James Molinaro James Molinaro

Joseph Eicher - Los Altos History Museum

Via Google, Source: http://www.boyenga.com/eichlerrealestate

Via Google, Source: http://www.boyenga.com/eichlerrealestate

 

From the 50's - early 70's Iconic Silicon Valley developer Joseph Eichler teamed up with renown architects to design over 10k affordable open concept homes in the Bay Area that blurred the line between what was outside and indoor. Eichler's homes sold for about $40k in 1960s ($325k after inflation). Today, these homes sell for $1.7m and up. 

Check out the Joseph Eicher exhibit at The Los Altos History Museum from now until October 8 to explore this visionary builder and why his homes are in such high demand a half century later. 

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James Molinaro James Molinaro

The Weekend List March 2-5

MARCH 2, 2017


SUNSET CENTER
THE BEST OF THE SECOND CITY
SAN CARLOS ST AT NINTH AVE, CARMEL BY THE SEA, CA 93921

Details


MARCH 3, 2017


GOLDEN STATE THEATRE
BANFF MOUNTAIN FILM FESTIVAL WORLD TOUR - MONTEREY
417 ALVARADO ST, MONTEREY, CA 93940

Details

FOLKTALE WINERY
FOLK IN THE GALLERY FEATURING WHIM JINGJIT (THE VINTAGERS)
8940 CARMEL VALLEY RD, CARMEL, CA 93923

Details

PORTOLA HOTEL & SPA
JAZZ BASH BY THE BAY
2 PORTOLA PLAZA, MONTEREY, CA 93940

Details


MARCH 4, 2017


7TH ANNUAL CARMEL JEWISH FILM FESTIVAL
5716 CARMEL VALLEY RD, CARMEL, CA 93923

Details

THE PINK FLAMINGO THEATER
AN EVENING WITH TREVOR LUCIER AND KENNY CHUNG
2115 NORTH FREMONT AVE #C, MONTEREY, CA 93940

Details

FERNWOOD TAVERN
FUNKANAUTS AT FERNWOOD TAVERN
47200 HIGHWAY 1, BIG SUR, CA 93920
Time: 10pm

Details

PORTOLA HOTEL & SPA
JAZZ BASH BY THE BAY
2 PORTOLA PLAZA, MONTEREY, CA 93940

Details


FOLKTALE WINERY
YOGA IN THE VINES
8940 CARMEL VALLEY RD, CARMEL, CA 93923


Details

 

MARCH 5, 2017

 

7TH ANNUAL CARMEL JEWISH FILM FESTIVAL
5716 CARMEL VALLEY RD, CARMEL, CA 93923


Details

 

PORTOLA HOTEL & SPA
JAZZ BASH BY THE BAY
2 PORTOLA PLAZA, MONTEREY, CA 93940

Details

 

FOLKTALE WINERY
LIVE MUSIC FEAT JOHAN SOTELO
8940 CARMEL VALLEY RD, CARMEL, CA 93923

Details


MARINA FARMERS' MARKET
215 RESERVATION RD., MARINA, CA


BONUS:

MARCH 6, 2017


FOLKTALE WINERY
CHEF DUEL - ROUND 6
8940 CARMEL VALLEY RD, CARMEL, CA 93923

Details

SOVINO WINE BAR & MERCHANT
TRIVIA NIGHT!
241 ALVARADO ST, MONTEREY, CA 93940

Details

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James Molinaro James Molinaro

Happy New Year

To all our Woodbridge Family of clients, we would like to thank you for your continued support and business over the years, and to wish you a very Happy New Year. As we look back on 2016, we’re proud to have helped hundreds of satisfied clients get the financing they need.

We look forward to serving you in 2017, and for years to come.

LET’S GET SOCIALBecause we’re all spending more time online, to make life easy for you, Woodbridge Financial is now on social media, sharing financing-related news, information, and updates. Like us on Facebook, leave a review about us on Yelp!, and…

LET’S GET SOCIAL

Because we’re all spending more time online, to make life easy for you, Woodbridge Financial is now on social media, sharing financing-related news, information, and updates. Like us on Facebook, leave a review about us on Yelp!, and follow us on Instagram.

REFERRALS WELCOMEIf you’re a happy client, we’d greatly appreciate you referring us to your friends and family. Whether they’re on the hunt for their first home, are looking to purchase a second house, in need of refinancing, or are interested in le…

REFERRALS WELCOME

If you’re a happy client, we’d greatly appreciate you referring us to your friends and family. Whether they’re on the hunt for their first home, are looking to purchase a second house, in need of refinancing, or are interested in learning more about reverse mortgages, we’re here to help.

Once again, we wish you and your family a very Happy New Year and a prosperous 2017!

Yours truly,


Woodbridge Financial

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James Molinaro James Molinaro

Home Tour: Carmel by-the-sea

Catherine Caul of Keller Williams Coastal Realty invited us into her newest listing in downtown Carmel. This storybook home has an enchanting whimsical feeling, perfectly capturing the essence of this seaside retreat.

 

Check out our tour:

 

 

 

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James Molinaro James Molinaro

HUD vs San Francisco

HUD and San Francisco battle over affordable housing.

First some positive news.

The average foreclosure rate in the United States is officially at pre-housing bubble levels while medium home prices are now above the height of the bubble. That means home values are the highest they have ever been and foreclosures are back to industry normals. -Yippie! 

With that being said, San Jose has officially become the first city of its size to now have medium home prices exceed $1 million. That means even for a programmer at Google with a base salary of $128k, affordable housing is vastly outpacing supply. 

Compounding this problem, 87% of current renters who want to purchase cannot due to being out priced out of markets available homes.

In a stroke of genius, San Francisco, fast becoming one (if not the) most expensive cities in the US to live in, came up with a plan. From here on out, new housing products must include 40% of the new units to be deemed affordable for the residents who already live in those neighborhoods. Unfortunately this is where the HUD stepped in. 

According to HUD - This could violate Federal Urban Development law and perpetuate racial segregation and disproportionately affect low-income people because you would be living around people like you. While the plan is not perfect, anything that pushes affordable housing allowing more Americans access to build what historically has been the largest single source of wealth building, is positive for us. 

 

 

 

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James Molinaro James Molinaro

Tax Deductions

Interesting read on Market Watch about the mortgage interest tax deduction and the inequality it may fuel. With so many government loan programs including the FHA and VA guarantee benefit, I feel this article misses the mark on what equality is. Equality is about providing equal access for all. Which, when you look at the full scope of the real estate industry, also includes HomePath by Fannie Mae. Combine this with HUD's Community Planning Development, Calhfa, and private not for profit programs (like OperationHOPE) for downpayment assistance and homeownership doesn't seem so out of reach anymore.

Of course, when you look at 1 program it might seem slanted, but as a whole, I believe we have an education not an inequality issue. Homeownership plays a major roll in building stronger communities and the tax dollars that help fund our children's futures through property taxes. As rents rise and mortgages stay the same, this allows for an opportunity to see serious wealth building that was not there before.

Ps. Market Watch, "Trulia’s analysis strips out age and household income to compare different groups of taxpayers. Nonwhite Americans are between 38% and 58% less likely to be able to take advantage of the deduction than a white head of household of the same age and income, it found." -So was income taken into account or was it not?  

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James Molinaro James Molinaro

Sky High Real Estate

-James Molinaro is an experienced drone enthusiast, offering free aerial photography and marketing videos to all local agents. 

Drones. -The buzz word of our decade. First they made news for the way they changed foreign policy, and now miniaturized versions otherwise known as Quadcopter's by companies like DJI and 3DR, are changing the marketing game in real estate. In an area known for our world class hotels, food, golf, and especially high-end luxury real estate, the pressure to stand out has become fierce. The San Jose Mercury news recently even published how transformative this tool is for Modern real estate firms to maintain their edge. 

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James Molinaro James Molinaro

First time homebuyer ? -No need to "fight"

Going viral on Bloomberg this week, Ms. Rivera's experiences first hand what happens when traditional banks, beholden to rigid policy guidelines, create barriers for first time homeowners. Woodbridge Financial on the other hand, is able to place Ms. Rivera's with a mortgage, custom tailored to meet her financial needs. -No fighting, needed!

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