Fred Chamberlin

MLO 271072 OR & WA

Retired Mortgage Advisor

Oak Harbor WA 98277

541-221-3455 cell

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Moving is always a hassle, but there are things you can do it make it easier

I recently moved from Coupeville to Oak Harbor, WA. It was a short move, only 15 miles, but it still meant having to rent a truck and hire people to come in and load and unload. Boxes had to be packed and then emptied and then never seems to be enough time to get ready for the move.

In this case, we did it ourselves by renting a truck, but I have also moved using one of several  courier companies that will come in and pack up, load and deliver everything for you.  Moving companies take a lot of the effort and hard work out of a move. It is also nice to have someone else responsible for the items as they are being moved. In our case, that might have made the difference in having the new dining room table scratched or not or having the finial broken from the top of the antique writing desk.

However when you move yourself, all of these perils fall on your shoulders, not on the “someone else” that you could use. So, my advise is to look into having someone else do your moving for you, because it really is a pain to do it yourself.  Moving is something that can best be experienced from the sidelines. It is nice, once it is done to get busy settling into the new place.

button1 Moving is always a hassle, but there are things you can do it make it easier

Retiring and leaving the mortgage business

I have been considering this for some time and have made my decision that it is time to do it.

I am retiring and going to spend my time with my grandchildren and fish as much as possible. I will continue to write my blog posts and hopefully keep everyone up to date on what is happening in the world of mortgage lending.

After being in the lending business for over 30 years and going through some of the toughest times I can imagine, it is time to turn it over to someone with more energy than I have now.

Thanks for your readership and I want to definitely recommend Guild Mortgage Company for your lending needs and wants. The gang in Oak Harbor are consummate professionals. They deliver on their promises. The contact information on the pages will be changing as soon as I can get them done. But, if you have questions, please drop me an e-mail at whidbeyloanguy@rocketmail.com

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Eugene/Springfield Mortgage rates can be adjusted up or down

I do a periodic rate update and analysis of the financial conditions of the mortgage industry for a number of the Realtors® that I work with and now have the ability to share this update with my readers.

If you would like to see what I have to say about rates and economic conditions, follow this link and hopefully you will get some good information. Please remember, the rates quoted are specific to specific qualification. Every person will need to find out what is right for them. Also just for information, the change in rate doesn’t change what I get paid, up or down. This link is just for today’s information, I will post others in the coming weeks.

For instance, a lower closing cost will mean a higher rate and conversely, a higher closing cost will mean a lower rate. You can get the rate and closing costs that work for you with simple transposition. That means you need a quality mortgage consultant, like me!

Contact me

Navigating the mortgage approval process doesn’t have to be daunting. With me on your side those hurdles can be overcome. I am available right now to help you with the loan process and know the ins and outs of FHA, VA, USDA and conventional financing. If you want to buy a home using an FHA loan or refinance using VA, I am here to help. Contact me at Alpine Mortgage Planning, 1200 Executive Pkwy., Ste. 100, Eugene OR 97401, 541-342-7576/541-221-3455 cell or by e-mail. Only you can make the choice it is time to get the process started.

button1 Eugene/Springfield Mortgage rates can be adjusted up or down

Restaurant Review–Café 440 Eugene OR

Doing something new for me today, I am going to give a video restaurant review. I had lunch at Café 440 in Eugene recently with a friend and was suitably impressed.

I hope you enjoy this, my first video blog. I promise more to come, also on different subjects. But, as you can see, I do like to eat and I will probably be spicing up the mortgage information with restaurant information too. This one is short, I promise more information in the future.

Now, if you need mortgage help, call the EugeneLoanGuy for the best in service. I am here to help you! 541-221-3455 or fchamberlin@alpinemc.com.

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Short Sales, Foreclosure, Deed-in-Lieu, Bankruptcy waiting times explained

Here is a great tool to determine how long someone must wait until they are eligible to receive a loan after a short sale, foreclosure, deed-in-lieu of foreclosure and/or bankruptcy in the Eugene/Springfield area.

This was put together by a couple of guys that fill in for my favorite video bloggers, Think Big, Work Small, Brian and Frank. So, credit due to Gary Hawkins and Ryan Hills of TheREsource.tv for putting this together. The quality of posting to my blog has suffered, so click on the list and it will take you to Gary & Ryan’s original.waitingtime1 thumb Short Sales, Foreclosure, Deed in Lieu, Bankruptcy waiting times explained

Here is Page 2:

image thumb Short Sales, Foreclosure, Deed in Lieu, Bankruptcy waiting times explained

I work with people getting them to the point where they are eligible to purchase a home again. A bad spot on your credit record shouldn’t last forever, and now you can see, it doesn’t, but there are waiting periods. Be ready.

Contact me

Navigating the mortgage approval process doesn’t have to be daunting. With me on your side those hurdles can be overcome. I am available right now to help you with the loan process and know the ins and outs of FHA, VA, USDA and conventional financing. If you want to buy a home using an FHA loan or refinance using VA, I am here to help. Contact me at Alpine Mortgage Planning, 1200 Executive Pkwy., Ste. 100, Eugene OR 97401, 541-342-7576/541-221-3455 cell or by e-mail. Only you can make the choice it is time to get the process started.

button1 Short Sales, Foreclosure, Deed in Lieu, Bankruptcy waiting times explained

Poison Pen Players give their all for ’56 Vicky

I participated in a murder Saturday and it was a lot of fun. Poor Ricky Lee Autrey, he will be missed by the Class of 58. This was a murder mystery dinner theater at the Big K Guest Ranch near Elkton.

The play was sponsored by the Big K and performed by the Poison Pen Players offering audience interaction in determining who the nefarious villain was that offed the hapless Ricky Lee. Of course it was all in fun and the turn out (considering the locale) was very good.

The performances were well done and the music took me back to my high school years. The car made an appearance at the ranch also. It is an very nicely restored 1956 Ford Victoria in a sleek black. I can remember my brother had a 55 Crown Victoria back in those days and they were HOT!.

56vicky thumb Poison Pen Players give their all for 56 Vicky The Poison Pen Players have other presentations of ‘56 Vicky scheduled, the soonest being this weekend, Mar. 26 at the Florence Events Center. Reservations can be made by following this link. Other performances will be in Coos Bay, Cottage Grove and Eugene.

The Big K Guest Ranch driveway is just a few miles out of Elkton, but then you have a few more miles driving until you reach the resort area. The cabins are nice and well maintained but don’t expect to watch TV in your room. They have TVs but they only have DVD & VCRs for them available at the front desk.

 
If you want, you can also schedule a hunting or fishing trip with the guide service at Big K. Contact them through this link. Oregon has a lot of wonderful places to visit. This is another great one to check out. See you out there.

 

 

button1 Poison Pen Players give their all for 56 Vicky

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