phoenix: Sometimes It’s a GOOD Thing To Be In The Bottom Five - 06/30/08 07:20 PM
So often we focus on being in the "Top 5...This" or the  "Top 10...That". Well, although I have some what of a competitive nature, I was thrilled to read in an article in our local newspaper, the Mail Tribune, that I live and work in a "Bottom Five State". That would be … (3 comments)

phoenix: "Can I Still Get A Stated Income Loan in Oregon"? Alive and Still Kicking…But, Barely - 06/27/08 12:21 PM
This week I realized that amongst my many other reasons to be grateful, reasons like on my last trip to California I loaded up on rice and coffee beans at Trader Joe's before prices shot up, I should be grateful that the majority of loan applications/inquiries I've had lately have been … (3 comments)

phoenix: Southern Oregon Home Buyers! Can We Talk? BEFORE You Spend George W’s Tax Rebate? - 05/16/08 01:11 PM

 
Calling all Jackson County Oregon First Time Home Buyers who have a tax rebate on its way. What are you going to do with it? Take a vacation? Go on a mad spending spree? Or, leverage it in to becoming part of your retirement fund while providing your family the … (3 comments)

phoenix: California “50 Somethings” Ready to Begin Their Steps to Retire? - 05/15/08 12:59 PM
I've been checking in with some of my Southern California clients since I learned one of the latest banks to begin freezing home equity lines of credit, National City, had pulled the plug on homeowners who are seeing declining values in their market areas.  Some common threads have been emerging in … (2 comments)

phoenix: Oregon Vet State Home Loan Program Affected By Recent MI Company Changes - 04/25/08 09:52 AM
Our Oregon State Veterans' Home Loan Program has been affected by the recent changes the mortgage insurance companies have made, the same as the recent changes made to the Oregon Bond Loan.
 
Unlike the Federal VA home loan program, the Oregon program is underwritten to Fannie Mae guidelines, and loans greater … (0 comments)

phoenix: Rotary Club of Ashland Speaker Discusses Oregon Economy - 03/14/08 02:27 PM
At this Thursday's Rotary Club of Ashland Meeting, guest speakerDr. Tom Potiowsky, the Oregon State Economist, spoke about the effects the national economy will have on the Oregon economy. Dr. Potiowsky emphasized the affect the housing market has had on the wood products and construction industry, and although Oregon's economy will be … (3 comments)

phoenix: Oregon Veterans Home Loan Now at 5.50%/5.375% - 03/13/08 08:23 PM
Like the Oregon Bond Loan's RateAdvantage and CashAdvantage programs, the Oregon Department of Veterans' Affairs will be increasing their available interest rates for new applications effective Friday, March 14, 2008. Their new 15-to-30-year fixed-rate/loan fee options will be:
* 5.375% with a 1.5% loan origination fee, or,
* 5.5% with a 1.% loan … (0 comments)

phoenix: How Low Can It Go? How About 4.875% For An Oregon Vet 15 to 30 Year Fixed Rate Loan? - 02/05/08 09:28 PM
Interest rates have been hovering at historic lows for quite a while. It has been several years since I've seen the 30 year fixed rates dip below 5%, though. For qualifying Oregon Vets choosing the Oregon Vet Loan, the Oregon Department of Veterans Affairs says 5% just isn't low enough!
Effective February … (4 comments)

phoenix: Southern Oregon – More Than a Vacationer’s Paradise - 01/30/08 11:38 PM
As you might be able to tell by some of my Localism posts about the many wonderful places to see and experience, I think that Southern Oregon is not only a wonderful place to visit, but an amazing place to live.
                                                  
When my family decided to make the move to … (9 comments)

phoenix: Declining Market Designation? Maybe, Maybe Not For the Rogue Valley in Southern Oregon! - 01/13/08 10:54 PM
In December 2007, Fannie Mae instituted a requirement that maximum loan-to-value ratios be reduced for loans they make on properties deemed to be in a declining market area, either by the appraiser or by secondary verification sources such as Moody's/Case-Shiller House Price Index.
Depending on which list you look at, cities in … (7 comments)

phoenix: Is It Time To Refinance That Re-Setting Adjustable? - 12/14/07 04:06 PM
So, Jackson County Oregon Homeowners, is it time to refinance?
Are you an Ashland - Talent - Phoenix - Medford - Jacksonville - Central Point - Eagle Point - Ruch, Oregon homeowner who took out an Option ARM? Have you called your CPA for the 3rd time to confirm you made … (0 comments)

 
Mortgage Company: Karen Cooper - Quality Home Loans, Inc.
Karen Cooper - Mortgage Consultant OR/CA
Ashland, OR
More about me…
Karen Cooper - Quality Home Loans, Inc.

Office Phone: (541) 608-6003
Cell Phone: (541) 601-4303
Email Me
25 years experience providing Quality Home Loans to Southern Oregon and California| Assisting First Time Home Buyers in need of Down Payment Assistance in Oregon| Specializing in Oregon Bond Loan| Oregon VA Loans| 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 and Northern California communities in Siskiyou County| Helping Southern Oregonians and Californians on the road to fulfilling the American Dream of Homeownership

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