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Inexpensive Ideas For Valentines Day

Looking for some fun, inexpensive things to do for your significant other OR your kids on Valentine’s Day? Here are just a few food ideas to show someone  you love, just a little EXTRA love on February 14th. Most of these, you don’t need any extra ingredients from the store — just your regular everyday groceries. So go ahead, get yourself a heart cookie cutter and go to town!

1. Heart shaped bacon – place bacon in a heart shape on a pan, and bake in the oven at 400 degrees until crisp.


2. Heart shaped toast to go with your bacon.


3. Rice Crispy Treats!


4. Hear shaped cookies are a MUST on Valentine’s Day!


5. Adorable cupid arrows made out of fruit.


6. Veggies cut and sliced to be shaped like hearts to dress up your salad.


7. Classic heart shaped pancakes!


We hope you have a heart-felt, fun & loving day with your loved ones on Valentine’s Day this year.

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Buying a Home? Here’s When to Call an Agent

Shows on HGTV make buying a house look easy, but the truth is that it is a lot of work. It’s a journey, one that is always best with a tour guide. Here are some signs that you might need someone to come alongside you and help you find the home you’ve been wishing and looking for.

  • If you believe everything on the World Wide Web, you probably need an agent.
  • If you have a super hectic schedule with little time to house shop, you definitely need an agent.
  • If you do not know whether your neighborhood is on the uphill climb or the downhill fall, you might need an agent.

Reasons WHY you need an agent. There is some that you can do on your own when looking to buy a house but there is so much that a realtor has access to that you do NOT want to miss out on.

  • Realtors have access to information that shoppers do not have access to. Things like condition of the house you are looking at on Zillow, or whether that house is even still on the market. Houses go under contract so fast and Zillow does not show that.
  • Realtors can tell you the exact status of a house as to whether it is sold, pending or ready for you to put a contract on it and lock it in.
  • Realtors can see the value of a house to make sure that you as the buyer are not overpaying for the house you want, and with that they also do all of your contract negotiations.
  • Realtors are extremely knowledgable in the whole process, in and out. They offer experience, support, and access to systems like the MLS for viewing listings.

Call a realtor at Village Concepts Realty Group today if you are thinking about buying OR selling your home!

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Video tour

The Consumer Financial Protection Bureau announced on Wednesday a proposal to delay the effective date of the TILA-RESPA Integrated Disclosure rule until Oct. 1.

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We’re ready for the TRID rules!

At 5 p.m. EST June 17, the Consumer Financial Protection Bureau issued a statement that the effective date for the TILA-RESPA Integrated Disclosure (TRID) rules would be pushed back to Oct. 1, 2015.

CFPB Director Richard Cordray said in a prepared statement: “The CFPB will be issuing a proposed amendment to delay the effective date of the Know Before You Owe rule until Oct. 1, 2015. We made this decision to correct an administrative error that we just discovered in meeting the requirements under federal law, which would have delayed the effective date of the rule by two weeks. We further believe that the additional time included in the proposed effective date would better accommodate the interests of the many consumers and providers whose families will be busy with the transition to the new school year at that time.”

Rainier Title has been working towards the TRID implementation for over a year and felt prepared for August 1st. However, with the proposed delay we will be taking this opportunity to continue our education and training of TRID. While we believe that we have been proactive and ready for this change, there are still so many unknowns that will have to be addressed at the time of implementation. The industry should still prepare for 45-60 days for transaction to close due to the new timing parameters of the forms.

We’re working hard to be ready for all changes!