Your Central Florida Financing|Housing Resource

By
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
RECENT BLOG POSTS
Linda makes some valid points about dealing with lenders on 2nd mortgages when a homeowner is facing financial hardship. Her typical sequence of events is unfortunately VERY typical, not only on requesting short sale approval on a 2nd mortgage but on most requests for financial hardship assistanc...
01/06/2011
  Larry makes some great points here that I sincerely hope buyers choose to follow. There are reasons why Contractors, Realtors, Loan Officers - DOCTORS - are licensed... some really GOOD reasons. For whatever reason, with the overhaul of many issues that needed addressing in the mortgage/housing...
01/06/2011
David Ames / Zephyr Real Estate / San Francisco brings up some great reminders in this time of year that can be so harried for many. Thanks, David (and Robert!)I was inspired by J. Philip Faranda's comment on my post yesterday, "This reminds me of Everything I Need to Know ( in Real Estate) I lea...
12/09/2010
Donne posted this flowchart her friend sent her they saw in the huffington post about the amazing trails a note/deed of trust may follow during it's lifespan. Looks like the folks following the trails never made it all the way to the pot of gold! Not uncommon for a servicer/investor to be unable ...
12/05/2010
Nathan highlights some good reasons for the high rental vacancy factor we are seeing that may not seem to make sense with so many homeowners forced to rent due to financial hardships that led them to foreclosure. Good post, Nathan!US Census 2010 data shows that rental vacancy rates are at the hig...
10/29/2010
We went up to introduce ourselves a few months ago to new neighbors on the street behind ours when we heard sounds of a backhoe running in our hillside neighborhood. This property had an additional dwelling unit built on it a while back, which we didn’t think too much about – until we started hav...
10/29/2010
The real estate market in Southern Oregon has a high percentage of foreclosure homes working their way through the inventory. One of those bank owned homes sold earlier this year on the street behind ours. We were sad to hear another local contractor had lost their home in this bad economy we are...
10/29/2010
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If we’d known there were only 30 days for him to live, what would we have done differently? Would we all have dropped what we were doing, and circled the wagons in our family? Would we have camped ourselves at the hospital and insist a thorough diagnosis be done so he wouldn’t have been sent home...
10/22/2010
Can you see the writing on the wall? That the reductions in income or increase in expenses are going to have you struggling to make your mortgage payments soon  - AND put food on your table AND keep your heat and lights on?     Have you tried to let your mortgage company know, and feel like a rat...
10/07/2010
Tom Waite of Cypress California highlighted this latest news about Bank of America joining the ranks of GMAC and Chase with slowing down their rush to foreclose on homes without carefully reviewing the documentation and processes FIRST. Dealing with the servicers everyday, in my mind, this "morat...
10/02/2010
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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!