Your Central Florida Financing|Housing Resource

Mortgage and Lending - Karen Cooper | Sr Mortgage Loan Originator ! NMLS # 223305 | First Federal Bank of Florida, Ocala, FL - NMLS 223305
Nationwide home mortgage lending, Jumbo High Balance Conventional and Government purchase loans, love to serve our Veterans, first time home buyers, buyers re-entering after a short sale or foreclosure, homeowners refinancing to obtain better interest rates|terms, FHA Streamline, VA Interest Rate Reduction, Home Affordable Refinance Program, down payment assistance, FHA 3.5% down, Fannie Mae 3% Down, Home Equity Loans and Lines of Credit, Austin Cedar Park Round Rock Georgetown Leander Texas, NMLS #223305
Monday October 5th was the official release for the State of Oregon’s Neighborhood Stabilization Program. The City of Medford Oregon which has its own program funding released on September 4th but put the program back on hold. Why? Could it be because the City removed Louise Dix from her position...
Here it is, Autumn in Southern Oregon. It seems that overnight the flip was switched and Summer was gone. With frost advisories again, a run to the vegetable garden was in order to harvest what may be the season’s final harvest. The call has been made for this Winter’s wood to be delivered. Than...
Did you know that Rotary International, with the support of the Bill and Melinda Gates Foundation, have set a goal to eradicate Polio worldwide? Each Rotary Club is finding a way to do their part to support this lofty goal. The Rotary Club of Ashland Oregon is having a 5k & 10k run on Saturday Oc...
Melina Tomson of Salem Oregon posted some great information on the new Oregon Bill 628 that requires lenders look at whether or not a home owner in financial distress is eligible for modification BEFORE foreclosure is finalized. Our local Community Action Agency that does the HUD foreclosure prev...
Marte Cliff lays out the most recent Fannie Mae Guideline changes in a clear way. Like the recent FHA guideline changes, these tightened criteria WILL affect home buyers.This probably isn't news that anyone who sells real estate wants to hear, but getting approved for a mortgage is about to becom...
Below is my Comment to Federal Reserve Board on R-1366. Fellow Active Rainers, both mortgage industry members and related real estate industry members, this is ALL of our battle that needs to be fought here. Right now 99% of my business consists of purchase transactions, and a large percentage of...
The end of the fiscal year is September 30th for the USDA Guaranteed Rural Housing Program. More often than not, Congress does not have the next year’s program funding allocated before this date rolls around. Many banks and mortgage companies will pull the plug on funding their USDA Guaranteed Ru...
The Federal Housing Finance Agency released their September Mortgage Interest Rates Report this morning. Yes, notably interest rates are still amazing low, especially to someone who entered the mortgage business in the early 80’s, but what caught my eye was:   “Forty-four percent of the purchase-...

Karen Cooper

Helping Homeowners w/Home Loans in 27 US States
smartphone(512) 375-2422
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Loving the challenge of a career in mortgage|real estate since 1983, keeping up with the progression of changes in this industry keeps one on their toes. What doesn't kill us makes us stronger, right? Here's to a few more decades of strength building!