All Blog Entries by Melinda Morgan 
There are currently 16 blog entries published by Melinda Morgan.
Beware of Foreclosure Rescue Scams - Help Is Free!
Monday, April 5th, 2010 at 1:54pm. 71 Views, 0 Comments.
- There is never a fee to get assistance or information about Making Home Affordable from your lender or a HUD-approved housing counselor.
- Beware of any person or organization that asks you to pay a fee in exchange for housing counseling services or modification of a delinquent loan. Do not pay - walk away!
- Beware of anyone who says they can “save” your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
- Never submit your mortgage payments to anyone other than your mortgage company without their approval.
The Obama Administration has launched a coordinated effort across federal and state government…
Home Affordable Foreclosure Alternatives (HAFA) Program
Monday, April 5th, 2010 at 1:53pm. 79 Views, 0 Comments.
Many homeowners may feel that they can no longer afford their home, but want to avoid the negative effects of foreclosure. The Home Affordable Foreclosure Alternatives (HAFA) Program offers homeowners, their mortgage servicers, and investors an incentive for completing a short sale or deed-in-lieu of foreclosure. With these options, under HAFA, a homeowner leaves their home to transition to more affordable housing and alleviate the mortgage debt they owe. These options are available for homeowners who: 1. do not qualify for a trial mortgage modification under the Making Home Affordable Program; 2. do not successfully complete the trial period for their modification; 3. miss at least two consecutive payments during their modification period; or 4. request a… |
Simple Tips for Better Home Showings
Thursday, March 18th, 2010 at 10:14pm. 99 Views, 0 Comments.
1. Remove clutter and clear off counters. Throw out stacks of newspapers and magazines and stow away most of your small decorative items. Put excess furniture in storage, and remove out-of-season clothing items that are cramping closet space. Don’t forget to clean out the garage, too.
2. Wash your windows and screens. This will help get more light into the interior of the home.
3. Keep everything extra clean. A clean house will make a strong first impression and send a message to buyers that the home has been well-cared for. Wash fingerprints from light switch plates, mop and wax floors, and clean the stove and refrigerator. Polish your doorknobs and address numbers. It’s worth hiring a cleaning service if you can afford it.
4. Get rid of smells. Clean…
Breaking News: President Signs Tax Credit Extension & Expansion
Friday, November 6th, 2009 at 3:26pm. 116 Views, 0 Comments.
President Obama signed into law legislation that extends and expands the first-time homebuyer tax credit this morning. This enacts the legislation into law making the extension and expansion effective immediately after today. To learn more about the jobless benefit extension and the extension of the homebuyer tax credit visit: Obama signs jobless benefit extension.
Who Qualifies for the Extended Credit?
- First-time homebuyers who purchase after today and before April 30, 2010, are eligible for the extended tax credit.
- Current homeowners purchasing a new principal residence after today and before April 30, 2010, who have used the home being sold or vacated as a principal residence for five consecutive years within the last eight.
- So long as a written binding…
Difference Between a Short Sale and Foreclosure
Friday, July 31st, 2009 at 3:53pm. 169 Views, 0 Comments.
If you are wondering what the difference is between Short Sale and Bank Owned, it is this:
A Short Sale means that the bank has to take a Short- in other words, cannot get back all the money it lent to the seller, because the house is worth less than the seller owes. There are lots of Short Sales going on right now because banks were not very careful in their lending practices and appraisals- so they lent out way more money than many houses were worth. Now they have to take a loss. Sometimes the house really was worth more, sometimes it wasn't. Just because it is a Short Sale, doesn't necessarily mean you are going to get a good deal. You have to know the market and know what the comps are to be sure. That's why having a good Realtor helping you is so…
June 2009 Portland -Metro Market Action Report
Friday, July 31st, 2009 at 3:49pm. 172 Views, 0 Comments.
Portland-Metro Market Action Report June 2009
According to the most recent RMLS Market action report, the region's median home price has leveled off this summer and hovered in June around $250,000, down 17 percent from its peak. The inventory of unsold homes -- the key measure of supply and demand -- improved more than usual in June. Thanks to an uptick from record-low sales this winter, the inventory dropped from 19 months in January to eight months in June.
One doesn’t have to be a Realtor to know that home sales are cyclical. Winter is a slower season and summer being the hottest. During that cycle, the number of homes listed typically expands steadily from January to July. In 2008, listings grew from January to June by 28 percent. In 2007, it was…
Smooth Move -7 tips to help your kids adjust to a move
Wednesday, May 27th, 2009 at 5:19pm. 210 Views, 0 Comments.
New park coming to Happy Valley July 2009
Tuesday, April 28th, 2009 at 11:58pm. 738 Views, 0 Comments.
That’s right! A 35 acre park, yet to be named, located on 162nd Ave South of Sunnyside Road and North of Hwy 212. The park will include athletic fields, play areas, walking trails, a skate park, a dog run and picnic areas.

The $8 million purchase is adjacent to about 40 acres recently acquired by North Clackamas School District (NC12) which is planned for development of a new middle and elementary school. NCPRD and NC12 are considering sharing facilities, including parking, recreational fields and roads.
Phase 1 of the park’s construction should be completed by fall. It includes four full-size, all-weather turf baseball/softball fields with lights; a multi-use soccer/lacrosse field; parking areas and utilities; landscaping; a concession and a restroom…
Happy Valley City of Dreams Open House Tour
Monday, April 27th, 2009 at 3:43pm. 172 Views, 0 Comments.
Are you prepared for the Happy Valley City of Dreams tour? If your residence is in the Happy Valley or Clackamas area and you are a For Sale By Owner and want to get your home on the tour schedule visit www.HappyValleyCityofDreams.com. This service is free and no-obligation. Get a picture and brief description of your property on this top site. Make sure your place is on tour online as well as in person the day of the big event.
If you submit your info to www.HappyValleyCityofDreams.com by May 15th you will get a free personalized home information book, for buyers to view in your home, the day of the tour.
Homes showcased on the www.HappyValleyCityofDreams.com site will remain for 90 days following Happy Valley City of Dreams tour on May 30, 2009 to give…
The Art of Negotiating
Friday, April 24th, 2009 at 3:07am. 101 Views, 0 Comments.
I think I might have an addiction to negotiating. I just don’t feel satisfied unless I’ve negotiated at least 1X a day. J I enjoy getting deals but I’m not the hunter type. I generally don’t shop the clearance racks and I’m not that into discount shops. Yes. I do shop at Walmart for some things - their price for babyfood is unmatchable. But Macy’s and Nordstrom are more to my liking as far as clothes and shoes are concerned. You can’t help but walk through and find a shirt or entire outfit on display and fall in love. So how does one get discounts on premium items? Using the art (or is it science?) of negotiation of course.
Did you know you can negotiate prices at regular department stores?... I didn’t either until I tried it one day. I was in need of my…
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