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With the closing of many lending institutions and values of homes declining, most borrowers are feeling the squeeze. Many have been qualified when guidelines were looser into short term adjustable loans. Compounding the problem is the fact that a large portion of these loans were at a high loan to value, often one hundred percent. With home values dropping borrowers who were only qualified on the fixed portion of their loan have found that on top of not being able to afford the payment after adjustment that they owe more then their property is worth. This has also been compounded by the fact that the sub prime programs that they were initially qualified on have ceased to exist. Lenders finding that they could no longer sell these products on the secondary market have all but discontinued sub prime as we used to know it.
 
Peet's Coffee Downtown Santa Rosa
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 Peet's Coffee located Downtown Santa Rosa, CA. has great coffee and an inviting atmosphere. Beign that it is central it creates the time and place to run into old friends. With a view of shoppers and Santa Rosa's first diagnal crosswalk with 'man in the tower' saying "do not cross" it is a good place to sit down and read the newspaper.  Their coffee has a full flavor that is not overpowered by sugary drinks.  The price for their coffee is not as expensive as Starbucks.
 
Lake Sonoma

 

Located in the beautiful coastal foothills of Northern California is Lake Sonoma. Lake Sonoma is surrounded by Sonoma County vineyards and land rich in history. This provides the perfect setting for a wealth of recreation activities. Warm Springs Dam, which forms Lake Sonoma, was built by the U.S. Army Corps of Engineers. Completed in 1983, the compacted, earth fill dam serves as a deterrent to disastrous floods, stores water for irrigation and municipalities, and creates a lake for recreation. Lake Sonoma extends 9 miles on Dry Creek and 4 miles on Warm Springs Creek.

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