Real estate blog entries tagged with phoenix by American Pacific Mortgage- Karen Cooper, Oregon & California

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phoenix: Home Comfort Hearth of Grants Pass & Phoenix Oregon Is Great! - 10/25/09 07:40 PM

We’ve been investigating replacing our fireplace insert since before the City of Medford Oregon where we live passed an ordinance making it a requirement that fireplace inserts like the one that came with the house we bought in the East Medford Hills in 2004 need to be removed upon sale … (4 comments)

phoenix: 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 … (2 comments)

phoenix: 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 … (0 comments)

phoenix: 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 … (0 comments)

phoenix: Current Foreclosures for Sale in Jackson County Oregon - 09/16/09 10:34 AM

As a mortgage banker | broker here in Southern Oregon, I was happy to see Adam Bogle of Coldwell Banker ProWest in Ashland Oregon has posted some "hopeful" news with the number of available foreclosure homes on the market here in Jackson County Oregon. I'm working with several buyers who … (4 comments)

phoenix: How to Buy A Home In The Rogue Valley Oregon | If You Are A Self-Employed Borrower - 08/17/09 09:56 PM

Remember the days of the “Stated Income” loan? They weren’t that long ago, having fizzled away and disappeared in to the fog of “alternative lending” programs that are no longer with us. While many alternative and subprime mortgage products needed to disappear in order to bring the realm of real estate … (11 comments)

phoenix: 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 … (3 comments)

phoenix: 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 … (12 comments)

phoenix: 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 … (3 comments)

phoenix: Southern Oregon First Time Home Buyers and the $8000 Tax Credit - 06/10/09 04:03 PM

Back and forth, back and forth goes HUD and the negotiations with participating FHA lenders on the monetization of the $8,000 tax credit approved in 2009. The latest (May 29th) word is that the FHA guidelines have been changed in order to make these funds available at closing to first time … (2 comments)

phoenix: 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, … (2 comments)

phoenix: Change is GOOD – And USDA Guaranteed Rural Housing Income Guidelines are Changing Effective April 20, 2009 - 04/08/09 09:27 AM

Here it is, the change we've all been waiting for! Alas, funding has been allocated to the USDA Guaranteed Rural Housing Program AND the proposed income guideline changes will be taking effect. USDA Rural Development confirmed the proposed change in income limit structure for the USDA Guaranteed Rural Housing Program will … (0 comments)

phoenix: For Sale By Owner Looking for Help? Or, Just Free Advise and Expertise… - 04/06/09 05:13 PM

I received a call today, and wondered how other mortgage professionals - and for that matter, real estate brokers - would approach a request such as this:
"My name is XXXXXX, and I am getting ready to sell my home For Sale By Owner. I found information you had published on … (7 comments)

phoenix: Who Says The Southern Oregon Real Estate Market Is Slow?!?! Buyers are Springing Forward Here! - 03/18/09 07:03 PM

There are many reports out there about how slow some real estate markets are, but it sure doesn't seem that way here in Southern Oregon! Some of the things I'm hearing from buyers this week are:
"Darn - there ended up being 4 offers on the home I wanted. We're back … (0 comments)

phoenix: Southern Oregon Social Networking Addicts – Want To Meet Your Peers? - 03/10/09 03:28 PM

Here in Southern Oregon, social networking is taking hold. From Active Rain to Facebook to Twitter, more and more people are discovering the benefits and enjoyment to be found in social networking. What about the personal contact, though? I'm hearing about peer groups meeting around the US to keep the personal … (0 comments)

phoenix: 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 … (0 comments)

phoenix: Oregon Vets Who Want To Refinance Look To Programs Other Than Oregon Vet Loan - 02/17/09 04:19 PM

I receive calls periodically, and was contacted again recently by an Oregon Veteranlooking to use the Oregon Veteran Home Loan program to refinance their home in Southern Oregon. There are a lot of misconceptions about this program, and these folks were recently misinformed. The Oregon Veteran Home loan, like the USDA … (3 comments)

phoenix: 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 … (0 comments)

phoenix: 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 … (0 comments)

phoenix: 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 … (2 comments)

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