Have You Been To The Winchester Inn Restaurant & Wine Bar In Ashland, Oregon? - 08/25/09 12:41 PM
After over five years living here in beautiful Southern Oregon, we are still making new discoveries all the time. New paths to take on walks and hikes. New streets to travel on to familiarize ourselves with the various neighborhoods here while discovering the different viewpoints here in the Rogue Valley. New shops/businesses to explore. All new to us, anyway.
 
We recently celebrated our 14th wedding anniversary. Since we had house guests at the time, we postponed our celebration until after they left. On Saturday, my hubby and I headed over to a restaurant we’ve wanted to try, having heard such … (2 comments)

How To Buy A Home In The Rogue Valley Oregon | Using City Of Medford First Time Buyer Program - 08/24/09 07:20 PM
Would you like to find out how you may use the City of Medford Oregon’s first time home buyer program? Are you a first time home buyer who earns less than 80% of the area median household income? Have you decided the time has come for you to purchase your own home instead of renting someone else’s? Have you been able to set aside $1,000 to do this with? Are you looking to buy in Medford? If your answer is “yes” to these questions, it’s pretty likely you are eligible for the City of Medford Oregon’s First Time Buyer Down Payment … (2 comments)

Southern Oregon Housing Resource/ACCESS Inc’s August 22. 2009 Class at RCC Had a Packed House! - 08/23/09 11:02 PM
 
The August 22, 2009 HUD approved ABCs of Homebuying class held at Rogue Community College was packed! Maybe this is because of all the incredible incentives Rogue Valley home buyers have available to them, such as the $8,000 first time home buyer tax credit set to sunset November 30, 2009, the City of Medford’s Down Payment Assistance program that gives matching down payment funds and closing costs up to a total of $15,000 to eligible first time home buyers purchasing a home in Medford, or the recently/soon to be released Neighborhood Stabilization Program that gives matching down payment funds and … (2 comments)

How To Buy a Home In The Rogue Valley Oregon | Using The FHA Home Loan - 08/20/09 09:05 AM
The days of flexible underwriting criteria have gone by the wayside for the most part. But, there are still common sense underwriting guidelines out there to meet the needs of the low-to-moderate income home buyer and homeowner. One of the most commonly used common sense programs is the FHA loan.
 
For the first time homebuyer with limited savings, the FHA loan is a great tool to buy a home with, since it requires a minimum down payment of only 3.5%, which may be a gift from family or down payment assistance like the City of Medford’s down payment assistance program … (2 comments)

Wordless Wednesday - Sunday Afternoon Stroll In The Park - 08/19/09 09:00 PM

Karen Cooper - OR/CA Mortgage Consultant - www.Quality4Loans.com  Providing high Quality, Professional, Ethical service to Oregon and California home buyers and owners since 1983. Whether you are taking out your first home loan or your fiftieth, for your home, your second home or forinvestment, put my knowledge and expertise to work for you.
… (14 comments)

Wordless Wednesday - The Road Less Traveled - 08/19/09 08:55 PM

Karen Cooper - OR/CA Mortgage Consultant - www.Quality4Loans.com Providing high Quality, Professional, Ethical service to Oregon and California home buyers and owners since 1983. Whether you are taking out your first home loan or your fiftieth, for your home, your second home or for investment, put my knowledge and expertise to work for you.
… (14 comments)

How to Buy A Home In The Rogue Valley Oregon | If You Are A Self-Employed Borrower - 08/17/09 09:56 PM
Remember the days of the “Stated Income” loan? They weren’t that long ago, having fizzled away and disappeared in to the fog of “alternative lending” programs that are no longer with us. While many alternative and subprime mortgage products needed to disappear in order to bring the realm of real estate financing and markets reliant upon it back to a more sustainable level, the stated income loan is sorely missed.
 
The stated income loan was designed to meet the specific needs of the self-employed, commissioned or bonus receiving homeowners. People receiving irregular revenue streams with spiking expenses who have exhibited … (11 comments)

How to Buy a Home In The Rogue Valley Oregon | Using the USDA Guaranteed Rural Housing Loan No Money Down Program - 08/15/09 12:24 AM
Do you like the idea of living outside the hustle and bustle of the city? Is rural living the lifestyle you choose? There is a great home loan program that is right up your alley, called the USDA Guaranteed Rural Housing Loan Program. This is a government home loan program that may be used for eligible areas with population under 25,000 and away from a metropolitan area. For the Jackson County area of the Rogue Valley, this means eligible areas could be Ashland, Talent, Phoenix, Ruch and Jacksonville to the South of Medford/Central Point, or White City, Eagle Point, Shady Cove, … (3 comments)

Speechless Sunday - Roving the Rogue - 08/09/09 07:31 PM

Karen Cooper - OR/CA Mortgage Consultant - www.Quality4Loans.com Providing high Quality, Professional, Ethical service to Oregon and California home buyers and owners since 1983. Whether you are taking out your first home loan or your fiftieth, for your home, your second home or for investment, put my knowledge and expertise to work for you.
 
… (7 comments)

Southern Oregon Seniors, Did You Know You Could Use A Reverse Mortgage To PURCHASE A Home? - 08/07/09 11:17 PM
A lot of information goes around about the Reverse Mortgage that is the tool many senior homeowner's choose to use to help bridge the gap between their retirement benefits and their everyday expenses, but Southern Oregon Seniors, Did You Know You Could Use A Reverse Mortgage To PURCHASE A Home? The general terms are the same as when you already own a home and take out a Reverse Mortgage, aka "Home Equity Conversion Mortgage" or "H.E.C.M.".
 
Some general program details:
 
You must be 62+ years old You never have to make monthly payments on the amount you borrow Credit … (7 comments)

Medford Oregon Open House - 08/07/09 11:03 PM
Hey, Southern Oregon First Time Home Buyers! Here are some brand new homes you can check out - for $185,000!!!! With an FHA home loan that only requires a minimum down payment of 3.5%, and that can be a gift from a family member, what a way to buy a home.
Via Barbara Brown (Windermere Van Vleet and Assoc.):
Medford, Oregon Open House - Sunday August 9, 2009 from 1 to 3.  Come by 425 Spring Valley Drive, Medford, OR between 1 and 3p.m to view this brand new home located in the West McAndrews subdivision.  The frist phase has 21 lots and … (0 comments)

Northern California FHA Home Buyers, Need Help With The 3.5% Down Payment? - 08/07/09 10:30 PM
There are some fabulous buying opportunities out there for home buyers, from foreclosure homes that are priced under market to short sales and private party home sales. Add to that the range fixed interest rates have been hovering at and incentives like the first time home buyer $8,000 tax credit, and it's been a pretty busy summer selling season.
 
There are people who although they have good credit, stable employment and income and WANT to buy, but because of a high cost of living saving the down payment and closing costs to purchase a home have gotten in the way … (0 comments)

Oregon Neighborhood Stabilization Program Release Delayed Further - 08/07/09 01:19 PM
Being a Sunday School Teacher, I remind myself there are better ways to vent anger than some of the words that come to mind when working through what can be a very frustrating job these days in the mortgage industry.
Yesterday, I learned that Oregon has once again delayed the release of the Neighborhood Stabilization Program. This was good news and bad news, as the good news was that our NSP Coordinator, Becky Baxter, is being promoted. The bad news was that we have to wait for her replacement to get up and running before Oregon will re-release the NSP funds for … (2 comments)

Southern Oregon Seniors, Has The Time Come For You To Consider A Reverse Mortgage? - 08/07/09 10:52 AM
Are you or someone you know a Southern Oregon senior citizen looking to find the means to supplement retirement benefits? The economy has wreaked havoc on many families, including those relying on fixed income benefits like social security, pension and retirement benefits. Dropping interest rates and poor stock/mutual fund/bond performance has gnawed away at the supplemental income many people rely on to bridge the gap between their everyday living expenses and their retirement benefits. Or, maybe you or your parents/grandparents are handling their everyday living expenses okay, but the time has come to make necessary repairs to the home or cover … (2 comments)

Ashland Oregon Home for $229,900??? Yes, it's True! - 08/05/09 06:48 PM
Hey first time home buyers in Ashland Oregon, have you seen this listing? With a USDA loan what a great way to jump in to the world of homeownership if you meet the income criteria and other guidelines! Wanting to hustle and close on your home purchase to take advantage of the $8,000 tax credit you have found out you are eligible for? Don't wait! Call today!
Via Krista Bolf, Ashland Homes & Real Estate Medford Homes & Real Estate for Sale (Coldwell Banker Pro West - Ashland):
… (0 comments)

Protecting the Values of An Area's Homes Begins With ABC ... - 08/05/09 06:36 PM
It's back to school time, and Gene Mundt's post reminded me of the critical role local schools have in a community. In these tough economic times with the budgetary crunches many school systems are facing, I believe it is important we stay in tune with our local schools and their issues. Way to get the word out, Gene!
Via Gene Mundt (Chicago Bancorp):
                                                                   I was in the local Wal-Mart over the weekend.  It was jam-packed   with families buying school supplies for the upcoming new school year.   Cart after cart of pens, paper, computers, folders, and colorful crayons  were flying out the door.
       My wife … (0 comments)

Wordless Wednesday - Red Skies At Night... - 08/05/09 11:32 AM

Karen Cooper - OR/CA Mortgage Consultant - www.Quality4Loans.com Providing high Quality, Professional, Ethical service to Oregon and California home buyers and owners since 1983. Whether you are taking out your first home loan or your fiftieth, for your home, your second home or for investment, put my knowledge and expertise to work for you.
… (7 comments)

 
3 Rainmaker_large

Karen Pierce

Medford, OR

More about me…

Karen Pierce | Housing Counselor |Oregon

Address: PO Box 4126, NMLS#223305 , Medford, OR, 97501

Office Phone: (541) 779-6691

Email Me

Bringing 29 years of experience providing Southern Oregon and California Home Buyers and Homeowners | Serving all of Jackson County Oregon including Ashland- Talent- Phoenix- Medford-Jacksonville- Ruch- Central Point- White City- Eagle Point- Shady Cove- Gold Hill, as well as Josephine County including Grants Pass- Merlin- Wilderville | Helping Southern Oregonians on the road to fulfilling the American Dream of Homeownership - and staying there!


Listings

Links

Archives

RSS 2.0 Feed for this blog

Find OR real estate agents and Medford real estate on ActiveRain.