Pamela Berns / Rock River Financial

Pamela Berns / Rock River Financial Pamela Berns is a senior loan officer with Rock River Financial. Pamela has more than 17 years experience in banking and finance.

Pamela specializes in FHA, Home Path, USDA and REO properties.

10/24/2014

The Home must qualify for USDA too! For USDA loans, not only does the buyer need to qualify, but also the specific property needs to qualify for the loan. For the buyer to qualify they will need to have their income evaluated to be sure they are qualified under the income limits for their specific…

10/24/2014

USDA vs FHA Mortgage Insurance Rates Do you know the difference between USDA and FHA? With FHA or USDA you will have mortgage insurance or PMI (private mortgage insurance). 98% of home loans with less than 20% down-payment will have some sort of PMI (there are many types – call me for an…

10/22/2014

USDA Eligible Areas There have been many times where a property is located in an area not normally eligible but is, as it can be as little as 500 feet from the allowed city limit, and still be fine for USDA’s 100% – Zero Down home loans. In the past few years, there were cities that were going to…

10/22/2014

Guaranteed USDA vs. Direct USDA Apply with us for Guaranteed USDA – Direct USDA is about a year and a half on a waiting list for potential home buyers. Do not wait – Call Me! There is no waiting for USDA Guaranteed Home loan and the income limits are also higher so I can get more buyers qualified.…

10/22/2014

Oregon Real Estate Market This year in Oregon is going to be a highly attractive selling season as the economy improves, housing confidence rises, and a growing number of homes are expected to go on the market. Historically Low Rates and home prices are appealing to seasoned and new home buyers.…

08/30/2014

USDA is 100% financing and ASSUMABLE. If you own a home with an assumable loan, once you are ready to sell, this becomes an option for the Buyer that will be very attractive in the next 5 – 30 years. WHY is this important? Because both Home Prices and Rates will not stay at these historic...

08/30/2014

There is a lot of confusion regarding USDA loans and Outbuildings. We specialize in these loans throughout Oregon and have closed many of these NO DOWN home loans with outbuildings on the property. There is a distinction to this issue that USDA Rural Housing has addressed and cleared up. I can...

08/30/2014

USDA home loans have been increasing in popularity over the past three years, with nearly one million loans guaranteed by the USDA. People who never thought they would be able to purchase their own home have secured a zero-down, 30-year mortgage with very low interest rates. Home buyers in rural...

08/30/2014

The only real no money down loan available on the market today, USDA rural home loans provide a much needed funding stream for people who can’t afford the usual down payment on a mortgage. Congress has made some changes to the USDA Rural Development program recently, including some that directly...

05/21/2014

Do you know what the difference between USDA and FHA? With FHA you will have mortgage insurance or PMI (private mortgage insurance). 98% of home loans with less than 20% down-payment will have some sort of PMI (there are many types – call me for an explanation). At the time of this writing FHA...

05/21/2014

Great New Changes coming for Rural Housing’s ZERO DOWN Program. The Federal Register published Guaranteed Rural Housing Program CFR 3555 to be in effect on September 1, 2014. New: USDA to introduce a construction‐to‐permanent loan feature to encourage construction lending in rural areas....

05/21/2014

GREAT NEWS!! Don’t wait! USDA’s 100% financing is STILL AVAILABLE on the rural areas around Salem, Portland and Eugene Oregon that were going to be no longer eligible for these NO Down Payment Rural Development Loans. USDA is UNIQUE – it takes a specialist to give Buyers the best chance...

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Salem, OR
97301

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 11pm
Sunday 9am - 6pm

Telephone

+15033168000

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