Oregon Mortgage News

Oregon Mortgage News http://oregon-mortgage-news.com/ Relevant news and information about issues relating to Oregon and Southern Washington mortgages and real estate. en-us http://oregon-mortgage-news.com/post/1538241/usda-guaranteed-rural-home-loan-funds-set-to-exhaust-in-april USDA Guaranteed Rural Home Loan Funds set to Exhaust in April <p>I just received notification from the USDA that their funds are set to exhaust by the end of April. Usually, they issue a "Conditional Commitment "subject to receipt of appropriate funds". They are indicating that this year they will not be doing so as they are not certain when additional funding will be available.</p> <p>So, if you are looking for a home now and planning on using a USDA Guaranteed Rural Home Loan to purchase it, you better act quickly!!</p> <p>Usually funds run out in September or November and new funding is allocated quickly. The fact that they are running out in April attests to the growing popularity of this program. Congress will allocate new funds, and it might be quickly, but, do you really want to wait?</p> <p>Call me if you have any questions on this.</p><div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Wed, 10 Mar 2010 11:31:34 -0600 http://oregon-mortgage-news.com/post/1538241/usda-guaranteed-rural-home-loan-funds-set-to-exhaust-in-april http://oregon-mortgage-news.com/post/1392947/do-you-appreciate-your-customers-and-key-partners- Do You Appreciate Your Customers and Key Partners? <p> <p>I've started a new blog on Appreciation Marketing. I help small business men and women become more successful through gratitude.</p> </p> <div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/1392503/do-you-appreciate-your-customers-and-key-partners-">Larry Morris - Appreciation Marketing Coach (Nice Touch Marketing - SendOutCards)</a></b>:<br/><blockquote><div style="text-align: center;"><span style="font-size: small;"><strong>Do You AppreciateYour Customers and Key Partners? <br /></strong></span><strong>Do You Even Know Who They Are? <br />Do They Feel Appreciated?<br /><br /></strong></div> <p>There is not a business alive that can succeed without sales. That is how revenue is driven. I don't care what your business is. You have a product, or service, and your success is driven by how well you deliver that product or service to your clients or prospects. <br /><strong><br />Do you know who your customers are? How do you follow up with them?</strong> <br /><br />It doesn't matter if you are in a traditional sales oriented business like car or insurance sales, a retail shop like a Beauty Salon or Book Store, a professional like a CPA or Attorney, a Realtor or Mortgage Broker, you cannot exist without customers. <br /><br /><strong>How do you follow up with your customers? Do they feel appreciated? Do they know that you know they exist?<br /></strong><br />You also cannot exist without the assistance of other, third party companies. These are the people and companies who provide essential services to you as you do your job. Some of these are crucial to your success, others provide services upon which you rely upon. Some you don't even know exist. <br /><br /><strong>Do you know who your key partners are? How do you follow up with these key people?</strong> <strong>When was the last time you told them you appreciated them?<br /></strong><br />Even within a large corporation or government entity, there are people without whom your job would not exist. The payroll department is reliant upon every other employee. Without them their job would not be necessary. The Insurance claims analyst has an external client (the policy holder), and many internal customers (all of the other employees whom he or she works with on the policy or claim). In a Real Estate tranaction there are so many fingers involved that it would take a book to write it down. But here's a couple of examples of "touches" that I know are not happening. Mortgage Broker - when was the last time you sent a Thank You Card to the wholesale setup person on your loan? I'll bet never. I know I haven't. But I should every now and then. Realtor - when was the last time you sent a Thank You Card to the processor of the Loan Officer who got a tough loan done? That is the real hero in the loan. Not the Loan Officer. Anyway, I hope you get my point.  <br /><br /><strong>How often do you show appreciation? How? Is it perceived as meaningful and heartfelt</strong>?<br /><br />My point is that every one of our jobs is reliant upon the assistance of others. Whether it's the end customer who uses our product or service and pays the bill, or the various co-workers or vendors who help us do our job in order to satisfy the end customer. <strong>Our success is tied to how we respond to others and how they respond to us.</strong> <br /><br />I'm a mortgage broker as well as a referral marketing coach. I have an end customer, the homeowner who is looking to purchase or refinance. But in order to do my job, I am reliant upon a variety or internal co-workers, a wholesale lender with who knows how many people influencing my loan, an appraiser, possibly a Realtor, inspector, Title & Escrow company, and possibly verification of income, rent, assets and who knows what else... While it's easy to say I have 1 customer, there are a lot of people reliant on me and that I am reliant on to get the deal done. <br /><br /><strong>Here is how I followup with my customers and key partners.</strong> I have found that it is always better to be proactive and nice in order to get new clients and loans through the system. This takes more time, but the payoff is worth it. It also helps to have a system to spread that honey. I use a combination of high tech and low tech services to bring in new business and facilitate the work flow on existing business. <br /><br />Here are a few:</p> <ul> <li><strong>In Person</strong>: Usually best for cementing relationships, but most time consuming. You also need to be concerned about your appearance and that of your meeting place.</li> <li><strong>Telephone:</strong> Also very good as long as you are a good listener and can convey your thoughts. I use my office phone, iPhone and RingCentral for fax and 800#.</li> <li><strong>Internet:</strong> Great for attracting new clients and transferring information easily and effortlessly. I have several websites that allow prospects to find me, easily leave information for me to get back in touch with them. I use facebook, ActiveRain and twitter, as well as others sites to attract new clients and make my work easier. In fact, my mortgage and Referral Marketing businesses could not exist without the Internet.</li> <li><strong>Email:</strong> I have a love hate relationship with email. I need it, but about 50% of what I get is SPAM. Chalk it up to my success on google... I have also found limited success using email to draw in new clients. It is to easy to leave a bogus email address or for a well intended email to end up in the SPAM folder. Trust me, it happens.</li> <li><strong>E-Newsletters</strong>: I send out several e-newsletters and know that they work, but they also can easily end up in the SPAM folder or wear out their welcome.</li> <li><strong>Personal Greeting Cards</strong>: Everybody loves a personal greeting card. We are bombarded with email, junk mail, bills... But when we get a personal letter or greeting card, we get excited.</li> </ul> <p>I use <strong>SendOutCards</strong> to easily, and cost effectively send personal greeting cards. It takes a couple of minutes to create the card, push send and it's printed at our factory, delivered to the Post Office and within a few days delivered to the mail box. I can even send a gift. <br /><br /><strong>How do you followup with your clients? Do you know who your clients and key partners are? Do they know that you appreciate them?</strong> <br /><br />What I suggest is to take a good look at your business or job.</p> <ul> <li>Identify where your revenue comes from. Who are the clients who put money in your pocket, or allow you to do the job you were you hired to do?</li> <li>Identify the different steps involved in providing that service or attracting new revenue sources.</li> <li>Identify who else is involved in the process of assisting you in meeting the needs of that revenue source.</li> <li>Identify the steps where communication is best served and the method best for the situation. This should involve a variety of resources including personal visits, telephone, Internet, e-newsletters and personal Greeting Cards.</li> <li>Setup a plan and put it into action. It doesn't have to be complicated. Just intentional and regular.</li> </ul> <p> If you would like assistance in this, please give me a call.</p><div class="agent_signature"><p>Larry Morris</p> <p>Your Oregon Based Appreciation Marketer and Referal Coach</p> <p><a href="mailto:NiceTouchMarketing@gmail.com">NiceTouchMarketing@gmail.com</a><br />503-421-0096</p> <p><em>"Appreciation can make a day, even change a life. Your willingness to put it into words is all that is necessary."</em> Margaret Cousins</p> <p><em>"Feeling gratitude and not expressing it is like wrapping a present and not giving it."</em> William Arthur Ward</p></div></blockquote></div><div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Sat, 19 Dec 2009 12:58:21 -0600 http://oregon-mortgage-news.com/post/1392947/do-you-appreciate-your-customers-and-key-partners- http://oregon-mortgage-news.com/post/1342964/how-do-you-send-christmas-cards- How Do You Send Christmas Cards? <p><strong><img src="http://activerain.com/image_store/uploads/1/2/5/8/6/ar125850987768521.jpg" height="266" alt="Christmas Wishes" width="200" style="float: right;" />Do you love SENDING Christmas cards?</strong>  I know you probably love touching people's lives with them, but <strong>do you love the PROCESS of sending Christmas cards</strong>?  Me neither.  Or at least that's the way I used to be.<br /><br />You are probably aware that I have been using a tool called <strong>SendOutCards</strong> for awhile now.  Last year, I sent 300 Christmas cards in under 20 minutes. That's not an Ecard but a real physical card, printed stuffed stamped addressed and mailed through the US Postal service.  <br /><br />Just the other day, a friend of mine sat down and created a video where He sent 100 cards in under 5 minutes.  Want to see how he did it?  Here is that quick video:  <a href="http://screencast.com/t/MjFhN2VjMWI" target="_blank"><strong>http://screencast.com/t/MjFhN2VjMWI</strong><br /></a>Crazy, huh?<br /><br /><strong>So here is my early Christmas gift to you</strong>.  I am going to give you TIME!  Time is the one commodity that can never be replaced.  Money can earned again, clothes can be bought again, but time can never be regained.  Well, in this busiest time of year, I am going to give you precious hours and probably save you money at the same time.  <br /> <br /><strong>How? </strong> Most of us spend Hours if not days doing our Christmas cards. They get more and more expensive, take more and more time to produce and so we send fewer and fewer cards.</p> <p>Well, I have teamed up with SendOutCards Senior Manager John Riding and Executive Everett O'Keefe to put on a fun, lively Christmas Card webinar <strong>THIS THURSDAY at Noon</strong>.  If you can make it, it will be worth your while because we will show you how to add hours of extra time to your holiday season and feel great about sending out your holiday cheer with very little effort and lots less expense!<br /><strong>Register right here:  <a href="https://www1.gotomeeting.com/register/846310641" target="_blank">https://www1.gotomeeting.com/register/846310641</a></strong><br /><strong>Use Registration code (24238)</strong></p> <p>Even if you can't make the time slot, register anyway, and we will send you a link to the recorded webinar!  Yes, that way you can watch it whenever you like!<br /><br />So register right now at <a href="https://www1.gotomeeting.com/register/846310641" target="_blank">https://www1.gotomeeting.com/register/846310641</a><br />Make sure you use Registration code (24238)</p> <p>See you soon!<br /><br />P.S.  Want to be the hero at your home or office?  Share this email!  Or post this link (https://www1.gotomeeting.com/register/846310641) on your Facebook, Twitter, LinkedIn, etc.  Your friends, family, and coworkers will thank you! <br />Make sure you give them this Registration code (24238)</p><div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Tue, 17 Nov 2009 20:07:50 -0600 http://oregon-mortgage-news.com/post/1342964/how-do-you-send-christmas-cards- http://oregon-mortgage-news.com/post/1324523/st-helens-oregon-starter-home St Helens Oregon Starter Home <h2 style="text-align: center;"><strong>St Helens Oregon Starter Home</strong></h2> <p style="text-align: center;"> <span style="font-size: medium;">3 Bd/2 Bth for $153,500 </span><span style="font-size: larger;"><br /> </span><span style="font-size: larger;">RMLS # 9079926</span></p> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/realEstate/View%20Columbia%20County%20Homes/St.%20Helens%201st%20Time%20Home%20Buyer/" target="_blank"><strong><span style="font-size: large;">35477 Oakwood</span></strong><span style="font-size: large;"><strong>, St Helens OR 97051</strong></span></a></p> <p style="text-align: center;"> <strong>This St Helens, Oregon Home qualifies for 100% Financing!!<br /> and<br /> the extended $8000 Homebuyer Tax Credit</strong></p> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/loanOptions/USDA%20Guaranteed%20Home%20Loans%20for%20Rural%20Oregon/Oregon%20USDA%20Loans/" target="USDA 100% Financing"><strong>USDA Guaranteed Rural Home Loan Program</strong> </a><br /> </p> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/realEstate/View%20Columbia%20County%20Homes/St.%20Helens%201st%20Time%20Home%20Buyer/" target="_blank"><img src="http://www.pdx-mortgage.com/realEstate/View%20Columbia%20County%20Homes/St.%20Helens%201st%20Time%20Home%20Buyer/images/housePics/26/9079926-1.jpg" id="currentImage" alt="current image" /></a><br /> Check out more pictures of this house by</p> <p style="text-align: center;"><span style="font-size: medium;"><a href="http://www.pdx-mortgage.com/realEstate/View%20Columbia%20County%20Homes/St.%20Helens%201st%20Time%20Home%20Buyer/">CLICKING HERE!</a></span></p> <p style="text-align: center;"><span style="font-size: medium;">Beautiful 3 bedroom, 2 bath townhome close to a Campbell and McCormick Parks and downtown. Pictures and words do not do this home justice. <br /> This is a MUST SEE.<br /> <br /> </span></p> <table cellspacing="1" border="1" cellpadding="1" width="200"> <tbody> <tr> <td style="text-align: center;">Program </td> <td>Rate </td> <td>APR </td> <td>Down<br /> Payment </td> <td>Monthly <br /> Payment</td> </tr> <tr> <td>USDA Guaranteed<br /> Rural Home Loan</td> <td>4.875%</td> <td>5.092%</td> <td>$0</td> <td>$955.58</td> </tr> <tr> <td>FHA <br /> </td> <td>5%</td> <td>5.092</td> <td>$5,238</td> <td>$1,038</td> </tr> <tr> <td>Conforming<br /> </td> <td>4.875%</td> <td>5.255%</td> <td>$34,447</td> <td>$817</td> </tr> </tbody> </table> <p style="text-align: left;"><span style="font-size: xx-small;">The above rates are based on acceptable credit, the ability to fully document your income and meet all appropriate lender guidelines. These rate meant to be an example of what you could expect and are subject to change at any time due to market conditions or lender program changes.<br /> or a Good Faith Estimate based on your unique situation, please contact Larry Morris below.<br /> </span></p> <p style="text-align: center;"><span style="font-size: medium;"><br /> <strong>St Helens</strong> is an excellent town for <strong>first time homebuyers</strong>. It is a beautiful, small town on the Columbia River. Located just 18 miles from Vancouver, 25 miles from Portland and 20 miles to Longview, WA, St Helens is closer to Portland's job center then most people realize. Home to some of the best kayaking, sailing and fishing in Oregon, St Helens is a gem waiting to be discovered. <br /> <br /> It's also close enough to Portland to take advantage of all Portland has to offer, but far enough away for home prices to be reasonable.<br /> </span></p> <p style="text-align: center;">Listed by:<br /> <br /> <span style="font-size: larger;"><strong>Todd and Leslie McCabe<br /> John L Scott Real Estate </strong></span></p> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/recommendedProfessionals/Todd%20and%20Leslie%20McCabe/" target="Todd McCabe"><span style="font-size: large;">Contact Broker</span><span style="font-size: large;"> </span></a></p> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/forms/purchaseAssistant.html"><span style="font-size: medium;"><br /> </span></a></p> <p style="text-align: center;"><strong>St Helens First Time Home Buyers</strong> are able to purchase a home with: <br /> 1<strong>00% Financing</strong> with NO monthly Mortgage Insurance<br /> <strong>$0 Down Payment</strong><br /> Up to <strong>6% Seller Concessions</strong> that can be applied towards your Closing Costs.<br /> Simplified Appraisal Process<br /> <br /> There are Income Qualifiers. You can't make to much or to little.</p> <p style="text-align: center;"><span style="font-size: larger;"><span style="color: rgb(255,0,0);"><a href="http://www.pdx-mortgage.com/forms/purchaseAssistant.html" title="Oregon USDA Home Loans" target="_blank"><span style="font-size: medium;">Find out if YOU qualify.. </span></a></span></span></p> <h2 style="text-align: center;"> </h2> <p style="text-align: center;"><span style="font-size: medium;">Get Pre-Approved today!!<br /> OR<br /> Local Clients Call<strong>: </strong>503-421-0096<br /> Not in the Area? Call: 1-888-660-2842 and Ask for Larry</span></p> <p style="text-align: center;"> </p> <p style="text-align: center;"><span style="font-size: medium;">View all of our </span><a href="http://www.pdx-mortgage.com/realEstate/" title="Oregon Featured Homes" target="_blank"><span style="font-size: medium;">FEATURED HOMES </span></a><span style="font-size: medium;">here!!</span></p> <p style="text-align: center;">Use our <a href="http://www.pdx-mortgage.com/forms/findAHome.html" title="Oregon MLS Access" target="_blank">FREE Search Engine </a>to find your Oregon Home.<br /> <br /> <a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/" target="_blank"><img src="http://pdx-mortgage.net/images/misc/LoanSifter.png" height="60" alt="" width="468" /></a></p> <h3 style="text-align: center;"> </h3> <ul> <li class="lastItem"><img src="http://pdx-mortgage.net/images/misc/HUDsm.jpg" alt="www.PDX-Mortgage.com" style="width: 66px; height: 68px;" /></li> </ul> <p> </p><div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Fri, 06 Nov 2009 22:31:37 -0600 http://oregon-mortgage-news.com/post/1324523/st-helens-oregon-starter-home http://oregon-mortgage-news.com/post/1323850/more-oregon-homebuyers-qualify-for-homebuyer-tax-credit More Oregon Homebuyers Qualify For Homebuyer Tax Credit <p style="text-align: center;"><strong>More Oregon Homebuyers Qualify for Homebuyer Tax Credit</strong></p> <p>President Obama has just signed an expanded version of the $8,000 first time home buyer tax credit that was set to expire on November 30. This will allow more <strong>Oregon homebuyers, both first time homebuyers and move up homebuyers, to qualify for the tax credit.</strong></p> <p>The new version of the tax credit has the potential to stimulate the housing market even more than the old version due to the fact that more Oregonians will qualify under the new rules. Although the tax credit remains at <strong>$8,000 for home buyers that have not owned a primary residence in the last three years, it has been expanded to include a $6,500 tax credit for home buyers that have lived in their current primary residence for at least five consecutive years out of the past eight years</strong>. Under the old rules, move-up home buyers did not qualify.</p> <p>Consider these three examples:</p> <p><strong>Example 1:<br /></strong>Jane purchased a home in 2002, lived there for 5 years as her primary home, moved<br />out in 2007, and turned that home into a rental property. If Jane decides to buy a<br />new primary residence today, she would qualify for the $6,500 tax credit based on<br />the fact that she lived in the same residence as her primary home for at least five<br />consecutive years out of the past eight.</p> <p><strong>Example 2</strong>:<br />Harry purchased a home in 2004, and lived there for the past 5 years as his primary<br />home. If Harry decides to buy a new primary residence today, he would qualify for<br />the $6,500 tax credit based on the fact that he lived in the same residence as his<br />primary home for at least five consecutive years out of the past eight.</p> <p><strong>Example 3</strong>:<br />Nicole purchased a home in 2006, and lived there for the past 3 years as her primary<br />home. If Nicole decides to buy a new primary residence today, she would not qualify<br />for the $6,500 tax credit based on the fact that she did not live in the same residence<br />as her primary home for at least five consecutive years out of the past eight.</p> <p>The <strong>tax credit applies to Oregon homes purchased for less than $800,000 before May 1,<br />2010. If you sign a binding contract to purchase a home before May 1st, you would<br />need to close on the transaction before July 1, 2010</strong>. It works kind of like a gift certificate that can be redeemed for cash. You simply file a form with the IRS right after you buy your home, and the IRS will send you a check for the full amount of your credit.</p> <p>The <strong>income limitation for single tax payers in Oregon went up from $75,000 under the old rules to $125,000 under the new rules. For married tax payers, the income limitation went up from $150,000 to $225,000.</strong>  This means that more people will qualify for the credit - especially in parts of Oregon with higher costs of living. This should help stimulate parts of the housing market that may not have been impacted by the old version of the credit. As an example, earlier this year I helped a single Fire Fighter get into a townhome. He works a lot of overtime and makes around $90,000 per year. This disqualified him for the tax credit under the old rules, but he would qualify under the new rules.</p> <p>There are many creative ways of structuring your home purchase transaction in ways<br />that maximize the benefits of the credit. Here are a few examples:</p> <ul> <li> The credit applies to 1-4 unit homes as long as you live in one of the units as your primary residence - you could live in one unit and rent out the others.</li> <li>If two unmarried individuals buy a home, and only one of the individuals qualifies for the credit based on their income or past home ownership status, the individual who qualifies for the credit can claim the full credit. (Note: In the case of married couples, both spouses must qualify for the credit.)</li> <li> The credit applies even if you have co-signers on your mortgage loan.</li> </ul> <p><strong>Combined with the USDA Guaranteed Rural Home Loan or an FHA Loan, lower property values, many great homes on the market and today's great rates, there has never been a better time to buy a home in Oregon.</strong></p> <p>Home buyers who work with a Certified Mortgage Planning Specialist are much better equipped to save money and navigate the complexities of the tax credit.</p> <p><br /> </p><div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Fri, 06 Nov 2009 13:35:00 -0600 http://oregon-mortgage-news.com/post/1323850/more-oregon-homebuyers-qualify-for-homebuyer-tax-credit http://oregon-mortgage-news.com/post/1284929/mortgage-rates-to-remain-low- Mortgage Rates to Remain Low? <p>The minutes from the September Fed Meeting have been released and needless to say, it was a heated meeting. However, most of the Fed members agreed that we are not yet in a position to increase the rate of short term funds and that the purchase of Mortgage Backed Securities should be extended.</p> <p>According to Greg Robb's article in MarketWatch <strong><a href="http://www.marketwatch.com/story/fed-minutes-reveal-depth-of-policy-disputes-2009-10-14?siteid=bnbh" target="_blank">FOMC minutes reveal depth of disagreement over outlook</a></strong></p> <p>"<em>But the minutes of the Federal Open Market Committee meeting of Sept. 22-23 reveal that below the veneer, officials have a wide range of views about where the economy is headed and therefore where Fed policy needs to be. </em><em>The wide range of opinions about the economic outlook and the Fed's unprecedented policies had been expected by Fed watchers given the "cacophony" heard from officials in their public remarks.<br /><br /></em><em>Some officials believe that the Fed will need to tighten policy sooner rather than later. </em><em>Others are worried that a weak recovery might cause a dangerous downturn in prices. </em><em>Most Fed officials agreed that a recovery has started. But there was little agreement about the strength of the expected upturn.</em></p> <p><em>There was a "range of views" expressed about the Fed's unprecedented credit-easing policies. </em><em>Some Fed officials wanted to boost the size of the Fed's purchase of mortgage securities, while one wanted to end the program early.</em></p> <p><em>There was no appetite for hiking rates at this meeting because "the cost of the economy turning out to be weaker than anticipated could be relatively high," the minutes said. The Fed decided to extend its purchase of MBS and asset-backed securities into the first quarter to smooth them out and avoid any sudden end that might jolt markets"</em></p> <p><strong>So what does this mean to Oregon Homeowners?</strong></p> <p>If this is correct, we should continue to see 30 year fixed rates below 5% into the 1st quarter of 2010. this bodes well for those who have yet to refinance and for those looking for a home. Fall and winter are usually poor times to sell a home in Oregon as the weather is generally bad. This should mean sellers are more willing to accept a reasonable offer, then wait for a higher one.</p> <p>Time will tell.</p> <p>Feel free to call me to get yourself or your clients qualified for an Oregon Home Loan today. 503-421-0096.</p><div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Wed, 14 Oct 2009 13:33:59 -0500 http://oregon-mortgage-news.com/post/1284929/mortgage-rates-to-remain-low- http://oregon-mortgage-news.com/post/1273962/scam-alert-on-jury-duty Scam Alert on Jury Duty <p>I received this from a reliable source. It should be taken seriously. Remember, don't ever give your personal information to anyone over the phone unless you know it is from a trusted source.</p> <p> </p> <p><strong><span style="font-size: 20px; font-weight: bold; color: #c61130; font-family: Helvetica,Arial,sans-serif;">Scam Alert:</span></strong></p> <p style="font-size: 12px; font-family: Arial,Helvetica,sans-serif;"><strong>Type: </strong>Jury Duty Vishing Scam</p> <p style="font-size: 12px; font-family: Arial,Helvetica,sans-serif;"><strong>Method of Delivery: </strong>Phone call from an alleged court officer</p> <p style="font-size: 12px; font-family: Arial,Helvetica,sans-serif;"><strong>Primary Region Effecgted: </strong>Reports from 11 states, including: Florida, New York, Minnesota, Illinois, Colorado, Oregon, California, Virginia, Oklahoma, Arizona, and New Hampshire; may spread nationally</p> <p style="font-size: 12px; font-family: Arial,Helvetica,sans-serif;"><strong>Source: </strong>Federal Bureau of Investigation (<a href="http://www.fbi.gov/" target="_blank">www.fbi.gov</a>)</p> <p style="font-size: 12px; font-family: Arial,Helvetica,sans-serif;"><strong>Scam Characteristics: </strong>A caller identifies him/herself as an officer of the court and notifies the victim that a warrant has been issued for their arrest for a failure to report for jury duty. If the victim protests they have never received a summons for jury duty, the scammer asks for a Social Security number and date of birth to verify the victim's identity and cancel the arrest warrant. This fraud is spreading quickly and has been reported in 11 states so far.</p> <p style="font-size: 12px; font-family: Arial,Helvetica,sans-serif;"> </p> <p style="font-size: 12px; font-family: Arial,Helvetica,sans-serif;"><strong><span style="font-size: 20px; font-weight: bold; color: #c61130; font-family: Helvetica,Arial,sans-serif;">Recommended Precautions:</span></strong></p> <p style="font-size: 12px; font-family: Arial,Helvetica,sans-serif;"><strong><span style="font-size: 15px;">Be Suspicious</span></strong><br /> These vishing scams (a combination of the words "voice" and "phishing") are designed to get you to provide criminals with your personal and financial information. Most organizations will not ask you to provide your sensitive information during an unsolicited phone call, so any caller that does should immediately send up a red flag.</p> <p style="font-size: 12px; font-family: Arial,Helvetica,sans-serif;"><strong><span style="font-size: 15px;">Never Provide Your Sensitive Information to Unsolicited Callers</span></strong><br /> Sensitive information includes your Social Security number, your credit card or debit card numbers, your birth date or birthplace, your vehicle registration plate number, and any other information you wish to keep private.</p> <p style="font-size: 12px; font-family: Arial,Helvetica,sans-serif;"><strong><span style="font-size: 15px;">Contact the Court in Question</span></strong><br /> To determine the legitimacy of the call, contact the court in question at a number that can be found in the phone book, on a phone directory website, or by calling directory assistance.</p> <p style="font-size: 12px; font-family: Arial,Helvetica,sans-serif;">Sensitive information includes your Social Security number, your credit card or debit card numbers, your birth date or birthplace, your vehicle registration plate number, and any other information you wish to keep private.</p><div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Wed, 07 Oct 2009 13:25:37 -0500 http://oregon-mortgage-news.com/post/1273962/scam-alert-on-jury-duty http://oregon-mortgage-news.com/post/1270797/an-easier-way-to-send-cards An Easier Way to Send Cards <p style="text-align: center;"><strong>An Easier Way to Send Cards.</strong></p> <p style="text-align: left;"> </p> <p>Things have been really happening at<strong> SendOutCards</strong>. The annual convention was a little over a week ago and there were several great announcements. The most radical and potentially important one is that joining and using SendOutCards system has just gotten easier.<br /><br /><strong>SOCBox</strong> was introduced as a <strong>cost effective way to become a sender of cards</strong>. SOCBox is <strong>SendOutCards' first-ever retail product</strong>. It gives users access to a <strong>SOCBox</strong> card sending account and comes with the first 10 cards for free! After that, each card is $2! This includes the printed card and postage in the US, Canada or Australia.<br /><br />The <strong>cost of the SOCBox is $49. This includes a license for the system at$29 and 10 cards at $2 a piece</strong>. Compare this to the average card cost at your local card store PLUS postage and you can see what kind of deal this can quickly become.<br /><br />While this is not a full featured SendOutCards account, it does provide <strong>access to the catalog of over 15,000 cards as well as create your own picture cards</strong>. It's also easy to upgrade to a full featured SendOutCards account.<br /><br />One of the neatest thing about SOCBox is the ability to <strong>earn money by hosting your own SOCBox Home Parties</strong>, or becoming a Distributor and earning residual income on every card and gift sold in your organization.<br /><br /><strong>Contact me if you would like to learn how you can get a FREE SOCBox</strong>.</p><div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Mon, 05 Oct 2009 17:17:52 -0500 http://oregon-mortgage-news.com/post/1270797/an-easier-way-to-send-cards http://oregon-mortgage-news.com/post/1243026/can-you-deduct-medical-insurance-premiums-from-usda-income- Can you Deduct Medical Insurance Premiums from USDA Income? <p style="text-align: center;"><strong>Can You Deduct Medical Insurance Premiums from </strong></p> <p style="text-align: center;"><strong>Income to Qualify for a USDA Guaranteed Rural Home Loan?</strong></p> <p>If you work with the <strong>USDA Guaranteed Rural Home Loan</strong> program you are aware that not only do you have to qualify the borrower based on normal Debt to Income Ratios, but there is also an income cap on how much a household can earn.</p> <p>After taking all household income into account, you can then take qualified deductions away to lower the household income. Without going into all of these, I received an email today from the USDA clarifying how Pre-Tax Insurance Premiums are treated. <strong>Basically, you cannot deduct the premiums from Income. AND, you need to use the Gross Income before the premiums have been taken out.</strong></p> <p>Here is the memo.</p> <p> </p> <p>"<em>September 17, 2009<br /><br /><strong><br /> Medical Deductions and Annual Income Calculations</strong><br /><br /> Due to <strong>questions surrounding the treatment of pre-tax medical plans</strong>, the following is provided to supplement and further clarify the interpretation of deducting medical expenses in the calculation of annual income.<br /><br /> <strong>Section 1980.347 of RD Instruction 1980-D</strong> provides instruction on the types of income to be considered in the annual income calculation.<br /><br /> <strong>Section 1980.347(e)</strong> describes the types of income that are not included in the annual income calculation, but may be considered in determining repayment ability.  Section 1980.347(e)(6) of the instruction indicates:<br /><br /> "Amounts which are granted specifically for, or in reimbursement of, the cost of medical expenses."<br /><br /> <strong>This section does not allow for lenders to deduct the pre-tax medical premiums that applicants pay with wages earned towards their medical/dental/vision health benefits offered by their employers.  These pre-tax employee premiums must be considered by lenders as gross income and utilized when calculating annual income.</strong><br /><br /> Lenders seeking guidance on deducting eligible medical expenses for elderly applicants should refer to Section 1980.348(b) and 1980.348(d)(1) of RD Instruction 1980-D.<br /><br /> Questions regarding this notice may be directed to your state GRH coordinator or the division at 202.720.1452.</em></p> <p> </p> <p>The Good news is that a low incoem borrower will qualify for more home since their Gross Income will be slightly higher. The bad news is that it may disqualify some borrowers who now make too much income.</p><div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Thu, 17 Sep 2009 09:31:40 -0500 http://oregon-mortgage-news.com/post/1243026/can-you-deduct-medical-insurance-premiums-from-usda-income- http://oregon-mortgage-news.com/post/1226630/newberg-oregon-starter-home-9064974 Newberg Oregon Starter Home _ 9064974 <h1 style="text-align: center;"><strong>Newberg Oregon Starter Home</strong></h1> <h2 style="text-align: center;"> </h2> <p style="text-align: center;"><span style="font-size: larger;">3 Bd/2 Bth for $217,500 RMLS # 9064974</span></p> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/realEstate/View%20Yamhill%20County%20Homes/Newberg%20Starter%20Home%20%20_%209064974/" target="_blank"><strong><span style="font-size: large;">3519</span></strong><span style="font-size: large;"> <strong>Burlington Drive, Newberg OR 97132</strong></span></a></p> <p style="text-align: center;"> </p> <p style="text-align: center;"><strong>This Newberg, Oregon Home qualifies for 100% Financing!!</strong></p> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/loanOptions/USDA%20Guaranteed%20Home%20Loans%20for%20Rural%20Oregon/Oregon%20USDA%20Loans/" target="USDA 100% Financing"><strong>USDA Guaranteed Rural Home Loan Program</strong>  </a></p> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/realEstate/View%20Yamhill%20County%20Homes/Newberg%20Starter%20Home%20%20_%209064974/" target="_blank"><img src="http://www.pdx-mortgage.com/realEstate/View%20Yamhill%20County%20Homes/Newberg%20Starter%20Home%20%20_%209064974/images/housePics/25/1.jpg" alt="Newberg Starter Home Todd McCabe Real Estate Group" /></a></p> <table cellspacing="1" border="1" cellpadding="1" width="200"> <tbody> <tr> <td><a href="http://www.pdx-mortgage.net/realEstate/View%20Newberg%20Homes/Newberg%20Starter%20Home%20%20_%209064974/" target="_blank"><img src="http://www.pdx-mortgage.net/realEstate/View%20Newberg%20Homes/Newberg%20Starter%20Home%20%20_%209064974/images/housePics/25/2.jpg" alt="" /></a></td> <td><a href="http://www.pdx-mortgage.net/realEstate/View%20Newberg%20Homes/Newberg%20Starter%20Home%20%20_%209064974/" target="_blank"><img src="http://www.pdx-mortgage.net/realEstate/View%20Newberg%20Homes/Newberg%20Starter%20Home%20%20_%209064974/images/housePics/25/3.jpg" alt="" /></a></td> <td><a href="http://www.pdx-mortgage.net/realEstate/View%20Newberg%20Homes/Newberg%20Starter%20Home%20%20_%209064974/" target="_blank"><img src="http://www.pdx-mortgage.net/realEstate/View%20Newberg%20Homes/Newberg%20Starter%20Home%20%20_%209064974/images/housePics/25/6.jpg" alt="" /></a></td> </tr> </tbody> </table> <div style="text-align: center;">Check out more pictures of this house by <span style="font-size: medium;"><a href="http://www.pdx-mortgage.com/realEstate/View%20Yamhill%20County%20Homes/Newberg%20Starter%20Home%20%20_%209064974/"><br /> CLICKING HERE!</a></span></div> <p style="text-align: center;"><span style="font-size: medium;">Beautiful 3 bedroom, 2 bath home close to a community park and downtown. Pictures and words do not do this home justice. <br /> This is a MUST SEE.<br /> <br /> <strong>Newberg</strong> is an excellent town for <strong>first time homebuyers</strong>. It is a beautiful, small town at the entrance to Yamhill County's wine country. Home to George Fox University, it is not that far from Portland, Salem or the Oregon Coast. Close enough to Portland to tsake advantage of all Portland has to offer, but far enough away for home prices to be reasonable.<br /> </span></p> <p style="text-align: center;">Listed by:<br /> <br /> <span style="font-size: larger;"><strong>Todd and Leslie McCabe<br /> John L Scott Real Estate </strong></span></p> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/recommendedProfessionals/Todd%20and%20Leslie%20McCabe/" target="Todd McCabe"><span style="font-size: large;">Contact Broker</span><span style="font-size: large;"> </span></a></p> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/forms/purchaseAssistant.html"><span style="font-size: medium;"><br /> </span></a></p> <p style="text-align: center;"><strong>Newberg First Time Home Buyers</strong> are able to purchase a home with: <br /> 1<strong>00% Financing</strong> with NO monthly Mortgage Insurance<br /> <strong>$0 Down Payment</strong><br /> Up to <strong>6% Seller Concessions</strong> that can be applied towards your Closing Costs.<br /> Simplified Appraisal Process<br /> <br /> There are Income Qualifiers. You can't make to much or to little.</p> <p style="text-align: center;"><span style="font-size: larger;"><span style="color: #ff0000;"><a href="http://www.pdx-mortgage.com/forms/purchaseAssistant.html" title="Oregon USDA Home Loans" target="_blank"><span style="font-size: medium;">Find out if YOU qualify.. </span></a></span></span></p> <h2 style="text-align: center;"> </h2> <p style="text-align: center;"><span style="font-size: medium;">Get Pre-Approved today!!<br /> OR<br /> Local Clients Call<strong>: </strong>503-421-0096<br /> Not in the Area? Call: 1-888-660-2842 and Ask for Larry</span></p> <p style="text-align: center;"> </p> <p style="text-align: center;"><span style="font-size: medium;">View all of our </span><a href="http://www.pdx-mortgage.com/realEstate/" title="Oregon Featured Homes" target="_blank"><span style="font-size: medium;">FEATURED HOMES </span></a><span style="font-size: medium;">here!!</span></p> <p style="text-align: center;">Use our <a href="http://www.pdx-mortgage.com/forms/findAHome.html" title="Oregon MLS Access" target="_blank">FREE Search Engine </a>to find your Oregon Home.<br /> <br /> <a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/" target="_blank"><img src="http://pdx-mortgage.net/images/misc/LoanSifter.png" height="60" alt="" width="468" /></a></p> <h3 style="text-align: center;"> </h3> <ul> <li class="lastItem"><img src="http://pdx-mortgage.net/images/misc/HUDsm.jpg" alt="www.PDX-Mortgage.com" style="width: 66px; height: 68px;" /></li> </ul> <p> </p><div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Sun, 06 Sep 2009 01:59:02 -0500 http://oregon-mortgage-news.com/post/1226630/newberg-oregon-starter-home-9064974 http://oregon-mortgage-news.com/post/1226494/forest-grove-starter-home Forest Grove Starter Home <h3 style="text-align: center;"> Forest Grove Starter Home<br /></h3> <p style="text-align: center;"><span style="font-size: larger;"> Remodelled 1910 Farm House<br /> in Forest Grove, Oregon</span><span style="font-size: larger;"></span></p> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/realEstate/View%20All%20Featured%20Listings/Newberg%20Single%20Family%20Residence/"><span id="1230592002385S" style="display: none;"> </span></a><a href="http://www.pdx-mortgage.com/realEstate/View%20Washington%20County%20Homes/Forest%20Grove%201st%20Time%20Home%20Buyer/" title="2503 A St Forest Grove OR 97116" target="_blank"><span style="font-size: medium;">2503 A St, Forest Grove, OR 97116</span></a> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"><strong> This Home now qualifies for 100% Financing!!</strong></p> <p style="text-align: center;">The USDA has loosened their guidelines recently to allow Forest Grove to qualify under the <a href="http://www.pdx-mortgage.com/loanOptions/USDA%20Guaranteed%20Home%20Loans%20for%20Rural%20Oregon/Oregon%20USDA%20Loans/" title="Oregon USDA Home Loans" target="_blank"><strong>USDA Guaranteed Rural Home Loan</strong></a> program<br /></p> <h3 style="text-align: center;"> </h3> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/realEstate/View%20Washington%20County%20Homes/Forest%20Grove%201st%20Time%20Home%20Buyer/"><img src="http://www.pdx-mortgage.com/realEstate/View%20Washington%20County%20Homes/Forest%20Grove%201st%20Time%20Home%20Buyer/images/housePics/23/1.jpg" id="currentImage" alt="current image" /></a></p> <p style="text-align: center;">Check out more pictures of this house by</p> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/realEstate/View%20Washington%20County%20Homes/Forest%20Grove%201st%20Time%20Home%20Buyer/" title="Forest Grove 1st Time Homebuyer" target="_blank"><span style="font-size: medium;">CLICKING HERE!</span></a></p> <p style="text-align: center;"><span style="font-size: medium;">Beautiful 3 bedroom, 2 bath home close to Pacific University, downtown, quaint shops and parks. Pictures and words do not do this home justuce. <br /> This is a MUST SEE.<br /> <br /> Forest Grove is a beautiful, small town at the base of the Oregon Coast Range. It is not that far from Portland or the Oregon Coast.<br /> </span></p> <p style="text-align: center;"> Listed by:<br /> <br /> <span style="font-size: larger;"><strong>Todd and Leslie McCabe<br /> John L Scott Real Estate </strong></span></p> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/recommendedProfessionals/Our%20Recommended%20Sherwood%20Oregon%20Realtor/" title="Todd and Lelsie McCabe" target="_blank"><span style="font-size: large;">Contact Broker</span></a><span style="font-size: large;"> </span></p> <p style="text-align: center;"><a href="http://www.pdx-mortgage.com/forms/purchaseAssistant.html"><span style="font-size: medium;"><br /> </span></a></p> <p style="text-align: center;"><strong>Forest Grove First Time Home Buyers</strong> are now able to purchase a home with: <br /> 1<strong>00% Financing</strong> with NO monthly Mortgage Insurance<br /> <strong>$0 Down Payment</strong><br /> Up to <strong>6% Seller Concessions</strong> that can be applied towards your Closing Costs.<br /> Simplified Appraisal Process<br /> <br /> There are Income Qualifiers. You can't make to much or to little.</p> <p style="text-align: center;"><span style="font-size: larger;"><span style="color: #ff0000;"><a href="http://www.pdx-mortgage.com/USDA_Guaranteed_Home_Loans.html" title="Oregon USDA Home Loans" target="_blank"><span style="font-size: medium;">Find out if YOU qualify.. </span></a></span></span></p> <h2 style="text-align: center;"><br /> <a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/" title="Instant Oregon Rate Quote" target="_blank"><img src="http://pdx-mortgage.com/images/misc/LoanSifter.png" height="60" alt="Oregon Mortgage Rate Quote" width="468" /></a></h2> <p style="text-align: center;"><span style="font-size: medium;">Get Pre-Approved today!!<br /> OR<br /> Local Clients Call<strong>: </strong>503-421-0096<br /> Not in the Area? Call: 1-888-660-2842 and Ask for Larry</span></p> <p style="text-align: center;"> </p> <p style="text-align: center;"><span style="font-size: medium;">View all of our </span><a href="http://www.pdx-mortgage.com/realEstate/" title="Oregon Featured Homes" target="_blank"><span style="font-size: medium;">FEATURED HOMES </span></a><span style="font-size: medium;">here!!</span></p> <p style="text-align: center;"> Use our <a href="http://www.pdx-mortgage.com/forms/findAHome.html" title="Oregon MLS Access" target="_blank">FREE Search Engine </a>to find your Oregon Home.</p> <h3 style="text-align: center;"> </h3> <ul> <li class="lastItem"><img src="http://www.pdx-mortgage.com/images/ehlfooter.jpg" alt="" /></li> </ul> <p> </p>  <div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Sat, 05 Sep 2009 21:24:55 -0500 http://oregon-mortgage-news.com/post/1226494/forest-grove-starter-home http://oregon-mortgage-news.com/post/1226396/central-oregon-riverfront-property-on-pringle-falls Central Oregon Riverfront Property on Pringle Falls <p> </p> <p style="text-align: center;"><strong>Central Oregon Riverfront Property on Pringle Falls</strong></p> <p style="text-align: left;"><strong>Thesa Chambers</strong>, my go to r<strong>eal estate professional in Central Oregon</strong>, has a wonderful listing on <strong>The Big Deschutes River</strong>. Located in a cute community of <strong>Wild River</strong>, this home is a must see.</p> <p style="text-align: left;">One of my dreams is to<strong> o</strong><strong>wn a riverfront home</strong>. Especially on a super Trout stream like <strong>The Big Deschutes River</strong>. I can just imagine waking up in the morning and taking my fly fishing pole out for a quick fish before work, and then having a cup of coffee on the deck with the sound of <strong>Pringle Falls</strong> and <strong>The Big Deschutes River</strong> comforting me.</p> <p style="text-align: left;">As Thesa says, this is one of the <strong>best real estate deals in Central Oregon</strong> at $239,900.</p> <p style="text-align: left;">Oh, did I mention that the community is wired? Make this your home office and telecommute!</p> <p style="text-align: left;">If you are looking for a home to live in, financing is available through the <strong>USDA Guaranteed Rural Home Loan</strong> program at 100% with no monthly mortgage insurance. <a href="http://www.pdx-mortgage.net/loanOptions/USDA%20Guaranteed%20Home%20Loans%20for%20Rural%20Oregon/Oregon%20USDA%20Loans/" title="USDA Loans" target="_blank">Click here for more info on the USDA program</a>.</p> <p style="text-align: left;">If your income disqualifies you from the USDA program, the <strong>FHA </strong>has financing with 3 1/2% down. <a href="http://www.pdx-mortgage.net/loanOptions/FHA%20Loans%20in%20Oregon/Oregon%20FHA%20Home%20Loans/" title="FHA" target="_blank">Click here for more info on the FHA loan</a>.</p> <p style="text-align: left;">For a 2nd home, you will need a little more cash down, but rates are still historically low!!</p> <p style="text-align: left;">Better hurry on this one. I'm tempted to make an offer myself!!</p> <p style="text-align: left;">Call me for the financing of this great property.</p> <p> </p> <div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/1216049/riverfront-home-on-pringle-falls-hear-the-river-">Central Oregon Real Estate | Broker Thesa Chambers, Licensed in Oregon (RE/MAX Sunset Realty La Pine)</a></b>:<br/><blockquote><p>Central Oregon is known for it's beauty and versatility.  You can obtain just about any type of property you want in Central Oregon (no ocean view though).  One of the most popular property searches is for <strong>riverfront property in Central Oregon</strong>. </p> <p>Most of the <strong>River Front Homes</strong> for sale in Central Oregon are on <strong>The Big Deschutes or Little Deschutes Rivers</strong>.  There is a great community on <strong>The Big Deschutes River</strong> called <strong>Wild River</strong>.  The name comes from the section of the river these homes are located.  <strong>Pringle Falls </strong>has the appearance of a fast rapid and makes the <strong>river wild </strong>in the area.</p> <p>This home on <strong>Wild River Way</strong> is currently being offered at $239,900 and I personally believe it is one of the best deals in Central Oregon.  For more information please contact me.</p> <p> <object height="340" width="560"> <param name="movie" value="http://www.youtube.com/v/FmpLl9d22Jc&hl=en&fs=1&rel=0&color1=0x2b405b&color2=0x6b8ab6" /> <param name="allowFullScreen" value="true" /> <param name="allowscriptaccess" value="always" /><embed allowfullscreen="true" src="http://www.youtube.com/v/FmpLl9d22Jc&hl=en&fs=1&rel=0&color1=0x2b405b&color2=0x6b8ab6" type="application/x-shockwave-flash" allowscriptaccess="always" height="340" width="560"></embed> </object> </p></blockquote></div><div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Sat, 05 Sep 2009 19:21:37 -0500 http://oregon-mortgage-news.com/post/1226396/central-oregon-riverfront-property-on-pringle-falls http://oregon-mortgage-news.com/post/1225571/oregon-real-estate-internet-marketing Oregon Real Estate Internet Marketing <p style="text-align: center;"><strong><span style="font-size: x-large;">Your Oregon Real Estate Internet Marketing Guide</span></strong></p> <table cellspacing="0" border="0" cellpadding="0" width="100%"> <tbody> <tr> <td width="75%"> <p style="text-align: center;"><strong><span style="font-size: x-large;">ActiveRain can help YOU dominate your local real estate market!</span></strong></p> </td> <td>;</td> <td width="25%"> <h1> </h1> <img src="http://pdx-mortgage.com/images/misc/photo1.jpg" alt="" style="width: 204px; height: 152px;" /></td> </tr> <tr> <td> <p>The premier <strong>Real Estate Social Media</strong> site, ActiveRain can supercharge your <strong>Internet marketing for Oregon Real Estate</strong>. With over 157,000 members, two million visitors monthly and world class training from your peers on what works and doesn't work in our ever changing industry, ActiveRain can transform your <strong>Oregon Real Estate</strong> related business like it has for countless others.</p> <p>Whether an <strong>Oregon Realtor, mortgage broker, appraiser, inspector or what not</strong>, if your income is derived through the sale or financing of a home in Oregon, ActiveRain can help you. Your <strong>Oregon ActiveRain Guide </strong>has been setup to help you maximize your<strong> Oregon ActiveRain</strong> experience.</p> <p>There are a lot of<strong> Real Estate professionals in Oregon </strong>and I'm sure that you know how hard it is to get your listings in front of your prospective Oregon home buyers.</p> <h2>Google Juice</h2> <p>SEO (Search Engine Optimization) is a key component to any serious <strong>Internet marketing for the Oregon Real Estate professional</strong>. The search engines at Google, the worlds largest search provider, love ActiveRain! Since it's membership is so large and focused on the same thing you are focused on, Real Estate, it is not uncommon for a new post to be on the front page of google very quickly.</p> <h2>Lasting Power</h2> <p>What I bring to the table, for you my prospetive partner, is the advanced training that ActiveRain has provided on how to get your listings, and blogs on page 1 AND KEEP THEM THERE!! <br /> <br /> I trust that if I help you dominate your local market and earn more money, you will give me an opportunity to become one of your Trusted Mortgage Brokers.<br /> <br /> Even if you are an experienced blogger, SEO genius or currently have an ActiveRain account, are you consistently on page 1 of google for your local city or neighborhood? Do your posts stay there for more then a few days?</p> <p><strong>Learn how to dominate your local Oregon Real Estate market with a supercharged ActiveRain account!</strong></p> <p>If you are not using an ActiveRain outside blog correctly, you should be. For aboout $1 per day, and some advanced tips and tools, you really can't afford not to be.<br /> <br /> Call or email me today!<br /> <br /> Better yet, complete the form to the right and tell me if you:</p> <ul> <li>I don't have an ActiveRain Account but am interested in learning how to dominate my local market.</li> <li>I already have an ActiveRain account but need an OutSide Blog</li> <li>I already have an ActiveRain outside blog but realize I need help and would like to partner with you.<br /> <br /> <br /> <br /> <br /> </li> </ul> </td> <td> </td> <td> <div id="widget"> <p>Signup below for our newsletter or to learn how you can get FREE personal training on how you can use ActiveRain to dominate your local Real state market.</p> <iframe src="https://app.oprius.com/webWidgets/1db3179f508245285ef9c8b744e274c1489951ac/subscribeContact" id="widgetContentFrame" height="632px" frameborder="0" width="195px" scrolling="no"></iframe></div> </td> </tr> </tbody> </table> <br /> <p> </tbody> </table> <p> </p> <p> </p><div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Sat, 05 Sep 2009 01:47:32 -0500 http://oregon-mortgage-news.com/post/1225571/oregon-real-estate-internet-marketing http://oregon-mortgage-news.com/post/1218824/scary-reverse-directory-please-have-a-look-if-you-have-children-at-home- Scary...Reverse Directory, Please have a look if you have children at home. <p><p>Steve Loynd just posted a very interesting perspective on what I thought was a good tool. I've used the Reverse Directory on Google and others to locate the phone numbers or addresses of people who respond to leads, or who call in.</p> <p>But Steve brought up the fact that this tool can also be used by predators against our kids if they give the number out. Why they even get a nice map with directions.</p> <p>In Kindergarden last year our son was taught to memorize his address and phone number in case he got lost. I've also seen many sports team directories with kids name, parents name address and phone number. Many will leave the address off, but do have a phone number.</p> <p>I followed Steve's advice and clicked on my phone number in Google and opted both my wife and I out. I then went to all of the other sites Google listed and easily opted out of all but one. One required me to send a copy of my Drivers License (face and BDate blacked out) and up to 4 weeks to get it removed. Their stance is that it is public records...</p> <p>I checked both my wife and my cell phone numbers and they did not trck back to names or addresses.</p> <p>Looks like we should be teaching our kids our cell phone numbers...</p></p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/1218731/scary-reverse-directory-please-have-a-look-if-you-have-children-at-home-">Steve Loynd, Alpine Lakes Real Estate Inc., Loon Mt, NH.</a></b>:<br/><blockquote><p> </p> <div><strong style="font-weight: bold; font-size: 16px; font-family: Arial;"><span style="font-weight: bold; font-size: 16px; font-family: Arial;"><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">Google has implemented a new feature which enables you to type a </span><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">telephone number into the search bar, hit enter, and you will be given </span><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">the person's name and address. </span></span></strong></div> <div><strong style="font-weight: bold; font-size: 16px; font-family: Arial;"><span style="font-weight: bold; font-size: 16px; font-family: Arial;"><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">If you then hit Map, you will get a </span><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">map to the person's house. </span><br style="font-weight: bold; font-size: 16px; font-family: Arial;" /><br style="font-weight: bold; font-size: 16px; font-family: Arial;" /><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">Everyone should be aware of this! It's a nationwide reverse telephone </span><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">book. If a child gives out his/her phone number, someone can now look it </span><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">up to find out where he/she lives. The safety issues are obvious, and </span><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">alarming. </span></span></strong><br style="font-size: 16px; font-family: Arial;" /><strong style="font-weight: bold; font-size: 16px; font-family: Arial;"><span style="font-weight: bold; font-size: 16px; font-family: Arial;"><br style="font-weight: bold; font-size: 16px; font-family: Arial;" /><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">Note that you can have your phone number removed or blocked. I tried my </span><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">number, and it did come up, I clicked map and Mapquest gave directions </span><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">directly to the house. Quite scary. Please look up your own number. </span></span></strong></div> <div><strong style="font-weight: bold; font-size: 16px; font-family: Arial;"></strong> </div> <div><strong style="font-weight: bold; font-size: 16px; font-family: Arial;"><span style="font-weight: bold; font-size: 16px; font-family: Arial;"><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">In order to test whether your phone number is mapped, go to: </span></span></strong><a href="http://www.google.com/" title="http://www.google.com/" rel="nofollow" target="_blank"><strong style="font-weight: bold; font-size: 16px; color: #0000ee; font-family: Arial;"><span style="font-weight: bold; font-size: 16px; font-family: Arial; color: #0000ee;"><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial; color: #0000ee;">www.google.com</span></span></strong></a><strong style="font-weight: bold; font-size: 16px; font-family: Arial;"><span style="font-weight: bold; font-size: 16px; font-family: Arial;"><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;"> </span></span></strong></div> <div><span style="font-weight: bold; font-size: 16px; font-family: Arial;"><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">Type <span style="text-decoration: underline;">your</span> phone number in the search bar (i.e. 555-555-1212) and hit enter. </span></span><span style="font-family: Arial; font-size: x-small;"><span style="font-size: 13px; font-family: Arial;"><br style="font-size: 13px; font-family: Arial;" /></span></span><strong style="font-weight: bold; font-size: 16px; font-family: Arial;"><span style="font-weight: bold; font-size: 16px; font-family: Arial;"><br style="font-weight: bold; font-size: 16px; font-family: Arial;" /><span class="Apple-style-span" style="font-weight: bold; font-size: 16px; font-family: Arial;">If you want to B L O C K Google from divulging your private information, simply click on your telephone number and then click on the Removal Form. Removal takes 48 hours. Please share this information with friends and family.</span></span></strong></div></blockquote></div><div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Mon, 31 Aug 2009 16:02:37 -0500 http://oregon-mortgage-news.com/post/1218824/scary-reverse-directory-please-have-a-look-if-you-have-children-at-home- http://oregon-mortgage-news.com/post/1216162/sherwood-oregon-home-values-september-2009 Sherwood Oregon Home Values September 2009 <h1 style="text-align: center;">Sherwood Oregon Real Estate Update</h1> <h1 style="text-align: center;">September 2009</h1> <p><br /> <img title="www.SherwoodHomeLoans.com" src="http://activerain.com/image_store/uploads/7/1/0/0/4/ar125157493740017.jpg" height="246" alt="www.SherwoodHomeLoans.com" style="float: right;" width="326" /><strong>Sherwood</strong> has been and continues to be a desirable place to live. <br /> <br /> In 2007 Money Magazine voted <strong>Sherwood</strong> as the<a href="http://money.cnn.com/galleries/2007/moneymag/0707/gallery.BPTL_top_100.moneymag/18.html" target="_blank"><strong>18th Best Place</strong><strong> to Live</strong></a>. <em>" Like much of the Northwest, Sherwood is home to an array of beautiful parks and natural beauty. But the quickly growing commercial sites of <strong>Sherwood</strong> offer true insight into the town's character: a juxtaposition of old and new, with reverence toward both the city's historic past and its bright, expanding future. The community events calendar is always full and the town's location makes for a fairly easy commute to nearby Portland. A.B.</em>"<br /> <br /> In August of 2009 Family Circle declared <strong>Sherwood</strong> as one of the <strong>Top 10 Best Cities for Families</strong>. The <a href="http://www.sherwoodgazette.com/news/story.php?story_id=124645431099102100" target="_blank">Sherwood Gazette</a> wrote "<em>The magazine stated that each of the towns honored contained forward-thinking leaders, parents, teachers and students who are passionate about their hometown, dedicated to bettering their children's futures and involved in advancing their local school systems as exemplified by the implementation of such programs as partnering with local government in providing recreational amenities, private medical groups to ensure treatment for students who don't have health insurance and integrating dual language classes in grade school."</em><br /> <br /> <br /> <strong>Sherwood</strong> has seen some of the fastest growth in the state of Oregon, and most of it has been residential homes. People moved to Sherwood to live, not necessarily to work. With the economy tanking, many homes went into foreclosure and people moved out. This left us with a lot of stagnant properties that until recently, weren't moving.<br /> <br /> But there seems to be some positive news according to Zillow. Below is a chart of their <strong>estimated home values from June of 2008 through May 2009</strong>. From what I have seen, we can expect even better numbers for June and July.</p> <table cellspacing="0" border="0" cellpadding="0" style="border-collapse: collapse; width: 358pt;" width="477"> <tbody> <tr height="17" style="height: 12.75pt;"> <div style="text-align: center;"> </div> <td height="17" style="height: 12.75pt; width: 48pt;" width="64"> </td> <div style="text-align: center;"> </div> <td class="xl70" style="width: 310pt;" width="413"><strong>Zillow Home Value Index</strong></td> </tr> <tr height="58" style="height: 43.5pt;"> <td class="xl67" height="58" style="height: 43.5pt; width: 48pt;" width="64"><strong>Type</strong></td> <td class="xl69" style="width: 46pt;" width="61"><strong>Current</strong></td> <td class="xl67" style="width: 89pt;" width="119"><strong>Month Over Month</strong></td> <td class="xl67" style="width: 102pt;" width="136"><strong>Quarter Over Quarter</strong></td> <td class="xl68" style="width: 73pt;" width="97"><strong>Year Over Year</strong></td> </tr> <tr height="17" style="height: 12.75pt;"> <td height="17" style="height: 12.75pt;"><strong>All Homes</strong></td> <td class="xl66">$269,600</td> <td class="xl65"><span style="color: #ff0000;">-0..37%</span></td> <td class="xl65"><span style="color: #ff0000;">-1.34%</span></td> <td class="xl65"><span style="color: #ff0000;">-12.89%</td> </tr> <tr height="17" style="height: 12.75pt;"> <td height="17" style="height: 12.75pt;"><strong>Single Fam</strong></td> <td class="xl66">$269,600</td> <td class="xl65"><span style="color: #ff0000;">-0.29%</span></td> <td class="xl65">-<span style="color: #ff0000;">1.10%</span></td> <td class="xl65"><span style="color: #ff0000;">-11.92%</td> </tr> <tr height="17" style="height: 12.75pt;"> <td height="17" style="height: 12.75pt;"><strong>Condo</strong></td> <td class="xl66">$174,600</td> <td class="xl65"><span style="color: #ff0000;">-0.29%</span></td> <td class="xl65"><span style="color: #ff0000;">-1.24%</span></td> <td class="xl65"><span style="color: #ff0000;">-12.24%</td> </tr> <tr height="17" style="height: 12.75pt;"> <td height="17" style="height: 12.75pt;"><strong>Two Bed</strong></td> <td class="xl66">$174,500</td> <td class="xl65"><span style="color: #ff0000;">-1.10%</span></td> <td class="xl65"><span style="color: #ff0000;">-3.60%</td> <td class="xl65"><span style="color: #ff0000;">-19.44%</td> </tr> <tr height="17" style="height: 12.75pt;"> <td height="17" style="height: 12.75pt;"><strong>Three Bed</strong></td> <td class="xl66">$244,300</td> <td class="xl65"><span style="color: #ff0000;">-0.50%</span></td> <td class="xl65"><span style="color: #ff0000;">-1.69%</td> <td class="xl65"><span style="color: #ff0000;">-13.34%</td> </tr> <tr height="17" style="height: 12.75pt;"> <td height="17" style="height: 12.75pt;"><strong>Many Bed</strong></td> <td class="xl66">$378,200</td> <td class="xl65">0.03%</td> <td class="xl65"><span style="color: #ff0000;">-0.28%</span></td> <td class="xl65"><span style="color: #ff0000;">-10.57%</td> </tr> </tbody> </table> <p><br /> <br /> It's interesting to note that the <strong>Sherwood</strong>, excluding the more expensive homes, saw an across the board decreaase in value this month. I don't place a lot of stock in it as our market is small enough that 1 or 2 sales can skew the numbers. Plus, what I am seeing is that the under $250,000 market is still hot. Look for an increase in next months values as sales close. <br /> <br /> But the good news is that each of these segments has less deterioation Quarter Over Quarter. While we aren't positive this month, it still beats double digit depreciation!.<br /> <br /> It appears that the worst is over in <strong>Sherwood!</strong>!<br /> <br /> Buyers, you better get busy!! <strong>100% financing</strong> is still available through the <a href="http://www.pdx-mortgage.com/loanOptions/USDA%20Guaranteed%20Home%20Loans%20for%20Rural%20Oregon/Oregon%20USDA%20Loans/" target="_blank"><strong>USDA Guaranteed Rural Home Loan</strong> </a>program, as well as <a href="http://www.pdx-mortgage.com/loanOptions/FHA%20Loans%20in%20Oregon/Oregon%20FHA%20Home%20Loans/" target="_blank"><strong>3.5% down with the FHA</strong></a>. For more information on both of these programs cllick on the above links, or follow this link to an article on <a href="http://activerain.com/blogsview/1177198/sherwood-oregon-1st-time-home-buyer-financing" title="www.SherwoodHomeLoans.com" target="_blank"><strong>First Time Home Buyer Financing in Sherwood</strong></a>.<br /> <br /> The <strong>$8000 Tax Credit is disappearing </strong>in a few months, so there is no better time than now to buy a home!! We are having an <strong><a href="http://activerain.com/blogsview/1211018/sherwood-oregon-first-time-home-buyer-seminar-and-the-8000-tax-credit" target="_blank">Oregon First Time Home Buyer Seminar</a></strong> soon, so ya better call!!<br /> <br /> Whether you are a <strong>First Time Home Buyer</strong>, or moving up to your next home, call me to get started, or <a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/" target="_blank">click here to fill out a short form</a> and I'll call you right back..</p> <p> </p> <p>I work with some of the <strong><a href="http://www.pdx-mortgage.com/recommendedProfessionals/Preferred%20Sherwood%20Oregon%20Realtors/" title="Sherwood Oregon Realtors" target="_blank">BEST Realtors in Sherwood</a>!</strong>!</p> <p> </p> <p> </p><div class='agent_signature'><p><em>Larry Morris is a Certified Mortgage Planning Specialist and Certified Mortgage Coach with Golf Savings Bank in Beaverton, Oregon. He specializes in USDA Guaranteed Rural Home Loans, FHA Purchase and Refinance, FHA 203k Rehab loans, FannieMae HomePath loans and conforming purchase and refinances in the states of Oregon, Washington, Idaho and California.</em></p> <p><em>He can be reached at 503-421-0096, or larry@PDX-Mortgage.com.</em></p> <p><em><a href="http://www.PDX-Mortgage.com">www.PDX-Mortgage.com</a></em></p> <div style="text-align: center;"><span style="color: #000055; font-size: 20px; font-weight: bold;"><a href="http://www.pdx-mortgage.com/loanOptions/Rate%20Tracker/Get%20Your%20Instant%20Quote/"></a></span></div> <p> </p> <p><img style="float: left;" src="http://activerain.com/image_store/uploads/8/1/4/9/9/ar126759456499418.jpg" alt="" width="75" height="75" /><img style="float: right;" title="HUD" src="http://activerain.com/image_store/uploads/7/4/5/6/5/ar125175427556547.jpg" alt="HUD" width="50" height="53" /></p></div> Larry Morris, Oregon Mortgages (Golf Savings Bank) Sat, 29 Aug 2009 14:54:25 -0500 http://oregon-mortgage-news.com/post/1216162/sherwood-oregon-home-values-september-2009