Jose's Blog

Mortgage and Lending - Opes Advisors, INC.
For a while the USDA has been mentioning that they were going to increase the income limits to the Guaranteed loan program. Not only was this exciting to hear but USDA also mentioned that the income limits were going to be grouped as 1-4 and 5-8 house hold size. This was even better because now a...
Effective immediately; The OHCS (Oregon Housing and Community Services) Home Loan Program, otherwise know as the Oregon Bond Loan, will no longer be accepting "new" reservations for new loans that require Mortgage Insurance. This is due to MI company rating downgrades. If you currently have a loa...
Happy New Years to all! Hope you had a safe & happy holiday season with your families! WOW 2009! Where did the last year go, or in what areas did 2008 help you grow. I speak for my self in what areas I grew in 2008. I have gained a lot of knowledge in the Real Estate and Mortgage Industry over th...
Daylight Saving Time is coming to an end tomorrow. This means you will have to set your clocks back one hour and return to Standard Time on Sunday, November 2nd at 2 a.m. or if you don't want to wake up at 2 a.m. on Sunday Novemeber 2nd, just turn your clocks back 1 hour before going to bed tonit...
Featured this morning in the business section of the Register-Guard was Siuslaw Bank. The following is the article. Siuslaw Bank sees profits, deposits rise in 3rd quarter By Ilene Aleshire The Register-Guard Published: Oct 23, 2008 12:13AM Siuslaw Bank bucked a national trend of falling bank pro...
With all the media about banks going under and FDIC taking over banks, many people always ask me "Is your Bank Safe?" "Are you guys still lending money?" That is a question that I get asked frequently as well. I can understand how people may feel scared today about there money in banks especiall ...
As I was winding down and getting ready to slip into bed I noticed my phone's light blinking alerting me of  an email. I read it and could'nt resist but to share. It said the following: Dear Jose, Please repeat this simple saying. "I AM playing the game of life and it is meant to be FUN!" If you ...
As of Friday October 17th, Funding for Rural Development's Single Family Housing Guaranteed Loan program is now available for fiscal year (FY) 2009. The Rural Development Guaranteed loan Program, or referred to as RD, is a guaranteed loan that is flexible to accommodate people who need 100% finan...
I recently helped a great family buy their first home and I recevied a Thank You card from them that said: (verbatim) Dear Jose, We wanted to let you know: what you have helped us accomplish has changed our lives. Our house is more than just a home - it's the promise of a better future for our so...
Last month, the fallout from the mortgage crisis took a rather unusual turn. For the first time in 20 years, several US banks went belly-up, most notably IndyMac Bank, the second largest financial institution to fail in US history, and one of the largest mortgage lenders in the country. Suddenly,...

Jose Delgado

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