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modification: Oregon Homeowners Exercise Your Rights Under Senate Bill 628! - 05/20/11 12:48 AM
I have almost 100 active cases in my role as housing counselor for homeowners seeking help with their financial hardship. Many of these cases are for Southern Oregon homeowners wanting to keep their home. Homeowners who have taken the time to investigate the options available to them, and homeowners who need help figuring out what their options are. Many of these homeowners applied for modification of their home loan. When I review the documentation we collect to verify their financial hardship, I see that many of these homeowners appear to be pretty darn good candidates for the mortgage modifications they are … (1 comments)

modification: Fannie Mae and Freddie Mac Imminent Default Guidelines for Home Affordable Modification Program - 04/07/10 11:08 PM
In a recent webinar on the “Imminent Default” category for homeowners seeking help through The Obama Plans – the Making Home Affordable Programs aka Home Affordable Modification Program – I was pleased to learn the process for homeowners who have not yet defaulted on their home loan that are seeking assistance through loan modification in order to remain in their home will have some more straightforward guidelines established for their servicers to follow. For example, previously a homeowner who had not yet defaulted on their mortgage could not have more than 3 months PITI in reserves, but now they can have … (4 comments)

modification: HOPE Arriving For Struggling Southern Oregon Homeowners - 10/16/09 08:03 AM
Are you, or is anyone you know, struggling to find a way to stay in your/their home here in Southern Oregon? HOPE is arriving for struggling Southern Oregon homeowners who may have been attempting to refinance under the Home Affordable Refinance Program only to find out they needed to be under the Home Affordable Modification Program because they did not qualify.
 
Bank of America, Wells Fargo and Chase will all be here in Medford Oregon to talk to homeowners who have existing loans with these three banks and may have been caught in phone system hell trying to work their … (6 comments)

modification: Note To President Obama/Senate Banking Committee – It appears Not Everyone Is Onboard With The Home Affordable Programs - 05/08/09 05:15 PM
Here it is a month after the Home Affordable Programs got up and running. Well, more like a week, since many lenders did not come out with the pricing on the Fannie Mae DU Refi Plus until within the past couple of weeks, and only a few are coming out with the Freddie Mac Relief Refinance pricing.
Here are some discoveries/experiences I've encountered.
On Home Affordable Refinance:
 
Private Mortgage Insurance Companiesare restricting the transfer of their mortgage insurance policies to the existing lender/servicer only, eliminating the homeowners' opportunity to shop for their pricing and eliminating competition.
 
Banks/Mortgage companies holding … (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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