Fred's FHA Mortgage and Conventional Real Estate Loan Blog

Mortgage and Lending - Guild Mortgage Co - Oak Harbor WA
Welcome to my blog about mortgages and real estate loans in Oregon, California, Alaska and Washington. I am a government specialist and am a Vietnam era veteran. I enjoy working first time home buyers and have many tools available to help them.
  Call me slow if you want to, but I have been trying to digest the "long-anticipated mortgage reforms that will help consumers to shop for the lowest cost mortgage and avoid costly and potentially harmful loan offers" announced by HUD on Nov. 12. It has taken some time, but I think I understand ...
I suggest you try something like our office did. We had a team building exercize and collected items the troops could use. After the exercize, we boxed it all up in flat rate packages and set it all to Iraq to a reserve unit there. There are lots of things you can do individually too. Check out ...
Eleanor explains mortgage insurance and funding fees very well here. If you have comments, leave them for her. I have disabled comments on this blog. The only thing I would add is that there are different premiums for different loan to value and different credit score. As always, your situation ...
My "friend" Danny Thornton tagged me with the latest MeMe and referenced his blog about Crack Spiders while doing so. And, since this is such an important blog, I had to pass on the Crack Spider link. This blog is about six usless bits of information about me that you don't know and probably don'...
I know there are still lenders out there that think the 10 year Treasury bond controls the mortgage market but it doesn't and lately hasn't even been a viable indicator of what the market is doing. Mortgage rates are volatile. What else is new when talking about mortgage rates? Mortgage Backed Se...
Since it is the end of a long weekend, I thought I might end it with a photo essay and a few fun things to celebrate thankfulness. For those that don't know, Three Dog Night was a term used for how cold it was. On a particular cold night, three dogs would be invited into bed with your, therefore,...
Well, I did my Bookworm MeMe and then got tagged two more times. Once by Melina Tomson, and then again by Nancy Larson. Since I had already done my Bookworm, I had to think if I really wanted to do another one but finally decided that it was the least I could do to expose others to this MeMe. I d...
Wow, I just went to my home and saw this: Score:                                        90000 90000 Members Invited/Referred:                  4 4 Blog Posts:                                     260 260 Rank in Oregon:                                 5 5 Featured Posts:                           ...
The HOPE for Homeowners (H4H) loan modification program was changed last week by HUD. HOPEfully, these changes will invigorate the program with the jumpstart that it needs to make it more viable. Possibly it will become the way to help more distressed borrowers refinance into affordable, governme...

Fred Chamberlin

Oak Harbor/Whidbeynulls, #1 Experienced FHA Mortgage Consultant
local_phone(360) 675-6106
smartphone(541) 221-3455
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