oregon: 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 … (2 comments)
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oregon: The Ultimate Bad Day – The Day I Learned I May Lose Our Home - 05/27/11 11:47 PM
Today was a bad day. A day generating results I really did not expect to have to face. Yeah, I know…”get over it Karen – we ALL have bad days”. I also know that there are many, MANY people out there facing the loss of their home due to circumstances … (11 comments)
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oregon: Have You Been To Sunrise Café and Catering in Downtown Medford Oregon? - 03/06/11 12:12 AM
We finally made it to the Sunrise Café & Catering at 130 E. Main Street in Downtown Medford tonight, getting to this popular lunchtime destination – but for dinner. This family owned business run by brother and sister, Ed Chun and Carol Hendricks was worth the wait. Having experienced the … (3 comments)
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oregon: Consumer Action in Lieu of Property Disclosure Statement of Bank Owned Property? - 01/23/11 09:13 AM
What would happen do you think if homeowners who have encountered financial difficulties that they are unable to resolve with their bank and its investors did their own Property Disclosure Statement and notified their bank/investors, surrounding neighbors, banks’ listing agents and State Real Estate Agency when the property reverts to the … (7 comments)
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oregon: Working to Stem the Tide of Foreclosures - Thanks, Senator Merkley! - 01/21/11 12:18 AM
Obviously, this message is close to my heart. I see the people affected by this crisis every day, and not just at my job. I see them at the grocery store, in church, at the park...their kids go to school with mine. Who doesn't know a homeowner that has been affected … (8 comments)
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oregon: Time is Running Out to Apply for Oregon's Mortgage Payment Assistance Program - 01/08/11 12:34 PM
Oregon was one of the states awarded money to help its communitites suffering from high foreclosure and unemployment rates. One of the programs Oregon designed was to help eligible families pay their mortgage payments - up to $20,000 or 12 months, whichever is less. Jackson County Oregon was given 276 slots … (2 comments)
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oregon: When a Neighbor Crosses the Threshold from Bad to Dangerous – Part 2 of 2 - 10/29/10 02:32 PM
We went up to introduce ourselves a few months ago to new neighbors on the street behind ours when we heard sounds of a backhoe running in our hillside neighborhood. This property had an additional dwelling unit built on it a while back, which we didn’t think too much about – … (9 comments)
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oregon: When a Neighbor Crosses the Threshold from Bad to Dangerous – Part 1 of 2 - 10/29/10 02:19 PM
The real estate market in Southern Oregon has a high percentage of foreclosure homes working their way through the inventory. One of those bank owned homes sold earlier this year on the street behind ours. We were sad to hear another local contractor had lost their home in this bad economy … (6 comments)
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oregon: 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 … (4 comments)
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oregon: Requesting Loan Modification or Forbearance for Financial Hardship | Tips from a Housing Counselor - 09/24/10 02:14 PM
So, you have lost your job or have seen your income reduced. You’ve taken a look at your budget, and you know that as hard as you have worked to cut “non-essentials” from your expenses, there just isn’t enough money to cover your basic living expenses AND your mortgage. Maybe … (7 comments)
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oregon: Can You Afford to Keep Your Home? | Tips from a Housing Counselor - 09/22/10 06:26 PM
Next to the ultimate F word in real estate, Foreclosure, the B word probably sounds almost as bad to many people. The Budget…that first step required in determining what options are available if your find yourself experiencing financial distress. As housing counselors, it is something we focus on in detail to … (6 comments)
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oregon: 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 … (3 comments)
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oregon: Who Needs To Win The Lottery To Get A Down Payment? - 07/24/10 07:11 PM
With today’s first time home buyers needing to come up with more cash at closing, you may be thinking the only way you are going to have the American Dream and own your own home is if you win the Lottery. If you are like roughly 50% of the folks in … (5 comments)
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oregon: 15 yr vs 30 yr mortgage - 07/23/10 01:55 AM
With all the focus on declining equity we are seeing in many housing markets, it brings up the focus on considering a shorter term mortgage than homeowners typically choose. In my 27 years, a LOT of my clients have chosen the 15 year mortgage, often times through refinancing. They may … (9 comments)
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oregon: Have You Been To Pomodori Ristaurante in Medford Oregon? - 07/21/10 01:08 AM
Mamma Mia, what a meal we had tonight at Pomodori Ristaurante in Medford Oregon! If you haven’t been to this wonderfully fresh and invitingly unique Italian restaurant right here in our little corner of the world, you are so missing out.
We started off with the Caesar Salad that has … (2 comments)
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oregon: Interest Rates: Make Hay While The Sun Shines! - 07/21/10 12:27 AM
Here is Mike Jones in Tucson highlighting some critical points our interest rate/bond markets are facing. I'm out there making hay right with you, Mike!
Via Mike Jones (SUNSTREET MORTGAGE, LLC):
Pretty, isn't it? It won't last.
The same is true with the extraordinarily low interest rates available … (0 comments)
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oregon: Speechless Sunday - A Lovely Bride's Veil - 06/06/10 12:17 AM
With "the family homestead" not far from here, I have been able to see Yosemite National Park many different times over the years. Seeing the falls with the Spring snow melts was pretty awesome. I just need to cover the Winter season on the next visit and I'll have seen … (14 comments)
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oregon: Headed to Phoenix AZ| Looking Forward to Exploring This Corner of Our World - 04/30/10 06:41 PM
One of the many hats I wear is as a housing counselor for a HUD certified housing counseling agency. These days, most of us housing counselors find ourselves focused not only on first time home buyers seeking homebuyer education from a HUD approved non-profit entity, but even more so on existing … (3 comments)
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oregon: Today’s D-Day| Did You Make The $8,000 Tax Credit Deadline? - 04/30/10 06:26 PM
Seems to have snuck right up on us, didn’t it? Here it is D-Day – the day first time home buyers wishing to take advantage of the $8,000 first time home buyer tax credit have to have accepted offers communicated to them. At least interest rates are still really good for … (1 comments)
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oregon: It Ain't Over 'Til ... Tales of the $8,000 First Time Buyer Tax Credit 3 - 04/18/10 12:00 AM
Is the game up as far the $8,000 tax credit goes if an eligible first time home buyer isn't under contract on a home by April 30th and escrow closed by June 30th? Not if they are an eligible US servicemember like the many Southern Oregon Guardsmen and active military personnel … (6 comments)
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