Tuesdays-Thursdays, 1:30-6:30pm, Village Community Resource Center, 633 Village Drive, Brentwood or Byron Community Library Club, 3926 Main St., Byron. Literacy and homework support for K-5th Grade. Info 925-626-7892 or jose@vcrcbrentwoodca.org.
AL-ANON MEETING
Friday, 8pm, Brentwood United Methodist Church, 809 2nd Street, Brentwood. Support Group for families and friends of Alcoholics. No need to register, info call Trisha 510 910-1389
AL-ANON MEETING
Monday, 12:15pm, Delta Community Presbyterian Church, 1900 Willow Lake Rd., Discovery Bay. Support Group for families and friends of Alcoholics. No need to register, info call Charlie (925) 858-5382.
AL-ANON MEETING
Wednesday, 12:00pm, Contra Costa Fellowship Hall, 8385 Brentwood Blvd. ST B., Brentwood. Support Group for families and friends of Alcoholics. No need to register, info call Trudy (626) 576-8146.
AMERICAN LEGION AUXILIARY
1st Tuesday, 5pm, Legion Hall, Basement, 757 First St., Brentwood. Info Dolly 925-890-7357.
AMERICAN LEGION POST 202 MEETING
2nd Wednesday, 6:30pm, Veterans Hall, 757 First St., Brentwood. Info AML202.org or 925-516-2141.
ANCIENT SCRIPTURES AND LANGUAGES OF THE BIBLE Wednesdays, 7-9pm, Brentwood. Info 209-642-0278.
ANIMAL RESCUE RECON DOG ADOPTIONS
Saturdays, 10am-1pm, Pet Food Express, 5829 Lone Tree Way, Antioch. Info 925-392-7654 or animalrescuerecon.com.
BRENTWOOD ALZHEIMER’S CAREGIVER SUPPORT GROUP
2nd Thursday, 7-8:30pm, Brentwood. Please call 800.272.3900 to register for the meeting.
BRENTWOOD LIONS CLUB
1st Wednesday, 6:30pm, LOCATION VARIES., Brentwood. Cal for more info 925-587-3783.
MULTIPLE SCLEROSIS SELF HELP GROUP
2nd Wednesday, 1pm. Sponsored by the National Multiple Sclerosis Society. Info Julie 925-437-5681.
BYRON DELTA LIONS CLUB
1st Friday, 10am, St. Anne’s Catholic Church, 2800 Camino Diablo Rd., Byron. Info Kathy 925-980-6696.
CANCER SUPPORT COMMUNITY
Tuesdays, 1-3pm, 3505 Lone Tree Way., Suite 3, Antioch.
DASH ADOPTIONS
Fridays, 5-8pm at Petsmart, 5879 Lone Tree Way, Antioch. 1st & 3rd Sunday, 12-3pm, Petco, 5481 Lone Tree Way, Brentwood. Info 925-219-0151 or deltaanimalssafehaven.org.
DELTA SHADOW BOXERS PARKINSON’S SUPPORT GROUP
1st Wednesday, 2-5pm. Merrill Gardens., 2600 Balfour Rd., Brentwood. Info Sue 925-550-2756
DISCOVERY BAY CORVETTE CLUB
1st Thursday, 7:30pm. Discovery Bay Yacht Club, Bilge Room Info Tim Denham 408-210-3814.
DISCOVERY BAY LIONS CLUB
1st Tuesday, 6:30pm, Discovery Bay Yacht Club. Info Rita Caruso 925-640-5746, www.discoverybaylions.com.
DISCOVERY BAY PICKLEBALL CLUB FREE TRAINING
First Saturday of the month, 10am, Discovery Bay Community Center 1601 Discovery Bay Blvd, Discovery Bay.. Info 925-628-7906.
DELTA GROUP SIERRA CLUB
2nd Friday, 5pm, Oakley Tavern, 3685 Main St., Oakley. Covers Antioch, Pittsburgh, Bay Point, Oakley, Brentwood, Bethel Island, Discovery Bay, and unincorporated areas of ECCC. Info Joeandlu@comcast.net.
DELTA QUILTERS GUILD
For information about meetings/events, go to deltaquilters.org.
DELTA WOMEN’S SOCIAL CLUB
2nd Thursday, 11:30am. Info Gloria 925-513-8731.
DIG - DELTA INFORMAL GARDNERS
4th Monday, 7:30pm, Brentwood Methodist Church, 809 Second St., Brentwood. Info Bob 925-642-0080 or deltainformalgardners.org.
DOFBWOW (Daughter’s of Faith Becoming Women of Wisdom) 2nd & 4th Thursday, 6:45pm, via Zoom. Contact True Free Love Ministry via email truefreeloveministries@gmail.com.
GRIEF SUPPORT GROUP
Thursday, 10:30am, Immaculate Heart of Mary Library, 500 Fairview Avenue, Brentwood. Info Mary Ann Smith 925-240-1706 or Linda Quilici 925-308-7799.
HELPING ONE WOMAN
3rd Tuesday’s, 6-8pm, Brentwood Community Center 35 Oak St., Brentwood. Email: howdiscoverybay@gmail.com
HALO ADOPTIONS
Saturdays & Sundays, 12-3pm (cats), Petsmart , 5879 Lone Tree Way, Antioch. Saturdays and 4th Sunday (dogs), 12-3pm, Petco, 5481 Lone Tree Way, Brentwood. Saturdays and Sundays (cats), 2nd Sunday (dogs) 12-3pm, Pet Food Express, 5829 Lone Tree Way, Antioch.
HOSPICE OF THE EAST BAY
Informational Session and Training. Info 925-887-5678 or volunteers@hospiceeastbay.org.
HOW OVER-EATERS ANONYMOUS MEETING
Thursdays, 10-11am, Brentwood Professional Plaza, Fellowship Hall, 8385 Brentwood Blvd., Suite B, Brentwood. AA Big Book Discussion. Info Peggy 925-200-2281
MINISTRY OF CARING
Thursdays, 5-6:15pm, IHM Church Library, 500 Fairview Ave., Brentwood. Monthly potluck and happy hour (emphasis on fellowship). Info Mary Ann Smith 925-240-1706 or Linda Quilici 925-428-2364 or Connie Conover 925-392-8037
Ongoing Events - Cont’
MOMS IN PRAYER
Moms in Prayer is an international organization that equips women to pray for kids and schools at weekly prayer meetings. Find a local group: Crystal - momsinprayer58@gmail.com or momsinprayer.org.
MOBILE HOME OWNERS ADVOCACY GROUP
1st Saturday, 1-2:30pm, Oakley. Teach mobile home owners their legal rights and how to defend themselves. Mobile home owners in Oakley, Bethel Island, Knightsen, Byron, Brentwood, Antioch and Pittsburg welcome. Info/register 925-625-6251.
OAKLEY SENIORS INDOOR FAIR & FLEA MARKET
1st Saturday, 9-3pm, Oakley Senior Center, 215 2nd Street, Oakley. Arts & Crafts, New & used items, collectibles and antiques. Vendors Contact OSC President Allan Perry 925-626-7223.
PET LOSS SUPPORT GROUP
2nd Tuesday, 5:30-7pm, Tony LaRussa’s Pet Foundation, 2890 Mitchell Drive, Walnut Creek. Info 925-887-5678 or hospiceeastbay.org.
P.E.O. CHAPTER XQ OF BRENTWOOD
3rd Thursday, 6:45pm, Women’s philanthropy group supporting women’s education. More info contact President Cassidy Nelson at cassidynelson713@gmail.com.
POLKA DOT POWERHOUSE
2nd Tuesday, 6:45pm, Changing The World By Connecting The Dots. More info contact Gloria Guzman 415-760-8202.
SEAMS TO HELP
1st Sat & Tues, Volunteers use sewing and other skills to create needed items for our community and beyond. Volunteering information www.seamstohelp.org.
SUTTER DELTA FREE DIABETES CLASS Wednesdays, 2-4pm & 4-6pm. Info 925-779-3605.
TYPE 1 DIABETIC PUMP GROUP
2nd Thursday, 4-5:30pm, Kaiser Sand Creek Hospital, Rooms 1A & 1B, Antioch. Info Cheryl 925-516-7725.
VOLUNTEER OPPORTUNITIES
After School Academy to work with students on their reading/ literacy and homework. Our students are K-5th grade. Two locations in Brentwood and in Byron. Info Village Community Resource Center 925-626-7892 or vcrcbrentwoodca.org.
VFW AUXILLARY POST 10789
2nd Tuesday, 8:00pm. 757 1st Street, Brentwood. For more info contact Bill Weber Commander 925 584-1452.
WI CHA KA COUNCIL
1st and 3rd Thursday, 7:30pm, Red Men Pocahontas Hall, 1403 Main St., Oakley. Info 925-759-2998.
Business Meetings
AKTION CLUB OF EAST CONTRA COSTA
2nd Tuesday, 5:30-7pm, Mountain Mike’s Pizza, 1185 2nd Street, Station M, Brentwood. Adults with Special Needs sponsored by Kiwanis Int’l. Info 925-890-2563.
BETHEL ISLAND LIONS CLUB
1st and 3rd Wednesday, 7pm, Scout Hall, 3090 Ranch Ln., Bethel Island. Info Dave 925-595-1451.
BRENTWOOD CHAMBER MIXER
3rd Thursday, 5:30-7:30pm. Info 925-634-3344.
BRENTWOOD ROTARY CLUB
Mondays, 12-1:30pm, Wedgewood Banquet Center, 100 Summerset Dr., Brentwood. Info 888-556-0083.
BNI REFERRAL FACTORY
Thursdays, 11:30am-1pm, Brentwood Community Center, 35 Oak St., Brentwood. Info Liz 925-206-9314 or liz.litaea@lhfs.com.
BNI - GIVING TO GAIN Tuesdays, 7am, Via Zoom. Info Maria 925-323-6313.
Tuesdays, 7:10-8:15pm, Kaiser Hospital, 4501 Sand Creek Rd., Conference Room IC, Antioch. Info Joe Amaro 510 812-2282 or ccclub.toastmastersclub.org.
DELTA NETWORKING PARTNERS
Tuesdays, 8:30-9:45am, Brentwood Craft Beer and Cider, 234 Oak Street, Brentwood, Gabriela Manciulea, 408 750 7436 or email dnp.brentwood@gmail.com.
DELTA TOASTMASTERS MEETING
Tuesdays, 7:10-8:10am, MiMi’s Café, 5705 Lone Tree Way, Antioch. Info Greg Hullen, President 707-373-6890.
DISCOVERY BAY CHAMBER MIXER
4th Tuesday, 5:30pm. Info 925-235-0987.
DISCOVERY BAY LIONS CLUB
1st Tuesday, 6:30pm. Discovery Bay Yacht Club, 5781 Marina Blvd., Discovery Bay. Info 925-240-3486.
KIWANIS CLUB OF BRENTWOOD
Thursdays, 12:30pm, Jalisco’s, 8335 Brentwood Blvd. #B, Brentwood. Info brentwoodkiwanis.portalbuzz.com.
POLKA DOT POWERHOUSE
2nd Tuesday, 11:30am, Zephyr Bar & Grill, 613 1st St., Brentwood. Info Gloria Guzman guzmang2020@gmail.com.
SONS IN RETIREMENT-DISCOVERY BAY BRANCH 2nd Tuesday, 11:30am, Discovery Bay Country Club, Discovery Bay. Info Luis Figueroa 949-400-4715.
SOROPTIMIST INTERNATIONAL OF THE DELTA 1st Tuesday, 6pm, Brentwood Community Center, 35 Oak Street, Conf Room B Brentwood. Info Sue Pretzer 760-583-3058.
SOROPTIMIST INTERNATIONAL OF ANTIOCH
1st & 3rd Wednesday, 6pm, Lone Tree Golf & Event Center,, 4800 Golf Course Rd. Antioch. Info Mary Ann Redden 925-586-3161
Common Myths About Reverse Mortgages
A reverse mortgage can be a helpful tool for your retirement plan. There are generally two options. Options one is to refinance your existing home and receive a monthly payment to supplement your income. Option two is less well known and is to purchase another home with a reverse mortgage loan. In this scenario you either use equity from the sale of your home such as in a downsizing option or moving to a more affordable area. If you have the funds you can also use those as a down payment, usually half the value.
You may not have planned on having a loan on your home in your senior years but it may be a good option for you if you can get pass the misinformation. There is a great deal of misleading “facts” about reverse mortgages and a large population
that believe what they hear. I will address some of the misinformation.
The Government will NOT Own your property. The Government involvement is limited to insuring your loan with the actual lender much the same a traditional purchase loan.
You can absolutely sell your property if your situation changes. Just like any other loan you can sell the property pay off the loan, take your equity, and move on.
Nobody will take your property form your or your heirs. If there is equity in the property then your heirs can sell and take the equity or refinance the home to pay off the balance and keep the home. There are some timelines associated with the process but in my experience HUD is reasonable.
If the value drops they cannot come after you for the difference. A reverse mortgage is a non-recourse loan. This means that house is the only collateral and the lender or HUD cannot come after you or your heirs.
Your spouse will not have to move even if they are younger. A law was passed in 2014 that protects a non-borrowing spouse so they can stay in the home until they choose to move.
There are ways however instances in which you could be forced to sell. These include, if you do not occupy the property as your primary residence for 12 months, if you fail to maintain the property, if you do not pay necessary expenses such as property taxes, insurance, HOA fees, etc.
It can be confusing, but part of the application process is a mandatory counseling session with an approved non-partisan counselor. Their job is to answer any questions and get you more information. The fees can be higher than traditional mortgages and HELOCs. But often the benefits outweigh the costs. There are no loan payments, no stringent qualifications, and no required income level to qualify.
It is a fact that you are using your equity and therefore less money will be left to your heirs but that’s your choice to make and it may improve the quality of your golden years.
Be informed and know your options.
Patrick McCarran is a local Realtor and Broker. Call/text 925-899-5536 • pmccarran@yahoo.com • CallPatrick.com Independently owned and operated. Equal Housing Opportunity. In association with Realty One Group Elite DRE#0193160.
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