How wonderful it is to find that even after 24 years, I still love my job as an Oregon / California Mortgage Broker!  Sure it is a challenging time in the mortgage industry, but being a Mortgage Consultant that recommended the products we are hearing about so voraciously in the news today only five times in my career for very specific circumstances, having these loan programs dry up does little to affect the way I do business.  Having a more conservative approach, I understand that real estate is a long-term investment for most. I am proud to be working with my clients currently benefitting from the many buying opportunities in today's market.  For the vast amount of people able to work within the agency guidelines, including those with reasonable exceptions related to self-employment, no down payment or credit challenges, I am glad to come alongside and work with you to take advantage of interest rates still at historically low levels.  For those of you finding yourselves facing payment increases due to the loan you currently have, there are solutions for many of you.  Call on me, and I'll share the Quality difference with you. www.Quality4Loans.com

I still ask myself, is it more the wonderful Quality of life the Rogue Valley has to offer, or the incredible challenge offered to me to be a part of finding a solution to the affordable housing crisis that brought me to Southern Oregon in 2004? Having had the opportunity to hone my skills in the high-cost Southern California markets working with first-time home buyers in need of down payment assistance, tax credits and special loan programs designed to give them a leg-up in to becoming homeowners, what better place to put that knowledge to work, while enjoying the wonderful mountains, rivers and lakes during family time? Of course, I enjoy working with my many repeat and referral clients who started out using these programs, then came back to me when the time came to move up, expand their homes and businesses, send their kids off to college, expand their real estate holdings to include investment property, or obtain a line of credit to have the piece of mind that can come with being able to access their equity if needed. It has been like losing a family member when some relocated to states I am not licensed in, having been a part of your weddings, graduations, births of children and even a few funerals.  I believe that Quality Service means service for life.

"As a Realtor since 1994 in Oregon, I have worked with dozens of lenders. Most were pretty good, but Karen is the most efficient and on-top-of-things lender I have worked with. Before I can even think of a questions, concern, or "to-do", she has already started it, thought it, or better yet- just done it! I can stop thinking about lending and just think of doing my job- selling real estate."

"Thanks for helping us sort through the tremendous challenges we encountered while buying our first house. Your knowledge while going through this process was invaluable. We couldn't have done it without you. From start to finish, you handled all the paperwork and walked us through what we needed to do step by step. The process of getting a loan in these complicated times is made simple by you. Thanks again." - Todd & Teresa Sankey

"It is hard to believe we have been doing business together since 2001. I love meeting your clients as their document signer. They have been fully informed of the details of their loan before I get there. I never encounter the "unpleasant surprise situations". The one thing that impresses me most is how highly your clients speak of you, your integrity, your caring as their loan officer. They tell me that you take what can be a very trying experience and turn it into something very positive. I guess that is reflected by the fact that almost all of your clients seem to be repeat or referrals from other clients. Your clients truly believe that you are working hard to get them the best deal in real estate financing that meets their financial goals." ~ David Bonner - Relevance, Mobile Notary Signing Service

"Karen Cooper is what people mean when they say ' right place at the right time'. When my Wife and I were first starting out and looking to purchase our first home, Karen was introduced to us through a mutual friend. Karen understood our desire and goals from day one, and guided us through the myriad of paperwork and questions to come. Everything, and I mean everything, that she said would happen did. She explained everything to us, from start to finish. She was always on point by following up without us asking, and making sure we were always comfortable with what was going on. On the strength of that one transaction Karen became our only choice for our home purchasing/financing needs (the sale of that first home, purchase and sale of our second house, all financing needs in between). My only wish is that I could have taken her to Texas with me. After being spoiled, I truly appreciate all she did for us. Karen is the absolute best!" - Michael Guzman 940-206-3875

"Put away your Suze Orman and Donald Trump books, Karen Cooper is the expert you want. Throughout many years of home purchases, re-financing and just plain financial advice, Karen has been incredibly knowledgable, helpful and above all trustworthy! We've never been faced with pre-payment penalties or hidden costs and we always get the best rates possible. No sub-prime problems here. We love Karen! ~ Darlene & Bob Johnson, Northridge, CA

Karen - I want to say I wouldn't consider getting a loan with anyone else. I've used you several times and each time you were invaluable. You held our hand from beginning to end and were always there for us with perfect advise, even on issues that you were not directly involved with. You've worked with several of my collegues at GE, who all were equally satisfied with your service, and you continually earn my referrals. ~ Len Greenberg

"I have worked with Karen Cooper for many years. Not only has Karen helped me purchase two homes, but she has also helped me refinance several times. I would, and do, recommend Karen every chance I get. She is very customer conscious and has never encouraged me to make a financial decision that would be irresponsible. Since working with Karen for over six years, I have come to think of her as not only a trust worthy person, but a great friend as well. She is a very solid real estate/finance advisor." - Jennifer Moran

"My husband and I have been clients of Quality Home Loans, Inc. since 1999.  We have purchased three homes and had one re-finance under the direction and guidance of mortgage consultant Karen Cooper.  

Karen is well versed in the various loan programs available.  Her knowledge is exemplar in every aspect of the home ownership process.  She gives personal guidance from start to finish and has earned our trust without a doubt.  Karen's effectiveness stems in part to her reliability.  She is readily reachable and returns telephone calls in a timely manner.  In addition, Karen has always been honest with regard to our finances and our ability in determining what would best suit our needs.

We have unwavering trust in Quality Home Loans, Inc.  There is no other company that we would rather do business with." Brandon & Danika Smith of California

"Our experience with Karen Cooper has been a very memorable one. We have called on Karen many times for refinancing our home loans with continual reliability. Karen has the ability to understand the needs of the customers since she gets to know you on a personal level. We cannot thank Karen enough for being there; she is truly an exceptional person that is caring and dedicated to the customer. Karen is one of the few remaining business professionals that has retained high ethics standards." Randy & Amparo Masumoto

"Karen has served as a trusted advisor to us for many years and has always provided the best solutions for our specific needs at the right time.  Her genuine care and concern yields the kind of personalized customer service that makes every transaction a pleasure.
Lisa & Bill Snider, Ojai, CA"

"We have been working with Karen for almost 10 years now, and we have never been happier!  From our first home, and now our second, Karen has helped us become knowledgable homeowners.  Her knowledge in finance, real estate, and the mortgage industry is truly amazing.  Karen has always strived to help us get the best possible loan(s) and rates. She is always efficient in her timelines/deadlines, and has always been commited to prompt customer service.  We recommend her to all of our family and friends and they all have been happy.  Karen is truly an amazing gift to us...we wouldn't be homeowners if we didn't have her beside us....every step of the way!"   -Jonathan and Jennifer Friedman