affordable housing: Green Affordable Housing Coming Soon To Ashland Oregon - 06/19/08 11:57 AM
Rogue Valley Community Development Corporation announced this week that they will have an informational meeting on the 15 affordable housing units they plan to build through their Mutual Self Help Housing Program in Verde Village in Ashland. Go to RVCDC's website for information on qualifying for this program  , and if … (2 comments)

affordable housing: Metamorphosis With An Ever Changing Housing Market - 06/12/08 12:36 PM
A lot has changed in the housing market since I entered the business in July 1983. I can speak more specifically to the real estate finance industry, as the bulk of my 25 years have been spent here. Had I not started out with a bank whose top leaders were the … (2 comments)

affordable housing: Do You Know A Jackson County Oregon Resident Who Could Afford $550-650 Per Month For A Home? - 04/30/08 10:17 AM
 
 
Calling all Jackson County Oregon residents earning 30-60% of Hud's currently published median income for Jackson County, Oregon based on family size!!!!!
 
 
Have you, or has someone you know, given up on the idea of ever fulfilling your dream of becoming a homeowner? Have you thought you would be a renter forever because that … (5 comments)

affordable housing: Affordable Housing for Ashland Oregon – RVCDC Mutual Self Help Homeownership Program at Terrace Court - 04/28/08 11:08 AM
Rogue Valley Community Development Corporation's Terrace Court Project in Ashland, Oregon on Siskiyou Blvd between Park Street and Normal Avenue is well on its way to completing the second group of homes in this project, 6 townhome style units on Siskiyou Blvd. at Park Street. These homes are framed up with … (0 comments)

affordable housing: Guanajuato Mexico Housing Project Supported By The Rotary Club of Ashland Oregon - 04/27/08 12:05 AM
There is an International Affordable Housing Program being supported by The Rotary Club of Ashland to promote affordable housing internationally. This is the Guanajuato Housing Project, a project that like Habitat for Humanity, requires an investment by the home's recipient.
The homeowner must own their own land and build their own … (2 comments)

affordable housing: To Be, Or Not To Be (More Affordable Housing in Ashland Oregon)…That Is The Question! - 04/26/08 10:39 PM
The City of Ashland and Developer Doug Irvine have been in discussions over the possible trade of land. Doug Irvine is interested in acquiring a 2 acre parcel of land within Westwood Park plus three residential lots on Strawberry Lane, for which he will in return trade 10 acres of land … (7 comments)

affordable housing: Now Is The Time For Us To Swing This Pendulum Back To The Middle! (Part 3 of 3 – Low-to-Very Low Income Buyers) - 04/03/08 05:47 PM

 
Okay Non-Profit Affordable Housing Developers, I'm throwing down the gauntlet for you! Are you really utilizing the many funding sources available to you? Why is it that one affordable housing developer builds 10 or more homes per year, and another 1 home per year?
Oregon Habitat for Humanity Affiliates and Community … (1 comments)

affordable housing: Now Is The Time For Us To Swing This Pendulum Back To The Middle! (Part 1 of 3) - 04/03/08 04:48 PM
Wonderful news! Oregon Affordable Housing advocates have helped secure much needed funds to help retain low-cost rental housing units, funding that will include saving 667 apartment units in Jackson County, Oregon, keeping these units from being sold at market rates when their contracts expire soon. With the low rents maintained to … (0 comments)

affordable housing: New Income Limits for Oregon Bond Loan Effective March 14, 2008 - 03/12/08 05:24 PM
There are new income limits going in to place on the Oregon Bond Loan that become effective this Friday, March 14, 2008. For the Jackson County area here in Southern Oregon, there is no change for non-targeted areas, but the income limit will INCREASE for targeted areas. The City of Ashland … (0 comments)

affordable housing: Freddie Mac 100 Program Elimination Reflects Continued Tightening in Credit Criteria - 03/10/08 02:56 PM
For First Time Home Buyers in Southern Oregon, I typically recommend the Oregon Bond CashAdvantage program when the buyers lack a down payment, so the elimination of the Freddie Mac 100 program will not have much effect on my business practice. I received the following today from one of the lenders:
"ELIMINATION … (2 comments)

affordable housing: Table Rock Fellowship of Medford Oregon Steps Up to Help Habitat for Humanity Rogue Valley Build Their Next Home - 03/10/08 01:44 PM
Table Rock Fellowship is a nondenominational Christian fellowship church that has grown to become one of the Rogue Valley's mega churches. In spite of roughly 3,000 weekly attendees at this church, it has remained a down-to-earth, friendly church offering many programs and link groups to its members looking to find the right … (10 comments)

affordable housing: Effective March 7, 2008 ANOTHER Oregon Bond Rate Increase! - 03/08/08 12:49 PM
Well, the State of Oregon did not wait long to put their new "no notification policy" to work. The rates were increased March 3rd, and March 7th they were raised again without the usual e-mail going out to lenders participating in this program. The RateAdvantage program is now at 5.625%, and … (0 comments)

affordable housing: Rogue Valley Manor’s Contribution to Southern Oregon - 03/06/08 11:12 PM
From most places in the Rogue Valley in Oregon, you will see a very recognizable property on Barneburg Hill on the East side of the Interstate 5 Freeway. These two tall buildings are part of the Rogue Valley Manor property, a property that has grown to 668 acres which include two golf … (2 comments)

affordable housing: MCC A Better Alternative Than Oregon Bond? Maybe, With The Newest Interest Rates - 02/29/08 02:24 PM
The State of Oregon's Bond Loan Program for first time homebuyers will have higher interest rates on Monday. Effective March 3, 2008, the RateAdvantage interest rate will go up to 5.40% and the CashAdvantage interest rate will go up to 5.90%.
I recently did an article comparing the Oregon Bond loans to the … (4 comments)

affordable housing: Oregon Bond Rate Advantage Program at 4.95% - 02/03/08 11:33 PM
Have I mentioned before how great I think the Oregon Bond Loan program is for the first time homebuyer purchasing their home in Oregon? This program is designed to help the first time home buyer by giving them a below-market interest rate AND the option to buy a slightly higher, but … (3 comments)

affordable housing: More Affordable Housing for Rogue Valley - 01/23/08 11:54 PM
Rogue Valley Community Development Corporation (RVCDC) held their annual meeting tonight in Ashland, Oregon at the Ashland Community Center across from Lithia Park. Created in 1990 to work with low-to-moderate income people, this non-profit corporation has successfully developed 42 units, and has 14 units under development with the hope of soon pushing … (1 comments)

affordable housing: Rogue Valley Habitat for Humanity Dedicates 2 Homes January 12, 2008 - 01/11/08 10:48 PM
In this day and age when affordable housing is such a challenge to come by, it is wonderful that Rogue Valley Habitat for Humanity will dedicate two homes in Medford, Oregon on Saturday at 2PM.
What a rewarding day this will be!  Not only for the 14 lives about to change with … (10 comments)

affordable housing: Utility Independent AND Affordable Housing in Ashland Oregon?!?!?! - 12/03/07 12:56 PM
Oregon's First Utility Independent Housing Development AND Affordable Housing in Ashland Oregon?!?!
                                                               
The City of Ashlandhas approved a proposed development on the Ashland Greenhouses land owned by Greg and Valri Williams and their family for more than 100 years. There are 68 units proposed for this project, Verde Village, that will not … (4 comments)

affordable housing: Is Your Congressperson Working For YOU On H.R. 3915? - 11/28/07 10:02 AM
I must say, I am very impressed with our Congressman, Greg Walden. One of the promises I made to myself when moving to Southern Oregon was to take the extra time I now found I had on my hands after sticking to one business, the real estate finance business, and get more … (8 comments)

affordable housing: "ABC's of Homebuying" HUD approved Course Saturday December 8th - 11/26/07 03:53 PM
It's that time again!  Every two months, Southern Oregon Housing Resource Center/ACCESS Inc. puts on the HUD approved "ABC's of Homebuying" course at Rogue Community College campuses, alternating between Medford and Grants Pass. The next class will be on December 8th from 9 - 4 at the Medford RCC Campus located … (0 comments)

affordable housing: First Time Home Buyers Finding Great Deals! - 11/16/07 03:56 PM
With all the focus on the negative in today's news, I thought I'd throw in a couple of positive scenarios.
                                                     
#1 Transaction closed September 2007:  
A young couple decided the time was right for them to buy their first home. They were married a year and a half ago, have been … (2 comments)

affordable housing: New Affordable Housing in Central Point - 11/09/07 08:11 AM
The City of Central Point has a history of showing support for affordable housing. They supported Habitat for Humanity/Rogue Valley when they built 6 homes, the last two being dedicated in December 2005. Also in 2005, the City of Central Point supported the construction of 62 affordable one-bedroom senior apartments, the … (2 comments)

affordable housing: New Affordable Housing in Ashland - 11/08/07 08:53 PM
There ARE opportunities for affordable homeownership in Ashland!
                                                                                              
The City of Ashland typically has higher prices for homes than other areas of Jackson County, and it is because of this, they are the one City who makes the greatest effort toward providing opportunities for affordable housing in Jackson County.
                                                    
The City of Ashland is … (0 comments)

affordable housing: New Affordable Housing in Medford - 11/08/07 08:14 PM
Have you heard of the Grape Street Village Project being built by Rogue Valley Community Development Corporation (RVCDC) at Grape and 11th in West Medford? Unlike the Mutual Self-Help project RVCDC is building in Ashland, this project will only require 100 hours of sweat equity from the buyers. These will be … (0 comments)

affordable housing: New Affordable Housing in White City - 11/05/07 11:41 PM
I was happy to read in our local newspaper that a new Affordable Housing construction project is almost ready in White City, an unincorporated area just north of Medford. Auburn Estates is the name of this development and it looks like a great place for families. Only recently have we seen prices reach this … (0 comments)

affordable housing: Aaaarrrgh! My Income Is Just Too Low to Qualify to Buy A Home! - 10/27/07 12:45 AM
So, you hear all the stories from other people about how they bought their home, but you have given up hope of ever owning your own. Your income affords you a home that is barely livable, and you struggle to pay just for that every month. And, let's not even TALK … (0 comments)

affordable housing: There's A New Green Player In Town - www.BuildGreenRogueValley.org - 10/09/07 12:04 PM
Has anyone noticed there is a LOT of talk about "Going Green" lately? Thank Goodness, like Affordable Housing, Going Green has become "In" - not just in the "Organic Circles", but also in the mainstream. Environmental changes will come about only with major steps being made in this direction. Oregon is … (9 comments)

affordable housing: Proud To Be A Part of Habitat For Humanity/Rogue Valley's Success - 10/09/07 01:04 AM
My family and I relocated from Santa Clarita, CA to the Rogue Valley in beautiful Southern Oregon in 2004. We heard so much about the Quality of life the Rogue Valley had to offer, but our decision to move here had already been made as we drove down the Siskiyou Pass in to … (0 comments)

affordable housing: Why Support New Construction with a 3-4 Year Sell Through For Inventory? - 09/22/07 04:06 PM
I'm finding that the calls from custom builders inquiring about Builder Spec Construction Financing are picking up. In addition to the many subprime and equity lenders (HELOCs) notices, I've been receiving notices from construction lenders - or, more often, finding out through my own market research efforts! -  finding out they are pulling out … (3 comments)

 
Mortgage Company: Quality Home Loans, Inc. - Karen Cooper, Oregon & California
Karen Cooper - Mortgage Consultant for OR/CA
Ashland, OR
More about me…
Quality Home Loans, Inc. - Karen Cooper, Oregon & California

Office Phone: (541) 608-6003
Cell Phone: (541) 601-4303
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25 years experience providing Southern Oregon and California Quality Home Loans| Assisting First Time Home Buyers in need of Down Payment Assistance in Oregon| Specializing in Oregon Bond Loan| Oregon VA Loans| 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 and Northern California communities in Siskiyou County| Helping Southern Oregonians and Californians on the road to fulfilling the American Dream of Homeownership

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