The housing market has entered a downward spiral. The circumstances are under nation-wide scrutiny, but the consequences are affecting even those who do not own real estate. Fillmorians are no exception.

Trinka Reynolds, Karin Diaz, and Brian Sipes are real estate mortgage professionals who work here in Fillmore under Market Mortgage, a mortgage brokerage. They volunteered some information regarding the current crisis. Reynolds explained that mortgage brokerages have the ability to submit a standard loan application on behalf of their clients (home buyers) to various banks or lenders. The lenders then draw up the loan terms. This shopping process can result in better rates for home buyers. Karin Diaz mentioned that Market Mortgages prides itself on non-predatory tactics and finding appropriate loans for their clients, so that the loans are affordable long term.

According to Reynolds, bad decisions and introductory "teaser" rates were major contributing factors but not the only cause of the problem. In Fillmore, the situation was complicated by property taxes. Reynolds explained that the average property tax in Ventura County is 1.25%, but in two new developments—due to bonds for schools, levies and parks—the property tax is 1.95%. She demonstrated that on a $400,000 house, the typical property tax would be $5000 per year. Property taxes in Bridges and River Oaks would be $7800 per year. This difference of over $200 per month (and in some cases the difference is even greater) can stretch a family budget past the breaking point.

Reynolds explained that when a borrower fails to make a payment, the borrower’s credit is affected after 30 days, and continues to worsen with each passing month as more payments are missed,. Reynolds stated that after three missed payments, the bank can send a Notice of Default (NOD). This is the first step towards foreclosure. According to First American Title Company, 39 NODs were filed on housing units in Fillmore between December 1, 2007, and June 30, 2008. When asked if any first time homebuyer loans have gone into default of foreclosure, City Planning Assistant Manuel Minjares responded, “Not that I know of.” A report from the California Department of Finance indicates that as of January 1, 2008, Fillmore has approximately 4,400 housing units.

Reynolds, who has been in the real estate loan business since the mid-80s, believes that the current crisis differs significantly from the real estate crash of the late 80s early 90s. This time a majority of the foreclosures are on owner-occupied housing. She says that there is also a greater "saturation level" of foreclosures. These two factors have increased borrowers’ ability to arrange for modified notes. A foreclosed house is a non-performing asset. Lenders make money by being paid back. It is usually better for a bank to modify the note rather than foreclose. In Fillmore, Market Mortgage alone is averaging two inquiries per day from borrowers wanting to modify their notes. Reynolds explained that lenders can modify notes by lowering interest rates or allowing a temporary forbearance. A forbearance allows borrowers to skip some payments in case of a financial emergency, such as illness, but usually extends the loan so that the payments are caught up at the end of the loan. Reynolds believes that many people who had been living in the newer tracts and can no longer afford to keep their homes are moving into rentals. She says some are leaving Fillmore due to increased costs of living here.

Because banks are foreclosing on many properties, and sometimes losing money in the process, many banks are failing. Bank deposits are only insured by the FDIC for up to $100,000. If an account holder has more than $100,000 in any one bank, then any money beyond that amount may be forfeited if the bank goes under. To avoid losing money, account owners should either divide their money among multiple banks or set up multiple ownerships such as trusts so that no one owner is associated with more than $100,000 in deposits.

When asked whether vacancies due to foreclosures were increasing crime in Fillmore, Detective Macias of the Ventura County Sheriff’s Department replied that the department does not track that information. According to Macias, there has been only one recent incident involving a house in the process of foreclosure. The house was vandalized, but search warrants were issued and arrests were made. Macias mentioned that because the foreclosure had not been completed, the home owners in this case were responsible for repairing the damage and were as much victims as the community.

A Fillmore resident was killed Tuesday afternoon on Grimes Canyon Road, between Moorpark and Fillmore, near Egg City. Robert Retzinger, 47, died in a solo motorcycle accident while driving northbound on Highway 23 at 3:50 p.m. Retzinger was transported to Los Robles Hospital and Medical Center in Thousand Oaks where he was pronounced dead at 4:53 p.m. The crash is under investigation by the California Highway Patrol.

Fillmore Director of Public Works, Bert Rapp, shows a map of the city’s 11 storm drains, which flow into the Santa Clara River. A workshop on the new storm water permit and water softener prohibition was held Monday, July 7. Several hundred residents attended.
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A City Workshop was held at the Memorial Building on Monday, June 7, 2008 to discuss three major issues facing Fillmore residents. Approximately 300 citizens and City Council members were in attendance to watch the presentations by Public Works Director, Bert Rapp.
The first presentation was on the EPA’s National Pollutant Discharge Elimination System (NPDES) Permit. The new permit will require, among other things, retrofitting 22 miles of public streets with bio-retention areas and that each existing home and business install onsite storm water treatment. Bio-retention areas are grounds that have been landscaped with plants that can absorb pollutants and naturally convert them into non-hazardous materials. The city installations and maintenance would cost residents $900 per year or $75 per month in addition to their cost to install and maintain their own onsite storm water treatment devices. Existing City storm drains must have treatment installed within two years. Automatic mandatory minimum penalties for violations would be $3,000 per offense. This could escalate into $231,000 per day in fines for the city.
The second presentation was on the chloride levels in city water. The city is exceeding the current 100 milligrams per liter of chloride limit by approximately 37 milligrams per liter. The primary cause of this overage is the approximately 450 Fillmore residents who use Brine Discharging Water Softeners. If all in-home Brine Discharging Water Softeners were eliminated, the city would be in compliance and could avoid charging all residents an estimated $35 dollars per month fee.
The third presentation was on the FEMA Flood Insurance Survey. FEMA is in the process of revising the Fillmore Flood Insurance Rate Map. The preliminary map would require any resident with a federally insured home loan to purchase flood insurance as well as restrict the city’s ability to issue building permits for room additions, new homes, and business buildings. Rapp noted there were several errors in the report and he believes once these errors are corrected, these new requirements will be lifted.
Many public comments were heard by Rapp, city council members, and fellow citizens. One resident, referencing the spirit of the founding fathers of this country, stated, “The presentation, as good as it is, and as accurate as it is, seems to be geared toward: this is what we have to do, we’re asking you, ‘how are we going to do it?’ But I take the attitude is, we’re having to deal with an agency that’s out of control; totally out of control, made up of avid environmentalists. Rather than think, ‘how are we to do it?’ I’d rather have the council and the citizens’ figure out how do we not have to do it.” The sentiment received much applause.

Please find below all three power point presentations that were presented at the meeting.

Here’s a scoop from a life long Fillmore citizen who is currently deployed to Iraq with the US Army. My name is CPL Jesus T. Lomeli, son of Jesus and Elisa Lomeli, and older brother of former Miss Fillmore Yeseni Lomeli. I also have three other sisters, Susie, Briana and Deanna Lomeli, who are currently attending school in Fillmore and actively involved in the community.
I was born at Santa Paula Memorial Hospital and attended San Cayetano and Sespe Elementary schools. I attended Fillmore Middle School during the building process and graduated from Fillmore High School, Class of 2002. I then attended Oxnard College full time and worked at the local Dodge, Chrysler, and Jeep dealership in Fillmore. The financial burden of attending school was creating a problem and the first solution I came across was a GI Bill offered by the Army to pay for my schooling.
I enlisted in the Army in October 2003 and attended Basic Training in March 2004 at Ft. Jackson, South Carolina. Once I completed Basic Training, I attended Advanced Individual training as an Automated Logistical Specialist in Ft Lee, Virginia which I graduated at the top of my class being recognized as the Distinguished Honor Graduate. I was then stationed in Baumholder, Germany and have lived in Europe since. I deployed for the first time in 2005 in support of OIF III in the volatile Anbar Province on a Marine Base called Al Taqqadum. I returned the end of 2006 and was awarded an Army Commendation Medal, Combat Action Badge, Iraqi Campaign Medal and the Global War on Terrorism Medal.
I then spent another year in Germany on track to separate from the Army in March 2008 and return to California and finish my schooling. I was involuntarily extended by the infamous stop-loss and am currently deployed in support of OIF V at Forward Operating Base Hammer in Eastern Baghdad. I am currently assigned to the Convoy Security Platoon and provide security in Combat Logistics Patrols through downtown Baghdad. I am on my second tour in Iraq assigned to the 47th Forward Support Battalion, 2nd Brigade Combat Team, 1st Armored Division.
I am currently taking on-line college courses, working on completing my BA. Once I am done with this tour I am separating from the Army and pursuing a career in the medical field. I have every intention of returning to Fillmore once I am ready to start a family.
I have seen a lot of the continental states, many European countries and parts of Southwest Asia, and nothing compares to the weather, scenery, and community that Fillmore has to offer. I am proud of my little town and can't wait for this tour to end so I can once again become a permanent resident of Southern California.
CPL Jesus T. Lomeli, 1AD 2BCT 47TH FSB, US Army. P.S.: If any community members would like to contribute any care packages, as hygiene and other items become hard to come by they can mail them to: Convoy Security Platoon, B CO 47TH FSB, 1AD 2BCT, APO, AE 09308.

Fillmore City Council held its regular monthly meeting July 8, 2008, at 6:30 p.m. at City Hall. Councilmember Laurie Hernandez was welcomed back. The City of Fillmore Redevelopment Agency also met during the Council meeting.
The North Fillmore Area General Plan Amendment Initiative was thoroughly discussed. City Attorney Ted Schneider explained that because the initiative has received verified voters’ signatures for over ten percent of the City’s voters, the Council must either adopt the initiative or place it on a regular election ballot. The initiative must be placed on the ballot at least 88 days before the election. The Council also had the option of ordering an impact report. The Council ordered an impact report, including an analysis of the initiative’s impact on affordable housing, circulation, and its potential economic impact on jobs. The report will be ready by August 7th, and is estimated to cost less than $20,000. The Council voted to put the initiative itself on the November 4, 2008 ballot.
The Council approved the “Fillmore Realities” position paper in response to the FEMA flood map problem and its impact on the proposed annexation of certain areas to the City. The Council adopted the June 27th Addendum to Initial Study and Negative Declaration Fillmore Business Park Master Plan Final Environmental Impact Report. The Addendum and position paper will be conveyed to the Local Agency Formation Commission of Ventura County (LAFCO). The Council approved sending the Mayor and Mayor Pro Tem to Washington D.C. to lobby against the FEMA flood map. The Council approved a Memo of Understanding with Ventura County Watershed Protection District for preparing a response to FEMA flood map revisions.
Marcus Hernandez alleged that a volunteer firefighter has been carrying a taser and harassing and intimidating people in Fillmore. Hernandez pointed out that there were no city guidelines regarding the use of tasers by city employees, and asked the council to look into whether the use of tasers was appropriate and authorized in this case. Mayor Steve Conaway stated that this was a personnel matter, but added, “City policies stipulate that harassment is not tolerated.” The council respectfully considered Hernandez’s comments, requested that any victims come forward to provide the council with more information in writing or in person, and assured the public that complaints like those are confidential. This matter was placed on the agenda for the next Council meeting.
The Council adopted resolutions regarding a change in the Traffic Level of Service for the intersection of Highway 126 and A Street. The standard was lowered from D to E. This accurately reflects the number of lanes and turn lanes there. The City’s General Plan was amended accordingly. No physical development is involved. The change was reflected in the Fillmore Business Park Master Plan Final Environmental Impact Report.
The Council approved a response to the Ventura County Grand Jury report titled “Fillmore-Piru Memorial District Reorganization.” The Grand Jury’s report called for the special district responsible for operating and maintaining the Memorial Building to be dissolved. The Council is urging the LAFCO board not to dissolve the District because it provides and maintains an essential service to the community.
The Council approved a letter from Mayor Steve Conaway to the Ventura County Board of Supervisors regarding the truck traffic going through Ojai from the Ozena Valley Ranch Gravel Mine. The strongly-worded letter effectively argues that the trucks should not be re-routed through Fillmore.
There was discussion about which position the Council should take on Proposition 7. According to a representative from Southern California Edison, the proposition would “mandate utilities by the year 2025 have 50% of the energy that we procure on behalf of all of our customers be renewable.” He argued that the proposition does not take into account the costs to do so, is poorly written, and does not provide enough time. Brian Sipes made a public comment that the proposition is 42 pages long, and should be thoroughly considered before the Council determines its position. The matter will be discussed further at the next City Council meeting.
A representative from the Ventura County Fair presented this year’s Fair poster. The Ventura County Fair will be from July 30th to August 10th. The entertainment schedule has been determined, and the Beach Boys will be performing.
Upon the recommendation of Public Works Director Bert Rapp, the Council approved the contract plans and specifications for the construction of the Santa Clara River Permeable Weirs. The Council also authorized advertising for bids on the project.
A loan agreement was made between the Council and the Fillmore Redevelopment Agency. The City is providing a short-term loan of $142,500 for the Central City Project Area Fund.
The Council designated Mayor Steve Conaway as the voting delegate to the League of California Cities Annual Conference in Long Beach in late September. Mayor Pro Tem Cecilia Cuevas and Patti Walker are alternates.
The contract for Fire Department and Public Works Yard Improvements is going back out for bids because the generator was not included in the original advertisement.
Construction on River Park is proceeding. The contract was awarded to PIMA Corporation. If the contract’s contingency money is not spent, then the City will add tennis courts, more bathrooms, and/or basketball courts to the contract later. The skate park will be finished in December.
The Council approved a change order enlarging the drainage pipes for the Fillmore Recycling Plant. The cost increase will be paid for by the two developers involved. The exact amount of the cost increase is not yet determined.
The Council discussed the deplorable state of the Shiells Park restrooms and is considering remedies.
At the August 26th City Council meeting, the policy of publicizing city employee salaries will be discussed. Jamey Brooks had commented earlier that he did not believe city salaries should be secret.

Fillmore Patrol Deputies were dispatched to an injury collision in front of 1157 Ventura Street. The occupants were trapped in their 1987 Mazda pick-up truck that had collided with the rear end of a parked semi-truck trailer. The trailer was parked off the highway on the south side of the roadway. Initial investigation by Deputies and Fillmore Fire Department EMS determined the two occupants were severely injured.

Fire personnel took nearly an hour to extricate the occupants from the heavily damaged vehicle. Both occupants Candalario DelGado-Sanchez (approximately 20), and Rene Ayala (approximately 24) both from Oxnard, were transported to Ventura County Medical Center by AMR ambulance.

The passenger succumbed to his injuries and was pronounced deceased at the hospital at 0627 hours. The driver sustained multiple injures and was admitted in the hospital Intensive Care Unit.

Due to the lack of witnesses, there were no immediate indications why the driver drifted off the roadway.

Investigation is continuing as to the cause of the collision and possible criminal charges filed against the driver.

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On June 3, 2008, the Fillmore Police Department investigated a residential burglary and felony vandalism in the 900 block of Wileman Street in Fillmore.
As a result, police detectives identified the suspects as being tagging members of the All Faded Krew (AFK). A tagging crew such as AFK typically commits felony vandalism and other felonious crimes. They tend to conspire to destroy both public and private property. AFK is no exception, they burglarized the house on Wileman and kicked in the walls then stole numerous items.
The Fillmore Police Tagging Investigator is Deputy Gene Torres. Earlier in June, Deputy Torres arrested 2 adult and 3 juvenile AFK members for the original burglary. It was those arrests that assisted us in the investigation.
Deputy Torres conducted lengthy surveillance on the tagging crew and established intelligence information that lead to a Ventura County Judge issuing search warrants on seven Fillmore locations that AFK members used to conduct criminal activities.
On July 1, 2008, at about 0700 AM, Deputy Torres directed a 50 officer task force comprised of Fillmore Police and Ventura County Sheriff Deputies.
The task force served the 7 search warrants in the following locations: 500 Block East Telegraph, Fillmore, Block Via Rodeo, Fillmore, Block Wileman Street, Fillmore, 900 Block Wileman (Second Location), 1300 Block Cottonwood Lane, Fillmore, Block Sespe Avenue, Fillmore, 200 Block Avon Lane, Fillmore.
Six teams responded to the tagger residences and served the search warrants and probation searches. The following were arrested: 15 year-old male AFK tagger was arrested for Felony Residential Burglary, Conspiracy and Felony Vandalism. 23 year-old Daniel Montelongo was arrested for Felony Residential Burglary, Conspiracy and Felony Vandalism. 27 year-old Efrain Salazar was arrested for Felony Possession of Cocaine and Felony Possession of a Firearm.
In addition, Officers confiscated tagging evidence from search warrant locations that ties the AFK suspects into 20 open vandalism cases throughout Fillmore. We were shocked to discover and confiscate numerous illegal firearms including an AK-47 Assault Rifle with an 80 round magazine and numerous loaded clips. Also recovered were a shotgun and three high- powered semi automatic handguns.
The investigation is continuing against the AFK tagging crew and there are potential additional arrests pending. “Tagging crews are becoming bold and have obvious access to illegal firearms. They tend to be the breeding grounds for gang activity and The City of Fillmore has a zero tolerance of their criminal activities.”
Anyone with information about graffiti vandalism, or any other crime, are urged to call Crime Stoppers at (805) 524-0970 (Fillmore), Gang Hotline at 1-888-584-2647 or the Fillmore Police Department at (805) 524-2233.
Courtesy of Fillmore Police Department Ventura Count Sheriff Department.