Oregon

Here's your recorded webinar, "Putting JOY back into sending Christmas cards"

Putting JOY back into sending Christmas cards View our on-demand Webinar anytime! If you missed the webinar we would still like you to be able to view it. As promised, the link to the recorded webinar is included. Feel free to watch this on your own time and even share it! If you have questions, contact me, arry Morris at 503-421-0096 Please send your questions, comments and feedback to: NiceTouchMarketing@gmail.com You are welcome to view the recorded Webinar at any time. You will need Windows Media Player 9 or higher to view the presentation. This webinar was produced by a couple of my associates. If you are interested in sending cards yourself, please contact me at the above information, or enter my user of 24238.

It is getting more and more common that my company is asked to save a real estate transaction at the 11^th hour. I got three calls in the last two days from listing agents that have had their sales put in jeopardy by pure incompetence from the lender handling the transaction for the buyer. Two of the loan officers that work for me have also rescued deals this week! It is worth a few minutes to analyze what is happening.

Often, these transactions were originated by either mortgage brokers or credit unions. Brokers are at a real disadvantage because their chain of communication to underwriting is usually filtered by a wholesale loan rep who may or may not have a good relationship with the underwriter decisioning the loan. In the past, the communication problems that are inherent in the wholesale lending world were often masked by the endless supply product options (both Alt A and Subprime) available to brokers. Since those product offerings, for the most part, have been eliminated, these loans that were not packaged correctly in the beginning turn into failed sales.

Credit Unions are wonderful institutions to get a car loan or use in lieu of a bank for a checking or savings account. Some even do a great job of making home equity loans but, for the most part, they are not experts at mortgage lending. Credit Unions often outsource their mortgage lending to brokerage or banking operations that are more capable of handling origination volume. This in turn just adds another layer of communication to an already challenging process. Add to this the problem of cross training in most CU operations. The same loan officer that is working on a mortgage loan was standing in a teller line that morning or working in collections that afternoon. They often don't have the experience or the knowledge to handle a difficult loan transaction.

I am always ready and willing to step in and save a deal. I only wish consumers would save themselves the grief and come to me first. 4,869 registered loan originators are all that are left on Oregons registary from nearly 20,000 that have been registered at some point. Many of those are from out of state. The numbers have declined significantly over the last couple of years. I can only hope the quality goes up as the quantity goes down.

Art Marine

Branch Manager

10220 SW Greenburg Road, Suite 250

Portland, OR 97223

503-764-4005 direct

503-799-7085 cell

1-866-510-4716 fax

www.academy.cc/artmarine

art.marine@academymortgage.com

Josephine County Sportsman's Park - Grants Pass, Oregon

Whether or not you are into the shooting and hunting sports, Oregon has the full freedom to own and carry firearms.

The old quote, "An armed society is a polite society," runs true in our state.

After living in Grants Pass for a year now, I had never been to the Josephine County Sportsman's Park and I was happy with what I found.

This facility is enormous!  Nestled in the beautiful Colonial Valley, there is a huge Sportsman's Park dedicated to the shooting sports!

If you want to target practice,   teach the family how to shoot or sight in your hunting rifle, they have the ranges.

Pistol and revolver ranges are here at the Josephine County Sportsman's Park also.

For the shotgun enthusiast, you may practice trap and skeet in competition  

 or hone your skills for game bird hunting.

The black-powder enthusiasts are welcome in the spirit of practicing with the ancient weapons of our forefathers and the Davy Crocketts' and Daniel Boones' among us.

If the "Cowboy Action" has intrigued you, you may practice the skills of our western heroes.

Shoot revolvers, derringers, rifles and shotguns in scenarios  designed to duplicate the "western experience" in settling our frontier.                             

Archers are welcome and challenged by competition matches or practicing for hunting season.

If you have never handled a firearm and you are interested in learning, you have every level of expertise at the Sportsman's Park.

Our police and sheriffs practice here, and you will find answers to all of your questions regarding firearm ownership and the teachers to help you learn.

The Josephine County Sportsman's Park is located at 7407 Highland Ave., Grants Pass, OR  97526-8400 or you can give them a call at (541) 476-2040.

Will you be shopping the early morning sales on the Friday following Thanksgiving? Are you the type that is out pre-dawn? Do your legs get weary from all of the wandering? I have a great solution to give you a break and to help get you into the Christmas Spirit!

Macy's will be hosting it's annual Holiday Parade beginning at 8:45 AM. The kids can watch as their beloved characters float by. You can enjoy the live music as the parade passes by. All getting you ready for the amazing season before us. This year, the parade route is slightly different; it will begin at NW Park and Davis, then travel east to Broadway, south on Broadway to SW Alder, east on Alder (past Macy's) to 4th, north on 4th to NW Flanders, west on Flanders to Park.

Once you are done with you are done watching this parade pass, resume your shopping. Grab a bite to eat at one of the local bistros or your favorite restaurant. Shop some more. Just be ready, because at 5:30 PM...

The Tree Lighting Ceremony will begin on the 75 foot Christmas tree in the middle of Pioneer Courthouse Square. With thousands of people participating in the singing of Christmas carols, you may want to get there early and secure a spot.

Whatever you do with the rest of your Thanksgiving weekend, I encourage you to spend it with family, friends, and those that you love. We are starting another season full of all things warm and good. Enjoy!

Sarah Eubanks ~ Senir Mortgage Specialist

Hill Valley Financial Services ~ www.hillvalleyfinancialservices.com/saraheubanks

Contact Sarah via email ~ sarah4oregonloans@gmail.com or phone 503.442.1349