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OREGON RENT CONTROL

The Oregon House has approved new eviction protections and a first-in-the-nation statewide rent control policy. The legislation will be signed by Oregon’s Gov. Kate Brown and takes effect within 5 days once the Governor signs.

With Brown’s signature, Oregon is the first state to enact a statewide rent control program. In other states with rent control policies, cities enact and administer local programs.

The bill caps annual rent increases to 7 percent plus inflation throughout the state. It exempts new construction for 15 years, and landlords would be free to raise rent without any cap if renters leave of their own accord. Subsidized rent would also be exempt.

Backers characterized the bill as unlike the rent control policies common in some of the nation’s most expensive housing markets and dimly viewed by many economists

Studies have found those policies can be effective in reducing displacement of current tenants but result in a reduction in rental housing units and higher rents for new renters.

Democratic leaders have described their bill as an anti-price gouging measure that offers landlords and developers much more flexibility than policies elsewhere.

“This is not the rent control of yesteryear,” said Rep. Mark Meek, D-Clackamas County. “It’s a smart, innovative hybrid.”

But opponents said it would slow investment in housing, adding to the rental shortage that’s contributed to rising rents in the first place.

“With the growing cost of our property taxes, insurance and maintenance, the incentive to add rentals will decrease,” said Rep. Jack Zika, R-Redmond. He suggested it’s likely the restrictions would increased once in place, and that prospect could further drive disinvestment. “Why would anyone invest in a state if the Legislature is prone to tighten restrictions?”

The vote was split mostly along party lines, with three Democrats breaking ranks to vote “no.”

The bill keeps in place the state’s ban on cities implementing their own more restrictive rent control policies, which was passed by the Legislature in 1982 in response to several local rent control pushes.

Senate Bill 608 also requires most landlords to cite a cause, such as failure to pay rent or other lease violation, when evicting renters after the first year of tenancy.

Some “landlord-based” for-cause evictions would be allowed, including the landlord moving in or a major renovation. In those cases, landlords would have to provide 90 days’ notice and pay one month’s rent to the tenant, though landlords with four or fewer units would be exempt from the payment.

In a hearing earlier this month, renters from across the state told lawmakers about how evictions and big rent hikes had affected them.

Tigard resident Gloria Pinzon told lawmakers that she was on track to buy a house when a rent increase followed months later by a no-cause eviction wiped out her savings.

“This happened to me about two months after I’d recently gotten employment after graduating from college,” Pinzon said. “If this had happened to me months before, I don’t know what would have happened to me and my family.”

Landlord groups had mixed views on the legislation, with some taking a neutral stance and others staunchly opposed.

But many landlords told lawmakers they felt unfairly targeted by the bill. They said the bill could drive Oregon landlords out of the business, worsening the housing shortage.

“We really do have a supply issue, and that can’t be ignored,” said Terry Luelling, a Bend rental owner. “Most of those laws are born right here in this building, in the overly restrictive land use.”

Other bills attempt to add to the supply of housing. They include policies that would allow more density in residential neighborhoods, as well as new funding for subsidized affordable housing and initiatives to speed such projects through their development approvals.

Here is the link to Senate Bill 608

Thinking of Selling Your Lake Oswego Home?

Prices are still increasing in Lake Oswego. Interest rates are are still low and there is still buyer demand. If you want to know the value of your home in today’s real estate market, please call me at 503-804-9685.

SEARCH FOR REAL ESTATE

There are links above to search for real estate.  I have a new website where you can search or you can use my mobile phone app as well. My website and mobile app provide you with access to all listings available on the RMLS™ system regardless of who the listing agent or brokerage may be. Listings are updated frequently throughout the day giving you the information you need, when you need it.

Moving to Lake Oswego?

Want to know more about Lake Oswego? I’d love to be your buyer’s agent, please give me a call at 503-804-9685.

I have worked in Lake Oswego as a Real Estate Broker since 1978 and have lived in Lake Oswego since 1988 and know all the neighborhoods! I am ready to assist you with all your real estate needs! “There is no substitute for experience.”

ALL ABOUT…..Lake Oswego Real Estate. Copyright 2008-2019. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of Federal copyright laws.

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Lake Oswego Real Estate Updated Smoke Detector And Carbon Monoxide Law

I was told the other day by a home inspector, that there have been some changes made to the law for installation of Smoke Alarms and Carbon Monoxide Detectors.  Here is the latest:https://lakeoswegorealestateblog.wordpress.com/

Smoke alarms shall be installed in the following locations:

  1. In each sleeping room.
  2. Outside each separate sleeping area in the immediate vicinity of the bedrooms.
  3. On each additional story of the dwelling, including basements, but not including crawl spaces and uninhabitable attics. In dwellings or dwelling units with split levels and without an intervening door between the adjacent levels, a smoke alarm installed on the upper level shall suffice for the adjacent lower level.
  4. Smoke alarms shall be installed not less than 3 feet horizontally from the door or opening of a bathroom that contains a bathtub or shower unless this would prevent placement of a smoke alarm.

When more than one smoke alarm is required to be installed within an individual dwelling unit the alarm devices shall be interconnected in such a manner that the actuation of one alarm will activate all of the alarms in the individual unit. This does not pertain to legally existing dwellings unless work requiring a structural permit is taking place. This information can be found in section R314 of the Oregon Residential Specialty Code.

The installation of smoke alarms and smoke detectors shall comply with the following requirements: 

  1. Smoke alarms and smoke detectors shall not be located where ambient conditions, including humidity and temperature, are outside the limits specified by the manufacturer.
  2. Smoke alarms and smoke detectors shall not be located within unfinished attics or garages or in other spaces where temperatures can fall below 4°C (40°F) or exceed 38°C (100°F).
  3. Where the mounting surface could become considerably warmer or cooler than the room, such as a poorly insulated ceiling below an unfinished attic or an exterior wall, smoke alarms and smoke detectors shall be mounted on an inside wall.
  4. Smoke alarms and smoke detectors installed within a 6.1-m (20-ft) horizontal path of a cooking appliance shall be equipped with an alarm-silencing means or be the photoelectric type but no closer than 10 feet.
  5. Smoke alarms and smoke detectors shall not be installed within a 914-mm (36-in.) horizontal path from a bathroom containing a shower or tub.
  6. Smoke alarms and smoke detectors shall not be installed within a 914-mm (36-in.) horizontal path from the supply registers or return air opening of a forced air heating or cooling system and shall be installed outside of the direct airflow from those openings.
  7. Smoke alarms and smoke detectors shall not be installed within a 914-mm (36-in.) horizontal path from the tip of the blade of a ceiling-suspended (paddle) fan.
  8. Where stairs lead to other occupied levels, a smoke alarm or smoke detector shall be located so that smoke rising in the stairway cannot be prevented from reaching the smoke alarm or smoke detector by an intervening door or obstruction.
  9. For stairways leading up from a basement, smoke alarms or smoke detectors shall be located on the basement ceiling near the entry to the stairs.
  10. Smoke alarms or smoke detectors shall be installed in each sleeping room in the immediate vicinity of all sleeping areas.
  11.  All smoke alarms are to be installed according to the manufacturer’s recommendations.

The National Fire Protection Assn. Article 72 (aka: National Smoke Alarm Code) states that smoke alarms shall not be in service after 10 years. [ref: NFPA 72 – 11.8.1.4 (5)(b) – Smoke alarms installed in one-and two-family dwellings shall not remain in service longer than 10 years from the date of manufacture.] A typical manufacturer and the U.S. Consumer Product Safety Commission recommends replacing smoke alarms every 7-8 years as the sensor weakens.

Carbon monoxide alarms shall be located in each bedroom or within 15 feet outside of each bedroom door. Bedrooms on separate floor levels in a structure consisting of two or more stories shall have separate carbon monoxide alarms serving each story.

Thinking of Selling Your Lake Oswego Home?

Prices are still increasing in Lake Oswego. Interest rates are also increasing but are still low and there is a huge pool of buyer demand. I have ready, willing and able buyers ready to purchase your home. If you want to know the value of your home in today’s real estate market, please call me at 503-804-9685.

SEARCH FOR REAL ESTATE

There are links above to search for real estate.  I have a new website where you can search or you can use my mobile phone app as well. My website and mobile app provide you with access to all listings available on the RMLS™ system regardless of who the listing agent or brokerage may be. Listings are updated frequently throughout the day giving you the information you need, when you need it.

Moving to Lake Oswego?

Want to know more about Lake Oswego? I’d love to be your buyer’s agent, please give me a call at 503-804-9685.

I have worked in Lake Oswego as a Real Estate Broker since 1978 and have lived in Lake Oswego since 1988 and know all the neighborhoods! The real estate market is “hot” here in the Portland metro area and Lake Oswego. I am ready to assist you with all your real estate needs! “There is no substitute for experience.”

ALL ABOUT…..Lake Oswego Real Estate. Copyright 2008-2018. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of Federal copyright laws.

Yesterday, I was reminded how important one of our State Laws is in regards to homeowners/renters and that lives are being saved because of it.

Lake Oswego Real Estate Law To Protect You

Two incidents occurred yesterday, on the same day, and many lives were saved as a result of this law.  The law was officially put in place in 2009.

What I am referring to is the law that homes need to have Carbon Monoxide Detectors – the COAlarmLaw.

Carbon Monoxide Detectors

These two incidents happened on the same day:

  • On my way to an appointment for a home inspection, I stopped off at my local dry cleaners.  The gal there told me how they had to evacuate their home the night before due to their carbon monoxide detector alarm going off.  Thankfully it went off, because the firefighters told her that their carbon monoxide detector was on its last leg and would be expiring within a couple of days.  Had it been a couple more days, they probably would not have been warned, and the consequences could have been dire.
  • Right after going to the dry cleaners, I went on to my home inspection for a sale pending I have.  Once there, almost the same thing happened.  During the home inspection, the inspector found gas fumes and carbon monoxide entering the home.  The inspector immediately shut off the gas.  He too said that the CO Alarm would be expiring in under 30 days and again, those sellers might not have received a warning to leave the home due to deadly fumes and toxins.

You may remember recently an entire family died in Mexico because of carbon monoxide poisoning.

Expiration Dates For Carbon Monoxide Detectors

What I never knew until yesterday was that the Carbon Monoxide Detectors have expiration dates just like smoke alarms.  Some expire in 5 years, others 8 to 10 years.  The law I posted above doesn’t mention that they expire.

If you purchased a home after 2009, you may be facing a potential risk with deadly results if you don’t have a functioning carbon monoxide detector.  Yours could have already expired by now or will shortly. It is really important for you to check the expiration date for your carbon monoxide detector.

For a minimal price, you could be saving your own life and your family.

Thinking of Selling Your Lake Oswego Home?

Prices are increasing at a fast pace in Lake Oswego. Interest rates are still low and there is a huge pool of buyer demand. I have ready, willing and able buyers ready to purchase your home. If you want to know the value of your home in today’s real estate market, please call me at 503-804-9685.

SEARCH FOR REAL ESTATE

There are links above to search for real estate.  I have a new website where you can search or you can use my mobile phone app as well. My website and mobile app provide you with access to all listings available on the RMLS™ system regardless of who the listing agent or brokerage may be. Listings are updated frequently throughout the day giving you the information you need, when you need it.

Moving to Lake Oswego?

Want to know more about Lake Oswego? I’d love to be your buyer’s agent, please give me a call at 503-804-9685.

I have worked in Lake Oswego as a Real Estate Broker since 1978 and have lived in Lake Oswego since 1988 and know all the neighborhoods! The real estate market is “hot” here in the Portland metro area and Lake Oswego. I am ready to assist you with all your real estate needs! “There is no substitute for experience.”

ALL ABOUT…..Lake Oswego Real Estate. Copyright 2008-2018. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of Federal copyright laws.

https://lakeoswegorealestateblog.wordpress.comLake Oswego Real Estate Code Of Ethics

As a Lake Oswego Real Estate Broker, I am also a REALTOR®.  REALTORS® subscribe to the Code Of Ethics which is a barometer and guide. It consists of articles of behavior that we who belong to the NAR® (National Association of REALTORS®) must adhere to. Not all agents here locally or throughout the U.S. are REALTORS®.

Real Estate Code Of Ethics

What actually is in the Code of Ethics?  Have you ever read the articles that are in the Code of Ethics that relate to you as a consumer?  In 2013, the Code of Ethics turned 100 years old and is a part of being a REALTOR®.

I thought I would post a copy of those articles here for you to read.

REALTORS® Code of Ethics

In the many Facebook groups I belong to, because of the “hot” and highly competitive real estate market due to such low inventory of houses for sale here in Lake Oswego, in the Portland metro area and all across the U.S., as in other industries there seems to be relatively few “bad apples” in our business too.

Many of our local agents are posting some of that happening here locally.  We as real estate agents are self governing and need to report to our respective real estate organizations when there is any unethical behavior. Unfortunately, most consumers don’t even realize when an agent has perhaps been in violation of our Code of Ethics. Fortunately,  99.999% of all real estate agents in our Portland metro market adhere to the Code of Ethics.

Hiring A Real Estate Agent

When hiring a real estate agent, ask them if they are a REALTOR®. In fact, ask them to show you their REALTOR® identification and don’t just take their word for it.  Because some real estate agents may use that name loosely and not be a REALTOR® at all. If you are wanting to hire a real estate agent who is highly ethical, give me a call. I am always trying to improve my service to my clients as well.

Thinking of Selling Your Lake Oswego Home?

Prices are increasing at a fast pace in Lake Oswego. Interest rates are still low and there is a huge pool of buyer demand. I have ready, willing and able buyers ready to purchase your home. If you want to know the value of your home in today’s real estate market, please call me at 503-804-9685.

SEARCH FOR REAL ESTATE

There are links above to search for real estate.  I have a new website where you can search or you can use my mobile phone app as well. My website and mobile app provide you with access to all listings available on the RMLS™ system regardless of who the listing agent or brokerage may be. Listings are updated frequently throughout the day giving you the information you need, when you need it.

Moving to Lake Oswego?

Want to know more about Lake Oswego? I’d love to be your buyer’s agent, please give me a call at 503-804-9685.

I have worked in Lake Oswego as a Real Estate Broker since 1978 and have lived in Lake Oswego since 1988 and know all the neighborhoods! The real estate market is “hot” here in the Portland metro area and Lake Oswego. I am ready to assist you with all your real estate needs! “There is no substitute for experience.”

ALL ABOUT…..Lake Oswego Real Estate. Copyright 2008-2018. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of Federal copyright laws.

These days real estate is challenging. There are new real estate laws hitting us almost daily with more to come, new financing terms, and when there are many players all involved in the same transaction, it is a maze that sellers and buyers walk through.  As a knowledgeable, experienced and educated REALTOR® I know market conditions, financing, and I keep tabs on all the new laws and regulations to assist you.https://lakeoswegorealestateblog.wordpress.com/

BUYING LAKE OSWEGO REAL ESTATE

Now you’ve decided to buy a house. Do you become a customer or a client? You might think both words mean the same and are interchangeable.  However, when it comes to representation in a real estate transaction, there are different types of relationships that we as REALTORS® are able to provide.

The short and simple version is that it comes down to the type of agency relationship you have with your real estate agent/brokerage and whether there has been disclosure and a signed agreement.   There are other types of agency relationships, but I am only including the basic and most common types here.

The National Association of REALTORS® Code of Ethics requires all REALTORS® disclose whether they represent the buyer, the seller, or both parties. Laws governing the method and timing of the disclosure can vary in each state.

REAL ESTATE AGENCY DISCLOSURE

CLIENT

There are several ways, as a buyer or seller, in which you become a client of a real estate agent/brokerage.  Most have to do with the type of agency agreement you have entered into with your REALTOR® which dictates the kind of representation you will receive in a transaction.  Laws and relationships vary state-by-state.  There are other types of agency relationships, but I am writing this post based on the most typical scenarios in Oregon:

  • Seller’s agent or listing agent. A seller’s representative is hired by and represents the best interests of a seller. The relationship usually is created by a signed listing contract or listing agreement.  The agent/brokerage represents the seller only.
  • Buyer’s  agent.This type of real estate agent is hired by prospective buyers to represent them in a real estate transaction. A buyer’s rep (more commonly called a buyer’s agent) works in the buyers’ best interest throughout the transaction. The buyers can pay the agent directly through a negotiated fee, or the buyers’ agent may be paid by the seller or by a commission split with another agent, i.e. the listing broker.  In Oregon, we have a Buyer Broker agreement, similar to a listing agreement where we  “list” you as a buyer and you then become a client.  Our agency relationship and representation is spelled out in the Buyer Broker Agreement and must be signed by all parties.  That agent then represents the buyer only.
  • Dual agent. Dual agency relationships occur not only when one agent represents two parties but also when two agents from the same company represent two parties in the transaction. Dual agency is not allowed in some states, but where permitted, it must be disclosed to both buyer and seller, who must both sign a consent to a dual agency relationship. It is legal here in Oregon. Sample_Initial_Agency_Disclosure_Pamphlet. In another post I will write more about dual agency.

CUSTOMER

  • There is no agency contract, agreement or representation owed by an agent to a customer nor is there any obligation by the customer to the agent.  No buyer broker agreements or listing agreements are signed and executed.  There is no representation to a customer in a real estate transaction and the agent is not under any obligation to provide that representation to you.

As stated, since this post is based on Oregon rules and regulations, they can vary from state-to-state.  If you want full representation in all real estate related transactions, become a client rather than a customer of a REALTOR® and their brokerage in Oregon.

For any further assistance regarding disclosure or questions, please consult with a Real Estate Attorney.

SEARCH FOR REAL ESTATE

There are links above to search for real estate.  I have a new website where you can search or you can use my mobile phone app as well. My website and mobile app provide you with access to all listings available on the RMLS™ system regardless of who the listing agent or brokerage may be. Listings are updated frequently throughout the day giving you the information you need, when you need it.

Thinking of Selling Your Lake Oswego Home?

Prices are increasing at a fast pace in Lake Oswego. Interest rates are still low but are increasing, and there is still a huge pool of buyer demand. I have ready, willing and able buyers ready to purchase your home. If you want to know the value of your home in today’s real estate market, please call me at 503-804-9685.

Moving to Lake Oswego?

Want to know more about Lake Oswego? I’d love to be your buyer’s agent, please give me a call at 503-804-9685.

I have worked in Lake Oswego as a Real Estate Broker since 1978 and have lived in Lake Oswego since 1988 and know all the neighborhoods! The real estate market is “hot” here in the Portland metro area and Lake Oswego. I am ready to assist you with all your real estate needs! “There is no substitute for experience.”

ALL ABOUT…..Lake Oswego Real Estate. Copyright 2008-2018. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is in violation of federal copyright laws.

Oregon Legislative Update

There were a couple of controversial proposals that hit the media and Facebook discussion groups.  I thought you might like to know the outcome of some of the legislation that was proposed.

First Time Home Buyer Savings Accounts, died in committee

 

Oregon is facing an affordable housing crisis. The housing market is suffering because homes are becoming increasingly expensive and it takes too long for many young people and renters to save enough money for a down payment on a home. High rents, student loan payments and wages that don’t keep up with the cost of living are tough obstacles to overcome.

That’s why OAR pursued the Oregon First-Time Homebuyers Savings Program (HB2996 and SB849) – a new idea to help prospective home buyers start saving for their first home.

Unfortunately, despite being well received by a bipartisan group of legislators, neither bill made it to the Governor’s desk for signature. The politics of housing policies caused considerable collateral damage. We will re-introduce the concept in the 2018 short session.

SB 849 – Passed Senate Business and Transportation, died in Senate Revenue
HB 2996 – Passed House Human Services and Housing, died in House Revenue.

HB 3357 – Doc Recording Fee, died in Ways and Means

 

FAs introduced, the bill would have doubled the fee charged and collected by county clerks for real estate document recordings. With housing affordability issues on the forefront of everyone’s mind, this session wasn’t the right time to advance this policy and the bill died in committee. Existing statute directs this fee to be credited to the County Assessment and Taxation Fund which is then distributed as follows: 76% to the General Housing Account, 10% to the Emergency Housing Account, and 14% to the Home Ownership Assistance.

Sent to Ways and Means on April 20, died in committee.

HB 2004-B – Rent Control, died on Senate President’s Desk

 

In the midst of a housing crisis in many parts of the state, HB 2004-B, was intended to address increasing rents and limited supply of rental units. Although well intentioned, the bill presented numerous unintended consequences that would have made the situation worse. Rather than focusing on increasing supply of housing, the bill would have made it more difficult for existing landlords and would have significantly stifled the development of new multifamily units.

While the bill’s allowance for San Francisco style rent control provisions were removed in the Senate, the bill lacked the votes for passage from the Senate.

HB 5037 – Oregon Real Estate Agency Budget & SB 68 – Broker Licensing Fee Increase, both bills passed and were signed by the Governor; HB 5037 on May 15, 2017, Effective July 1, 2017; SB 68 on 5-21, effective Jan. 1, 2018.

 

The Oregon Real Estate Agency is funded entirely with fees paid for professional licenses by brokers, principal brokers and property managers and from publication fees. The Real Estate Agency last instituted a comprehensive fee increase in 1997. The user- specific fees were increased to cover inflationary costs and staff time associated with the provision of services. The Real Estate Agency collaborated with stakeholders over the course of the 2015-17 biennium to gather input, develop the new fee schedule and to inform licensees about the timing and reasons behind the fee proposal.

Senate Bill 68 (2017) increases fees imposed by the Oregon Real Estate Agency and established new fees. The approved fee increases in Senate Bill 68 (2017) are for:

  • License Applications from $230 to $300
  • Active License Renewal from $230 to $300
  • Inactive License Renewal from $110 to $150
  • Late Renewal Fee from $30 to $150
  • Reactivation Fee from $75 to $150
  • Business Name Registration Fee from $230 to $300
  • Branch Office Registration Fee from $10 to $50
  • Escrow Renewal Fee from $300 to $450
  • Escrow Branch Office Renewal from $150 to $225
  • Temporary License Fee from $40 to $150
  • Temporary License Extension Fee from $40 to $150
  • Registered Business Name Renewal Fee established at $50
  • Registered Business Name Change Fee established at $300
  • Continuing Education Provider Application established at $300
  • Escrow Application Fee from $300 to $450
  • Continuing Education Provider Renewal established at $50
  • Escrow Branch Office Application from $150 to $225
SB 67 – Agency ORS Chapter 696 Rewrite, passed, signed by Governor on June 6, 2017, effective Jan. 1, 2018

 

SB 67 made technical fixes to Chapter 696, including updates to language and references and reorganization of some material for readability.

The measure also removed the requirement that a principal real estate broker or real estate broker create a client trust account when they act as a courier by taking a check made out to the seller or lessor from a purchaser or lessee for the purpose of conveying same to the seller or lessor.

This measure also provided that a licensed real estate property manager may not solicit a potential tenant unless they have a written property management agreement with the lessor.

The technical fixes in this concept are the result of a comprehensive review of ORS chapter 696 made to ensure alignment of the language, references and processes described in the chapter.

Put simply, the bill synchronizes terminology and references within Chapter 696, improves readability, and makes technical fixes to issues discovered in the course of applying existing law and through communication with the regulated community.

HB 3099 – Principal Broker Continuing Education, died in committee

 

Introduced late in session, HB 3099 was the product of the “Raise-the-bar” Presidential Workgroup at OAR. Designed to provide principal brokers with specific continuing education to increase professionalism by providing greater guidance to brokers they supervise, the bill was introduced too late in the process to advance.

The concept will be re-introduced in the 2018 short session.

HB 2006 – Mortgage Interest Deduction (HB 3298, HB 2060), died in committee

 

Since its inception over a century ago, the U.S. income tax system has recognized the positive effects of homeownership for families, communities, and society by rewarding home buyers with tax benefits. The result has been a home-owning society that is, in many respects, the envy of the world.

Since the State of Oregon has such a reliance on income tax1 the mortgage interest deduction is tied to the federal code. The code allows an individual to deduct the interest payments on no more than $500,000 of total mortgage debt or $1,000,000 of indebtedness for joint filers.

House Bill 2006 would have eliminated the MID for individuals making $100,000 or more ($200,000 for joint filers). HB 2006 would have also capped the amount of interest that could be deducted for those individuals making under $100,000 ($200,000 for joint filers) at $15,000 on their primary residence. In addition, the bill would have eliminated the MID for second homes.

A deduction of interest helps middle class families when they need it most – at the beginning of their home ownership experience when payments of interest on a loan is greatest. The proposed tax credit was an arbitrary value with no relation to a home’s cost and interest rates on a home loan.

While married couples make up the majority of first-time homebuyers, singe females make the second largest percentage of first-time buyers. They would have been hit particularly hard by the arbitrary income limitations imposed by the bill.

The bill would have also exacerbated the current affordable housing challenges facing our state by making it even more difficult for many families to qualify to purchase homes in places like Portland and close-in suburbs.

While HB 2006 died in committee, the context of the bill was threatened in additional legislation. HB 3298 and HB 2060 were scheduled for work sessions in House Revenue at later dates, after HB 2006 had died in committee. Both bills would have impacted homeownership in negative ways. And, most disturbingly, all of the bills would have been able to advance with simple majority votes, rather than the 3/5 majority needed for bills that increase taxes.

186.9% of the state general fund budget is sourced from personal income taxes (2016-17 Oregon Bluebook).

HB 2771 – Eliminating the Deductibility of Property Taxes, died in committee

 

House Bill 2771 would have phased out the itemized deduction for real property taxes for incomes between $50,000 and $125,000 for single taxpayers and between $100,000 and $250,000 for joint taxpayers. In addition, the bill would have eliminated the ability to deduct property taxes for single tax payers making $125,000 or joint tax payers making $250,000 or more in a year.

When itemized deductions exceed the standard deduction, Oregon taxpayers have the option to itemize deductions. Despite the inequities in Oregon’s property tax system, it provides predictability for Oregon homeowners. We understand that property tax reform is a difficult task, but we need property tax reform that still provides predictability. A bill like HB 2771 distracts from the larger issues that need attention.

There is little connection between property taxes paid, a home’s real market value and a taxpayer’s ability to pay. HB 2771 would have exacerbated the inequities in the system.

HJM 3 – Appraisers: Passed, signed by presiding officers May 18, 2017 & May 22, 2017 and was filed with the Secretary of State on May 22, 2017.

 

Under this House Joint Memorial, the Oregon Legislature highlighted the issue surrounding appraisals in the State of Oregon. The memorial urges Congress to instruct the Appraiser Qualifications Board to develop a temporary standard or accreditation to provide immediate relief from the shortage of real estate appraisal professionals by highlighting the following

HJM 3 supports changes to the minimum appraiser qualifications criteria proposed by the Appraiser Qualifications Board of the Appraisal Foundation, including development of an alternative track for progressing from one State Licensed Appraiser to another.

  • In 2016, more than 62 percent of appraisers were 51 years of age or older, 24 percent were between 36 and 50 years of age and only 13 percent were 35 years of age or younger
  • The present criteria result in an infeasible financial burden, as wages earned by appraisers are not high enough to induce an individual to enter the profession after incurring the costs of a four-year college degree, especially when the degree must be accompanied by a multiple year, and often unpaid, internship.
  • The shortage of appraisers affects rural Oregonians in greater numbers than those in urban areas.
HB 2189-A – Appraisers Record Retention (Statute of Repose), signed by Governor on May 25, 2017

 

Real estate appraisers are subject to a recordkeeping rule through our federal regulatory document, the Uniform Standards of Professional Appraisal Practice. By that rule, appraisers must retain work files for five years after the completion of an appraisal project in most circumstances.

HB 2189 implemented a common-sense solution in marrying liability on that activity to the federal Record Keeping Rule. The bill was changed in the Senate by a friendly amendment to match real estate agents’ limit of liability at six years so the limit is seamless for the public.

The limitation in liability for appraisers would not apply to cases of fraud and misrepresentation, for which the 2-year discovery rule in ORS 12.110 would continue to apply. Most appraisers are small businesses and a lawsuit, or the threat of a lawsuit, can be devastating. We believe that the provisions of HB 2189 will bring certainty to appraisers regarding how long after performing an appraisal they may be sued, and will allow appraisers to adequately manage the risks associated with providing those services.

HB 2501 – Appraiser Shortage, died in committee

 

House Bill 2501 directed the Appraiser Certification and Licensure Board to establish rates of pay for independent contractor appraisers. As a benefit to appraisers, it would have required appraisal management companies to compensate independent contractor appraisers at rates set by the Board. In addition, it would have required appraiser management company to pay appraiser within 31 days, as opposed to 45 days, or according to an agreed upon schedule.

The bill was introduced after several legislators were contacted by constituents telling stories of highly inflated costs for standard appraisals, particularly in the more rural parts of the state.

HB 2748 – Wood Smoke Policy & Funding, signed by Governor on May 23, 2017, effective date July 1, 2017 (DEQ budget not yet signed by Governor)

 

Following a lengthy interim work group on the topic of wood burning smoke, House Bill 2748 was introduced during the 2017 session and contained many recommendations as a result of that work. After considerable public discussion, the bill was eventually amended to allow for funding from both private and public sources, expands the allowable use of funding to replace or remove uncertified stoves, and requires the Oregon Department of Environmental Quality (DEQ) to prioritize grants to areas that are currently in non-attainment or areas that are in substantial risk of being designated as a non-attainment area due to particulate matter. The bill passed with broad bi-partisan support through the legislative process before being signed by Governor Brown on June 21st and became effective July 1, 2017.

In an effort to provide funding for the program, the state has invested $250,000 through the DEQ budget to kick-start the grant program. In a budget year such as this, an initial investment of that magnitude is a success for the program. In the end, the DEQ budget passed through both chambers on a close margin before heading to the Governor’s desk for signature.

SB 812 – Septic Repair/Replacement Policy & Funding, signed by Governor June 6, 2017, effective June 6, 2017 (DEQ budget not yet signed by Governor)

 

Septic system repair and replacement has been a priority of the association for multiple years now. Having previously worked directly with DEQ to provide education for our membership, supporting this low interest loan septic program policy has been a priority over the past few sessions. Following the successful passage of the original septic system repair and replacement program and funding during the 2016 session, it was discovered that technical fixes were necessary in 2017. SB 812 provided those technical fixes, which include: clarifying that an applicant for a low interest loan need not borrow the full amount of the project, clarifies the requirement that the homeowner or business connect to a sewer system if available, and allows for funds to be used for a regional evaluation of a community septic system. The bill passed through the legislature unanimously with the members present and was signed by the Governor on June 16, 2017.

In addition to the policy fixes to the program, there was an additional funding request to help sustain and expand this incredibly successful program. The request was $1.5 million of state investment in the program after receiving $250,000 during the previous session. While we faced a $1.8 billion budget hole to begin the session, we felt this was a critical program and advocated for the full request. In the end, the full $1.5 million ($200,000 of which is for DEQ administration) was allocated through the DEQ budget for the septic program and marks a substantial investment in a successful and important program. In the end, the DEQ budget passed through both chambers on a close margin before heading to the Governor’s desk for signature.

SEARCH FOR REAL ESTATE

There are links above to search for real estate.  I have a new website where you can search or you can use my mobile phone app as well. My website and mobile app provide you with access to all listings available on the RMLS™ system regardless of who the listing agent or brokerage may be. Listings are updated frequently throughout the day giving you the information you need, when you need it.

Thinking of Selling Your Lake Oswego Home?

Prices are increasing at a fast pace in Lake Oswego. Interest rates are still low but are increasing, and there is still a huge pool of buyer demand. I have ready, willing and able buyers ready to purchase your home. If you want to know the value of your home in today’s real estate market, please call me at 503-804-9685.

Moving to Lake Oswego?

Want to know more about Lake Oswego? I’d love to be your buyer’s agent, please give me a call at 503-804-9685.

I have worked in Lake Oswego as a Real Estate Broker since 1978 and have lived in Lake Oswego since 1988 and know all the neighborhoods! The real estate market is “hot” here in the Portland metro area and Lake Oswego. I am ready to assist you with all your real estate needs! “There is no substitute for experience.”

ALL ABOUT…..Lake Oswego Real Estate. Copyright 2008-2018. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is in violation of federal copyright laws.

New Closing Rules Remain a Challenge

mortgage loan 2

It’s been a little more than a year since new federal closing rules took effect. Under the rules, the HUD-1 Settlement Form was replaced with a new Closing Disclosure, the Good Faith Estimate was replaced with a new Loan Estimate, and some new timing requirements were imposed. Real estate professionals continue to have concerns with the changes and were among the many people and organizations that submitted almost 1,600 comments to the Consumer Financial Protection Bureau as it works to finalize a rule that would try to improve  the process. NAR also submitted comments. Among other points, NAR says it remains too difficult for real estate professionals to get a copy of the closing disclosure so they can help their clients.

Below is a Q&A with officials from NAR and the Mortgage Bankers Association that discusses the Closing Disclosure and other issues with the new process. Representing NAR is Joe Ventrone, deputy chief of regulatory affairs, and representing the MBA is Pete Mills, senior vice president of residential policy and member engagement. In their discussion, they refer to the new rules either as the “Know Before You Owe” rules or TRID, which stands for RESPA-TILA Integrated Disclosure. In both cases, they’re referring to the closing rule changes that were finalized in 2013 and took effect last year on Oct. 3.

Joe Ventrone, NAR deputy chief of regulatory affairs: The TRID or “Know Before You Owe” rule has been a top priority for the industry since it was finalized in 2013, but we regularly hear from members and colleagues in the industry who have lingering concerns. Before we discuss how the industry is operating now, let’s talk about the goals of the rule. From the MBA’s perspective, why did these changes happen?

Pete Mills, MBA senior vice president of residential policy and member engagement: Home buyers invest a lot of energy in shopping for just the right home to meet their needs. Borrowers should be shopping for a mortgage like they shop for a home. Not every borrower is the same and not every lender or loan product is the same. As many REALTORS® can recall, before KBYO borrowers were getting a lot of information and paper that was not easy to decipher. With the rule and these new forms, the Loan Estimate and the Closing Disclosure, the Consumer Financial Protection Bureau was trying to consolidate overlapping disclosures, reduce confusion about loan terms and details for borrowers, and make it easier for consumers to shop and compare loan options. As important as it is for buyers to find the right home, it is just as important for them to find the right loan and understand all the key terms of that loan.

Ventrone: This was a challenging implementation and everyone in the process — lenders, settlement service providers, and REALTORS® — did a lot of work to get ready and be able to help consumers understand the new process. For their part, REALTORS® did a lot of work in the run-up to KBYO to educate themselves on what was coming. After all, staying current on developing issues is critical in this new regulatory environment. We believe the reforms were important and will ultimately aid the consumer by offering a clearer picture of their mortgage, but there’s no question there are still bumps in the road that need to be smoothed over. How does the MBA see it?

Mills: The KBYO rule was undoubtedly the most complex reform of the home mortgage disclosure regime ever undertaken, and there are definitely issues that need to be addressed. Despite the detailed nature of the rule, the first year of implementation has uncovered a number of challenges and questions. This resulted in a variety of different interpretations by different parties to the loan transaction that threatened to jam up the system, particularly in the secondary market. Fortunately, the CFPB heeded the industry’s call for a good-faith compliance period, and in August released a proposed rule to address some of the outstanding questions and concerns.

Ventrone: Is there anything specific that REALTORS® should know about the proposed changes to the KBYO rule that might help home buyers and refinancers?

Mills: The proposed changes to the rule provides lenders greater clarity on a wide variety of technical issues that are impeding the ability to sell loans into the secondary market and that expose lenders and investors to compliance and legal risks for minor errors on the disclosures. For example, the proposed changes would help ensure that KBYO does not result in delayed closings when the buyer and seller decide to change the closing date. There are other provisions that will make it easier to do one-time close construction loans and provide greater clarity on co-op loans. It’s important for the smooth functioning of the real estate sales process to have clear compliance requirements.

Ventrone: I’m glad you brought up need for additional clarity with respect to some components of the rule. REALTORS® are telling us that getting their hands on the Closing Disclosure has been a challenge since KBYO went into effect. They are saying some lenders and title agents cite concerns with federal privacy rules and simply won’t do it. In fact, nearly half of our members in a recent survey have reported trouble getting copies of the CD to review. The CFPB did include some additional guidance in its proposed rule to provide clarity on the interaction of KBYO with Regulation P, the CFPB’s privacy rules. We’re hopeful that will have a real effect on lenders. Does the MBA share that optimism?

Mills: In the proposed rule, the Bureau says that it is “usual, accepted, and appropriate” for creditors and settlement agents to provide a closing disclosure to the relevant parties. The proposed rule says this standard meets one of the exceptions to the restrictions in Regulation P on sharing consumer information. This provides some helpful clarity for lenders. With this language, we expect more lenders will now feel comfortable sharing the CD with their customer’s real estate agent. It’s important to remember, however, that Reg P only sets a legal floor for privacy standards. Some lenders may take extra steps to protect their own customers’ privacy, such as asking for a signed consent form from the borrower. This approach is commonly used today, and should not pose a significant barrier for your members getting the information they need.

Ventrone: Our members are trusted advisers who help guide consumers through a large, complex transaction, which lenders should appreciate when it comes to helping the client understand the CD. Do you agree that sharing the CD is not just a help to real estate agents — it makes good business sense, too?

Mills: At the end of the day, we all know that real estate is a business built on relationships. The clarification proposed by the Bureau should help smooth the process. We are all working toward the same goal of making sure that our clients walk away from the closing table feeling happy and confident with their decisions and prepared to be successful home owners.

— National Association of REALTORS®

SEARCH FOR REAL ESTATE

There are links above to search for real estate.  I have a new website where you can search or you can use my mobile phone app as well. My website and mobile app provide you with access to all listings available on the RMLS™ system regardless of who the listing agent or brokerage may be. Listings are updated frequently throughout the day giving you the information you need, when you need it.

Thinking of Selling Your Lake Oswego Home?

Prices are increasing at a fast pace in Lake Oswego. Interest rates are still low but are increasing, and there is still a huge pool of buyer demand. I have ready, willing and able buyers ready to purchase your home. If you want to know the value of your home in today’s real estate market, please call me at 503-804-9685.

Moving to Lake Oswego?

Want to know more about Lake Oswego? I’d love to be your buyer’s agent, please give me a call at 503-804-9685.

I have worked in Lake Oswego as a Real Estate Broker since 1978 and have lived in Lake Oswego since 1988 and know all the neighborhoods! The real estate market is “hot” here in the Portland metro area and Lake Oswego. I am ready to assist you with all your real estate needs! “There is no substitute for experience.”

ALL ABOUT…..Lake Oswego Real Estate. Copyright 2008-2018. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is in violation of federal copyright laws.

Lake Oswego Real Estate New Oregon Laws

Recently, Governor Kate Brown signed several bills into law that may affect you and real estate you may own.

The summaries below are provided for information only. If you have questions, a real estate attorney should be consulted.http://bettyjung.com

House Bill 4079

Directs Land Conservation and Development Commission to establish pilot program in which local governments may site and develop affordable housing. Appropriates moneys to Department of Land Conservation and Development to establish pilot program.

House Bill 4143

Prohibits rent increases during first year of month-to-month tenancies. Lengthens required notice periods for rent increases of certain periodic tenancies. Limits fee charged to tenants for second or subsequent noncompliance with written nonsmoking rules and policies to $250. Modifies provisions requiring landlord to provide emergency exits from bedrooms.

Senate Bill 1529

Prohibits enforcement of residential irrigation requirements by homeowners association while finding or declaration of existing or likely drought conditions is in effect.

Senate Bill 1533

Permits certain cities and counties to adopt land use regulations or functional plan provisions,
or impose conditions for approval of permits, that effectively establish sales or rental price, or require designation for sale or rent as affordable housing, for up to 20 percent of multifamily structure in exchange for one or more developer incentives.

Senate Bill 1563

Requires Department of Environmental Quality to award grants for purpose of developing and administering loan programs to provide low-interest loans for purposes related to on-site septic system repairs, replacements, upgrades and evaluations.

Senate Bill 1573

Requires city whose laws require petition proposing annexation of territory to be submitted to electors to annex territory without vote upon receipt of petition for annexation submitted by all owners of land in territory provided territory is included within urban growth boundary of city or Metro and is, or will be, subject to acknowledged comprehensive plan of city, at least one parcel in territory is contiguous to city limits and proposal conforms to all other requirements of city’s ordinances.

 

SEARCH FOR REAL ESTATE

There are links above to search for real estate.  I have a new website where you can search or you can use my mobile phone app as well. My website and mobile app provide you with access to all listings available on the RMLS™ system regardless of who the listing agent or brokerage may be. Listings are updated frequently throughout the day giving you the information you need, when you need it.

Thinking of Selling Your Lake Oswego Home?

Prices are increasing at a fast pace in Lake Oswego. Interest rates are still low and there is a huge pool of buyer demand. I have ready, willing and able buyers ready to purchase your home. If you want to know the value of your home in today’s real estate market, please call me at 503-804-9685.

Moving to Lake Oswego?

Want to know more about Lake Oswego? I’d love to be your buyer’s agent, please give me a call at 503-804-9685.

I have worked in Lake Oswego as a Real Estate Broker since 1978 and have lived in Lake Oswego since 1988 and know all the neighborhoods! The real estate market is “hot” here in the Portland metro area and Lake Oswego. I am ready to assist you with all your real estate needs! “There is no substitute for experience.”

ALL ABOUT…..Lake Oswego Real Estate. Copyright 2008-2016. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of Federal copyright laws.

Flower Basket

Lake Oswego Real Estate Fair Housing Act

Did you know there are certain phrases, terms and descriptions all of us are not allowed to use when advertising a property for sale or rent?  This not only affects Real Estate agents, but sellers and/or https://lakeoswegorealestateblog.wordpress.com/LakeOswegoRealEstateFairHousingActlandlords as well.

Recently, by accident, I saw all those terms that cannot be used when describing a property for sale in our RMLS™.  Today, on an appointment I was asked a question about showing of a particular property and remembered from days ago what I had read in the RMLS™ and shared what the Fair Housing Act requires of everyone of us.

Our RMLS™ home page says: “All real estate advertising is subject to the Federal Fair Housing Amendments Act of 1988 which makes it illegal to advertise any preference, limitation or discrimination based on race, color, religion, national origin, sex, handicap or familial status, or an intention to make such preference or discrimination. State of Oregon law prohibits discrimination based on marital status. This website will not knowingly accept any advertising for real estate which is in violation of the law.”

What Is The Fair Housing Act?

Fair Housing Act prohibits discrimination by housing providers against individuals based on disability, familial status, national origin, race or color, religion or sex.

Who Does The Law Apply To?

The anti-discriminatory measures apply to landlords, real estate companies, municipalities, banks and other lending institutions and homeowners insurance companies.

Infringements of the act include refusing to rent or sell housing, declining to negotiate the price of housing, setting different conditions, terms or privileges in the sale or rental of a dwelling, and providing different services or facilities to inhabitants. Other infringements are falsely denying that housing is available for inspection, sale or rental, persuading owners to rent or sell, and denying access to or membership in a facility or service related to the rental or sale of a dwelling.

The Act is enforced by the U.S. Department of Justice Housing & Civil Enforcement Section, which follows specific procedures in handling complaints of discrimination. In addition to awarding punitive damages to the affected party, civil penalties up to $25,000 or $50,000 may be imposed upon the violator by an administrative law judge, with additional fines ordered against repeat offenders.

In cases where force or the threat of force is used to interfere with housing rights, criminal proceedings may be instituted against those deemed to be in violation.

What You Cannot Say Or Advertise

  • able bodied
  • adult living
  • adult community
  • adults only
  • African
  • agile
  • alcoholics, no
  • Asian
  • bachelor
  • blacks, no
  • board approval required
  • Catholic
  • Caucasian
  • Chicano
  • Chinese
  • children, no
  • colored
  • couple
  • couples only
  • crippled, no
  • deaf, no
  • drinkers, no
  • employed, must be
  • empty nesters
  • (ethnic reference)
  • handicapped, not for
  • healthy only
  • Hispanic
  • impaired, no
  • independent living
  • Indian
  • Irish
  • integrated
  • Jewish
  • landlord (description of)
  • Latino
  • married
  • mature couple
  • mature individual
  • mature person(s)
  • membership approval required
  • mentally handicapped, no
  • mentally ill, no
  • Mexican-American
  • Mormon Temple
  • mosque
  • (nationality)
  • newlyweds
  • (#of) children
  • older person(s)
  • one child
  • one person
  • Oriental
  • physically fit
  • Polish
  • Puerto Rican
  • retarded, no
  • seasonal worker, no
  • shrine
  • singles only
  • single person
  • smoker(s), no
  • Soc. Sec. Ins., no
  • tenant (description of)
  • unemployed, no
  • white
  • white only

Obey The Fair Housing Act!

Perhaps you weren’t aware of this, didn’t think this law applied to you, or thought it only applied to Realtors®! All for sale by owners and landlords are bound by this law. There recently was a lawsuit against craigslist where a property owner made discriminatory remarks about a home they were selling. Become educated what these descriptive words are and become familiar with this law. One more reason to hire me as your Realtor!®

 

SEARCH FOR REAL ESTATE

There are links above to search for real estate.  Or, I have a new website where you can search or you can use my mobile phone app as well. My website and mobile app provide you with access to all listings available on the RMLS™ system regardless of who the listing agent or brokerage may be. Listings are updated frequently throughout the day giving you the information you need, when you need it.

Thinking of Selling Your Lake Oswego Home?

Prices are increasing at a fast pace in Lake Oswego. Interest rates are still low and there is a huge pool of buyer demand. I have ready, willing and able buyers ready to purchase your home. If you want to know the value of your home in today’s real estate market, please call me at 503-804-9685.

Moving to Lake Oswego?

Want to know more about Lake Oswego? I’d love to be your buyer’s agent, please give me a call at 503-804-9685.

I have worked in Lake Oswego as a Real Estate Broker since 1978 and have lived in Lake Oswego since 1988 and know all the neighborhoods! The real estate market is “hot” here in the Portland metro area and Lake Oswego. I am ready to assist you with all your real estate needs! “There is no substitute for experience.”

ALL ABOUT…..Lake Oswego Real Estate. Copyright 2008-2016. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is a violation of Federal copyright laws.

Lake Oswego Real Estate Hiring A Contractor For Spring Remodeling

If you’re planning to hire a contractor for a spring building or remodeling project, or if you are wanting to update your home to put it on the market to sell, the state Construction Contractors Board (CCB) has made it easier than ever to verify that the contractor is licensed and legal to work in Oregon.

https://lakeoswegorealestateblog.wordpress.com

Picture from Better Homes and Gardens

Simply text a CCB license number to 1-503-444-8898. You will receive a reply with the license status and expiration date.

Contractors Need A CCB Number

Anyone who does repairs, remodeling or new construction must be licensed with the state, and any advertising must include the CCB number.

“Licensed contractors have bonds and insurance that offer some financial protection to homeowners should a problem arise,” said Berri Leslie, interim CCB administrator. “And, we’ll help mediate any disputes if you’re working with a licensed contractor.”

A residential general contractor, for example, carries a $20,000 bond that can provide restitution in a dispute. Licensed contractors also carry liability insurance that covers property damage or personal injury they might cause.

CCB surveys from recent years show that more than 70 percent of homeowners know that contractors must be licensed. However, more than half of people hiring contractors for major projects do not verify the license.

“It only takes a few seconds to verify that a contractor’s license is active,” Leslie said. “Most construction projects go smoothly when you do your homework by researching the contractor and by making informed decisions during the project.”

Other ways to check license status

You can also check license status,file complaints and report illegal activity by visiting http://www.oregon.gov/ccb. Or,call 503-378-4621.

For other tips on how to avoid remodeling and construction problems, visit http://ccbed.ccb.state.or.us/WebPDF/CCB/Publications/16-ways.pdf.

About the CCB

The CCB is the Oregon state agency licensing 33,000 contractors. Anyone who is paid to repair, improve or build a home must be licensed. Learn more about how to have a successful project at www.oregon.gov/ccb.

Source:  Oregon Contractors Construction Board

Thinking of Selling Your Lake Oswego Home?

Prices are increasing at a fast pace in Lake Oswego. Interest rates are still low and there is a huge pool of buyer demand. I have ready, willing and able buyers ready to purchase your condo or home. If you want to know the value of your property in today’s real estate market, please call me at 503-804-9685.

Moving to Lake Oswego?

Want to know more about Lake Oswego? I’d love to be your buyer’s agent, please give me a call at 503-804-9685.

I have worked in Lake Oswego as a Real Estate Broker since 1975 and have lived in Lake Oswego since 1988 and know all the neighborhoods! The real estate market is “hot” here in the Portland metro area and Lake Oswego. I am ready to assist you with all your real estate needs! “There is no substitute for experience.”

ALL ABOUT…..Lake Oswego Real Estate Copyright 2008-2016. Betty Jung. All Rights Reserved. Use of this article, photos and images without permission is in violation of federal copyright laws

Contact Betty Jung

Betty Jung, Broker
REALTOR®
CRS, GRI, ABR, SRES, CNHSS

MORE Realty, Inc.
14945 SW Sequoia Parkway, #150
Portland, OR. 97224

503-804-9685 Cell

or email:betty@bettyjung.com

"Selling Real Estate Since 1978. There Is No Substitute For Experience!"

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