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CITY

Select a City: No Preference Alvadore Blachly Blue River Cheshire Coburg Cottage Grove Creswell Culp Creek Deadwood Dexter Dorena Elmira Eugene Fall Creek Florence Jasper Junction City Leaburg Lorane Lowell Mapleton Marcola Mckenzie Bridge Monroe Noti Oakridge Pleasant Hill Springfield Swisshome Veneta Vida Walterville Walton Westfir Westlake Yachats Choose a property type: Residential Multifamily Land Farms Commercial

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

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SUBDIVISION

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Choose a property type: Residential Multifamily Land Farms Commercial

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

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SCHOOL

Enter a School:

Choose a property type: Residential Multifamily Land Farms Commercial

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

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ZIP

Enter Zip Code Choose a property type: Residential Multifamily Land Farms Commercial

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

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MLS #

Enter MLS Number: MLS Number: MLS Number: MLS Number:

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MAP

Select a Starting Point: No Preference Adams Agness Albany Allegany Aloha Alsea Amity Arlington Ashland Astoria Aumsville Aurora Azalea Baker City Bandon Banks Battle Ground Bay City Beaver Beavercreek Beaverton Bend Birkenfeld Blachly Blodgett Blue River Boardman Boring Brightwood Broadbent Brookings Brooks Brownsville Brush Prairie Burns Buxton Camas Camas Valley Canby Cannon Beach Canyonville Cape Meares Carlton Cascade Locks Cascadia Cave Junction Central Point Charleston Cheshire Clackamas Clatskanie Cloverdale Coburg Colton Columbia City Condon Coos Bay Coquille Corbett Cornelius Corvallis Cottage Grove Cove Crescent Crescent Lake Creswell Crooked River Culp Creek Culver Dallas Damascus Days Creek Dayton Deadwood Deer Island Depoe Bay Detroit Dexter Donald Dorena Drain Dufur Dundee Durham Eagle Creek Eagle Point Echo Elgin Elkton Elmira Elsie Estacada Eugene Fairview Fall Creek Falls City Florence Forest Grove Gales Creek Gardiner Gaston Gates Gearhart Gervais Gilchrist Gladstone Glendale Glenwood Glide Gold Beach Government Camp Grand Ronde Grants Pass Grass Valley Gresham Haines Halsey Hammond Happy Valley Harrisburg Hebo Heppner Hermiston Hillsboro Hines Hood River Hubbard Idanha Idleyld Park Imnaha Independence Ione Irrigon Island City Jacksonville Jasper Jefferson Jewell Junction City Keizer King City La Grande La Pine Lafayette Lake Oswego Lakeside Langlois Leaburg Lebanon Lexington Lincoln City Long Creek Lorane Lowell Lyons Madras Manning Manzanita Mapleton Marcola Maupin Maywood Park Mckenzie Bridge Mcminnville Merlin Metolius Mill City Milwaukie Mist Molalla Monmouth Monroe Moro Mosier Mt. Angel Mulino Myrtle Creek Myrtle Point Nehalem Neotsu Neskowin Netarts Newberg Newport North Bend North Plains North Powder Noti Nyssa O'brien Oakland Oakridge Oceanside Odell Ophir Oregon City Otis Otter Rock Pacific City Parkdale Pendleton Philomath Pilot Rock Pleasant Hill Port Orford Portland Powell Butte Powers Prescott Prineville Prospect Rainier Redmond Reedsport Rhododendron Rickreall Riddle Rockaway Beach Rogue River Roseburg Rufus Salem Sandy Scappoose Scio Scotts Mills Scottsburg Seal Rock Seaside Selma Shady Cove Shedd Sheridan Sherwood Siletz Silverton Sisters Sixes South Beach Springdale Springfield St. Helens St. Paul Stanfield Stayton Sublimity Sunriver Sutherlin Sweet Home Swisshome Talent Tangent Tenmile Terrebonne The Dalles Tidewater Tigard Tillamook Tiller Timber Toledo Troutdale Tualatin Turner Tygh Valley Umatilla Umpqua Union Vancouver Veneta Vernonia Vida Waldport Walton Wamic Warren Warrenton Wasco Washougal Welches Wemme West Linn Westfir Westlake Westport Wheeler Wilderville Willamina Williams Wilsonville Winchester Winchester Bay Winston Wood Village Woodburn Yachats Yamhill Yoncalla Choose a property type: Residential Multifamily Land Farms Commercial

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

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Blue Moon New Years Eve 2010 Mortgage Report

Mortgage rates are just a bit higher this week over last, as shown below. New claims for unemployment were down significantly this week and that has hurt the bond market. There are no guarantees that next week's rates will get better, though we expect the “after holiday” markets to be much more stable than the past two weeks. We'll hope for the best, and yes; rates are still fantastic!

I know you've heard the rumblings of changes that are taking effect tomorrow (01/01/10) in the mortgage finance industry. These changes mainly affect the disclosure process from us, your mortgage professionals, to the borrowers. However, because of these changes it appears there will be an impact on how you do business as well. The differences may be many, and they will be addressed over the next days, weeks, and months as they come to light.

One of the issues we're facing is the necessity of relying on “pre-qualification” letters for your buyers instead of “pre-approval” letters. More details on this to come. Also, at this time, it appears that the buyer's will need to pay for inspections, home warranties, etc, outside of closing. That is, at time of service or by invoice. You may be doing that already, but until there is better clarification on the rules please be aware of this.

The problem we are facing is that if we ask several “experts” on the new rules about these changes, we get several different answers. So please don't get too worked up over these things, because I feel once these changes are implemented the good folks in Washington DC, who thought they were doing great things in the name of “consumer protection” will begin to see all the collateral damage.  However, for the most part, the new rules are here to stay, and it will just be up us to figure out how to handle them and minimize the impact they have on you. That's why it is so important for you to be doing business with true mortgage professionals who are on top of all the changes. I, of course, would be one of those! J

I hope you've been having a great holiday season, and I wish you a safe, joyous, and prosperous New Year!!!!  2010 just has to be better; don't ya think?!!

My cell phone will be on all weekend if you or your clients need questions answered. 

Go Ducks!!  Or, I guess it's “hey Ducks, rose up”!

The following rates are based on 30 day locks with no discount points, as of this morning. They are not come ons, they are the rates your buyers will most likely get from a reputable lender, regardless of what is advertised. Certainly there are other specialized programs available, depending on the qualifications of the buyer.

Authored by Lorin Wamsley, CMPS - Senior Mortgage Consultant, Precision Funding Phone: 541-681-8787

Search all Eugene Oregon Homes for Sale . Call us to schedule any home showings or if you have any questions.

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