Firefly Real Estate
503-829-8328

Shades of Green


 

Firefly Real Estate.... How we are doing our part to reduce our carbon footprint.

As we all do our part daily, we thought you may enjoy knowing how we at Firefly Real Estate are participating in keeping the Real Estate industry and our practices green.

We are sub-leasing a small office space to allow a presence, but not too big. We are located on the highway... providing you easy access, as we are "on your way" and not an extra trip into somewhere.

We recycle and reuse our signage, flyer boxes, lock boxes, paper and office supplies.

We utilize Internet advertising almost exclusively and minimize our print advertising while effectively implementing Web 2.0 techniques to reach the largest markets currently possible.

The only thing we don't recycle is our Customer Service.

Feel free to stop by, call or e-mail to discuss your individualized real estate plan.

A few links of interest:

http://www.cleanenergyworksoregon.org

www.oregonmetro.gov

http://www.growingsolar.org

Energy Trust

www.redirectguide.com

www.sarasnow.com

www.conservationfund.org

www.ecostreet.com

www.autobloggreen.com

www.carbonfootprint.com

www.charitynavigator.org

www.eartheasy.com

www.ecogeek.org

www.frugalforlife.com

http://solar.coolerplanet.com/Articles/solar-calculator.aspx


Calculators



 

Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
Results
  Receive this Detailed Analysis

Your Monthly Payments
 
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
 
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %