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real estate financing: When Is It Time To Refinance? – Common Obstacles In Today’s Lending Environment (Part 6 of 6) - 01/01/09 04:54 PM
It is hard for me to believe the percentage of people who have inquired about a home loan with me I have had to tell I couldn't help due to one reason or another. In 25 years in this business, I've never seen so many! Here are some of the most common reasons for the people I've talked with:
Estimated Market Value determined by an appraisal is insufficient to support the loan amount you wanted to borrow. Need Stated Income program due to self-employment, but these programs are no longer available. Declining Market Value Area determination restricts your loan amount by … (0 comments)
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real estate financing: The Sun Is Shining, Rates Are Low…Does It Get Any Better Than This? - 12/05/08 03:04 PM
Here in Southern Oregon, we've had a stream of foggy days of late. The gloom kind of suited my mood, though. But T.G.I.F.!
The fog is breaking and the sun is shining...
Interest rates have been falling...
And I'm thrilled to be helping clients save tens of thousands of dollars on their mortgage interest.
Does it get any better than this? I love my "job"!
See you at the closing table!
Karen Cooper - OR/CA Mortgage Consultant - www.Quality4Loans.com
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real estate financing: Southern Oregon Realtors - Do Your Buyers Need a Zero Down Home Loan? - 11/14/08 01:11 PM
Southern Oregon Realtors working with residential home buyers, have your clients been considering a great financing tool? USDA Guaranteed Rural Housing is a program that has been underutilized, partly due to restrictive income guidelines that will likely change on January 20, 2009, barring any major objections received during the comment period that will expire January 5, 2009. The proposed income guidelines would mean up to 4 person households may qualify with gross annual income up to $70,750, and up to 8 person households with up to $93,400 based on the current Jackson County Oregon income limits.
Here are some key features … (2 comments)
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real estate financing: Is Your Congressperson Working For YOU On H.R. 3915? - 11/28/07 10:02 AM
I must say, I am very impressed with our Congressman, Greg Walden. One of the promises I made to myself when moving to Southern Oregon was to take the extra time I now found I had on my hands after sticking to one business, the real estate finance business, and get more involved in the community of our new home/businesses. I read our daily newspapers, the Mail Tribune/Ashland Tidings, make a concerted effort to attend community meetings, read the results of our elected officials' votes on State and Federal Bills, and write letters to my Congresspersons and Senators so they hear from their … (8 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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