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quality4loans: Change is GOOD! And Change is Here for This Oregon/California Mortgage Consultant - 03/31/09 04:20 PM
With the many changes in the mortgage industry over the past 18 months, I have been pondering the necessary adjustments needed to stay up-to-date with the many underwriting and program guidelines a loan professional needs to be aware of to effectively serve their clients. I have been exploring working for national and community banks, obtaining FHA approval for my mortgage company, becoming an affiliate branch for a mortgage banker, or just simplifying things in my work life and becoming a loan officer for someone else's company while letting someone else deal with the nuts and bolts of operating a mortgage company … (2 comments)
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quality4loans: Speechless Sunday - Most Northwestern Point of the Lower 48, Cape Flattery - 03/29/09 06:41 PM
Karen Cooper - Mortgage Consultant - www.Quality4Loans.com Providing high Quality, Professional, Ethical service to Oregon and California home buyers and owners since 1983. Whether you are taking out your first home loan or your fiftieth, for your home, your second home or for investment, put my knowledge and expertise to work for you.
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quality4loans: Ready Set GO! Making Home Affordable Programs Readying for April 4th Release - 03/19/09 10:14 AM
We've been hearing a lot about the Making Home Affordable initiatives, and have been anticipating the release of all the details for the Refinance and Modification programs. The website is up and running today, so many of our answers should be provided. If you are struggling on making your payments, whether you've fallen behind on your mortgage or not, go to www.makinghomeaffordable.gov and see if these programs might be the options you need.
If you already applied for a refinance or modification and were turned down by your lender, TRY AGAIN! I have a list of clients who have contacted me … (2 comments)
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quality4loans: Where Do We Go From Here If We Can’t Buy A Home Now? - 03/19/09 12:00 AM
As exciting as it has been to see so many first time home buyers join the ranks of those who have come before them to fulfill their American Dream of Homeownership, sometimes buying a home is not necessarily the right move. Does this mean renters are second class citizens?...Losers vs. winners?...Less smart than homeowners are? Of course not!
When should someone consider renting instead of buying?
When job security is in question because hours are being cut back or layoffs are taking place at your company When your savings has less than 3-4 months in reserves in the … (6 comments)
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quality4loans: 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 to the drawing board again."
"I thought this loan process was going to be so hard, but I can't believe how smooth it has gone. I didn't expect to be approved for my loan this easily, or for this much."
"We're still waiting to hear back from the seller on … (0 comments)
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quality4loans: Oregon Bond Loans Temporarily on Hold in 2009 Until Further Funding Is Acquired - 03/18/09 01:08 PM
We've been receiving warnings that the Oregon Bond Loan funds were running out, with insufficient interest by investors to purchase the bonds that fund this program. The time has come - funds are gone! Until more bonds have been sold to re-fund the Oregon Bond Loan, first time home buyers in Oregon will not have this tool available to them. This only effects those buyers who have not already reserved their Oregon Bond Loan funds.
In the meantime, there are still some great "market rate" programs available, like the USDA Guaranteed Rural Housing program for buyers with no down payment looking … (10 comments)
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quality4loans: Spring is Here, But Is The Bottom Here For the Real Estate Market In Southern Oregon? - 03/16/09 06:03 PM
Looking outside on this rainy, winter day here in Ashland, Oregon, you wouldn't think that spring is so close. But, one of our first signs of spring here in the Rogue Valley are the daffodils. Not only is spring right around the corner, but it seems that the buyers here in Southern Oregon are not waiting for spring to get out there a buy a home!
I am working with four first time home buyers who have all been diligent about getting fully credit approved for their financing, and have hit the streets with their agents trying to find a home. … (2 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! ,
Ashland, OR (97520) Current Weather
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