medford: Can I Refinance Even If My Home Value Has Dropped? - 11/24/09 12:55 PM
Many people hear about the extraordinarily low interest rates available on home loans today. At the same time, they hear about the backlog of bank owned foreclosure homes depressing home values. Not a good combination if you want to refinance your home, but there ARE alternatives available even if you have … (2 comments)
medford: Investors, Isn’t It Nice To Have Rental Property With Positive Cash Flows? - 11/23/09 06:15 PM
Although some homeowners looking to refinance or sell right now may not like what the volume of distress sale property sales are doing to local real estate values, Investors purchasing homes that run a positive cash flow probably aren’t complaining very much. Here in the Rogue Valley, up until this year … (1 comments)
medford: Going…Going…Gone? How Long Will These Low Home Loan Interest Rates Hang Around? - 11/23/09 12:44 PM
This week, I’m locking in interest rates lower than I’ve ever seen before, lower than I’ve even gotten for my own personal home loans on a wholesale basis. I really did not expect to see 15 year conforming fixed rates back at the 4.25% I locked my own interest rate at … (5 comments)
Via Nestor & Katerina Gasset Realtors® Wellington Florida Luxury Homes (International Properties and Investments, Inc.): Thanks to Xerox sending out a Thank You card to … (0 comments)
medford: 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)
Yes, we all read in the MLS sheet the … (2 comments)
medford: 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)
medford: Almost Speechless Sunday - Transitions... - 11/16/09 08:37 AM
From the roses in full bloom to the winter berries... from the still turning autumn leaves to the bare branches of winter. There is no doubt that fall has arrived here in Southern Oregon. And Winter isn't far behind...
See you out there...even if I am all bundled up! … (9 comments)
medford: 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)
medford: 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)
medford: "How To Get Rich In This Market" - 11/06/09 06:05 PM
I’m thanking God it is Friday. This week has so drained my energy. I’m looking forward to it being revitalized by family, friends and church this weekend. I will not be taking any business related calls this weekend, because I desperately need to recharge. Have you ever felt like that?
… (5 comments)
medford: 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)
medford: Thanks, Neighbor and Thanks, Bank of America/Countrywide/Fannie Mae/Freddie Mac – NOT! - 11/03/09 03:47 PM
There are some great Realtors here in Southern Oregon, dedicated to their profession and their clients. One of them, our 2010 Rogue Valley Association of Realtors President, Krista Bolf, knows where I live and lets me know what sales are happening in the neighborhoods where we own property. Yesterday, Krista Bolf … (0 comments)
medford: That Was Then…This Is Now 2007-2009 - 11/02/09 11:48 AM
Having been in the mortgage industry for so long, having seen a great many changes since 1983, recent changes seem different from earlier changes in one big way. The period between 2007 and 2009 doesn’t really seem like a long period of time in the big picture, but these changes are … (4 comments)
medford: A Sunday Drive in Southern Oregon (3 of 3) - 11/01/09 11:09 PM
After we have finished exploring Sunny Valley and the ghost town of Golden Oregon with the hydraulic mining sights across the road, we head to Historic Wolf Creek Inn to have dinner. In spite of the Rogue Valley population being well over 200,000 people now, we manage to bump in to … (10 comments)
medford: A Sunday Drive in Southern Oregon (2 of 3) - 11/01/09 10:40 PM
On this first day of November 2009, we continue our Sunday drive on this glorious day, leaving Sunny Valley, and heading north to go to Golden, Oregon. This historic town was settled by early Gold Miners, most of whom moved on to other areas for their treasure hunt. The State of … (8 comments)
medford: A Sunday Drive in Southern Oregon (1 of 3) - 11/01/09 10:27 PM
There are so many wonderful places to visit here in Southern Oregon. Today, my family and I piled in to the car and headed North from Medford Oregon to spend some time discovering places and some ground we've passed through many times along the I-5 corridor.
First stop, was the Grave … (3 comments)
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Many people hear about the extraordinarily low interest rates available on home loans today. At the same time, they hear about the backlog of bank owned foreclosure homes depressing home values. Not a good combination if you want to refinance your home, but there ARE alternatives available even if you have … (2 comments)
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