Celebrate the Realtor Nation-wide Open House Saturday 4/20/2013 from 1pm-4pm with Firefly Real Estate at the office.
Stop by and play with aluminum foil. We will provide the foil.
While you are here, take a list of properties we currently have for sale as well as the Open House Information for 4/28/2013 (1-4pm) at 38762 S. Sawtell road, Molalla.
What does 2013 hold in store?
Imagine your euphoria… start here with FireflyRealEstate.com
Whether we are looking at the fiscal cliff, earth weather changes, revolts, civil unrest, new gadgets, shifts in computing, nanotechnology, net connected TV’s, changes in law, education, increases in manual labor and arts, improvements in gaming, improvements in equality, increases in self-sufficiency, increases in accountability, driverless cars, e-book growth, increases or decreases in intellectual property, meteor impacts, asteroids, etc.. we hope 2013 brings much joy and happiness your way amongst all of the changes anticipated.
In 2013, We will continue to bring to the table our unique customer service skills just for you!
We wish you much success in 2013…. And when imagining your euphoria…. if it includes buying or selling real estate.. we hope you will start here with Firefly Real Estate.
Newsworthy links….
Oregon Housing and Community Services has created a new website to help Oregonians avoid or recover from foreclosure. Homeowners can learn about the mortgage assistance program and find certified foreclosure prevention counselors.
Oregon Homeowner Support: Foreclosure Prevention Resources
Zillow Introduces ‘Breakeven Horizon’ to Help with the Decision to Rent or Buy
Zillow now offers a tool that computes the number of years of homeownership it will take to make owning a home a better financial decision than renting.
Rent vs. Buy: What the Standard Indices Aren’t Telling You
Trulia Provides List of Most Attractive School Districts
The economists at the online real estate site Truila have analyzed statistics to determine where families with school-aged children are moving to.
School Districts People Flock to – and Flee From
Trulia – Most Attractive Schools – Full List by State
Independent Foreclosure Review Extended Through December 31, 2012
If you know someone whose primary residence was involved in a foreclosure process between January 1, 2009 and December 31, 2010, they may qualify for a free Independent Foreclosure Review. A review can determine if the homeowner suffered financial injury because of errors or other problems during the foreclosure process.
The program is monitored by federal bank regulators, the Office of the Comptroller of the Currency and the Board of Governors of the Federal Reserve System.
Independent Foreclosure Review
Consumer Financial Protection Bureau Proposes New Mortgage Servicing Rules
The public has the opportunity to comment on new rules proposed by the federal Consumer Financial Protection Bureau. If approved, the rules will require mortgage servicers to provide specific services, such as clear monthly statements, warnings of interest rate adjustments, notifications of forced-placed insurance, and early outreach to delinquent borrowers.
Firefly Real Estate in Mulino, Oregon is celebrating 3+years…… We began this venture February 2009 and celebrated our 3 year as Firefly Real Estate with a backyard concert July 2012 as well as a new sign look……
Thank you for your ongoing support of Firefly Real Estate, your business is appreciated greatly.
Hope you have a wonderful day and if there is anything we can assist you with in your real estate buying or selling, feel free to give us a call at 503-829-8328, e-mail us at FireflyRealEstate@gmail.com, visit us online at http://www.FireflyRealEstate.com or stop by in person at 27955 S. Hwy 213, Mulino, Oregon 97042. Of course, you can always text Jan at 503-799-6334 or Aimee at 503-752-6966.
“Agencies Issue Proposed Rule on Appraisals for Higher-Risk Mortgages
Six federal financial regulatory agencies recently issued a proposed rule to establish new appraisal requirements for “higher-risk mortgage loans.” The proposed rule would implement amendments to the Truth in Lending Act enacted by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. Under the Dodd-Frank Act, mortgage loans are higher-risk if they are secured by a consumer’s home and have interest rates above a certain threshold.
For higher-risk mortgage loans, the proposed rule would require creditors to use a licensed or certified appraiser who prepares a written report based on a physical inspection of the interior of the property. The proposed rule also would require creditors to disclose to applicants information about the purpose of the appraisal and provide consumers with a free copy of any appraisal report.
Creditors would have to obtain an additional appraisal at no cost to the consumer for a home-purchase higher-risk mortgage loan if the seller acquired the property for a lower price during the past six months. This requirement would address fraudulent property flipping by seeking to ensure that the value of the property being used as collateral for the loan legitimately increased.
The proposed rule is being issued by the Board of Governors of the Federal Reserve System, the Consumer Financial Protection Bureau, the Federal Deposit Insurance Corporation, the Federal Housing Finance Agency, the National Credit Union Administration, and the Office of the Comptroller of the Currency.
The Federal Register notice is attached. The agencies are seeking comments from the public on all aspects of the proposal. The public will have 60 days, or until October 15, 2012, to review and comment on most of the proposal. However, comments related to the proposed Paperwork Reduction Act analysis will be due 60 days after the rule is published in the Federal Register. Publication of the proposal in the Federal Register is expected shortly.
For more information, visit http://www.fhfa.gov.”;
We hope you will join us from 3pm-7pm at Firefly Real Estate…… free Backyard Concert….
Call for more details…. 503-829-8328 Ask for Aimee…
