Real estate blog entries tagged with down payment assistance by American Pacific Mortgage- Karen Cooper, Oregon & California

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down payment assistance: Where Is Louise Dix? - The Ongoing Saga of Oregon Neighborhood Stabilization Program - 10/06/09 07:21 PM

Monday October 5th was the official release for the State of Oregon’s Neighborhood Stabilization Program. The City of Medford Oregon which has its own program funding released on September 4th but put the program back on hold. Why? Could it be because the City removed Louise Dix from her position as … (4 comments)

down payment assistance: Here Honey, We're Leaving You $11.2 Billion+...in Debt! - 09/17/09 03:13 PM

Don't get me wrong...I certainly see the benefits the many families I am working with are going to experience with the $8,000 first time buyer tax credit. They're purchasing homes with monthly PITI payments less than they are paying in rent, they will experience the stability of home ownership, AND those … (6 comments)

down payment assistance: Kudos to City of Medford, City Council and ACCESS Inc. For Going Above And Beyond! - 07/29/09 06:25 PM

We're all bombarded by "stuff" on the news about this disaster and that failed system, and with the current state of the economy, real estate market and mortgage/banking industry, there is plenty of media fodder out there. How about a SUCCESS story? I have Kudos to give to the City of … (0 comments)

down payment assistance: 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)

down payment assistance: Thank God It’s Friday – Especially for Several First Time Southern Oregon Homeowners - 05/01/09 09:45 PM

Hmmmm...I hear about $8,000 tax credits, people buying who are paying the same as they were paying in rent who said they only had to come up with about $1,500, or for some a 3.5% down payment. I'd really like to have my own place, a place where I will build … (2 comments)

down payment assistance: Change is GOOD – And USDA Guaranteed Rural Housing Income Guidelines are Changing Effective April 20, 2009 - 04/08/09 09:27 AM

Here it is, the change we've all been waiting for! Alas, funding has been allocated to the USDA Guaranteed Rural Housing Program AND the proposed income guideline changes will be taking effect. USDA Rural Development confirmed the proposed change in income limit structure for the USDA Guaranteed Rural Housing Program will … (0 comments)

down payment assistance: Hey Oregon – Let’s Put the PAL Program to Good Use With a Front End Program For the $8,000 Tax Credit! - 04/07/09 11:17 AM

To date, Oregon is not making the $8,000 tax credit available to eligible first time homebuyers. I called to inquire how Oregon would help get the Housing Stimulus program approved in February 2009 in to the hands of the people since there was a provision in this bill that allowed States … (2 comments)

down payment assistance: Oregon Not Set Up to Fund $8000 Tax Credit Through Closing - 03/10/09 02:26 PM

It is with regret that I report the findings of my quest to find a way for qualified Oregon home buyers to utilize the $8,000 tax credit recently approved, and apply it to their down payment on home purchases.
The State of Oregon does not have the necessary revolving fund needed … (0 comments)

down payment assistance: One Step Forward, Two Steps Back - 02/17/09 08:50 PM

Having been in the real estate/finance industry since 1983, I've ridden many waves over the years in the mortgage industry. With interest rates on fixed rate loans in the high teens when I entered the lending world, adjustable rate mortgages were becoming the "new thing", from the Graduated Payment Mortgage loan … (8 comments)

down payment assistance: 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 … (2 comments)

down payment assistance: 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 … (0 comments)

down payment assistance: Seventy-Five Hundred Reasons for First Time Home Buyers to Buy NOW! - 08/11/08 11:34 AM

So HR 3221, the Housing & Economic Recovery Act of 2008, was signed by President Bush, and as with many of today's proposed solutions it comes with good and bad news. So, first time home buyers - want the bad news first? The "bad news" is Seller Funded Down Payment Assistance … (7 comments)

down payment assistance: Down Payment Assistance Coming Soon For Medford Oregon Buyers? - 08/11/08 11:26 AM

Plans are in the works to help provide down payment assistance for first time home buyers looking to purchase a home in Medford Oregon. The State of Oregon's and the City of Medford's Purchase Assistance Loan programs have been out of funds for several months, leaving first time home buyers looking … (3 comments)

down payment assistance: Oregon Rate Increases On Both State Bond Programs - 06/16/08 11:58 AM

Indicators have been pointing this direction, with signs of inflation in the economy and continued tightening in the credit markets, but the State made their move last week raising interest rates. These programs are still priced well below going market rates in equivalent conventional and government home loan programs.
The Oregon State … (0 comments)

down payment assistance: Southern Oregon Home Buyers! Can We Talk? BEFORE You Spend George W’s Tax Rebate? - 05/16/08 01:11 PM

Calling all Jackson County Oregon First Time Home Buyers who have a tax rebate on its way. What are you going to do with it? Take a vacation? Go on a mad spending spree? Or, leverage it in to becoming part of your retirement fund while providing your family the … (3 comments)

down payment assistance: Four More Ways To Buy A Medford Oregon Home With $1,000 - 05/07/08 12:12 AM

Have you been savings your pennies to buy a home, and your Piggy Bank is filled up and ready to go?
I couldn't believe the number of homes that Krista Bolf shows are currently available for sale for under $200,000 in Medford, Oregon.
Students who have been attending the HUD approved … (4 comments)

down payment assistance: $1,000 Down/$1,050 per month PITI Buys a $175,000 Home for Medford Oregon Buyers? - 04/27/08 04:34 PM

Did you know that a First Time Home Buyer in Medford, Oregon could buy a $175,000 priced home with as little as $1,000 of their own funds and have payments of about $1,050 per month including their principal, interest, taxes and insurance on a 30 year fixed rate mortgage? This is … (2 comments)

down payment assistance: Calling All Fence Sitters! Five Good Reasons to Buy Now... - 04/24/08 12:50 AM

Southern Oregon is such a great place to live! Time to put down some roots and stay a while? Well, here are five reasons you may want to consider buying now:
* Interest rates are still at historic lows, under 6% with no points for a conforming loan fixed for 30 year fixed … (7 comments)

down payment assistance: Now Is The Time For Us To Swing This Pendulum Back To The Middle! (Part 2 of 3 – Low-to-Moderate Income, Workforce Buyers) - 04/03/08 05:06 PM

In the almost 25 years I've been in the real estate and finance world, I've come across many programs that effectively contribute to sustainable homeownership for owner occupants. These programs may work for buyers qualifying for Conventional, FHA, VA, even Jumbo loan programs, but most require buyers take fixed rate loans, not … (0 comments)

down payment assistance: 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)

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