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housing counselor: Sorry, Suze, But It Just Isn’t That Simple - 09/24/11 08:46 PM
As a housing counselor here in Southern Oregon working day in and day out with homeowners who have encountered financial difficulties the one common thread I see throughout my day is their stories are complicated!
The homeowners who own property that has been in their families for 100 years – are they going to walk away because when their turn came to take over their family’s American Dream it was at a market peak and they are now sitting at 140% LTV? Or the family who took cash out to build an additional dwelling unit because their brother lost their job … (7 comments)
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housing counselor: What to Do When Your Bank Stonewalls Your Modification Request | Tips From A Housing Counselor - 09/30/10 01:35 AM
Applying for a loan modification when your world has been turned upside down and you are facing financial hardship can be difficult and frustration, to say the very least.
The recommendations I have for you if you are encountering “we lost your paperwork”, “your request was denied”, “you didn’t respond to our request in time”, etc. is to do the following:
· Request to have your financial hardship package transferred to “the Office of the President” at your servicer (every servicer has a division set up for “special cases”, although the name of the division may vary slightly from … (4 comments)
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housing counselor: When Best Laid Plans Go Awry | Tips from a Housing Counselor - 09/22/10 12:24 PM
For some, the American Dream of Homeownership has gone drastically awry. The days of anticipation of closing on that dream home seem long ago to them. Today, focus may be on getting food on the table and keeping the lights on. Maybe this is because of bad decisions made along the way, but more often it is because of job loss, reduced income, medical bills – situations beyond their control – and/or revolving debt accrued to keep payments up and cover budget gaps.
Along come the Making Home Affordable Programs and Hardest Hit Funds to help struggling homeowners hang on … (3 comments)
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housing counselor: Hardship Meets Opportunity - 07/21/10 12:13 AM
All around us, we see hardship and opportunity. Have you seen hardship…neighbors, colleagues, friends, family struggling to hang on to their homes and retirement portfolios that may have included real estate investments? Families torn apart due to financial distress from job loss, income reduction, payment increases, stress reltaed medical expense?
How about opportunities…those same people getting a home for their family for what seems like pennies on the dollar, buying real estate “in bulk” that actually carries positive cash flow? People who negotiated a reduction in terms with their mortgage holders, cutting their mortgage payments up to half of what … (6 comments)
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Karen Pierce Cooper
Medford,
OR
More about me…
Karen Pierce Cooper| Housing Counselor |Oregon
Address: PO Box 4126, NMLS#223305 , Medford, OR, 97501
Office Phone: (541) 779-6691
Email Me
Bringing 28 years of experience providing Southern Oregon and California Home Buyers and Homeowners | 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 | Helping Southern Oregonians on the road to fulfilling the American Dream of Homeownership - and staying there! ,
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