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, BW Community Center., 35 Oak St., Brentwood. Call for more info 925-587-3783. www.lcobw.com
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, 11am, (weather permitting) Discovery Bay Community Center 1601 Discovery Bay Blvd, Discovery Bay.
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, 5pm, 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.
BUSINESS ON THE BAY
2nd Thursday, 3:00pm. Discovery Bay. Info Elizabeth 925-351-4444.
CREATIVE COMMUNICATORS TOASTMASTERS MEETING 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 Cindy 925-513-4175.
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
Gamin’ Gals Meets 4th Friday of the month. Contact Becky at 925-628-7923.
at 925-642-7067 or Kellie at kkcandraw@yahoo.com.
Lit- n- Latte
Meets 1st Thursday of the month at 50 Birch St at 6:30pm. Contact Lydia at 925-548-5982 or Gina at 650-703-2935.
Movie Club Meets 3rd Thursday of the month. Contact Lori at 925-628-7831 or Theresa at 925-642-7067.
Krafty Krafters
Krafty Krafter#1 FaceBook Group Meets 2nd Saturday of the month. For more info Contact Lori at 925-628-7831.
Lunch Ladies Meets 1st Friday of the month. Contact Donna at 925-813-1885 or Kathy at 925-759-1845.
This and That
Like to shop, eat out, cook a little, go to garage sales or gardening? Contact Chris at 925-628-3977 or Kathy at 925-759-1845.
Mom Tribe
Motherhood truly does take a village, come encourage and support each other. Contact Beckie at Beckiebarkley@gmail.com or Karley at Karley.hall@gmail.com.
Walgreens with Clipper in the Tri Delta Transit service area: At Walgreens purchase Adult Clipper cards, load cash value and passes on adult cards, senior cards, RTCD cards.
LOCATIONS Ticket Connection locations sell: General Public Day Passes, 20 Ride Passes and 31 Day Passes
PATRICK MCCARRAN
Home Under Water? You have Options!
If you are struggling to pay your mortgage and think a move may be in your best interest, you have options. If you have equity then it is a little easier, you can sell and take the equity and move. The challenges arise when you do not have equity. However, there are solutions and help available.
A Short sale is when the borrower/owner sells a property to a third party during a pre-foreclosure process. It is called a short sale because the owner will sell the property “short” of the balance owed on the note. Since the end of the recession and financial crisis the various banks and lending institutions have become much more workable in approving short sales. If you are considering a strategic default, I suggest you look into a short sale an option.
While there are initially some significantly negative consequences to your credit history, once the short sale is complete it will show on your credit report as “paid as agreed” “paid as negotiated” or “settled for less than the full amount due”. Depending on how the creditor chooses to report to the credit compiling agencies will determine the impact on your score. If you chose to walk away from the property and your property is foreclosed upon the foreclosure will remain as a public record permanently and can remain on your credit report for up to ten years.
A Foreclosure may lower your credit score anywhere from 250 to more than 300 points, and typically your credit score will be affected for over three years. In the case of a short sale, it may lower your credit score as little as 50 points if all other payments are being made. A short sale’s effect can be as brief as 6 to12 months on your credit history or FICO score.
Once you regroup and are ready for homeownership again how long must you wait to buy another home? Again, the short sale may be traditionally the better choice, the current home loan guidelines call for a minimum 24 month period following the short sale before you will be considered for a new home loan. However, with a foreclosure the consideration time
ranges form 3 years to 7 years. Please not that these guidelines depend on a variety of criteria including your individual circumstances and overall credit worthiness.
One of the most compelling reasons for a short sale above a foreclosure is the simple fact that it puts you back in charge of your immediate future. A foreclosure can occur in as little as 3 months or as longs as years, yes over 12 months. The problem is YOU do not know how long the foreclosure process is going to take, so all you can do is just wait for the foreclosure notice and the knock on the door telling you need to vacate the property.
With a short sale you and your realtor will have a plan of action. A short sale is not always right for everyone. And remember to always seek legal and tax advice before making the decision of a short sale verses foreclosure.
If you have any questions or need more information, please call and let me help you make the best real estate decisions.
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.
