San Diego – Urban Farming Gains Council Backing

The San Diego City Council voted this week on myriad changes that allow residents to raise goats and chickens on their property, while enabling groups to grow crops on vacant lots in commercial zones without having to cut through a thicket of red tape.

The changes came on a unanimous vote that Councilwoman Lorie Zapf called regulatory relief and Councilman Todd Gloria called common sense.

“It’s going to add to the quality of life in our city,” Gloria said.

“As we become denser and more vertical in our communities, were going to need more opportunities to expand urban agriculture and grow our own food where we can.”

Under the new rules, residents in most houses can keep up to five chickens. If a coop is kept at least 15 feet from property lines, a resident can keep up to 15 chickens. If the coop is at least 50 feet from any residential structure, a resident can keep up to 50 chickens. Coops have to be predator proof, ventilated and clean, while providing at least 6 square feet per bird.

Roosters are still off limits.

Under the old rules, residents could keep up to 25 chickens, but they had to be kept at least 50 feet from residential structures. That effectively banned them.

Goats are now allowed at single family homes, though males must be neutered and the animals must be of the miniature variety. Goat products, such as milk and cheese, must be for personal consumption only.

Finally, beekeeping will now be allowed in single-family areas, though no more than two hives are allowed and they must be at least 15 feet from a neighbor’s home and 20 feet from a street, alley or sidewalk. Hives must be in a protected area and screens are required in most circumstances

Read more at: http://www.utsandiego.com/news/2012/feb/01/urban-farming-gets-a-boost/

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Even Without Congress, Some Refi Help May Be Coming

Though it was pronounced dead before arrival by opponents on Capitol Hill, President Barack Obama’s new mortgage refinancing package contained far more than legislative proposals.

In fact, significant portions of it that have received little media coverage require no prior approval from a hyperpartisan Congress and could begin affecting consumers within weeks. Here’s a quick rundown on key segments of the housing proposals with a handicapping of their likely impact this year:

Going nowhere: If you’ve got an underwater mortgage that isn’t owned or guaranteed by Fannie Mae or Freddie Mac, the president’s marquee proposal to help you refinance into a 4 percent mortgage is not likely to be of assistance. The plan’s core concept of funding your rate cut by levying a fee on the largest banks — “based on their size and the riskiness of their activities” — would be a nonstarter politically even if this weren’t an election year. R.I.P.

Moving fast: Refinancings can be speeded up administratively by key executive branch agencies, and the new program directs them to do so within the next few weeks wherever possible. For example, the Federal Housing Administration will be removing a major barrier for lenders to “streamline” refinancings for current, non-delinquent borrowers who want to take advantage of today’s low rates. The FHA no longer will count streamlined refis — where some standard underwriting requirements are waived — against lenders’ performance ratings on delinquencies. The fear of getting a poor rating is a powerful deterrent for many lenders against doing streamlined refis, because they can lose their eligibility to do loans for the FHA altogether. Removing ratings as a barrier should help significant numbers of FHA borrowers get into a better deal.

At the same time, the White House has ordered all the other federal agencies with homebuyer programs to clear the decks for streamlined refis of their existing customers. For example, the Agriculture Department, which runs the third-largest and fastest-growing program — last fiscal year, its loan guarantees funded more than 130,000 home purchases in communities on the fringes of major metropolitan areas — is expected to waive requirements for new credit reports, appraisals and other documentation for streamlined refinancings. The main requirement for hundreds of thousands of existing USDA borrowers who want to switch to a lower loan rate: Just be on time with your current payments.

Read more: http://www.utsandiego.com/news/2012/feb/12/tp-even-without-congress-some-refi-help-may-be/

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When Prefab Becomes Fabulous: The Perks of a Well-made Kit Home

*Note this is an article from Australia so all dollar amounts are in Aussie dollars; check exchange rate.

It is architect-designed, environmentally friendly and cheap.

It may sound like an oxymoron, but a new range of well-designed, sustainable homes can be installed on site for as little as $65,000 for a one-bedroom house.

But there’s a catch: they are prefabricated.

Contact the appraisers at www.socalappraisalserv.com for your questions on value for a prefab/modular home.

For architect Bill McCorkell and builder David Martin who late last year launched Archiblox, that’s not a problem.

The stigma once associated with ”prefab” homes has largely disappeared as cost pressures, good design and sophisticated construction make building off-site more attractive.

Modular houses connect together like toy blocks. Each component is prefabricated, driven to the building site, lifted off the truck, placed on screw piles and joined together.

The process is relatively simple, efficient, stress-free and, compared with conventional building techniques, fast. A home can be on site in as little as 12 weeks.

Read more: http://smh.domain.com.au/real-estate-news/when-prefab-becomes-fabulous-the-perks-of-a-wellmade-kit-home-20120213-1t0em.html

Disclaimer: for information and entertainment purposes only