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



One of the many hats I wear is as a housing counselor for a HUD certified housing counseling agency. These days, most of us housing counselors find ourselves focused not only on first time home buyers seeking homebuyer education from a HUD approved non-profit entity, but even more so on existing ...
Seems to have snuck right up on us, didn’t it? Here it is D-Day – the day first time home buyers wishing to take advantage of the $8,000 first time home buyer tax credit have to have accepted offers communicated to them. At least interest rates are still really good for the buyers who didn’t make...
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Well, Jennifer Fivelsdal of Mid Hudson Valley, I'm not real sure how I felt about pygmy goats before, but these sure are cute! Haven't seen anything like this here in the Rogue Valley, but if they're becoming popular pets out there, maybe I should look around more.Wordless Wednesday - How do you ...
Kate posted some beautiful reminders about how lovely Spring can be - in her corner of the world, just like it is here in Southern Oregon.Simply spring.  That's why I thought I would share these with you.  They are close-ups as I really like the look of individual azalea blossoms and they are oft...
Since the 2010 USDA funding well began to run dry, I'm finding buyers in need of FHA financing as an acceptable home loan alternative, especially first time home buyers who find making a down payment a challenge. So far, the FHA minimum down payment requirement has remained at 3.5%, but the upfro...
I posted this article last summer, and use it frequently when providing home buyers with information on one of the few no down payment programs left. USDA is just about out of money for the USDA Guaranteed Rural Housing loan program for 2010, and our local Oregon office has been hopping with the ...
I love to check the Osprey nests when we're out on our Southern Oregon water ways, and often catch quite a few at home this time of year. Had I had my camera ready just seconds earlier today, I would have caught an osprey exiting their nest, but alas it was not to be. I did catch this bird, thou...
  It's that time of year again! With 73 degrees today, we officially declared it time for Re-Cooper-a-ting! We went for a Sunday Drive through some of the gorgeous Oregon forests, then continued our "drive" via water way, heading up the Upper Rogue River until we came across white water and turne...
Heading down that hill to go fishing at the lake, or up river to go for one of our great hikes, I can think of quite a few times this hidden treasure is indeed something I'd be happy to come across, especially when one is out exploring that vast and beautiful Oregon Wilderness...

Karen Pierce

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