cash advantage: Back To The Days of 20% Down Payment? Oregon Suspends CashAdvantage Program - 04/01/08 10:24 PM
I was on vacation soaking up some sun and warmth in Southern California last week. 
Returning home, reaffirmed in our appreciation of the slower pace and more peaceful life we have here in Southern Oregon leaving the freeway shootings behind, I find one of my favorite loan programs has come under fire.
 
 
The … (8 comments)

cash advantage: 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)

cash advantage: 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)

cash advantage: Oregon Bond Loan Rate Volatility - 03/06/08 07:11 PM
We just received notification from the State that they reserve the right to adjust the interest rate on the Oregon Bond Loan programs, RateAdvantage and CashAdvantage, just as any market interest rate published by the banks and lending companies. Lending professionals will need to check the Oregon Bond Loan's Reservations website … (2 comments)

cash advantage: 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)

cash advantage: Shakespearian View of Oregon Bond versus Mortgage Credit Certificate - 02/27/08 12:06 AM
    O Affordability, Affordability, wherefore art thou affordability?
Undeniably, first time home buyers in Ashland Oregon have a tough time of it when it comes to entering the Ashland Oregon real estate market for the first time. Other areas of Oregon are struggling with the same challenge of housing affordability versus … (3 comments)

cash advantage: 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)

cash advantage: 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)

cash advantage: Buyer's Buying Dollar Increases This Monday - 10/19/07 03:46 PM
Good News!
The Oregon Bond Loan rates are going down effective Monday October 22nd.  The Rate Advantage Program will be 5.125% for a 30 year fixed and the Cash Advantage Program with the 3% Credit toward the buyer's closing costs/down payment will have an interest rate of 5.625% (5.866% APR on $219,000 … (0 comments)

cash advantage: Oregon Bond Loan - Still the Best Deal In Town - 09/18/07 02:53 PM
I love the Oregon Bond Loan! This program represents a wonderful collaboration of industry partners interested in giving low-to-moderate income buyers a leg-up to experience the many proven widespread benefits of home- ownership experienced not only by the homeowner and their families, but the community at large. In an area like Southern Oregon where living wages are … (4 comments)

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

Office Phone: (541) 608-6003
Cell Phone: (541) 601-4303
Email Me
25 years experience providing Quality Home Loans to Southern Oregon and California| 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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