Be Competitive with your Credit Score

Credit Score

If you’re thinking about buying a home, you may be surprised when you apply for your first mortgage. You suddenly find out your credit score is too low and your dream of owning a home seems to be disappearing. Unless you can find a way to raise your credit score, but how? Many first-time home buyers have faced this question. Even though interest rates are low, and money is available, first-time buyers find themselves being denied because their credit scores are too low.

The average credit score is 695. That leaves a significant number of Americans just under the 700-score threshold many banks require. The following are some tips on how to raise your credit score before beginning the application process.

WHY RENT?? When you can buy!

Buy or Rent My Next Home - What Makes More Financial Sense?

Did you know homes are able to be mortgaged with a credit score as low as 520, or 0% down in some cases? With so many lending options, shop around and find out why it’s better to buy!

A day in Ashland

A walk in Lithia Park: Lithia Park stretches 93 acres from the downtown plaza up canyon toward the headwaters of Ashland Creek on Mount Ashland. The forested park contains lawns, duck ponds, tennis courts, a sandpit volleyball court, picnic areas and playground equipment. Its name originates from lithium oxide which is found in the stream water. … Continued

Oregon Shakespeare Festival

  At OSF, there’s so much more to do than plays—we also offer insightful classes, talks, and immersive discussions to complement and enrich your experience of the art on our stages. If you’re here for an afternoon, sample a demonstration or discussion at a Festival Noons or Living Ideas event. And for students and teachers, OSF’s season is packed … Continued

Shady Cove- Gateway to Crater Lake National Park

Crater Lake inspires awe. Native Americans witnessed its formation 7,700 years ago, when a violent eruption triggered the collapse of a tall peak. Scientists marvel at its purity: fed by rain and snow, it’s the deepest lake in the USA and perhaps the most pristine on earth. Artists, photographers, and sightseers gaze in wonder at … Continued

Dining and More in Shady Cove

A sleepy little hideaway, Shady Cove may be small in population, but has a large offering of things to do, places to visit and restaurants to enjoy. Either dining in the water atop a raft, or alongside the riffles of the mighty Rogue, Shady Cove continually proves itself to be a great place to stop … Continued

Rafting and Activities in Shady Cove

McGregor Park and Visitor Center Highway 62, Trail, OR 97541 541-618-2200   Cole M. Rivers Fish Hatchery 200 Cole M Rivers Dr, Trail, OR 97541-9607 541-878-2235 myodfw.com/cole-m-rivers-hatchery-visitors-guide   The Fishin Hole Fly Shop 21873 Highway 62, Shady Cove, OR 97539-8715   Raft the Rogue Rentals 1165 Highway 62, Shady Cove, OR 97539-9715 541-878-3623 rafttherogue.com   Rapid Pleasure Rafting 7725 … Continued

Medford Schools, Services and Local Amenities

Medford is a blend of small town vibe with big city amenities. The convenience of local hospitals and large schools mixed with the local independent shoppes makes Medford a fantastic place to settle down.