Real estate blog entries tagged with fha by Fred Chamberlin - Eugene/Springfield's #1 Experienced FHA Mortgage Consultant (Alpine Mortgage Planning

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fha: Blogging, real estate loans, mortgage consultant, and me - 08/24/08 12:25 PM

I have seen these type of posts before but I guess I need to add mine to the batch. I just hit two months with Active Rain and passed 33,000 points. So, what does that mean? So far, it has meant getting calls from California about USDA rural programs in Oregon … (5 comments)

fha: Real Estate Loan Consultant asked to comment on Credit and Shopping Loans - 08/18/08 04:09 PM

I was approached last week by a writer wanting some quotes for two articles she was writing for a Real Estate magazine. She asked me if there was one of the two I would like to comment on. For me, it seemed like a no brainer on which one to comment. … (9 comments)

fha: Wonderful Panacea FHA Secure - 07/30/08 12:17 PM

I have been reading everything I can find about the new housing bill and trying to find out what everything means. How are we going to help all of these people that are upside down in their homes because of falling real estate values? How do we get them into so … (7 comments)

fha: Oakridge/Westfir Summer Concert - 07/22/08 03:12 PM

This weekend is the Oakridge/Westfir Summer Concert headlined by Amy Clawson, a favorite local C&W singer. Amy is well known in the area and has been a regular at many fund raising and special events in and around Lane County.
The picture to the left is from her MySpace page … (3 comments)

fha: FHA Manual Underwriting - 07/17/08 02:00 PM

I know that as a lender, I always want an accept/eligible (Fannie Mae) or an accept/accept (Freddie Mac) when I submit an FHA borrower for automated (AUS) decision, but that doesn't always happen. So, here are some things to remember about your clients that have to have a manual underwrite:
Ratios above … (1 comments)

fha: Jumbo Loans - 07/15/08 12:57 PM

I have received comments lately from Realtors about how they read that jumbo loans were hard to get. To this, I have to answer in the affirmative. Jumbo loans are more stringent in their underwriting than they were just about a year ago. The loan to value is lower than it … (0 comments)

fha: FHA Secure - 07/13/08 12:18 PM

Are you one of the people that took a sub-prime loan because it was easy?
Are you now in trouble because the loan payments are progressing more rapidly than your ability to pay?
Are you one who the FHA Secure loan was designed to help?
If you are, contact me … (0 comments)

fha: FHA Training Class - 07/08/08 04:04 PM

FHA has changed. Have you kept up with the changes.
Estimates are that at least 70% of the sales in the coming year will be FHA financed. Do you know how to write the offer? Do you know how to advise your seller?
Alpine Mortgage Planning has positioned itself … (3 comments)

fha: Licensed Oregon Mortgage Brokers - 07/08/08 12:11 PM

In January of 2007, there were more than 13,000 licensed mortgage loan originators in Oregon. As of the Independence Day holiday, that number was down to 6,985 with less than half of them living in Oregon. It appears that the wheat is being separated from the chaff.
I have been working in the … (5 comments)

fha: FHA Facts - Mixed use commercial - 07/02/08 03:57 PM

FHA Facts:
Did you know?
A 203(k) mortgage may be originated on a "mixed use" property provided: (1) The property has no greater than 25 percent (for a one story building); 33 percent (for a three story building); and 49 percent (for a two story building) of its floor area used … (4 comments)

fha: FHA Mortgage Insurance changes - 07/01/08 05:24 PM

Effective this month, FHA mortgage insurance becomes risk based. There are changes to both the upfront mortgage insurance premium (UFMIP) and the yearly (paid monthly) premium. That means that the higher the loan to value and the lower the credit the higher the premium is. At the same time, the lower … (0 comments)

fha: Oil, markets and pricing - 07/01/08 12:38 PM

The big news in mortgage pricing is oil. Again today, oil topped $143 a barrel and this means that the price of almost everything goes up. When the prices go up, that means inflation. When you have inflation, that means that mortgage rates, that hate inflation, go up.
What can be … (0 comments)

fha: FHA 203k Streamline - 06/30/08 12:59 PM

FHA offers a Streamline 203k program that allows a homebuyer/owner to finance $5,000 to $35,000 of home repairs in the purchase or refinance of a home. This is an excellent program because it doesn't have the same review requirements of a complete rehab loan. I would be surprised if you … (2 comments)

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