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1281Solutions
9220 SW Barbur Blvd.
Suite 119-345
Portland, OR 97219
US

1-800-642-9949
(503) 933-6668
Fax:Toll Free Fax: 1-866-611-7634
Email:
mark@1281solutions.com

1281 Homes Blog
FRIDAY, APRIL 9, 2021
Recreational & Buildable Land 1.55 ACRES in Klamath County $3,900 Only $50 DOWN! Recreational & Buildable Land 1.55 ACRES in Klamath County $3,900 Only $50 DOWN!

$3,900 only $50 down Option
Almost 2 Acres in OR Pines, by Beatty, Oregon
Recreational & Buildable
To View photos, directions and information please go to web site at http://1281homes.com/323/1 Free account, which will then show your user name and password. Click the Property details link. You will then be taken directly to the property site.
To make an appointment to view or questions please call 541-210-9724 or 503-327-1907
Watch the youtube video please click https://youtu.be/NCLIf_Nh_Jc

Thank you for your time

Mark Bordcosh

1281Solutions
http://1281homes.com/
http://1281solutions.com/
Toll Free Phone: 1-800-642-9949
Toll free Fax: 1-866-611-7634
E-mail: mark@1281solutions.com
POSTED AT 11 AM UTC 0 Comments
THURSDAY, APRIL 8, 2021
How to add flexibility and personalization to the borrower experience & Worries web site BELOW PROPERTY NEWS: How to add flexibility and personalization to the borrower experience & Worries web site BELOW

Mortgage lender and servicer Homepoint formerly known as Home Point Financial recently launched a mobile app that is growing in popularity amongst its customers and mortgage broker partners.
The app, a mobile extension of Homepoints online Home Ownership Platform (or HOP), was formally announced as a featured item in the unveiling of its new brand last week. In addition, Homepoint unveiled a new corporate website and fresh, consumer facing messaging.
Those enhancements are part of a strategy that the company is implementing to redefine the homebuying and homeownership experience through people first innovation.

We truly view ourselves as a customer service company that specializes in mortgages. People come first, said Perry Hilzendeger, president of servicing at Homepoint. Our focus is centered on making the borrower experience as simple and easy as possible, while still ensuring we are providing the customer with all the information they need to make the right decision for their situation.
The core of our originations business is done with our broker and correspondent partners and the customer in the center driving business for Homepoint and for our partners, he continued. So weve made it a point, as part of our rebrand, to use messaging that speaks directly to the value and benefits the customer receives from getting a mortgage through Homepoint.

The HOP mobile version is part of a suite of new resources Homepoint introduced to help customers efficiently manage and make the most of their home investment. Through this digital offering, customers can access documents, make payments and discover new products and services that support healthy homeownership habits, Homepoint said in a release.
Our approach is to personalize the borrower experience, one that fits their needs and do so, when, where and how it works best for them, said Hilzendeger. We service over 300,000 customers, and 75 percent of those customers chose the HOP as their primary mode of engagement with us. That leaves 25 percent of our portfolio that prefers more traditional connections via phone, mail or email. We are adapting and evolving to ensure that our customers hear from us and can engage with us in the way that works best for them.

Homepoint, the nations third largest wholesale lender and ninth largest nonbank lender in the third quarter of 2020, leverages a network of over 5,500 partners that bring expertise and insight to the local communities they serve. Through the first nine months of this year, Homepoint closed more than $38 billion in total loan volume, which was already a 71 percent increase from its 2019 year end total of $22.2 billion.

SOURCE: Content Solutions Team

FREE TIP, SERVICE OR PRODUCT: Worries web site at https://www.helpguide.org/articles/anxiety/how-to-stop-worrying.htm

Motivational Quote of the Month
To live a creative life, we must lose our fear of being wrong

KADEN MOONSHINE THRILLER FILMED IN SALEM: Watch it here https://www.youtube.com/watch?v=aTrMN6vTBLQ

Thank you for your time.

Mark Bordcosh

1281Solutions
http://1281homes.com/
http://1281solutions.com/
Toll Free Phone: 1-800-642-9949
Toll free Fax: 1-866-611-7634
E-mail: mark@1281solutions.com
POSTED AT 6 AM UTC 0 Comments
THURSDAY, MARCH 25, 2021
Are YOU Interested in BUYING or SELLING Properties in DESCHUTES County, Oregon? Are YOU Interested in BUYING or SELLING Properties in DESCHUTES County, Oregon?

Deschutes County is one of the 36 counties in the U.S. state of Oregon.
Population was 157,733.
The county seat is Bend.
The county was created in 1916 out of part of Crook County and was named for the Deschutes River, which itself was named by French-Canadian trappers of the early 19th century
Founded December 13, 1916

For more information on Deschutes County go to https://www.census.gov/quickfacts/table/PST045216/00 To access the county web site go to http://www.deschutes.org/

If YES for BUYING, Please go to http://1281homes.com/ fill out the pop up form and we will find the property you want. You can also pick a different County.

2 video links to watch if you want more information. http://youtu.be/E9oZsrnJYAc & http://youtu.be/AFf7godX-EI

If YES for SELLING, Please go to http://www.1281solutions.com/index.php?Page=13 fill out the form and we will buy your property with cash or help you sell it for FREE.

1 video link to watch if you want more information. https://youtu.be/bYjDN_9XXas

Thank you for your time

Mark Bordcosh

1281Solutions
http://1281homes.com/
http://1281solutions.com/
Toll Free Phone: 1-800-642-9949
Toll free Fax: 1-866-611-7634
E-mail: mark@1281solutions.com
POSTED AT 6 AM UTC 0 Comments
THURSDAY, MARCH 18, 2021
MULTIPLE LOTS info. when buying or selling properties and Multiple Lots site Video MULTIPLE LOTS info. when buying or selling properties and Multiple Lots site Video

WATCH it NOW! Click here https://youtu.be/Zu9wIuNcZ08 or https://rumble.com/vdgjhx-multiple-lots-wants-to-buy-your-property.html
Thank you for your time

Mark Bordcosh

1281Solutions
http://1281homes.com/
http://1281solutions.com/
Toll Free Phone: 1-800-642-9949
Toll free Fax: 1-866-611-7634
E-mail: mark@1281solutions.com
POSTED AT 7 AM UTC 0 Comments
THURSDAY, MARCH 11, 2021
What happens when borrowers have more control of the lending process & Multiple lots web site BELOW PROPERTY NEWS: What happens when borrowers have more control of the lending process & Multiple lots web site BELOW

Through every financial transaction in a persons life whether a mortgage, auto, student or personal loan there is one constant the borrower.
Yet borrowers have had limited agency in the lending process to date. Lenders have always controlled access to borrowers ability to pay (ATP) information and, by extension, the transaction as a whole. And because lenders only collect borrower data at a specific point in time typically, during loan qualification or underwriting their understanding of a consumers ATP has a limited shelf life.
FormFree, the ATP fintech led by HousingWire Tech Trendsetter Brent Chandler, is launching a blockchain based exchange for consumers to take control of the lending process. The idea behind the distributed ledger technology, called FormFree Chain, is to provide faster close times and more choice for both loan seekers and lenders by giving consumers access to their own Financial DNA. Financial DNA is a real time, composite view of an individuals ATP based on asset, employment, identity, income, credit and public records data retrieved directly from financial institutions and other authoritative sources.
Had a blockchain like FormFrees been in place in the early days of the COVID19 pandemic, it could have helped avert future lender losses and credit issues, according to Faith Schwartz, who led the HOPE NOW alliance during the 2008 crisis. She now leads advisory firm Housing Finance Strategies and is a member of FormFrees board of directors.

When the pandemic forced a shutdown of the economy, Congress gave blanket permission for any affected consumer to place their mortgage in forbearance, Schwartz said. Lenders had no visibility into the actual financial state of borrowers requesting forbearance, and as a result many lenders and investors found themselves bearing additional risk. In a world where borrowers provide lenders their up to the minute ATP, modifications or workout solutions could be granted in a more sustainable manner thats based on the borrowers true financial condition.
How it works
FormFree Chain is a private, secure provisioned blockchain that is housed in Microsoft Azure Blockchain Service, the cloud provider that has been the home for FormFrees other systems since 2013. Brian Francis, FormFrees CTO and a HousingWire Vanguard, helped design the system alongside Jason Manous and Simon Zekan, who run technology and development at the company.
To determine a borrowers ATP, FormFree collects consumer permissioned data directly from financial institutions and other authoritative data sources, then memorializes that data on the FormFree Chain.

A bigger vision
Were massively shifting the lender centric control of data that exists in traditional lending and putting the customer in control of their own data, including how that information is shared with lenders and other credit providers, Chandler said of the companys new provisioned blockchain for financial identity. In this new paradigm, lenders no longer have to individually validate each borrowers creditworthiness. The ATP is already in the blockchain.
For each deal, a smart contract known as a Passport Token is created that contains the borrowers ATP analytics along with immutable references to the underlying source data, including their lending needs. The smart contract presents the borrowers lending request to the exchange.
If a borrower wants to borrow $50,000 for an auto loan, lenders in the exchange can present loan options to the smart contract based on the consumers ATP determination. The smart contract also knows the borrowers preferred loan characteristics such as whether they prefer the lowest possible monthly payments or the shortest possible loan term and can automatically select the lender that best meets those characteristics.

We’re massively shifting the center of mass in traditional lending and putting the borrower truly at the center of any lending decision, Chandler said. Lenders can look at the Passport Token and make sure that it fits in their risk bucket, then automatically create loan characteristics that align with the borrower’s needs.
The blockchain can offset the need for a human underwriter, Chandler said. When you are evaluating a borrower based on an ATP determination generated from direct source data, the human element is no longer a part of the equation, and lending truly becomes a financial exchange.
Uses of the FormFree Chain do not end with originating loans. Borrowers could authorize sharing of their Financial DNA and ATP with any number of creditors or service providers.
A borrowers ability to pay isnt a static, unchanging number. As income and spending patterns change, the dynamic ATP changes in response, Chandler said. Loan servicers those responsible for collecting payments after the loan closes have always been in the dark about their borrowers true financial status, making it hard to make informed, timely decisions about granting loan modifications and other services for distressed borrowers. With FormFree Chain, they could see the borrowers ATP at all times and potentially adjust loans in real time.
Will lenders accept blockchain

More than 3,000 lenders and partners are already working with FormFree, Chandler said.
FormFree introduced the concept of direct source data to the mortgage industry with the AccountChek Verification of Asset (VOA) report in 2009, he said. We continue to drive innovations that are helping lenders and the secondary market make better informed lending decisions while empowering consumers with access to their own financial data.
Industry observers say the concept has value.
By focusing on the borrower in a lending transaction, Passport Token shifts the process towards the consumer and away from lenders, said Brandon Dewitt, co-founder and CTO at MX. The CFPB and other regulators have long pushed for more consumer centric practices throughout the financial services industry, especially in lending.
Lending is a complex and highly regulated business whose many legacy guidelines and outdated processes have at times impeded industry innovation. But FormFree has navigated those waters successfully in the past, culminating in the companys ability to deliver instant investor representation and warranty relief to lenders using AccountChek VOA.
Weve changed the industry once with AccountChek, and we have the chops and the vision to do it again, Chandler said. As lending becomes decentralized, lenders will need an immutable source of real time, direct source data. Thats blockchain. Where applications of blockchain in lending to this point have focused on post closing, we are bringing blockchain to the origination side. With the FormFree Chain housing the consumer’s ATP determination and the Passport Token smart contract representing the lending opportunity, consumers are finally at the center of their borrowing process.

For more information, visit formfree.com.

SOURCE: Content Solutions Team

FREE TIP, SERVICE OR PRODUCT: Multiple lots web site at www.nolo.com/legal-encyclopedia/closing-procedures-vacant-land-purchase.html

Motivational Quote of the Month
Things work out best for those who make the best of how things work out

SPRING OVER PROPERTIES: Watch it here http://youtu.be/IPE8sPM3RWE

Thank you for your time.

Mark Bordcosh

1281Solutions
http://1281homes.com/
http://1281solutions.com/
Toll Free Phone: 1-800-642-9949
Toll free Fax: 1-866-611-7634
E-mail: mark@1281solutions.com
POSTED AT 8 AM UTC 0 Comments
THURSDAY, FEBRUARY 25, 2021
Are YOU Interested in BUYING or SELLING Properties in CURRY County, Oregon? TO ALL OUR VALUED CLIENTS,

Are YOU Interested in BUYING or SELLING Properties in CURRY County, Oregon?

Curry County is one of the 36 counties in the U.S. state of Oregon
Population was 22,364.
The county seat is Gold Beach.
The county is named for George Law Curry, a two time governor of the Oregon Territory.
Curry County includes the Brookings, OR Micropolitan Statistical Area
Founded: December 18, 1855

For more information on Curry County go to https://www.census.gov/quickfacts/table/PST045216/00 To access the county web site go to http://www.co.curry.or.us/

If YES for BUYING, Please go to http://1281homes.com/ fill out the pop up form and we will find the property you want. You can also pick a different County.

2 video links to watch if you want more information. http://youtu.be/E9oZsrnJYAc & http://youtu.be/AFf7godX-EI

If YES for SELLING, Please go to http://www.1281solutions.com/index.php?Page=13 fill out the form and we will buy your property with cash or help you sell it for FREE.

1 video link to watch if you want more information. https://youtu.be/bYjDN_9XXas

Thank you for your time

Mark Bordcosh

1281Solutions
http://1281homes.com/
http://1281solutions.com/
Toll Free Phone: 1-800-642-9949
Toll free Fax: 1-866-611-7634
E-mail: mark@1281solutions.com
POSTED AT 8 AM UTC 0 Comments
FRIDAY, FEBRUARY 12, 2021
FIXER in Klamath Falls, Oregon VALUE $125K-$152K PRICE ONLY $79,900! FIXER in Tillamook, Oregon VALUE $125K-$152K PRICE ONLY $79,900!

896 Square Feet
VALUE $125,000 to $152,000
$15,000 to $26,000 in fix-up
6,098 SF LOT, and Garage
CASH $79,900 2 Beds and 1 Bath
REMODEL, LIVE, SELL or RENT in Klamath Falls, Oregon

Call (541) 203-4627 or 503-327-1907 to view or more info.

To View photos, directions and information please go to web site at http://1281homes.com/326/A

To WATCH the You Tube Video Please click or put in browser https://youtu.be/bvP9moVvT4w

Thank you for your time

Mark Bordcosh

1281Solutions
http://1281homes.com/
http://1281solutions.com/
Toll Free Phone: 1-800-642-9949
Toll free Fax: 1-866-611-7634
E-mail: mark@1281solutions.com
POSTED AT 11 AM UTC 0 Comments
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