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

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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)

first time homebuyer: Oregon Neighborhood Stabilization Program Release Delayed Further - 08/07/09 01:19 PM

Being a Sunday School Teacher, I remind myself there are better ways to vent anger than some of the words that come to mind when working through what can be a very frustrating job these days in the mortgage industry.
Yesterday, I learned that Oregon has once again delayed the release of … (2 comments)

first time homebuyer: “Doesn’t Play Nice In Sandbox”…Is This How You Wish To Be Described? - 07/13/09 01:17 PM

Posting on Active Rain for almost 2 years now, there have been times when I've come across the occasional post and/or comments that make me think "gee...this person sure didn't learn how to play well with others". It reminds me that Active Rain has been an incredible way to … (62 comments)

first time homebuyer: 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)

first time homebuyer: Hmmm... VA (State or Federal) or USDA Guaranteed Rural Housing to Buy Your Home? - 06/12/09 06:41 PM

Honored to have the opportunity to serve several veterans this week, grateful for the opportunity to help them now in return for their service and sacrifice for our country, I had the opportunity to show the comparisions between some fabulous government loan programs.
Using one's VA benefit to purchase a home can be … (2 comments)

first time homebuyer: Southern Oregon Buyers and Realtors –Have You Heard Of The Neighborhood Stabilization Program? - 06/12/09 05:47 PM

It sure has been a busy week this week, with the many first time home buyers taking advantage of the programs that are out there for them. Here are details on one of them:

Neighborhood Stabilization Program: Eligible Buyers earning up to 120% of HUD median income, purchasing a home … (0 comments)

first time homebuyer: Ready…Set…WAIT! - 06/01/09 04:30 PM

Have you ever played "On your mark...Get Set....Wait!" with your kids? Or, "Red Light, Green Light"? I know we've done this, and are learning as time goes by that this isn't a bad lesson for our kids to get in the world we live in today. I'm thinking I wish someone … (3 comments)

first time homebuyer: Coming soon (or Maybe!) – Eligible FHA Buyers May Obtain the Economic Stimulus Tax Credit at Closing and Apply It to Their Down Payment? - 05/13/09 03:17 PM

That's right, you read that correctly! Secretary Donovan of the U.S. Department of H.U.D. announced that the Federal Housing Administration is going to allow lenders to do a form of "bridge loan" for the up to $8,000 tax credit so that FHA buyers may use these funds toward their down payment instead … (4 comments)

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