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jacksonville: 45th Annual Children’s Festival in Jacksonville Oregon Coming July 10-11-12 2011 - 06/15/11 06:31 AM
It’s that time of year again, one that many Rogue Valley families and visitors have enjoyed over the past 45 years. The Jacksonville Children’s Festival held at the Britt Garden County Park is a wonderful family event that every kid enjoys.Not only do you get to experience the many different hands-on activities, but our kids throughout the Rogue Valley come out to show their talents and put on shows for you on the Britt Stage .
An amazing group of volunteers comes together to put this on for Our Children every year, giving the kids … (2 comments)
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jacksonville: 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 a rental we have in Old East Medford. Ray met us when we were having the final walk through with our outgoing tenants, and gave us a great quote for his services to replace the kitchen/laundry/bath area vinyl flooring. It’s no wonder he has had this family owned and operated residential … (2 comments)
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jacksonville: Southern Oregon Realtors Working With USDA Buyers – Your Transaction CAN Close On Time! - 09/29/09 02:51 PM
The end of the fiscal year is September 30th for the USDA Guaranteed Rural Housing Program. More often than not, Congress does not have the next year’s program funding allocated before this date rolls around. Many banks and mortgage companies will pull the plug on funding their USDA Guaranteed Rural Housing loans until Congress allocates the funding. BUT NOT ALL OF THEM!!!!!
We've been down this road before. For us, it’s business as usual on the USDA Guaranteed Rural Housing Program loans. If you are a Southern Oregon Realtor working with an eligible USDA Guaranteed Rural Housing Loan program buyer … (0 comments)
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jacksonville: Here We Go Again! – USDA Guaranteed Rural Housing Program Funding for 2010 Needs To Be Allocated By Congress - 09/25/09 12:45 PM
It’s that time of year again, the end of the fiscal year and time for reallocation of program funding for the USDA Guaranteed Rural Housing Program. Each year during this time of year, several banks and mortgage companies throw the switch on their USDA Guaranteed Rural Housing Program, pulling all fundings on this program until Congress allocates the funding for the next year.
Not all banks do this, though! If you are in the midst of a transaction using USDA Guaranteed Rural Housing program funds, you need to contact your lender and make sure the conditional commitment has been … (0 comments)
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jacksonville: 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 a company like mine who is a mortgage banker AND a mortgage broker the opportunity to shop rates with many different banks/lenders for homeowners who could benefit from refinancing their home loan in order to obtain today's low interest rates. This may help offset some of the further value declines … (2 comments)
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jacksonville: How to Buy a Home In The Rogue Valley Oregon | Using the USDA Guaranteed Rural Housing Loan No Money Down Program - 08/15/09 12:24 AM
Do you like the idea of living outside the hustle and bustle of the city? Is rural living the lifestyle you choose? There is a great home loan program that is right up your alley, called the USDA Guaranteed Rural Housing Loan Program. This is a government home loan program that may be used for eligible areas with population under 25,000 and away from a metropolitan area. For the Jackson County area of the Rogue Valley, this means eligible areas could be Ashland, Talent, Phoenix, Ruch and Jacksonville to the South of Medford/Central Point, or White City, Eagle Point, Shady Cove, … (3 comments)
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jacksonville: 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 end.
The relationship is a "Preferred Partner" relationship with a lender who will remain nameless. For YEARS, I've been telling fellow originators how wonderfully consistent this lender has been. How not only is their pricing consistently competitive, but a human answers the phone and you can actually run complex transactions … (12 comments)
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jacksonville: 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 and made a difference for a young Rogue Valley family. But the glimmer that I'm seeing today is really more of a steady shine. This comes from an appraiser I've had the pleasure of working with on several FHA and USDA Guaranteed Rural Housing loans I've done lately.
All us industry … (3 comments)
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jacksonville: 2009 Jacksonville Oregon Children’s Festival Is Coming Soon! - 06/29/09 06:50 PM
It's that time again, time for the outdoor thermostat to creep up over the 90 degree mark, time for the roses, daisies and lavender to give their prolific displays, and time for the Children's Festival in Jacksonville Oregon on the grounds of the Britt Festival.
Children's Festival, July 12-14, 2009, Jacksonville, Oregon Britt Festival Grounds, $2.00 entry fee per person.
Sunday July 12th - Session #1: 5:30-8:30pm Monday July 13th - Session #2: 9am until noon Session #3: 6:00-8:30pm Tuesday July 14th - Session #4: 9am until noon
See … (2 comments)
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jacksonville: USDA Income Limits Higher Starting April 20, 2009! - 04/17/09 01:32 PM
Here in Southern Oregon, we have a lot of rural property areas that are eligible forthe USDA Guaranteed Rural Housing program. This is a great No Down Payment required program that instead of paying expensive mortgage insurance premiums like the Conventional Fannie Mae and Freddie Mac or the FHA program has, there is a one time "guarantee fee" which may be financed. Whenever I sit down with a buyer to compare programs they are eligible for, the USDA Guaranteed Rural Housing Program wins hands down every time with lower overall cash out of pocket and annual percentage rate! The caveat is (you … (2 comments)
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jacksonville: Going, Going, Gone Soon - Oregon Bond Loan Funds Almost Depleted - 03/05/09 11:51 PM
Notice has gone out that based on current demand levels, the Oregon Bond Loan will likely be out of funds sometime in April 2009. Due to the upheaval in the bond market, there is no set time frame for when this program will be re-funded, as the sale of the mortgage revenue bonds that provide this funding have not been doing any better than the sale of bonds funding "market rate" mortgages. So, although first time home buyers in Oreogon received a blessing with the $8,000 tax credit, a tool is being taken away from our chest right behind it.
There … (0 comments)
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jacksonville: Oregon Realtors®, Did Your USDA Lender Pull The Plug On Your Buyer’s Loan? - 01/29/09 11:12 AM
Are you an Oregon Real Estate Broker whose buyer's financing has been affected by recent notifications that funding has been depleted for the 2009 allocation for the USDA Guaranteed Rural Housing program? Did you know that although many banks are just not funding these loans and waiting until funding is reallocated by Congress, there are still lenders who are continuing to just fund and close these loans without delay? They understand that this happens regularly, and funding will be reallocated eventually and they just keep closing these loans, doing business as usual.
Don't delay the closing of your escrow unnecessarily! You … (0 comments)
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jacksonville: Oregon Home Buyers, Did You Know There Is STILL 100% Financing Available? - 01/29/09 11:00 AM
Are you an Oregon home buyer thinking that you need to come up with a large down payment in order to purchase a home? You pay your bills on time, have a little bit of savings set aside, feel pretty secure in your job and are tired of renting? You are looking at the amazing prices available on homes in Southern Oregon, and are beginning to realize you just might be able to own a home for what you are paying in rent?
Have you heard of the USDA Guaranteed Rural Housing program? Here are some of its key features:
102% … (0 comments)
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jacksonville: Need A Higher Loan Amount Than 2009 Conforming Loan Limit for Southern Oregon Allows? - 12/23/08 06:02 PM
For a while in 2008, high dollar home purchasers and homeowners in Southern Oregon had a window of opportunity to get reasonable pricing if the loan amount they wanted was higher than $417,000, placing them in the "non-conforming Jumbo" loan category.
Party's over folks. We're back to $417,000 as the maximum conforming loan limit for our area. The Agency High Balance Loan Limits will not be available to us here in Jackson and Josephine County like they are in high cost areas of California and other states that may go as high as $625,500 for a single family residence.
But, good … (1 comments)
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jacksonville: Plan B for Rogue Valley Sellers – Do A Lease With Option To Purchase? (Part 5 of 5) - 11/18/08 04:37 PM
Have you come across a potential buyer for your home that for one reason or another isn't able to qualify to purchase your home at this time? Maybe they have experienced a severe financial crisis, like a bankruptcy/medical devastation/job loss/foreclosure, making them unable to obtain the financing they need to purchase your home, even though they have recovered from the event that led to their credit crises. You don't need the equity from this home to purchase your next one, and you like the idea of having a tenant in the home committed to purchasing it down the road.
Pros:
You … (2 comments)
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jacksonville: 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 with the proceeds from the sale of a currently owned home, but the currently owned home will not close escrow until after the close of the new residence. A bridge loan allows the buyer to take equity out of their current home and use it as down payment on the … (0 comments)
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jacksonville: 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 great interest rate while you make your move, and now are weighing the options associated with pulling that equity out to purchase your new home by refinancing or taking out a home equity line of credit, while continuing to market your current home for sale.
Pros:
You do not need … (2 comments)
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jacksonville: 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 as though the interior designer was inside your head, a view to die for?
You put your home on the market, but the buyers just aren't getting off the fence to buy your home. Your home is always presented in its best light for when its buyer walks through the … (0 comments)
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jacksonville: Can Ashland Oregon Buyers Still Get 100% Financing in October 2008? - 10/18/08 03:00 PM
Can a home buyer looking to purchase a home in Ashland Oregon still find 100% financing? You bet! The variety of program options we have had available to us in the past are not as prevalent, but there are options available, such as the Federal VA home loan program for eligible Veterans and the USDA Guaranteed Rural Housing program.
Let's take a look at how a buyer looking to purchase a home in Ashland Oregon who meets the current income criteria shown below may successfully become a homeowner using the USDA Guaranteed Rural Housing program, using this 30 year fixed rate loan … (2 comments)
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jacksonville: Round Two for Oregon Big Look Task Force Meeting in Medford Oregon on October 20, 2008 - 10/13/08 07:56 PM
With the overwhelming attendance the Oregon Big Look Task Force found here in Medford Oregon, they have rescheduled a second meeting for those of us who were unable to fit in to their previous meeting room. If you would like to go to the second meeting to share your thoughts and position for the review of Oregon's Land Use Plan, here is the information for the second meeting:
The Oregon Task Force on Land Use Planning (aka, "the Big Look") will hold a second meeting in Medford next Monday, October 20th.
Location: South Medford High School, Auditorium
(815 South Oakdale Avenue, Medford, … (0 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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