Real estate blog entries tagged with first time homebuyer by American Pacific Mortgage- Karen Cooper, Oregon & California

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first time homebuyer: Medford Oregon Neighborhood Stabilization Buyer in the News - 11/18/09 11:25 AM

Working with a lot of first time home buyers over the years prepares one to expect challenges in the mortgage process. One recent transaction that should THANKFULLY close before Thanksgiving was probably at the top of the challenging range. I found out some things on the journey with these buyers. Some … (4 comments)

first time homebuyer: Will Mortgage Insurance Still Be Tax Deductible After December 31 2010? - 11/18/09 10:15 AM

With all the rapid changes we’re seeing in the mortgage industry, those that have been instituted and many coming down the pipe, I haven’t heard anything about the tax deduction for Mortgage Insurance Premium that expires 12/31/2010. Right now, eligible taxpayers may deduct their eligible mortgage insurance premiums, including FHA upfront … (6 comments)

first time homebuyer: Will realtors ever stop saying "Now is the time to buy and sell real estate". Just give us the facts, ma'am. - 11/17/09 10:43 AM

Like "location, location, location", "timing can be everything" is part of the equation when a buyer is determining the "right time to buy". Is it the right time to buy - FOR YOU?
Thanks for posting some great points in the decision making process, Pacita!

Via Pacita Dimacali - … (2 comments)

first time homebuyer: Clash of the Titans | Bank Owned Foreclosure Homes vs. FHA |VA| USDA Home Loans PART 2 OF 2 - 11/16/09 10:37 AM

Really what this boils down to is one question. Banks selling Foreclosure Home Inventory… why do you accept the offer of a buyer using FHA or USDA home loan financing programs if you are unwilling to negotiate their lender’s required repairs?

Yes, we all read in the MLS sheet the … (2 comments)

first time homebuyer: Clash of the Titans | Bank Owned Foreclosure Homes vs. FHA|VA|USDA Home Loans PART 1 OF 2 - 11/16/09 08:46 AM

In this battleground home buyers and sellers find themselves on in today’s real estate market, it is often necessary to work our way through conflicting goals to reach the ultimate goal, a successful closing on the sale of a bank owned foreclosure home to a ready, willing and able buyer. That … (2 comments)

first time homebuyer: The Road To Homeownership – 5k, 10k, Marathon, Triathlon… - 11/13/09 03:19 PM

The road to homeownership is different for each buyer. For some, it may be a walk in the park filled with wonder and beautiful sights along the way – a quick, uneventful, on-time closing. An experience, learning about the various species found, or re-visiting a favored path– learning about loan programs, … (4 comments)

first time homebuyer: Beware of Hidden Costs in Your Home Purchase Transaction - 11/10/09 10:22 AM

After a series of winter-like storms rolling through our corner of the world, the latest in a stream of “hidden costs” associated with the purchase of bank owned foreclosure sale transactions came to my attention. Working with a lot of first time buyers who often work very hard to come up … (10 comments)

first time homebuyer: Out With The New/Old, In With The Old/New…Oh Whatever! - 11/03/09 06:31 PM

2008 and 2009 have been phenomenal funding times for FHA loan financing for buyers purchasing real estate. This is because FHA guidelines are broader, making this financing tool more suited to today’s homebuyers’ needs. FHA guidelines allow the buyer to receive gift funds for their down payment/closing costs, which is what … (2 comments)

first time homebuyer: Have I Carved Out Market Niches In The Loans No One Else Can Do – Or The Ones No One Else Wants? Where’s My EASY Button!?!?! - 10/29/09 03:57 PM

Today, I’m tired and looking for my “Easy button”. Since 1983, I’ve come across a LOT of different aspects of real estate financing. Having entered the real estate finance industry during a time of extraordinarily high interest rates AND rising property prices, I saw some pretty creative mortgage products devised to … (8 comments)

first time homebuyer: Failure to Launch – Will Oregon NSP Be Like the Twenty-Something Child that Never Moves Out? - 09/24/09 07:48 PM

The mortgage/real estate industry has forced us die-hard survivors to engage, adapt, change, and above all things, BE PATIENT. For the most part, this has not been a great personal challenge for me – I LIKE change, know how to adapt, and under most circumstances can be extraordinarily patient. I’m methodical … (2 comments)

first time homebuyer: Oregon Vet Home Loans Lowering Rates This Week! - 09/24/09 07:07 PM

I’m excited to be working with another first time home buyer who will be taking advantage of what I believe is a great home loan program for veterans, the Oregon Vet home loan. AND he’s going to be getting a lower interest rate than he expected if his offer goes through … (0 comments)

first time homebuyer: Thanks Active Rain For Bringing Me ANOTHER Great Client! - 09/24/09 06:46 PM

I’ve been blogging here on Active Rain for two years now. Being unfamiliar with social networking at the time, I started out slow. I took advantage of the wealth of valuable information Active Rainers offer up in their posts. I read and read all the tips these bloggers were offering … (50 comments)

first time homebuyer: First Time Buyers In Medford Oregon Have MULTIPLE Options! - 09/10/09 02:32 PM

It isn’t often in life that we get multiple choices available to assist us on our journey, especially on the journey to homeownership, but eligible First Time Home Buyers in Medford Oregon have MULTIPLE CHOICES! Whether it is up to $50,000 for the Medford Neighborhood Stabilization Program for home buyers making … (2 comments)

first time homebuyer: Seventy Five to Twenty Five Homes For Sale Under $100,000 in Just One Rogue Valley Oregon Summer - 09/09/09 04:47 PM

Affordability indices are at amazing levels, with homebuyers finding deals we haven’t seen in generations here in the Rogue Valley. One of the deals is a recently released Neighborhood Stabilization Program, up to $50,000 in funds that can be used to match/make down payment, pay closing costs AND repairs on a … (2 comments)

first time homebuyer: Ready set GO! City of Medford Releases Neighborhood Stabilization Program to Eligible Home Buyers Purchasing Foreclosures - 09/08/09 07:47 PM

The long awaited day arrived Friday September 4, 2009 – the day Neighborhood Stabilization Program funds were released for eligible home buyers purchasing foreclosure homes. “Cancel going away plans for Labor Day Weekend, and rush right down to sign the application forms for the up to $50,000 in Neighborhood Stabilization Program … (6 comments)

first time homebuyer: How To Buy A Home In The Rogue Valley Oregon | Using City Of Medford First Time Buyer Program - 08/24/09 07:20 PM

Would you like to find out how you may use the City of Medford Oregon’s first time home buyer program? Are you a first time home buyer who earns less than 80% of the area median household income? Have you decided the time has come for you to purchase your … (2 comments)

first time homebuyer: 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)

first time homebuyer: How to Buy a Home In The Rogue Valley Oregon | Using Neighborhood Stabilization Program Funds - 08/13/09 12:38 AM

Have you been noticing a LOT of people who were perfectly content with renting homes are now entering in to the real estate market to BUY instead? Maybe they thought because they didn't have thousands of dollars saved or would have to live in the boondocks, they HAD to rent? Not … (4 comments)

first time homebuyer: Oregon Neighborhood Stabilization Program Underwriting Guidelines Updated 7/24/09 - 08/10/09 12:25 PM

We're inching along toward the release of the Oregon Neighborhood Stabilization Program funds for eligible home buyers purchasing foreclosure homes. Although Oregon is not yet accepting reservations for these program funds, they have updated the underwriting guidelines to reflect their interpretation of the most recent HUD amendments. As of today, these guidelines … (2 comments)

first time homebuyer: Northern California FHA Home Buyers, Need Help With The 3.5% Down Payment? - 08/07/09 10:30 PM

There are some fabulous buying opportunities out there for home buyers, from foreclosure homes that are priced under market to short sales and private party home sales. Add to that the range fixed interest rates have been hovering at and incentives like the first time home buyer $8,000 tax credit, and … (0 comments)

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