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affordable housing: Calling All Concerned Citizens of Medford Oregon! - 07/02/09 05:18 PM
Want to have your say in how you would like Community Development Block Grant funds to be allocated to the community for the next 5 years? Do you believe street lighting is insufficient, homeless population needs need greater focus?...Our at risk youth programs are insufficient to meet their needs, Historical Buildings need to be preserved?...Affordable Housing needs aren't being met, energy efficiency steps aren't great enough?
The City of Medford wants to hear FROM YOU!!!
http://www.ci.medford.or.us/News.asp?NewsID=2465
Go online and complete the survey and make your opinions known. Now how many times are you asked to do THAT?!?!/? Get out … (2 comments)
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affordable housing: Rotary Sister City Partnership Leads to Affordable Housing AND Safer Living Conditions - 02/16/09 01:30 PM
Have you heard of one of Rotary International's World Community Support projects, an affordable housing project that is a direct result of the Sister City partnership of Ashland, Oregon and Guanajuato, Mexico? This collabortive effort between multiple agencies has led to the construction of 50 affordable homes in Guanajuato communities, 200 Lorena Stoves and 6 playgrounds.
Published in am.com.mx by Cinthia Rosiles Bejarano:
Members of the Rotary Club of Guanajuato in conjunction with members of Rotary Club of Ashland donated 196,940 pesos for Andalusia DIF municipal building, 200 lorena stoves, and six playgrounds.
"Support is for families in diverse communities of the … (0 comments)
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affordable housing: Southern Oregon First Time Home Buyers – Will $8,000 Help You Buy A Home? - 02/13/09 02:41 PM
There is some good news on the horizon for home buyers who are ready, willing and able to enter the world of homeownership!
There are several provisions in the overall stimulus package that should be on President Obama's desk to sign Monday. One of the most beneficial provision for home buyers is an $8,000 home buyer tax credit for new home buyers - buyers who have not owned a home in the past three years. For qualified home purchases in 2009, the legislation:
· Stipulates that the $8,000 tax credit does not have to be repaid, unlike the tax credit passed … (0 comments)
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affordable housing: Oregon Bond Lowers Rates (Finally!) - 12/19/08 04:44 PM
I am a big fan of the Oregon Bond loan program for first time home buyers. It has been very sad not having this tool in my chest, while the State of Oregon grappled with the stagnant bond market, unable to sell the bonds that fund this program except for a few higher priced buyers in the bond market. These State Bond programs run through the individual State Housing Finance Agencies are suffering with the scondary market issues we've had in the mortgage industry for the past 18 months.
Yesterday, the Oregon Housing and Community Service division who manages the Oregon … (2 comments)
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affordable housing: Rogue Valley Buyers Buying For Only $1,000 Per Month! - 12/12/08 04:26 PM
There are bright rays of sunshine gleaming through the present real estate market here in Southern Oregon. For the first time in a long time, prices are in the range of the entry level home buyer. How did we get to this place?
Many economists and industry professionals believe that the price point for sustainable homeownership is 3-4 times the annual income for the household. Well guess what, Rogue Valley Renters? Those price ranges are here! Add to that some other great market conditions, such as:
For buyers in need of down payment assistance, there is a great program … (2 comments)
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affordable housing: Southern Oregon ABC’s of Homebuying Class this Saturday December 13th at Rogue Community College - 12/08/08 01:41 PM
The next "ABC's of Homebuying" HUD approved course for first time homebuyers is coming up this Saturday December 13, 2008 from 9 a.m. - 4 p.m. at Rogue Community College in Downtown Medford. Not only is this is the required course for several first time homebuyer programs, but it is a great source of information for the first time homebuyer AND buyers who are re-entering the market after being on the sidelines of the real estate market for several years.
For information on registration and directions, follow this link, or contact the Southern Oregon Housing Resource Center at ACCESS, Inc. (541)774-4329.
… (0 comments)
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affordable housing: Ray of Hope Shining Through - 11/21/08 02:31 PM
As seems to be the case in just about every situation, in the midst of the trials and tribulations we are experiencing in the housing market and economy in general there are gleams of light. Working to further hone some positive perspective skills, I bravely decided I'd wade through today's newspaper, filters to stop negative input firmly in place. Skipping over anything that appeared to be unsubstantiated "hype" and "doom", I moseyed on over to the topics that interest me, like the many outstanding community efforts my fellow Southern Oregonians are making. Community efforts like the Rotary Club of Ashland Oregon's … (2 comments)
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affordable housing: Distressed Homeowners, More Help Is On The Way - 11/11/08 04:07 PM
Do you own a home, one you have been struggling with making the payments on? Have you given up hope of keeping your home, and stopped making your mortgage payments? Is it your wish to be able to stay in your home, if only the payments on it were more affordable?
Homeowners there are rays of sunshine in all the gloom in the housing market. A streamlined approach is being rolled out to help distressed homeowners wanting to stay in their homes. By December 15, 2008, servicers of loans sold to Fannie Mae and Freddie Mac - this is roughly 58% … (4 comments)
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affordable housing: To Be Or Not To Be...Higher USDA Incomes for Jackson County Oregon? - 11/07/08 03:40 PM
It looks like the proposed revisions for the USDA Guaranteed Rural Housing program may go in to effect January 20, 2009 for their programs. If so, Southern Oregon home buyers looking to purchase a qualified property outside of the Medford and Central Point city limits will fall in to only two income categories vs. the many we have been using.
For example, presently the income limits for qualifying USDA Guaranteed Rural Housing Home Buyers in Ashland, Talent, Phoenix, Jacksonville, White City, Eagle Point, Shady Cove, Trail, Gold Hill and the surrounding rural areas would be qualified using the following income chart:
… (0 comments)
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affordable housing: Can Eagle Point Oregon Buyers Still Find 100% Financing? - 11/03/08 01:13 PM
Can a home buyer looking to purchase a home in Eagle Point Oregon still find 100% financing? You bet! The variety of program options we have had available to us in the past are not as prevalent, but there are options available, such as the Federal VA Home Loan program for eligible Veterans and the USDA Guaranteed Rural Housing program. These are not subprime mortgages; rather they are long standing programs that buyers' mortgage consultants just haven't told them much about for the past several years.
Let's take a look at how a buyer looking to purchase a home in Eagle Point … (2 comments)
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affordable housing: 2nd Annual Rogue Valley Community Development Corporation Dinner/Auction/Raffle - 10/22/08 01:33 PM
Rogue Valley Community Development Corporation is holding its 2nd annual dinner and fundraising event with delicious food, a silent auction and a raffle. "A Harvest of Affordable Homes" will be held Saturday November 1, 2008 6-9 p.m. at: Ashland Pioneer Hall 73 Winburn Way Ashland
Tickets are $30, and you may call 734-2355 to reserve.
Come on down and support this non-profit organization's efforts to build more affordable housing in Southern Oregon.
See you out there!
Karen Cooper - OR/CA Mortgage Consultant - www.Quality4Loans.com
… (0 comments)
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affordable housing: Documentary Transfer Tax To Help Fund Affordable Housing – Aye or Nay? - 10/17/08 06:07 PM
It appears that in our area, our citizens may shortly be finding it necessary to address yet another attempt at getting a Documentary Transfer Tax through to help fund affordable housing. This is not the first attempt for us, and if it isn't passed, will likely not be the last attempt. Housing prices exceed sustainable levels based on area incomes in many areas, with market forces driving out the lower income range families - and often times the working families. Having experienced both sides of this coin, the strong needs communities have for affordable housing for their citizens and the increasing … (3 comments)
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affordable housing: Another Successful Affordable Housing Project Completed in Ashland Oregon! - 10/11/08 10:01 PM
It is with great excitement that the new homeowners who have participated inthe Rogue Valley Community Development Corporation's Mutual Self-Help Program at Terrace Court are moving in to their homes. These 6 homeowners have completed their townhome units on the South side of Ashland on Siskiyou Blvd at Park Street, and are moving in to their homes. Congratulations to these homeowners and the incredible support system they have had through Rogue Valley Community Development Corporation and Jobs Corp teams that have helped these six families' dreams to become homeowners a reality!
Rogue Valley Community Development Corporation is a local non-profit housing … (4 comments)
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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 you think you may meet the income criteria and are able to commit to contributing 16-32 hours per week to meet the sweat equity requirements, plan to attend the meeting Thursday June 19th at 6p.m. at Pioneer Hall, 73 Winburn Way, Ashland, Oregon. Or contact Roxanne Zepeda at Rogue Valley … (2 comments)
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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 husband and wife team of Herbert and Marion Sandler, I wonder sometimes if I would have experienced many of the opportunities that came my way. Sure, bank dress codes even in the "liberal 80's" preferred women employees in skirts/dresses whose hemlines fell below their knees, business suits that were preferably … (2 comments)
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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 is what you can afford with your income? Are you ready to see if maybe there really IS an alternative for you and your family? Did you know that credit issues may not necessarily prevent you from becoming a Habitat Homeowner?
These are the main criteria for Rogue Valley Habitat:
You current live … (5 comments)
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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 roof trusses on, and the participants met with Roy Cooper of Superior Windows & Doors in Ashland to choose the interior doors and hardware they wish to have for their homes. The homes completed last year in this project were 7 similarly styled homes on Siskiyou Blvd. at Faith.
The community … (3 comments)
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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 home, a home which will cost $2,600 US to build.
The Rotary Club of Ashland raises $650 per home, the City of Guanajuato also contributes $650 per home, then the State of Guanajuato matched that $1,300 each per home. The Mayor of the City of Guanajuato and the president of the Club Rotario … (2 comments)
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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 he owns on Clay Street.
The City of Ashland has been great proponents of affordable housing for its residents, and they are looking to build 60 homes on 5 acres if this parcel of land on Clay Street with soccer fields on the other 5 acres. Doug Irvine is looking … (7 comments)
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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 Development Corporations, this one is to help you get more of our low to very low income residents into housing. Here you go!
Plan A - Help every one of your homeowners apply for the Oregon Purchase Assistance Loan of $10,000. For Habitat for Humanity and USDA Self-Help homeowners, their … (1 comments)
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Karen Pierce Cooper
Medford,
OR
More about me…
Karen Pierce Cooper| Housing Counselor |Oregon
Address: PO Box 4126, NMLS#223305 , Medford, OR, 97501
Office Phone: (541) 779-6691
Email Me
Bringing 28 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! ,
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