Portland

Mortgage Rates for Portland OR: Sept 18th 2013 FED DAY!

HOLEY MOLEY! Anyone reading this is likely aware about the FED’s Taper talk, and why it matters to mortgage rates.   I was cautiously optimistic that we would get a break out of our recent bond trading range after the release of today’s Meeting minutes.  However, I had locked most of my clients prior to …

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Maximum FHA loan amounts for Portland Oregon (and the rest of Oregon)

Everything keeps on changing in the mortgage-verse (that’s a thing right?- like mortgage + universe = mortgageverse?).  One major change that will effect our market is the recent/pending REDUCTION of the maximum allowed FHA mortgage loan amount.  These loan amounts are subject to change every year, but we’ve been lulled into the idea the $417k …

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Low Rates and the Return of Private Mortgage Insurance (PMI)

Its happening again.  Rates are tumbling and tumbling more.  I read recently that avoiding closing costs in a declining rate environment is a wise approach and I completely agree.  By avoiding closing costs two things happen: 1. The net benefit of the improved cash flow is immediately realized, and 2. You are in a position …

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Is this the top of the Portland Real Estate Market?

***SPOILER ALERT*** I’m not an economist, or statistician. I’m a Portland area mortgage lender, and Portland area home owner, as well as a Portland area landlord. So I feel I’m writing this as an interested bystander with a ring side view of the action. My team and I participate in anywhere from 5-15 purchase transactions …

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How does the Government shutdown affect mortgages?

Quick memo here about how the 2013 “partial Government shutdown” will affect those trying to get a mortgage right now.  The short answer is – government shutdown = mortgage shutdown.  I have a few clients who have their loan files getting their final docs to the title company for signing and funding.  THOSE loans will …

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