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This week, we are hearing news of a new consumer closing disclosure.  This disclosure required by the CFPB – Consumer Finance Protection Bureau will require lenders to disclose all the terms of a loan to the buyer 3 full days before escrow signing.  Jay Seymour from
Landmark Professional Mortgage explains it as follows: 

“While it's too early to be certain, I think it will work like this, using a file signing this Friday as an example:

-signing is scheduled for this Friday, so that's considered the Consummation Day.

-to be safe we would be required to generate and disclose (electronically via email) the Closing Disclosure to the buyers no later than
the Monday of this week. That would give them the three days in between that should meet the requirements.

-the Closing Disclosure includes the following: general loan details, such as rate, amount, payment, amount in escrow, closing agent info (escrow), closing costs, funds required for closing, etc.

Look for this change on August 1, 2015.   Jay Seymour can be reached at 503.763.2151


Thanks for visiting! As you can see we have a new name.

As we transition from Prudential Real Estate Professionals to Berkshire Hathaway HomeServices, rest assured we are the same folks you have grown to know and love.

CALL US  503-385-0033

email at GateKeeper@KeyToOregon.com  

Brenda Bonebrake  503-932-8222 or Brenda@KeyToOregon.com
Principal Broker, CRS, CDPE, 2013 Realtor
® of the Year, eCertified

Sandy Edwards  503-932-0977 or SandyE@bhhsrep.com
Principal Broker, CRS, eCertified

Leslie Stewart   503-932-8202 or Leslie@KeyToOregon.com
Broker, CRS,  eCertified

Mary Gries   503-881-4976 or Mary@KeyToOregon.com
Broker, eCertified

In today's changing real estate market, experience and timing are everything. Ranked in the "Top 1% of Berkshire Hathaway HomeServices  Nationwide" for the past 14 years, we love what we do. We love where we do it and we would love to show you around. Let us put our combined expertise to work for you. We know that our success comes one transaction at a time and our combined expertise doesn't cost any more, just delivers a greater value to you. We invite you to contact us as we'd be happy to assist you with this most important transaction. In addition, if you have any general questions about buying or selling real estate in Oregon, we are happy to help at any time.



As part of our pledge to service, we are committed to the belief that selling a home is only part of the picture. We market your home on the first pages of the Internet so you are found by thousands of home buyers throughout the world.  Contact us to show you how you can have your house seen before anyone else.


For home buyers we believe that the process should begin with providing a complete picture of the available and surrounding Willamette Valley Oregon communities, rather than just showing available homes, one after another. After
all, if you end up with a pretty home, but find yourself in a community at odds with your personal needs, you have a very poor outcome indeed. Listening to your wants and needs plus support and education on the home buying process are
the key points to finding your Dream Home!