Last time I received one of these real estate notices in the mail, a group of others did, too. This was when there was a scam going on for a service to "negotiate" your property taxes down to current values for a small fee. This company ended up with a lawsuit filed.

Today I got a "Form 77748-I" Predatory Lending Notice with an 800# to call because they "have determined that your loan may have violations of Truth In Lending Act (TILA) and or the Real Estate Settlement Procedures Act (RESPA)."

Now I haven't called, and don't plan to, but I am pretty sure this is more of the same.

Well-maintained Rancho Rinconada home with remodeled kitchen, open living room/dining room floorplan, fireplace, game room or bonus room addition, dual-pane windows & inside utility area. Great investment in award-winning Cupertino School District!

Weather permitting, we'll be holding an open house Saturday & Sunday (2/20 - 2/21) from 1:30 to 4:30 pm.

Click here to view the virtual tour.

Click here for more details on the property.

Per a news bulletin, it appears Congress passed the first-time home buyer's credit extension and it's going to the President for signature.

The changes include:

- $8000 credit extended through April 30
- COE of applicable home extended through end of June
- Income limit increased to $225,000
- New clause offering $6500 credit to FTB who lived in their home (worth $800K or less) for five out of prior eight years

This is a 4/2 with hardwood floors throughout plus a large bonus room not included in square footage. The owner had remodeled the home for use as a residential care home, so the front and rear entry have wheelchair ramps. Also, bedroom closets have all been removed. Well priced for a good neighborhood; perfect for a buyer who is handy and interested in doing some minor remodeling.

For more info, click here to go to our RE site to view the listing.

Coming into effect on January 1, 2010, the homestead exemption protecting a homeowner's equity from judgment creditors has been increased by $25,000 across the board to $75,000 for individuals, $100,000 for married couples or family units as specified, and $175,000 for persons over 65 years, disabled, or over 55 years with limited income as specified. Assembly Bill 1046.

If you have not filed a homestead exemption, check with your county assessor's or recorder's office to get more information. It applies to a owner-occupied, primary residence.

For more info from the source, click here.