FHA/USDA/VA and Conventional Mortgage Loan News

I have been in the blogging business for several years now and have done the majority of my internet marketing by writing articles that pertain to the subject that I work with, in the case of this blog, FHA mortgage loans for residents of Oregon.

Today, I am trying something different. I have done all of my Search Engine Optimization (SEO) over the past several years and it has been an uphill battle trying to figure out what Google is going to be doing next. It is necessary to be 100% SEO friendly with your posts.  I read the articles about how to make your website stand out and overall, I have been pretty successful in getting my brand out there by consistently updating my information and continuing to write articles that I feel are relevant to the issues at hand, FHA loans and changes in the mortgage market.

Today, I actually paid to have one of my websites, this one, included in a directory showcasing the information available through the website.  I decided to go with a business web directory, Jasmine Directory, for several reasons, one of them being that they gave me a five deep URL coding on their site. This means that not only is the main URL posted on the directory, but five other included URLs are also posted. 

I looked over their site and was impressed with what it had to offer. It is W3 css and HTML valid allowing an automatic thumbnail with the listing. Their pricing is also very reasonable. The site itself is very clean and responsive.  I was also intrigued with their comment about how today’s lifestyles can be very time consuming, and it is. They are doing the legwork for us.

Before they accepted my blogsite for inclusion to their directory, they reviewed my site to make sure that it fits into the guidelines for their site, not just because I applied. That gives me a bit more credibility in the marketplace.

I look forward to seeing how the use of the directory will increase the traffic to my website. In today’s marketplace, it is necessary to take advantage of all of the ways to make your site stand out. From what I have seen, this directory could very well be a great way to do that. Please visit www.jasminedirectory.com and let me know what you think of it.

Also, if you are in need of any information about FHA loans, especially in Oregon or Washington, feel free to drop me an e-mail here, or call me at 541-221-3455. I like to help people solve their problems and make the home buying experience easier.

I have been in the blogging business for several years now and have done the majority of my internet marketing by writing articles that pertain to the subject that I work with, in the case of this blog, FHA mortgage loans for residents of Oregon.

Today, I am trying something different. I have done all of my Search Engine Optimization (SEO) over the past several years and it has been an uphill battle trying to figure out what Google is going to be doing next. It is necessary to be 100% SEO friendly with your posts.  I read the articles about how to make your website stand out and overall, I have been pretty successful in getting my brand out there by consistently updating my information and continuing to write articles that I feel are relevant to the issues at hand, FHA loans and changes in the mortgage market.

Today, I actually paid to have one of my websites, this one, included in a directory showcasing the information available through the website.  I decided to go with a business web directory, Jasmine Directory, for several reasons, one of them being that they gave me a five deep URL coding on their site. This means that not only is the main URL posted on the directory, but five other included URLs are also posted. 

I looked over their site and was impressed with what it had to offer. It is W3 css and HTML valid allowing an automatic thumbnail with the listing. Their pricing is also very reasonable. The site itself is very clean and responsive.  I was also intrigued with their comment about how today’s lifestyles can be very time consuming, and it is. They are doing the legwork for us.

Before they accepted my blogsite for inclusion to their directory, they reviewed my site to make sure that it fits into the guidelines for their site, not just because I applied. That gives me a bit more credibility in the marketplace.

I look forward to seeing how the use of the directory will increase the traffic to my website. In today’s marketplace, it is necessary to take advantage of all of the ways to make your site stand out. From what I have seen, this directory could very well be a great way to do that. Please visit www.jasminedirectory.com and let me know what you think of it.

Also, if you are in need of any information about FHA loans, especially in Oregon or Washington, feel free to drop me an e-mail here, or call me at 541-221-3455. I like to help people solve their problems and make the home buying experience easier.

Developing a web presence–Jasmine Directory, a review is a post from: FHA Loans Oregon

I have been in the blogging business for several years now and have done the majority of my internet marketing by writing articles that pertain to the subject that I work with, in the case of this blog, FHA mortgage loans for residents of Oregon.

Today, I am trying something different. I have done all of my Search Engine Optimization (SEO) over the past several years and it has been an uphill battle trying to figure out what Google is going to be doing next. It is necessary to be 100% SEO friendly with your posts.  I read the articles about how to make your website stand out and overall, I have been pretty successful in getting my brand out there by consistently updating my information and continuing to write articles that I feel are relevant to the issues at hand, FHA loans and changes in the mortgage market.

Today, I actually paid to have one of my websites, this one, included in a directory showcasing the information available through the website.  I decided to go with a business web directory, Jasmine Directory, for several reasons, one of them being that they gave me a five deep URL coding on their site. This means that not only is the main URL posted on the directory, but five other included URLs are also posted. 

I looked over their site and was impressed with what it had to offer. It is W3 css and HTML valid allowing an automatic thumbnail with the listing. Their pricing is also very reasonable. The site itself is very clean and responsive.  I was also intrigued with their comment about how today’s lifestyles can be very time consuming, and it is. They are doing the legwork for us.

Before they accepted my blogsite for inclusion to their directory, they reviewed my site to make sure that it fits into the guidelines for their site, not just because I applied. That gives me a bit more credibility in the marketplace.

I look forward to seeing how the use of the directory will increase the traffic to my website. In today’s marketplace, it is necessary to take advantage of all of the ways to make your site stand out. From what I have seen, this directory could very well be a great way to do that. Please visit www.jasminedirectory.com and let me know what you think of it.

Also, if you are in need of any information about FHA loans, especially in Oregon or Washington, feel free to drop me an e-mail here, or call me at 541-221-3455. I like to help people solve their problems and make the home buying experience easier.

Developing a web presence–Jasmine Directory, a review is a post from: FHA Loans Oregon

Refinancing your existing loan may be just the right thing for you to do in today’s market. If you have a conventional, FHA, VA or USDA loan, there are a number of programs available today to help with the refinance process.

It is possible that now is the time to get started on this process, especially since some of the products are just now available and the rates are giving indication that an increase is happening.

As for the products, Desktop Underwriter (DU) just rolled out its new version that will underwrite HARP 2.0 refinances with unlimited loan to value.  Right now, I only have this available for Fannie Mae owned loans, but should be getting more information on Freddie Mac owned loans soon.

The great thing about the HARP 2.0 program is that it allows people with negative equity to take advantage of the historic low interest rates and refinance without concern for the current value of the property, leading to lower payments. The program is part of the drive for helping people stay in their homes.

FHA will be available for streamline refinance with lower mortgage insurance after June 11 and that will make some very major changes in refinancing FHA loans, no appraisal needed. VA will accept a streamline or IRRRL and there are even some lenders that don’t require an appraisal. Unfortunately, I am not one of those. USDA has a test program in effect for refinances that include Oregon properties. It is not currently available in Washington.

When choosing your lender, you have some choices. You can us your bank, a mortgage bank (like us) or mortgage brokers. Depending on your circumstances, any of these choices could be the right one for you. Give me a chance to see if I can earn your business, call me today at 360-682-6913/541-221-3455 cell or send me an e-mail. I am here to help you.

Time to refinance, programs and rate are changing is a post from: Eugene Loan Guy

Refinancing your existing loan may be just the right thing for you to do in today’s market. If you have a conventional, FHA, VA or USDA loan, there are a number of programs available today to help with the refinance process.

It is possible that now is the time to get started on this process, especially since some of the products are just now available and the rates are giving indication that an increase is happening.

As for the products, Desktop Underwriter (DU) just rolled out its new version that will underwrite HARP 2.0 refinances with unlimited loan to value.  Right now, I only have this available for Fannie Mae owned loans, but should be getting more information on Freddie Mac owned loans soon.

FHA will be available for streamline refinance with lower mortgage insurance after June 11 and that will make some very major changes in refinancing FHA loans, no appraisal needed. VA will accept a streamline or IRRRL and there are even some lenders that don’t require an appraisal. Unfortunately, I am not one of those. USDA has a test program in effect for refinances that include Oregon properties. It is not currently available in Washington.

When choosing your lender, you have some choices. You can us your bank, a mortgage bank (like us) or mortgage brokers. Depending on your circumstances, any of these choices could be the right one for you. Give me a chance to see if I can earn your business, call me today at 360-682-6913/541-221-3455 cell or send me an e-mail. I am here to help you.

Time to refinance, programs and rate are changing is a post from: Eugene Loan Guy

The area I live in now has a lot of recreation area and vacation rentals. Oak Harbor and Whidbey Island have a lot of destination areas.

The West Beach area have a number of vacation homes on it and just across the sound there are some amazing fishing areas with resorts. There are several people that have second homes in our area, also Camano Island and Fildago Island. My son and I are fishing in the Anacortes Derby the end of this month and we boat past a number of vacation homes in San Juan Islands, very beautiful islands.

One more idea for second home location could be Turkey. There are some gorgeous properties on this link, Property for sale In Turkey.  The location on the Mediterranean and Aegean Seas make this area fantastic, especially for sun worshipers. Spot Blue is an independent UK based property agent with offices in Turkey. Our Turkey property team specialize in land for sale, apartments and villas throughout Turkey, giving you a greater choice of Turkey Properties.

Wikipedia has this to say about Turkey:

Turkey is a democratic, secular, unitary, constitutional republic with an ancient cultural heritage. Turkey has become increasingly integrated with the West through membership in organizations such as the Council of Europe, NATO, OECD, OSCE and the G-20 major economies. Turkey began full membership negotiations with the European Union in 2005, having been an associate member of the European Economic Community since 1963 and having reached a customs union agreement in 1995.

It is an interesting area with some very beautiful scenery and places to visit. Maybe you should consider what it will take to make this happen. Travel broadens horizons and horizons get wider as you get around. I have always wanted to visit the Mediterranean but my trips always took me the other direction. I have visited several islands in the Trust Territories and Guam, Japan, The Philippines, Republic of China, Thailand and several areas in Mexico. However, I also have several areas in the U.S. that I haven’t visited, including Alaska. Maybe in the days to come, I will relate some of my experiences in visiting the areas of the Pacific rim that I went to. I hope you find it all interesting.

I do handle financing for second homes as long as they are in Oregon or Washington. Call me today to schedule an appointment to discuss the requirements for a second home. You can reach me at 360-682-6913/541-221-3455 Cell.

Recreation, vacation rentals and second homes. is a post from: Eugene Loan Guy

The area I live in now has a lot of recreation area and vacation rentals. Oak Harbor and Whidbey Island have a lot of destination areas.

The West Beach area have a number of vacation homes on it and just across the sound there are some amazing fishing areas with resorts. There are several people that have second homes in our area, also Camano Island and Fildago Island. My son and I are fishing in the Anacortes Derby the end of this month and we boat past a number of vacation homes in San Juan Islands, very beautiful islands.

One more idea for second home location could be Turkey. There are some gorgeous properties on this link, Property for sale In Turkey.  The location on the Mediterranean and Aegean Seas make this area fantastic, especially for sun worshipers. Spot Blue is an independent UK based property agent with offices in Turkey. Our Turkey property team specialize in land for sale, apartments and villas throughout Turkey, giving you a greater choice of Turkey Properties.

Wikipedia has this to say about Turkey:

Turkey is a democratic, secular, unitary, constitutional republic with an ancient cultural heritage. Turkey has become increasingly integrated with the West through membership in organizations such as the Council of Europe, NATO, OECD, OSCE and the G-20 major economies. Turkey began full membership negotiations with the European Union in 2005, having been an associate member of the European Economic Community since 1963 and having reached a customs union agreement in 1995.

It is an interesting area with some very beautiful scenery and places to visit. Maybe you should consider what it will take to make this happen. Travel broadens horizons and horizons get wider as you get around. I have always wanted to visit the Mediterranean but my trips always took me the other direction. I have visited several islands in the Trust Territories and Guam, Japan, The Philippines, Republic of China, Thailand and several areas in Mexico. However, I also have several areas in the U.S. that I haven’t visited, including Alaska. Maybe in the days to come, I will relate some of my experiences in visiting the areas of the Pacific rim that I went to. I hope you find it all interesting.

I do handle financing for second homes as long as they are in Oregon or Washington. Call me today to schedule an appointment to discuss the requirements for a second home. You can reach me at 360-682-6913/541-221-3455 Cell.

Recreation, vacation rentals and second homes. is a post from: Eugene Loan Guy

Continuing on a tour of property around Turkey, today I am going to talk about Kalkan Properties.  Looking at the information available, it appears that Kalkan is an exceptional vacation spot on the Mediterranean coast.

According to Wikipedia:

Kalkan is an old fishing town, and the only safe harbor between Kaş and Fethiye; it is famous for its white-washed houses, descending to the sea, and its brightly colored bougainvilleas. It averages 300 days of sunshine a year.

Until the early 1920s, the majority of its inhabitants were Greeks.^[1] They left in 1923 because of the Exchange of populations between Greece and Turkey after the Greco-Turkish War and emigrated mainly to Attica, where they founded the new town of Kalamaki. Abandoned Greek houses can still be seen at Kalkan.^[1]

Since it has an average of 300 sunny days a year, be sure and pack plenty of sunblock. As more and more of my generation gets to be older, I am sure many will be looking for nice places to retire, hopefully one that has a reasonable cost of living also.

Many people over the next few years will be retiring. Those that want to stay in their homes can consider a reverse mortgage to assist them with their expenses over the years. Others may want to consider refinancing now while rates are low or even purchasing that second home on the beach they have been wanting. The current economy has made purchasing property a great deal. Interest rates are low, prices are low and the inventory is large.

Call me today and let’s see what is the best way for you to provide for your future and take care of the present. You can reach me at 360-682-6913/541-221-3455 cell.

Kalkan Turkey next on tour of the Med is a post from: Eugene Loan Guy

Continuing on a tour of property around Turkey, today I am going to talk about Kalkan Properties.  Looking at the information available, it appears that Kalkan is an exceptional vacation spot on the Mediterranean coast.

According to Wikipedia:

Kalkan is an old fishing town, and the only safe harbor between Kaş and Fethiye; it is famous for its white-washed houses, descending to the sea, and its brightly colored bougainvilleas. It averages 300 days of sunshine a year.

Until the early 1920s, the majority of its inhabitants were Greeks.^[1] They left in 1923 because of the Exchange of populations between Greece and Turkey after the Greco-Turkish War and emigrated mainly to Attica, where they founded the new town of Kalamaki. Abandoned Greek houses can still be seen at Kalkan.^[1]

Since it has an average of 300 sunny days a year, be sure and pack plenty of sunblock. As more and more of my generation gets to be older, I am sure many will be looking for nice places to retire, hopefully one that has a reasonable cost of living also.

Many people over the next few years will be retiring. Those that want to stay in their homes can consider a reverse mortgage to assist them with their expenses over the years. Others may want to consider refinancing now while rates are low or even purchasing that second home on the beach they have been wanting. The current economy has made purchasing property a great deal. Interest rates are low, prices are low and the inventory is large.

Call me today and let’s see what is the best way for you to provide for your future and take care of the present. You can reach me at 360-682-6913/541-221-3455 cell.

Kalkan Turkey next on tour of the Med is a post from: Eugene Loan Guy

As I wrote yesterday, I am going to be giving some information about different opportunities in Turkey for the next few days.

Today, I want to talk about Altinkum Property that I have found through a website called Spot Blue. There are some very interesting properties located here and may be just what you are looking for. I am amazed at the properties that are available with beach access and views that are out of this world of the Agean Sea.  Take a look at this beach view:

My reading of travel guides for Altinkum say that it is a small and quiet town ideal for relaxed and easy going beach holidays. Again, according to Wikipedia:

Altınkum is a rapidly growing resort in western Turkey, 123 km from the town Aydın. The resort is a popular tourist destination at the Aegean Sea, and in addition to many beautiful beaches there are also the ruins of the Ionian city of Didyma (Didim). Most famous of all is the ancient Temple of Apollo with the head of Medusa.

I remember my Greek mythology from so many years ago and the head of Medusa was one of the things that Perseus had to do on his quest. I think I have known a few people like Medusa, but none that could literally turn a man to stone.

It is at times like this that I wish I had a private jet so that I could tour the various vacation spots of the world, or maybe just retire to such a place as this. I would enjoy visiting the ancient sites nearby like the Temple of Apollo and the nearby ruins of the Ionian city of Didyma.

The area is so full of history and sites of ancient battles and civilizations. A history buff could spend years and never go but a few miles from his front door.

Visiting Turkey–Altinkum is the first stop is a post from: Eugene Loan Guy