Your Southern Oregon Housing Resource For Homeownership|Foreclosure Prevention

Mortgage and Lending - Karen Pierce | Housing Counselor |Oregon - NMLS 223305
Foreclosure Prevention, Loan Modification, Ashland Home Loan, Southern Oregon Real Estate, Rogue Valley Home Loan, Medford Real Estate Loan, Jackson County Real Estate Loan, First Time Home Buyer, Oregon Bond Loan, Siskiyou County Mortgage Loan, Yreka Mortgage Loan, Hilt Mortgage Loan, Grants Pass Home Loan, USDA 102% financing, Farm and Ranch Loan, Construction Loan, Construction-to-Perm Loan, Builder Spec Mortgage Loan, Lot Loan, Home Equity Line of Credit, Habitat for Humanity Rogue Valley, ABCs of Homebuying, Down Payment Assistance, City of Medford, City of Ashland, Affordable Housing, Green Building, Energy Efficient Mortgage, Quality Home Loans, Quality4Loans, Central Point
On August 4, 2013, the State of Oregon rolled out its Foreclosure Avoidance Program established by Senate Bill 558. This requires most mortgage lenders to offer foreclosure mediation before they may file a judicial or non-judicial foreclosure in the State of Oregon. A homeowner is notified they h...
The State of Oregon applied and received U.S. Treasury Hardest Hit Funds due to the extent of unemployment and foreclosure this State's citizens have experienced. The latest program, the Home Rescue Program, has been opened up to applicants who are seeking financial assistance on their home due t...
Somehow I seem to have reblogged an earlier articel, but also worthy of attention! The costs associate with FHA loans are definitely a factor for buyers to consider today, and now that the Conventional Option of 3% down is back in play, the cost comparison will frequently tip in favor of that loa...
Way to lay out the costs associated with delays in an upward trending interest rate market, Gene. Being cautious and diligent about making sure a home is affordable - including the repair costs identified in an inspection - are one thing, but the "chronic hagglers" will certainly pay a price in m...
As a housing counselor working with Southern Oregon homeowners facing financial hardship, I appreciate homeowners having options to consider. As with the recent “fixing” of the Oregon Foreclosure Avoidance Program that will now incorporate homeowners facing judicial as well as non-judicial forecl...
Homeowners experiencing financial difficulties are receiving modification of their mortgage terms from their lenders. As a housing counselor, this is a wonderful outcome for many families! When a homeowner’s lender approves modifying their original loan terms, they usually require the homeowner c...
The Rogue Valley Association of Realtors and the Homebuilders Association of Jackson County presented the Southern Oregon Economic Summit today. Dr. Lawrence Yun the NAR Chief Economist, Dr. David Crowe the NAHB Chief Economist and Josh Lehner Senior Economist with the Oregon Office of Economic A...
Housing Counselors working with homeowners seeking solutions to their financial hardship and alternatives to foreclosure comb through the homeowners’ individual situations. We’ll look at their past, current and possible future circumstances, making several recommendations based on that in-depth r...
Homeowners in Southern Oregon have faced many challenges, one of which for some homeowners has been substantial negative equity. There are many options for homeowners who have experienced financial hardship – i.e. lost their job, closed their business, experienced a reduction in hours/income, fac...
There have been many instances of door-to-door sales in the Rogue Valley, the stories which I've heard are usually relayed with regret associated with the experience. “Just say no” is not always the easiest thing for some people to do. Homeowners have experienced home repair and remodel sellers w...

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