Ellen Adam's Blog

You mean I don't have to feel guilty for not keeping my New Year's Resolutions? With a New Year just around the corner I've been tossing around possible New Year's Resolutions.  What they are isn't the topic of this post; it's more about my realization that I make a list each year, and keep some ...

One of the most frequent questions I'm asked is: how is my credit score determined?  While your credit score takes multiple factors into account, there is a specific formula used.  I have put this video together to answer the question.  If you have any questions after watching this video, you can...

Chop Wood, Carry Water, and Mortgage Vanishes - Day 6 of 31 Monday's are always busy for me.  But, I accomplished my 'to-do' list; after going through my contact database this weekend I made a listing of whom to call and touch bases with - and I made the calls, talked to some, left messages for o...

Go Ducks….beat those Beavers….. Today is the annual Oregon Civil War game between Oregon State University Beavers (OSU) and University of Oregon Ducks (UofO).  The Civil War has been a tradition since 1894.  Living in Eugene I’m a Duck fan, so I’m wearing my green & yellow today.  Ohhhh – OSU jus...

Day 3:  Earlier this week a friend of mine (non-business related) mentioned a friend of hers who is just starting out in the Real Estate industry.  My friend mentioned she's struggling a little and feeling incompetent due to being so new, etc. At first I thought, what could I offer being a Loan ...

Ellen Not me,  but famous "Ellen",  has a few marketing tips , lets hear....Bend Oregon,  the first one, is  2 hours from me. I like this one Marketing is an important aspect of every home for sale. Ellen Degeneres finds a few marketing tips that we could all learn from in her REAL Real Estate a...

Temporary Interest Rate Buydowns: How to use to sell OR to purchase a home A Temporary Interest Rate Buydown occurs when funds are set aside by a third party to subsidize the Borrowers' payment in the early years of the mortgage Why use Temporary Interest Rate Buydowns? Sellers - Houses sell much...

I thought this was a very important blog that needed to get out there. It used to be we would see Conventional Loan limits raise every year , well not for the last 2-3 yrs. in this economy.  LoansByEllenToday, Fannie Mae announced that the conventional mortgage loan limits will remain unchanged i...

What You NEED to know about appraisals and were too afraid to ask! What is it all about?  In a nutshell, this form asks for more information about market trends, supply and demand, marketing times, prior listings, etc. Why would you care?  Because... Lenders are being pickier than ever and YOU ca...

 ~ ~ Military & Certain Federal Employees Get Home Buyer Tax Credits until June 2011 ~ ~ ~ A little known provision of the Home Buyer Tax Credit bill that became effective on November 6, 2009, is that certain Military Personnel and Foreign Service employees have an EXTRA YEAR to purchase a home a...