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springfield: Do you know who is writing that website you are reading? - 06/17/09 04:17 PM
Interestingly, while doing some web surfing trying to find out who my competition is in the blog-o-sphere, I wasn't entirely pleased with who was out there. I wanted to know who else was writing about the place I call home and who was writing about lending, mortgages and loans. It is interesting what I found. Like this site, for example. Neighborhood Expert Online is a place where you can come and find someone that is actually in your Neighborhood to help you with whatever you need. Granted, the availability is kind of limited right now, but it is a fairly new site and as … (11 comments)
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springfield: Lower Mortgage Rates - Reduced Home Prices - Time to Buy? - Urgency - 01/07/09 09:35 PM
Sometimes you make your decisions based on total facts, sometimes you make your decisions based on strictly on feelings. In the following post about a sense of urgency, I think that I have put a balance to fact and feeling. Facts are that mortgage rates are low and prices of homes have dropped. My feeling is that rates may drop a bit more and that prices might drop a bit more, but I don't feel that either one will be enough of a change to make waiting worthwhile. Waiting? Yes, waiting. Why should someone that needs a home wait any longer? … (9 comments)
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springfield: Conventional Mortgage Rates - Loan to Value and Credit Score - How Rates are Determined - 12/29/08 02:52 PM
I am trying to use my own website more and more to post information for both first time home buyers and people interested in refinancing their current mortgage loans to get a lower rate, so the following was originally published on Eugeneloanguy.com and with a Eugene Area Realtor, Dennis Pease's blog. I think this information is especially valuable for anyone wondering why their mortgage rate is what it is. Mortgage rates can be very confusing for the uninitiated and this is just a bit of background to help understand some of what goes on in the background. This is the repost from … (12 comments)
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springfield: FHA Part Three - Manufactured Home Loans - 12/23/08 01:13 PM
This is Part Three in my series on FHA Real Estate Loans and some things that home buyers and home owners may not be aware of. Today, I am going to discuss the purchase and refinance of manufactured homes with their own land. Manufactured homes on leased land are not eligible for FHA loans in my lending area of Oregon, Washington and California. FHA loans, except for streamline refinances are limited to owner occupied primary residences only. First of all, what is a manufactured home? A manufactured home is one that is built in a factory and transported to the home … (7 comments)
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springfield: FHA Mortgage Loan Credit Requirements - 12/22/08 09:56 PM
This is Part Two in a three part series about FHA mortgage loans. Part One talked about the changes in FHA loans going into effect on Jan. 1 and the things that wouldn’t be changing. In this installment, I will cover some credit issues having to do with FHA loans.
FHA mortgage loans do not have a minimum credit score requirement. However, FHA does not make the loans, they insure them. The lenders that make the loans may have different rules. In this case, it is the Golden Rule; he with the gold makes the rule!
Different lenders, … (18 comments)
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springfield: FHA mortgage changes take effect Jan. 1, 2009 for homebuyers - 12/20/08 11:10 PM
This is part 1 in a series about FHA mortgage loans that affect buyers and home owners in the Eugene and Springfield Oregon area. FHA mortgage lending will undergo several changes on January 1, 2009. Some of them will affect more people than others. The down payment requirement on the FHA 203b and 203c will change from 3.0% to 3.5%. The FHA Secure will go away. The maximum loan amount for Lane County will change from $343,750 to $271,050 for a single family residence. FHA HECM (reverse mortgage) will be available for purchase transactions. Loan amount limit for the HECM will be … (19 comments)
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springfield: INTEGRITY, do you have it? How do you know? - 09/03/08 04:16 PM
We have a class going on in our office every week and we are studying a book by Ron Willingham called, INTEGRITY SELLING for the 21st Century. It has been an interesting study and I have been more than pleased with the information and skills available through this study.
One thing in particular caught my eye this last week. We are in Chapt. 6, (Demonstrate) and I want to pass it forward. "'Is what I have the best solution for this person's needs or wants?' If the answer is 'yes,' you have a professional responsibility to show and tell them how you … (0 comments)
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springfield: Credit Scores and how they affect your real estate purchasing rates and power - 09/03/08 01:30 PM
Barry Habib, Chairman of Mortgage Success Source, was recently interviewed by Fox Business News and he was asked about inproving your credit scores. You can see the interview here.
I found a lot of his answers a bit simplistic but still very helpful to the majority of people that have lower credit than their payment history deserves. Now, there are no "Credit Faries," even if you believe in the Tooth Fairy. There is not magic thing that will correct your credit if it actually reveals your method of handling credit.
In other words, if you pay things late as a general rule, … (0 comments)
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springfield: It's Free, It's Fun, It's Your Credit Report? - 08/26/08 05:07 PM
Jason is a fairly new friend of mine. We now have an almost bi-coastal relationship. I enjoy his blogs and have been trying to keep up with what he writes. This particular posting is about credit and credit reports. I may have been able to do it nearly as well, but he did all the hard work.
So, credit where credit is due, thanks to Jason Sardi for this excellent explanation on credit. Thanks Jason.
Via Jason Sardi, Pennsylvania Mortgage Broker:
To say your credit history & score is HUGE these days may be a borderline understatement. For purposes of my … (2 comments)
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springfield: The other 100% purchase loan, VA loan for veterans - 08/24/08 04:59 PM
There is quite a bit of concern regarding the elimination of the Down Payment Assistance programs and almost all other 100% purchase programs, so I want to spend a bit of time highlighting another 100% loan program. To my mind, this is the best 100% loan program, the VA loan.
VA's Home Loan Program is for veterans and active duty military personnel and certain members of the reserves and National Guard. VA's program provides an excellent product and benefit for those individuals who have served or are serving to protect our families and our nation, as well as giving them a … (6 comments)
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springfield: 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 (apparently there aren't a lot of rural areas in San Francisco). It has meant getting a call about the FHA Hope program from New Hampshire which I referred to someone in that area. It has meant getting a call about the Springfield Farmers' Market because I was the one that … (5 comments)
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springfield: The Eugeneloanguy, more than a blog, an actual mortgage loan office in Eugene - 08/22/08 07:00 PM
Hi everyone. Just so you don't think that I only operate in cyberspace, I thought it was time to do a little self awareness posting. To begin with, I work with Alpine Mortgage Planning, a northwest owned mortgage banker with headquarters in the hinterland of Lake Oswego, Oregon. For those out of state, it is one of the cities that make up the Portland Metro area.
My office is is Darth Vader Number 1 as we have always called 1200 Executive Parkway. The building is so named because it sort of looks like Darth Vader's mask in Star Wars. It is an … (6 comments)
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springfield: Bob Straub Parkway Opens - 08/21/08 12:30 PM
Springfield Mayor Sid Liken was supposed to open the new Bob Straub Parkway this morning at 9:15, but I beat him to it by driving on it at 8:45. Got some strange looks from the workers setting up the Grand Opening, but it was fun. There weren't any road closed signs on my end of the street.
This will save a few minutes each day from my drive time and I know the people at the other end of it will be very happy for this shortcut from Jasper. I just wish they had left the name as the Jasper Extension. … (0 comments)
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springfield: Have you been playing "In The Zone?" - 08/19/08 03:49 PM
I get a periodic email with positive information from Simple Truths. It is very good information and of course, they want me to buy their books, but they aren't really pushy about it.
The big thing I got out of todays message may be different than anyone else would get, but I couldn't help but share it. Speaker and author, Jim Cathcart, was quoted that to be at your best, find your zone of optimum velocity by observing the pace and intensity at which you perform best, or get in the zone.
The striking part for me was the next part about … (4 comments)
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springfield: 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. They were: How to prepare to divulge information to a mortgage loan officer, and how what you hold back can hurt you.
Is it a good idea to shop around to more than one loan officer when looking for a loan.
Well, if I answered number 2 the way I wanted and not … (9 comments)
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springfield: Market got you down? Don't know what to do? Check this out! - 08/18/08 11:45 AM
Bobby McFerrin said that life equals trouble and had a very simplistic solution:
Don't Worry, Be Happy Take a look at this and see if you agree.
Take this advise and team it with planning and execution and then you got a good shot of surviving the "Real Estate Crisis." Put a smile on your face, it makes them wonder what you have been up to. The pie has gotten smaller but there are fewer of us to eat it.
… (2 comments)
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springfield: Herrick Farms, Walterville Oregon, Fresh Produce - 08/17/08 03:53 PM
Herrick Farms, a great place for fresh produce I love this time of year in Oregon. There is nothing better than fresh sweet corn on the cob and fresh field ripened tomatoes. Add a bit of cantaloupe and peaches for desert and you are in heaven.
There are several places in and around the Eugene/Springfield area to get your fresh produce. The most advertised and well known are Thistledown Farms and Lone Pine Farms (no not loan pine).
It is a long drive from Thurston to get to either of them and still quite a jaunt to get to Johnson Farms … (8 comments)
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springfield: Restaurant Review: Holiday Farm Restaurant, Blue River OR - 08/16/08 12:07 PM
Holiday Farm Restaurant
The Holiday Farm Restaurant is located, according to the postal address, in Vida OR. In reality, it is almost located in Blue River (the USPS thinks they are the same) but misses that by a few miles too.
So, the first thing to say is the food and the service was excellent. I will come back to that, because I want to talk about where it is first. If planning dinner at the Holiday Farm, remember that it takes longer to get there than you expect. To get to the restaurant from Eugene/Springfield, take Highway 126 east … (4 comments)
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springfield: Church Signs - 08/15/08 12:40 PM
Did you know there is a place you can go and make your own church signs?
It is the church sign generator and can be found here. You can have fun putting your own announcements on the church sign and then posting it on your blog if you want.
This has always been one of my favorites, but I have experimented with my own, even going so far as making up my own church.
I hope you enjoy making signs and use this tool. It is free and as an old commercial by an appliance salesman in Portland used to … (11 comments)
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springfield: Princess Grace and the Bible - 08/15/08 12:19 PM
I have two dogs, Peanut (minature poodle) and Princess Grace (Shi-tzu) and overall, they are good companions. This story is about Gracie. Now, when you think about Gracie, remember she is a Shi-tzu, with the emphasis on the first syllable.
Gracie won't be one until November and has been an interesting addition to the household. I got her to keep Peanut company and she does a good job at that, but she is very, very, very hard headed. Apparently, that is not unusual for the breed. Peanut on the other hand is very compliant and obedient. Gracie is neither, most of the … (16 comments)
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Fred Chamberlin - Oak Harbor/Whidbey's #1 Experienced FHA Mortgage Consultant
Oak Harbor,
WA
More about me…
Guild Mortgage Co - Oak Harbor WA
Address: 32785 State Route 20, Suite 5, oak Harbor, wa, 98277
Office Phone: (360) 675-6106
Cell Phone: (541) 221-3455
Email Me
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