Fred's FHA Mortgage and Conventional Real Estate Loan Blog

By
Mortgage and Lending - Guild Mortgage Co - Oak Harbor WA
Welcome to my blog about mortgages and real estate loans in Oregon, California, Alaska and Washington. I am a government specialist and am a Vietnam era veteran. I enjoy working first time home buyers and have many tools available to help them.

ARCHIVED BLOG POSTS

2008 

Well, I have been tagged by Marti Garaughty to do my MeMe and I feel really good that someone tagged me. I also feel a bit overwhelmed with what I have to do. There is a lot of soul searching and baring of oneself in doing the MeMe. I have added a few links to videos that help tell my story. I ho...
08/31/2008
I tried to read a featured blog on whether or not we need a disclaimer on our blog but could never get it to load. Therefore, I am going to ask the question, do we need a disclaimer? I have also read a lot about copyright issues and what to do about our original pictures. I honestly don't know wh...
08/29/2008
I got a call yesterday from my 6 year old granddaughter. She is the apple of her Grandfather's eye and knows how to make this gruff (sometimes) old man melt. I took her and her little brother to Disney World just after New Year's and am their favorite grandparent. Now, I don't know if Disney Worl...
08/29/2008
I just received my link to the Summer newsletter from the Community Development Department of the Federal Reserve Bank of San Francisco. You can access the entire newsletter, "Community Investments" by clicking here. This issue is their Green Issue. In this issue, they ask what does it mean to go...
08/28/2008
Hendricks Bridge Park is located just a short distance from Thurston (Springfield) Oregon on the banks of the McKenzie River. The park is 17 acres just 9 miles from downtown Springfield.   As you can see, the park is open from dawn to dusk and there is a user fee of $3 per vehicle. It is located ...
08/28/2008
I know there are Realtors out there that remember the bad old days of FHA financing. I still remember having to have and FHA certified inspector check over the house and make the sellers sweep up the basement or clean a spot on the carpet. Anyone remember the VC sheet (that hasn't been that long ...
08/27/2008
Jason is a fairly new friend of mine. We now have an almost bi-coastal relationship. I enjoy his blogs and have been trying to keep up with what he writes. This particular posting is about credit and credit reports. I may have been able to do it nearly as well, but he did all the hard work. So, ...
08/26/2008
Yesterday I got this e-mail from Countrywide: Effective on Friday, August 29, 2008, Countrywide will no longer accept Seller-Funded Grant Programs on FHA transactions, sometimes described by HUD as Seller-Financed Downpayment Assistance Programs. The Housing and Economic Recovery Act of 2008, whi...
08/26/2008
Did you know? Conforming loans are only available to 80% loan to value for 3 and 4 unit personal residence properties and require a 620 credit score for purchase or rate and term refinance and only 75% for cash out refinances. Did you know? You can get a 95% cash out refinance on an FHA refinanc...
08/25/2008
The Democratic Party Convention started today in Denver. Barack Obama is the presumptive nominee and he has chosen Joe Biden as his running mate. So what does this mean to mortgage lending? To be real honest about that, I don't know. The markets are very iffy on almost any news coming from the fi...
08/25/2008
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Fred Chamberlin

Oak Harbor/Whidbeynulls, #1 Experienced FHA Mortgage Consultant
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