Real estate blog entries tagged with central point by American Pacific Mortgage- Karen Cooper, Oregon & California

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central point: HOPE Arriving For Struggling Southern Oregon Homeowners - 10/16/09 08:03 AM

Are you, or is anyone you know, struggling to find a way to stay in your/their home here in Southern Oregon? HOPE is arriving for struggling Southern Oregon homeowners who may have been attempting to refinance under the Home Affordable Refinance Program only to find out they needed to be under … (6 comments)

central point: Need A Wonderful Flooring Installer In Jackson County Oregon? - 10/08/09 02:28 PM

Meet Ray Feckner of Ashland Oregon. Ray is the gentleman that came highly recommended to my husband and I when we called Peter McBennett, one of our favorite general contractors who installs the windows & doors for our store, to see about replacing the vinyl flooring that was damaged in … (2 comments)

central point: It’s Harvest Fair Time Here in Southern Oregon! - 09/25/09 05:08 PM

It’s that time again, time for the Harvest Fair that is held at the Jackson County Fairgrounds at the beginning of autumn each year. Like Chili cookoffs? Come on down! How about beer/wine tasting? Come on down! Food (oh…I’m IN!)? Come on down! Live music? Come on down!

There is … (5 comments)

central point: Making Home Affordable Refinance Rolling Out at 125% of Current Value - 09/19/09 12:53 PM

Well, we've been waiting quite a while since the announcement was made that eligible homeowners could refinance their home loan under the Making Home Affordable Program borrowing up to 125% of their home's current market value vs. the previously established 105%.

More lenders are now making this program available, giving … (2 comments)

central point: Current Foreclosures for Sale in Jackson County Oregon - 09/16/09 10:34 AM

As a mortgage banker | broker here in Southern Oregon, I was happy to see Adam Bogle of Coldwell Banker ProWest in Ashland Oregon has posted some "hopeful" news with the number of available foreclosure homes on the market here in Jackson County Oregon. I'm working with several buyers who … (4 comments)

central point: 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 … (11 comments)

central point: Tale of A Sad, Sad Divorce After a Long Happy Partnership - 07/29/09 10:21 AM

Oh, woe is me! Alas, I have a tale to tell of how a long, steady, reliable relationship filled with mutual respect has gone awry. A sad tale of how a long, happy partnership had to end. I didn't WANT this relationship to end. But, I now NEED this relationship to … (12 comments)

central point: There Is A Secret Gem Here In The Rogue Valley! - 07/27/09 08:05 PM

In these times of busy real estate sales and sometime excruciatingly painful home loan processes, I am reminded that in the middle of every transaction is a glimmer of light. I wrote recently about another glimmer of light I experienced for one first time home buyer transaction that really came together … (3 comments)

central point: Update on Neighborhood Stabilization Program for Eligible Southern Oregon Home Buyers - 07/13/09 07:39 PM

Up in arms over an article I read recently in our local newspaper, wondering how one family has managed to reserve funds when others cannot, I've been trying to get answers for the many buyers I am working with who are eligible for this up to $50,000 in matching down payment … (2 comments)

central point: Hear Ye! Hear Ye! Southern Oregon First Time Home Buyers! Need Down Payment Assistance? - 07/11/09 03:01 PM

Are you a First Time Home Buyer in Southern Oregon who thinks you have to rent because you haven't been able to save for a down payment? Think again! Down Payment assistance funds are once again available to eligible first time home buyers meeting the income criteria depending on their household … (1 comments)

central point: Southern Oregon First Time Home Buyers and the $8000 Tax Credit - 06/10/09 04:03 PM

Back and forth, back and forth goes HUD and the negotiations with participating FHA lenders on the monetization of the $8,000 tax credit approved in 2009. The latest (May 29th) word is that the FHA guidelines have been changed in order to make these funds available at closing to first time … (2 comments)

central point: Calling All Southern Oregon First Time Homebuyers: ABCs of Homebuying Course Sat Apr 18th at Medford RCC - 04/13/09 05:24 PM

It's that time again, time for the HUD approved ABC's of Homebuying course that Southern Oregon Housing Resource Center and Rogue Community College put on for first time home buyers seeking the knowledge and preparation, and for some, to meet the required program certification for many first time home buyer down … (0 comments)

central point: Where Do We Go From Here If We Can’t Buy A Home Now? - 03/19/09 12:00 AM

As exciting as it has been to see so many first time home buyers join the ranks of those who have come before them to fulfill their American Dream of Homeownership, sometimes buying a home is not necessarily the right move. Does this mean renters are second class citizens?...Losers vs. winners?...Less … (6 comments)

central point: Want some of That $8,000 Credit On your 2008 Income Tax Refund Southern Oregon 1st Time Home Buyers? - 02/26/09 12:05 AM

If you qualified for the tax credit as approved in the American Recovery and Reinvestment Act of 2009 - i.e. you are a first time homebuyer (haven't owned a home in the past 3 years), your income does not exceed $75,000 for a single filer or $150,000 for a joint filer, … (3 comments)

central point: Is 4.50% The Mortgage Interest Rate You Are Looking For To Help You Buy Your First Home? - 02/04/09 02:33 PM

During follow up calls with existing clients last year, several of them mentioned that they had friends and relatives they are referring to me that were holding off until after the first of the year and/or the new president took office before venturing in to the waters to purchase a home. … (0 comments)

central point: 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 … (2 comments)

central point: The Sun Is Shining, Rates Are Low…Does It Get Any Better Than This? - 12/05/08 03:04 PM

Here in Southern Oregon, we've had a stream of foggy days of late. The gloom kind of suited my mood, though. But T.G.I.F.!

The fog is breaking and the sun is shining...

Interest rates have been falling...

And I'm thrilled to be helping clients save tens of … (0 comments)

central point: Plan B For Rogue Valley Sellers - Take Out A Bridge Loan To Access Your Equity? (Part 3 of 5) - 11/18/08 02:56 PM

Have you heard of a bridge loan? This is a loan feature that is frequently found when homeowners are building a new home while living in their previous home which they will sell once the new home is complete. A homeowner purchasing a new residence plans to make a down payment … (0 comments)

central point: Plan B For Rogue Valley Sellers - Take out a Home Equity Line Of Credit Or Refinance Your Existing Loan(s) To Get Cash Out For Down Payment (Part 2 of 5) - 11/18/08 02:49 PM

Did you purchase your home many years ago and you've been financially savvy, maybe you have a fantastic interest rate on the mortgage on your current home, refrained from refinancing to pull cash out, and you have a ton of equity in your home. You don't want to give up this … (2 comments)

central point: Rogue Valley Home Sellers, Are You Looking At Plan B To Sell/Buy Your Southern Oregon Home? (Part 1 of 5) - 11/07/08 12:49 PM

What happens when you've decided to move up, taking advantage of the many buying opportunities you are seeing in today's real estate market? You see the home that is just perfect for you - larger/ smaller, newer/upgraded, your ideal neighborhood, closer to work, more/less property, the pool you've always wanted, decorated … (0 comments)

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