Refinancing

New HARP loan “HARP 2” + new FHA loan limits 2011

Christmas might be coming early for homeowners in Oregon and Washington!  The Obama administration has been putting pressure on banks to come up with ways to extend opportunities to refinance into lower rates in recent months, and it appears that we’re getting some movement on this finally.  The original HARP loan (aka: Home Affordable Refinance …

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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 …

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

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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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 …

How does the Government shutdown affect mortgages? Read More »

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