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The Latest in the Mortgage Industry: Our March 2008 Mortgage Update.
2008-03-20 21:12:00
After the mortgage meltdown of 2007, the industry is continuing to feel the pinch. Lenders aren’t the only losers in the game; mortgage insurance companies are now facing their own storm of troubles. About 10% of all current mortgages have mortgage insurance, and when borrowers fail to make their payments, it is the insurance companies who step up to fork out the dough. With foreclosure rates continuing to skyrocket, insurance claims continue to reach all time highs. Last week I received word that MGIC, the largest and most used mortgage insurance company in the nation, would probably be cutting their mortgage insurance coverage for owner-occupied loans with ltv’s (loan-to-value ratios) greater than 95% on 3/1/08. With the practical extinction of piggyback 2nds, what this means is that borrowers are going to have to start putting 5% down if they want to buy a home. Lenders are already starting to react, as I just received an email from US Bank that effective tomorrow they will n...
More About: Industry , Mortgage , Update , March , March 2008

Improve or Repair Your Credit: 9 Tips to Increase Your Score
2008-03-12 18:18:00
This article gives you 9 useful tips to improve your credit score, plus information on repairing your credit.
More About: Credit , Tips , Improve , Score , Repair

Credit Score the Mystery Number: 5 Things That Determine Your Score
2008-03-08 04:05:00
Your credit score may seem complicated but it's good to understand how the scoring works. What effects your credit score? This article talks about the main categories that grade your score and how much they affect it.
More About: Credit , Mystery , Things , Score , Number

Portland Metro Area Home Sales: January 2008 House Market Report.
2008-02-21 03:40:00
Homes sales in the Portland Metro Area have continued to decline since the end of 2007.  Our market has shifted and is now considered a ?buyers market?. A ?buyers market? occurs when the number of sellers is greater than buyers. Active listings are up 11.9% compared to January 2007 but closed sales are down 31.9% and pending sales fell ...
More About: House , Market , Sales , Home , Report

Should I refinance my home? Are Discount Points a Smart Choice?
2007-08-31 22:59:00
Refinancing your home is often a good financial decision. Here some common questions that homeowners ask me about refinancing, including when to refinance your home, whether to buy discount points, and locking in rates.
More About: Home , Smart , Choice , Refinance , Points

Portland Metro Area Home Sales: Our July 2007 House Market Report
2007-08-24 22:18:00
Real estate sales in the Portland area have continued to slow since last month. Much of this may be caused from the many mortgage lenders who have gone out of business. Active listings are up 55% compared to this time last year. Right now there are 14,831 residential homes for sale in Portland and the surrounding ...
More About: House , Market , Sales , Home , Report

Mortgage Crisis in the US: The Lowdown on Lender Meltdowns
2007-08-23 21:22:00
Mortgage lenders across the US are going out of business and a massive credit crunch is sweeping the nation. What went wrong? Read how subprime and alt-a loans have affected the financial stability of lenders, and where the mortgage loan market is heading.
More About: Mortgage , Crisis , The U , Lend , Cris

Downtown Bend Oregon: Historic Homes, Shopping, and Dining
2007-08-22 23:00:00
Downtown Bend features fine restaurants, great shopping, and a lovely old-world atmosphere. Condos, Bungalows, and Cottages are all close by, and Bend's historic homes are sometimes put on the real estate market as well. Contact Kari Kryder for more information on Homes in Bend.
More About: Shopping , Cities , Downtown , Oregon , Historic

Types of Mortgages Explained: Conventional, VA, FHA, and more
2007-08-21 21:49:00
There are many different types of home loans available today, and not all mortgages are right for every home buyer. This article will help you understand different types of mortgages, including conventional mortgages, VA loans, FHA loans, adjustable rate mortgages, balloon mortgages, interest only loans, fixed-rate mortgages and more.
More About: Mortgages , Types , Laine , Mort , Ages

Three Rivers South (Sunriver): An Oregon Vacation Home Destination
2007-08-17 00:26:00
Interested in a permanent residence or vacation property in Sunriver? Three Rivers South (Sunriver) has many options and price ranges to choose from, with stick built homes, manufactured homes, luxury homes, townhouses and condos. Read more about Three Rivers South.
More About: Home , Vacation , Cities , Oregon

The Best and Worst Loan Program: Option-ARM Mortgages
2007-08-15 21:27:00
You've probably heard about a type of mortgage with extremely low rates, known as an option-ARM. But what is an option-ARM, really? This article explains how adjustable rate mortgages work, and what to watch out for with an option-ARM.
More About: Loan , Mortgages , Program , Gram , Mort

The Time to Buy a Home is Now: Find Great Deals in Bend Oregon
2007-08-08 21:35:00
Want to buy a home in Bend, Oregon ? Looking for a great deal on a house? A buyer's agent can save you money on your next home purchase by finding owners willing to negotiate on price. Contact Bend real estate agent Kari Kryder for a great deal on a house in Bend.
More About: Time , Home , Great , Find

Zero Down Financing: Piggyback Loans and Mortgage Insurance
2007-08-07 21:37:00
Getting a zero down home loan in Oregon is possible with two types of loans: the 80/20 combo loan (piggyback mortgage) and the 100% loan with mortgage insurance (MI). Read more about mortgage insurance, piggyback loans, and how to buy a home in Oregon with no down payment.
More About: Insurance , Financing , Loans , Mortgage , Mortgage Insurance

Street of Dreams 2007: 6 Stunning Homes in Oregon City
2007-08-03 21:42:00
The 2007 Street of Dreams is being held in Oregon City at Marklund Place. There?s no doubt that it’s an incredible location for the 32nd Annual Street of Dreams, since it boasts stunning views of Mt Hood, Mt Adams and the Columbia Gorge?when the weather?s clear, of course. Each home featured in the 2007 Street of Dreams ...
More About: Homes

Homes in Terrebonne: Central Oregon Properties with Room to Spare
2007-08-02 21:17:00
Homes in Terrebonne Oregon feature great views and wide open living. Buy a house in Terrebonne with room for a horse, a pasture, or just to enjoy the great outdoors. If you're moving to Central Oregon, Terrebonne has the right property for your lifestyle.
More About: Homes , Room , Central Oregon

How will I be Taxed on my Home? 4 Ways to handle Taxes from the Sale
2007-07-31 20:02:00
Taxes are one of the most commonly misunderstood areas of home ownership, and many people don’t realize they have several tax options when they sell their house. In fact, the government provides those options simply to encourage home ownership by limiting the amount of taxes home owners pay depending on how long they’ve owned their home. ...
More About: Taxes , Home , Sale , Handle

Bend Tour of Homes: The Award Winning House under $500,000
2007-07-30 19:53:00
During the recent tour of homes in Bend , one house stood above the rest. For under $500,000, this house had all the features of a much more expensive home - with an especially beautiful landscaped pond and patio - and just minutes from downtown bend in Westbrook Village.
More About: House , Cities , Tour , Homes

Rate Shopping? Read this Article! 11 Questions your Lender Should Ask
2007-07-28 21:39:00
Before a mortgage broker can tell you what your mortgage rate will be, they need to know a few details. If you're shopping for a home loan, make sure you discuss these issues with your lender - credit score, prepayment penalties, doc type, points, and more.
More About: Shopping , Questions , Article , Read , Lend

Buying a Home in Northwest Bend: Active Living on Bend?s West Side
2007-07-27 21:29:00
Looking to buy a home near the great outdoors? Try Bend, Oregon. Home s in Bend are close to Mt. Bachelor, the Deschutes River, and all the hiking, rafting, biking, and skiing you could want. Buy a house in Awbrey Butte, Northwest Crossing, or Valhalla Heights and experience nature at its finest.
More About: Living , Buying , Cities , West