Tag Archives: Owners

Springboard Options to Offer Foreclosure Prevention Solutions to New Mexico Home owners

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Riverside, Calif. (PRWEB) October 12, 2012

Springboard Solutions, LLC, a subsidiary of Springboard Nonprofit Customer Credit, Management, Inc., has been chosen by the New Mexico Attorney Generals office to offer foreclosure prevention services to distressed homeowners. Subject to profitable contract negotiation, Springboard will employ its confirmed platform of plan administration to handle the New Mexico toll-free of charge homeowner hotline. The hotline will serve as a single point of entry for housing counseling intake by triaging calls and directing troubled homeowners to the proper statewide nonprofit housing counseling agency for loan modification and loss mitigation services, which includes refinance possibilities, brief sale transactions or a deed in lieu of foreclosure.

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We appear forward to assisting New Mexico home owners find a workable remedy to their housing circumstance, said Aaron Horvath, president of Springboard Options. The hotline will educate, shield and help struggling borrowers, said Horvath.

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As portion of the historic settlement with the nations five largest banks, the New Mexico Attorney Generals office has devoted much more than $ 11 million more than the subsequent 3 years to operate with established organizations to help New Mexico households in want.

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Springboard Solutions continues to leverage its system administration encounter to support AG offices and their selected administrators with the oversight of essential statewide customer programs.

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About Springboard Solutions, LLC&#13

Springboard Options, LLC supplies system administration solutions (Folks, Process, Systems) to government agencies and nonprofit organizations assisting customers in want of financial assist and help. The company is a subsidiary of Springboard Nonprofit Customer Credit Management, Inc. , an IRS 501(c)(three) nonprofit personal economic education and counseling organization founded in 1974. For much more data on Springboard Options, go to their site at http://www.SpringboardSolutions.org.

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Related Loan Modification Services Press Releases

New Normal Brief Sale Suggestions for Fannie Mae and Freddie Mac Loans Beginning Nov. 1, 2012 Tends to make It Easy To Complete a Brief Sale. East Bay Property Owners to Benefit.

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Oakland, CA (PRWEB) October 12, 2012

How Short Sales Perform

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For East Bay Home Owners, going via with a quick sale typically causes a excellent deal of tension because it implies that a particular person can no longer afford a property in which they own. There are a couple of different approaches to get out of ones commitment to between the bank and the property, including bankruptcy or foreclosure, but several folks are now selecting quick sales because lenders have turn into far more open to them. A quick sale signifies selling a house for a reduce cost than owed on it and the lender agrees to waive this remaining quantity. If one particular is forced to unload ones house in a hurry, the ideal factor to do is find out as a lot as achievable about this process then get in touch with a nearby agent ahead of after the wise decision is created to.

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What it Means

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When a lender agrees to a short sale, it implies that it is accepting significantly less than what is due on the property. In some instances, it may well make far more sense to foreclose the house and try to resell it, whilst in other circumstances it makes far more sense to go by way of with a quick sale. The lender will agree to whichever methods gets it most of its funds back. In addition, one particular need to qualify for a brief sale just before the lender will even consider this proposition.

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The Method

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To start the brief sale approach simply get in touch with the lender/ servicer and speak with an individual who can make a decision on the matter. A letter of authorization will need to be submitted to the lender, so that the lender can look into ones private info to make certain that one particular is eligible for a quick sale. As with any form of asset and home management, the lender has to look at the borrowers monetary scenario ahead of coming to a conclusion. One should have a real estate agent supply a preliminary net sheet, which will give the lender an estimate of how significantly to expect to receive on the sale and, consequently, how short the amount received will finish up getting.

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Generating the Selection

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In the end, it is often a excellent concept to have the quick sale handled a l ocal actual estate agent nicely versed in short sales. Quick sales are only a excellent idea when this becomes definitely impossible due to significant earnings changes in ones life. These things do happen to individuals occasionally, so it is very good to know that an alternative is obtainable that can enable one particular to escape this burden under the correct circumstances.

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Beginning November 1st, 2012, these are the changes:

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Lenders will now streamlined quick sale strategy for borrowers most in need to have.

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Lenders will now have the energy to speedily and effortlessly qualify specific borrowers who are existing on their mortgages for brief sales:

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Lenders will waive the right to pursue deficiency judgments in exchange for a monetary contribution when a borrower has enough revenue or assets to make money contributions or sign promissory notes.

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Offer you special remedy for military personnel with Permanent Modify of&#13

Station (PCS) orders:

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Consolidate existing short sales programs into a single uniform system:&#13

Offer servicers and borrowers clarity on processing a quick sale when a&#13

Foreclosure sale is pending.&#13

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Fannie Mae and Freddie Mac will provide a maximum $ six,000 to second lien holders&#13
to expedite a short sale&#13

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“Shortsale”, “Quick Sale”, “Brief Sale Realtor”, “BofA Short Sale”, “Chase Short Sale”, “Wells Fargo”, “Brief Sale Realtor”, “Realtor”, “Oakland Brief Sale”, “Bay Region Brief Sale” &#13

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ACL Actual Estate and Property Management Announces a New Relocation System for Property Owners Who have been Denied a Loan Modification in the East Bay / Oakland CA Area

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Oakland, CA (PRWEB) October 17, 2012

This newly launched program was enacted for these who have denied a loan modification with the DOJ Settlement, principal reduction loan modification , Fannie Mae, Freddie Mac, Bank of America, Chase, Wells Fargo, Citi Bank, Countrywide, Washington Mutual, ASC, AND for those who have outstanding Notice of Defaults (NOD) or Notice of Trustees Sale (NTS) / Foreclosure Dates. Since these loan modification suggestions might be very rigid, residence owners may possibly only have a single selection left, besides foreclosure, which is a Short Sale.

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For clients who take advantage this system, they just can hire ( cost-free of charge ) ACL Genuine Estate to list their residence as a short sale. ACL Home Management will help the buyer in discovering a house to rent by:&#13

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Property owners Customer Center Warns All US Homeowners About A Large Situation Facing Them On January 1st 2013 -AKA- The Mortgage Debt Forgiveness Tax Provisions – Help Wanted

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(PRWEB) November 13, 2012

The Property owners Customer Center is a single of the premier advocates for US property owners, and the group is warning issues are about to get considerably far more complex for the US housing market place, and all US property owners if the US Congress, and President Obama fail to extend the Mortgage Forgiveness Tax Provisions. With out an extension, borrowers who get reductions in mortgage principal next year in the procedure of a brief sale, loan modification, foreclosure, or deed in lieu of foreclosure would be hit with federal earnings taxes at their standard marginal rates on the amounts forgiven. The Home owners Consumer Center says, “The US housing marketplace needs stability. We do not think most present underwater US property owners realize that without this tax provision extension they, or their neighbors are about to get hit with what could be a gigantic federal tax bill, ought to they do a quick sale, a loan modification, or a deed in lieu of foreclosure-that involves a mortgage principal reduction in what they owe their mortgage lender. Without an extension of this bill, anytime following December 31st 2012, if a homeowner receives any sort of principal reduction from their mortgage lender-they are going to be taxed by the IRS on what ever the principal reduction was-as if it was earnings. Without having an quick extension of this legislation we worry the US housing marketplace gets much, a lot worse-not greater. How is that Forward?” http://HomeownersConsumerCenter.Com

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On March 1st 2012, CNN Funds wrote, “The number of property owners who have fallen underwater on their mortgages-owing a lot more than their properties are worth — climbed to 11.1 million in the last three months of 2011, a three.7% enhance. These in this upside-down position, also called adverse equity, represent 22.eight% of property owners with mortgages. The count rose from 10.7 million borrowers (22.1%) only three months earlier, according to a report from CoreLogic.” The Property owners Customer Center says, “Given that the re-election of President Obama has any person else noticed the lay off notices becoming described in the organization sections of many US newspapers? We have, and lay off notices, are not a very good issue for consumer self-assurance. What happens to the 22.8% of all US property owners, who are upside down on their mortgage when they all of a sudden understand if they do not walk away from their homes now-they may get taxed on a principal reduction in the future? Given the Fiscal Cliff our nation faces on December 31st 2012, everyone should be worried about the US Senate majority’s push for higher taxes on the quote wealthy, what this will imply to the fragile US economy, tiny firms, and US employment. Nonetheless, at this moment we are saying if the US Congress, and the Obama Administration do not wake up, and extend the Mortgage Forgiveness Tax Provisions now-we are going to have a truly big mess on our hands, and its going to begin long prior to December 31st 2012.” http://HomeownersConsumerCenter.Com

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Note from the Home owners Customer Center, “We know there are many US homeowners out there who do not really feel like homeowners who are upside down on their mortgages ought to get any breaks at all-we get that portion. Even so, the reality is if we have a new tidal wave of immediate deed in lieu of foreclosures-exactly where the homeowner sends their keys back to the mortgage loan servicing organization, all US home owners get hammered with reduce home values. We do not feel anybody in their correct mind would want that.” http://HomeownersConsumerCenter.Com

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Senior Property owners Want Adequate Space And A Low Upkeep Home

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Minneapolis, Minnesota (PRWEB) February ten, 2013

The National Association of House Builders (NAHB) released a report on their most recent survey showing that property builder’s are confident that seniors are acquiring and retrofitting residences in 2103. The What House Purchasers Genuinely Want survey was a joint accomplishment by the NAHB Economics and Housing Policy Group in 2012.

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“Like most house buyers out looking to acquire a residence in today’s tight Minneapolis housing marketplace, the 55+ segment browsing for genuine estate listings face a low inventory of single-family members properties for seniors to select from. When starting their search, seniors that are already pre-certified and have a property loan in hand have a required advantage. Attempting to buy a home with no a single is genuinely daunting, especially when looking for a really particular residence,” says House Destination’s owner Jenna Thuening.

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According to NAHB’s findings, two prime preferences seniors expressed for what theyd want in a home obtain are:

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1) Adequate living space and number of rooms to meet requirements

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two) Ease of home maintenance

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Property builders self-assurance that seniors are acquiring and retrofitting residences enhanced the fourth quarter of 2012 compared to the identical period a year ago, according to the NAHB most recent 55+ Housing Market Indices (55+ HMIs).

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NAHB has separate 55+ HMIs for two segments of the 55+ housing market: single-household properties and multifamily condominiums. A sturdy trend is expanding amongst seniors to choose living with other household members and get pleasure from a high quality life made up of close family members bonds. Each senior HMI is based on a survey that asks if market situations are great, fair or poor. An index quantity below 50 indicates that more builders view conditions as poor than great

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Home Location finds the following highlights In NAHB’s 55+ HMI Report on senior housing trends:&#13

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Both 55+ HMIs stay under 50 but have gained substantially over reports from 1 year ago&#13

Seniors living in single-loved ones residential houses increased ten points to a level of 28&#13

Report findings show a fifth consecutive quarter of year over year housing gains&#13

Multifamily condos remain the weakest segment of the 55+ housing market and many favor remaining in their personal properties&#13

Nonetheless the gains for the 55+HMI for condos have been sturdy enough to record a substantial year-over-year boost of six points to 19.&#13

69% of this senior age demographic prefer a single-story residence, where as the percentage is 57% across all age groups.&#13

20% of folks age 65 and older have plans to buy a property in the subsequent one to three years. That includes the range of a single-family members detached residence, townhome attached, multi-family apartment, mobile property, or “other”.&#13

48% of senior respondents said theyd like a new residence to variety among 1,600 and 2,499 square feet.&#13

39% indicated that sufficient living space and quantity of rooms to meet demands is the number one particular characteristic that would most influence seniors to obtain a new residence.&#13

42% of the seniors surveyed stated ease of residence maintenance was a requirement when purchasing a residence.&#13

45% want a home with energy efficient functions.

Confirming U.S.senior housing demographics, Harvard University’s Joint Center report on Housing Americas Seniors says, “Even even though nine out of ten seniors 70 and more than live in standard housing, the regular stock is not developed to meet their altering demands, tastes, and preferences”. Seniors have the highest homeownership prices of any age group, producing up practically one particular-quarter of all residence owners, a segment the housing marketplace is adjusting to accommodate better.

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” Buying a ranch house and gaining living quarters all on one level is a 1st step for numerous. Nonetheless, a range of home renovations are nonetheless necessary, from installing handrails to structural modifications that would aid seniors function much more simply at residence,” says Thuening.

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Furthermore, the US Census Bureau reports show that Minnesota’s residential population is increasingly made up of a higher percentage of seniors. The bureau projects that, led by the child boomers, the population age 65 and more than will improve nationally by 15.five millionnearly 40 percentbetween 2010 and 2020. The close to-term older population development is already underpinning a powerful demand for retrofits to current houses, enabling senior households to age in location gracefully.

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Home Location, a Minneapolis residential Realtor with RE/MAX Results, helps households buying a residence make well informed choices and guides them thorough the process. Twin City senior homeowners desiring help to remain in their residences, sell or buy a home to meet their property ideals, can reach Home Location by calling 612-396-7832 and asking for Jenna Thuening.

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Tarzana, CA Los Angeles county Property owners Getting Crushed by the Anxiety of Foreclosure – Often Unaware of Possibilities

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Tarzana, CA (PRWEB) February 14, 2013

http://youtu.be/9BXJSVPYmxc&#13

Tarzana, CA Los Angeles County Property owners Becoming Crushed by the Pressure of Foreclosure&#13

Typically Unaware of Alternatives Video

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When property owners uncover themselves facing foreclosure, it can at times be difficult to get out from beneath the weight of the pressure and anxiety. Homeowners who find themselves in this circumstance are frequently blind to the choices that are offered to them.

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For a lot of homeowners who find themselves in danger of losing their property, specifically when their house is now worth significantly less than the amount they owe, there are options which could save their credit scores and let them to preserve their dignity, says Sylvia Corralejo CDPE, with House Choices 4U.

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With options like loan modifications and quick sales, stated Sylvia Corralejo home owners have a possibility to better face the present and nevertheless have great choices for the future.

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As a Certified Distressed House Professional (CDPE), Sylvia Corralejo has paid unique consideration to the possibilities available to property owners who uncover themselves in this circumstance. These opportunities are practically nothing new, Sylvia Corralejo mentioned, but as soon as a homeowner gets to foreclosure, they frequently think it is also late to take benefit of them. Practically nothing could be further from the truth.

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A Certified Distressed Property Expert (CDPE) is knowledgeable of the entire landscape of foreclosure avoidance choices and is distinctly certified to negotiate with banks and support struggling homeowners regain peace of mind and a sense of stability for the future.

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Sylvia Corralejo has developed a free of charge report entitled, Is the Strain of Foreclosure Crushing You?, which is accessible from the internet site, http://www.homeoptions4u.info

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The report supplies an overview of the several foreclosure alternatives that are obtainable and gives instruction about how to take benefit of them.

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About &#13

Sylvia Corralejo &amp Associates with House Options 4U assists residence owners with foreclosure alternative and residence purchasers discover the property of their dreams.&#13

Residence Choices 4U&#13

19501 Ventura Blvd., Suite 101&#13

Tarzana, CA 91356&#13

(866) 543-8020&#13

DRE # 01828597&#13

**Affiliated with Sellstate Horizons Realty

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Discover A lot more Loan Modification Press Releases

Advantage Legal Group Providing three Foreclosure Defense, Mortgage Mediation Seminars in January for Property owners in Washington State Facing Foreclosure

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Bellevue, WA. (PRWEB) December 19, 2012

Benefit Legal Group is Supplying three Foreclosure Defense Seminars in January 2013 to teach Washington State home owners facing foreclosure about the choices offered which includes mortgage mediation under the Washington State Foreclosure Fairness Act, mortgage modification, real estate brief sales and bankruptcy.

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The Washington Foreclosure Fairness Act (FFA) offers Washington State property owners facing foreclosure a little known proper to force their bank to the mediation table. Washington State was the third state to implement such a foreclosure mediation system right after Nevada and Maryland. Although the law has been in effect since July 22, 2012, it is estimated that much less that ten% of those eligible have availed themselves of the system to date. &#13

The so referred to as Foreclosure Fairness Act, offers distressed home owners operating with an lawyer or housing counselor, the right to an in-particular person mediation procedure to steer clear of foreclosure of their primary residence. Home owners can’t request mediation themselves and have to request it by way of an attorney or housing counselor. Numerous smaller sized banks and credit unions are exempt if they had much less than 250 foreclosures in the state in the previous year.

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Washington State attorney, Jonathan Smith, with the law firm of Advantage Legal Group says this can be extremely effective indicates for most homeowners facing foreclosure to mediate a modification of their loan and avoid foreclosure. For those eligible, the Foreclosure Fairness Act (FFA) provides framework via which mortgages can be re-negotiated.

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The method is overseen by the Washington State Department of Commerce. Once mediation is requested by an lawyer or housing counselor, the Department of Commerce assigns a mediator. The law then requires the parties to exchange monetary data and demands the banks to provide proof of ownership of the loan as effectively as an accounting of all charges and charges. If the homeowner was previously declined for a modification, they are necessary to state why and supply any appraisals or other details relied upon. The Act also requires the bank to appear at the face to face mediation with their attorneys and a individual from the bank present with the authority to sign off on a loan modification on the spot.

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Jonathan Smith, whose firm serves most of Western Washington, notes that a excellent quantity of his clientele are acquiring modified loans by way of this procedure and numerous have seen dramatic reductions in their month-to-month loan payments. Smith says Of course it dependent on the customers circumstance, but we are typically in a position to bring a clients loan, that is months or even years behind, existing and lengthen their loan period out to 40 years in a fully amortized loan. Mr. Smith routinely attains these outcomes for his clientele. It is not unusual for my customers loans to be recast at rates as low as 2% interest price says Jonathan Smith.

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Carmen Arruda, Regional Account Manager, with Fidelity National Title, says I am seeing excellent results from this program and hope that much more property owners will avail themselves of this mortgage mediation plan. It is heartbreaking to see so several individuals foreclosed upon every single month who do not even know about this fabulous program offered to Washington State property owners. I do not recognize why the state or the media dont market the Foreclosure Fairness Act or mortgage mediation far more.

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As a bankruptcy lawyer in Bellevue, Seattle and Western Washington, Jonathan Smiths law firm also utilizes federal bankruptcy law to eliminate unsecured debt, and if the value of the home is much less than what is owed on the very first mortgage, to strip off second or third mortgages and discharge them in bankruptcy. The mediation method can also be employed to negotiate brief sales as properly. Says attorney Jonathan Smith. Our firm has negotiated hundreds of quick sales, says Mr. Smith and we frequently combine these approaches, renegotiate the very first mortgage via mortgage mediation and strip off second mortgages all together via a chapter 13 reorganization bankruptcy to attain fantastic results for our consumers.

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Benefit Legal Group is a debt relief agency providing foreclosure defense services in Washington State which includes mortgage mediation, mortgage modification, brief sales and bankruptcy.

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Benefit Legal Group provides free of charge foreclosure defense seminars in Western Washington. The following is the schedule of upcoming foreclosure defense seminars for January 2013. &#13

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Property owners Consumer Center Fears Millions of Underwater US Property owners Could Owe New IRS Taxes If Obama and Congress Fail To Extend Mortgage Forgiveness Debt Relief Act

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(PRWEB) December 20, 2012

The Homeowners Consumer Center is urging President Obama, and the US Congress to immediately extend the Mortgage Forgiveness Debt Relief Act now, ahead of time to do so comes, and goes. Without having an extension of this law over ten million existing US homeowners, who owe far more on their house than it is worth could get hit with a enormous IRS tax bill, should they do any variety of loan modification, a deed in lieu of foreclosure, a short sale, or anything else that entails a mortgage principal reduction from their mortgage lender in 2013. The Home owners Consumer Center says, “We worry most US property owners are not conscious of the truth that without having an extension of the Mortgage Forgiveness Debt Relief Act by President Obama, and the US Congress, any sort of principal reduction by a bank involving a loan modification, a brief sale, a deed in lieu of foreclosure, or foreclosure will be treated as ordinary earnings by the US IRS. Just as an example if you live in Las Vegas, Los Angeles, Oakland, Miami, Chicago, Cincinnati, Phoenix, Saint Louis, Atlanta, Minneapolis, Memphis, Boston, or any other US city, and town, and your lender, or mortgage loan servicing firm agrees to a mortgage principal reduction as part of a loan modification, or a short sale-the mortgage principal reduction will be treated by the IRS as ordinary revenue by the US IRS. Is this actually what President Obama meant when he mentioned Forward for the duration of his 2012 presidential campaign?” http://HomeownersConsumerCenter.Com

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According to Bloomberg News on November 29th 2012, “The Mortgage Debt Relief Act of 2007 enables borrowers to avoid paying revenue taxes on the amount of principal thats forgiven as part of a loan modification or in the course of a brief sale in which they sell their houses for significantly less than they owe. If the measure expires, home owners would have to count such debt reduction as money they earned.” http://HomeownersConsumerCenter.Com

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The Property owners Consumer Center believes casualties from President Obama, and the US Congress failing to extend the Mortgage Forgiveness Debt Relief Act will incorporate:&#13

The Homeowners Consumer Center says, “What happens if President Obama’s Tax the Rich presidential campaign theme backfires, and the US economy tanks since of elevated taxes on little enterprise owners, or farmers? We think unemployment goes up. We also feel upside down homeowners will be forced to stroll away from their homes in droves. How does a newly unemployed person spend his, or her principal reduction IRS tax bill, if they no longer are employed?” &#13
More US property foreclosures, and far more instability in the US housing markets. &#13
Thousands of real estate agents that specialize in short sales could suddenly be unemployed. What homeowner is going to do a short sale on their below water house if they get taxed on the principal reduction-as ordinary earnings? &#13
Mortgage lenders, banks, mortgage brokers, and law firms that specialize in loan modifications will also be joining the unemployment lines-what homeowner-who owes more on their residence than it is worth would want to do a loan modification, if the principal reduction is taxed as ordinary revenue?

The Property owners Consumer Center says, “What happens to the 22.eight% of all US homeowners, who are upside down on their house mortgage when they all of a sudden understand-if they never stroll away from their houses now-they may well get taxed on any sort of principal reduction in 2013, if they do a loan modification, a brief sale, a deed in lieu, or something involving a principal reduction from their bank? At this moment we are saying if the US Congress, and the Obama Administration do not extend the Mortgage Forgiveness Debt Relief Act-now-its not just rich men and women who could be facing a enormous tax improve in 2013, it could also be almost 25% of our nations homeowners.” http://HomeownersConsumerCenter.Com

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Passage of Mortgage Debt Relief Act to Encourage Quick Sales vs. Foreclosures for Residence Owners in 2013 East Bay Property Owners Aim to Take Benefit Ahead of Law Expires

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Oakland, Hayward, Fremont. California (PRWEB) January 10, 2013

According to the Internal Revenue Service, the Mortgage Debt Relief Act, which originally passed in 2007, enables a borrower who either obtained a loan modification or opted for a brief sale (a sale of a property for significantly less than whats owed) to be exempt from realizing the forgiven amount as taxable income.

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The extension of this law genuinely was a needed part of the actual estate recovery we are now seeing all over the nation. Whether selling a residence or if a single is fortunate enough to receive an cost-effective loan modification, the law served as a counter weight to the foreclosure epidemic we have witnessed considering that 2007. Stated Charles Lassey Founder of ACL Actual Estate and Property Management, a Northern California Complete Service Brokerage Firm that specializes in Short Sales and Property Management.

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In that study, it was located that the new extension almost certainly would not contribute to a new onslaught of delinquent mortgages in the initial half of 2013.

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Numerous opponents who took concern to the law pointed out that it will reward folks who strategically stopped paying their mortgages in hope for help from their banks and or servicers. ACLRealEstate.com disagrees when it comes to loan modifications, since several of the applications that exist right now apply only to loans that had been originated from 2010 and prior, with the bulk of assistance going to borrowers whose loans originated from 2008 and prior.

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Encouraging home owners to complete a quick sale is exactly where the industry appear to be headed. For the next 24- 36 months, a short sale will be the conventional sales in several locations of the nation. This law tends to make offers homeowner one further incentive not to go through foreclosure.

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New Report Entitled How To Keep away from Foreclosure In The East Bay Released By ACL True Estate And House Management Aims To Inform House Owners Into Producing Greater Choices

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Fremont, CA (PRWEB) January 19, 2013

Insightful post provides property owners who were denied for a loan modification or other related circumstances, an insightful view on the present real estate marketplace and why a Short Sale positive aspects all vs. a foreclosure.

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Summary

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How To Steer clear of A Foreclosure In The East Bay

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Any homeowner that is facing a East Bay foreclosure should take note that there are options.

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Despite the fact that the process of finishing a foreclosure in California does take longer than completing 1 in other states it is crucial that the prolonged time period is used in a correct manner.

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There is a lot assistance that can be obtained on county, state and federal levels that can be utilized to support avert a East Bay foreclosure.

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ACL Genuine Estate and Property Management is a complete service Bay Area Brokerage that specializes in Selling and Managing Single Household, Multi Family units. The Service Areas Are Like but not limited to: East Bay Location, Alameda Counties, Contra Costa Counties, San Mateo Counties. Berkeley, Oakland, Hayward, San Leandro, Castro Valley, Fremont, Sunnyvale, San Mateo, and many a lot more.

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