The Voice of Real Estate in West Central Ohio

The Voice of Real Estate in
West Central Ohio
I S S U E
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S E P T E M B E R
West Central Association of REALTORS®
400 S. Cable Road Lima, OH 45805
Phone: 419.227.5432
www.wcare.net
OFFICERS
Dick Clark
President
Tim Heinz
President-Elect
Kim Eilerman
Vice President
Tammy Breneman
Past President
BOARD OF DIRECTORS
Dawne Anderson
Dawn Arheit
Ralph Haggard
Jason Liening
Maria Sanko
Tim Stanford
CEO
Roxann Shaffer
INSIDE THIS ISSUE
Welcome
Pg.2
Realtor Safety Tip
Pg.2
Legally Speaking
Pg.2
Upcoming CE
Pg.2
Upcoming Events
Pg.2
Upcoming Meetings
Pg.2
July BOD Minutes
Pg.3
BOD Nominees
Pg.3
OAR Presidents Club Pg.5
Golf Outing Flyers
Pg.6-7
Member Mtg Flyer
Pg.8
Affiliates
Pg.9-10
VISIT OUR NEW WEBSITE!
The Board has a new modern
and user friendly website.
Check it out today!
www.wcare.net
And follow us on Facebook!
NOTICE
THE BOARD OFFICE DOES
NOT TAKE CASH PAYMENTS.
CREDIT CARDS, CHECKS OR
MONEY ORDERS ONLY.
2 0 1 5
Fax: 419.229.1842
BECOME THE REAL ESTATE AGENT OF CHOICE FOR PROSPECTIVE HOMEBUYERS
REALTYTIMES.COM
Being a convenient and efficient real estate agent is a critical part of staying competitive in the industry.
There are a lot of agents out there your clients could use instead of you — in fact, The National Associaiton of REALTORS® reports there are currently more than one million member realtors across 1,341 local
associations. If you want to win clients over, you need to make their experience easy and pleasant. The
following tips will help you become the most convenient and reliable agent in your area.
Pick up the Phone
Return client calls as quickly as possible. People who are in the market for a new home are going through
a stressful time, and if they can't get a hold of you, they will abandon you for someone they can reach.
Make contact with your clients a priority.
Staying in contact is about more than just answering the phone, though; you must be just as quick with
email, text and any other means of communication your client chooses to use. If they want to use
Skype, get Skype — in fact, those dealing with clients from out of state or country should be using Skype
to keep that face-to-face interaction
going over a great distance.
Chauffeur Convenience
Not all your clients are going to be able to drive from location to location
looking at homes, and you should be able to drive them. In the long run,
having a larger vehicle like an SUV is handy for you as an agent, because you can easily and comfortably shuttle prospective home buyers
from location to location. Having a car large enough for your clients to
share a back seat comfortably also gives them a sense of privacy,
which many first time home owners desperately need when discussing their future, their dreams and their
misgivings about a property.
One final advantage of playing the role of chauffeur to your clients is that it is easier to keep them there,
engaged in the prospect of buying a house with you — after all, you're the one with the car!
Know the Neighborhood
Neighborhoods should be one of your most important collections of knowledge. From where you are
standing on a property, you should always be able to point to where the nearest cultural and educational
sites are, as well as the best restaurants and social spots. In many cases, your clients are going to be
totally unfamiliar with a neighborhood and your job is to make them feel at home without them having to
do any work at all. If they have to ask around and cruise the neighborhood to see if there is a grocery
store within a couple blocks, than you have failed to provide them with the convenience that another
agent surely could. Spend your time in the neighborhoods you work in and get to know them personally
— your clients will not forget it.
2015 OAR Annual Convention & Expo
Convention registration is now open!
https://ohiorealtors.wufoo.com/forms/oar-annual-convention-expo/
Page 2
West Central’s Online CE Resource
WELCOME
New Members
Greg Butcher– Yocum Realty
Gary Binkley– Binkley Real Estate
Bridget Kelley– Real Living CCR, Realtors®
Brianna Stumpf– Binkley Real Estate
To enroll in a Continuing Education
class go to:
http://www.wcaremls.net
Then select West Central’s Online
Education link, from there you can
select a class and use the discount code
offered monthly !!
Upcoming CE
Staying on Track:
Legal Update 2015
Wednesday, Sept 2, 2015
1:00 PM - 4:15 PM
New MLS Members
Cynthia Yahna– WD Realty
Troy Kies– HER Realtors
New Firms
New Bridge Realtors– Marla & Ashley Bolen
Congratulations on the new firm!
New Affiliates
Homeside Financial– BJ Burden
September is REALTOR® Safety Month!
http://www.realtor.org/topics/realtor-safety
Realtor Safety Tip
Tip #7
Sturdy doors are key to home safety
Make sure that all your home’s doors to
the outside are metal or solid, 1 ¾" hardwood and have good, sturdy locks.
Hampton Inn
1299 West High Street
New Philadelphia, OH 44663
*See page 4 for details!
Upcoming Events
2015 Annual Golf Outing
Wednesday, Sept 16, 2015
12:00 Registration
1:00 Shotgun Start
Tamarac Golf Course
See Pg. 6-7 for details!
Upcoming Meetings
Sept. 2 @ 10:00 AM
RPAC Comm Mtg
Sept. 3 @ 11:00 AM
Golf Comm Mtg
Sept. 9 @ 8:30 AM
Board of Directors Mtg
Legally Speaking: Will pre-qualification letters become extinct?
By Lorie Garland, OAR Assistant Vice President of Legal Services
Q: On October 3rd — when the new requirements brought about by the integration of the
RESPA and TILA regulations go into effect — are lenders able to provide pre-qualification
letters?
A: Yes, according to the Consumer Financial Protection Bureau (CFPB), the agency that regulates the new requirements. The TILA-RESPA Integrated Disclosure Rule (TRID) requires lenders
to provide a Loan Estimate within three business days after receiving an application from a consumer. An application is made when the lender receives six pieces of information from the consumer. Those six items are the consumer’s name, social security number, income, address of the
property, estimated value of the property and the loan amount sought.
According to the CFPB, if a consumer provides documentation and requests the lender to review
the information and provide a pre-qualification letter the lender is not prohibited from doing so.
The Loan Estimate is not required until all six items have been received by the lender. Most likely
a lender’s requirements to issue a pre-qualification letter would not require all six items. For example, if five of the items have been received (all except the property address) a pre-qualification
letter could be issued without triggering the requirement for a Loan Estimate.
For more information on what REALTORS need to know about the CFPB rules, click here.
Sept. 10 @ 12:00 PM
3rd Quarter Membership Mtg
Milano Café
2383 Elida Rd, Lima
See pg. 8 for details!
Note: Proper Procedure on Completing the Purchase Contract
It has recently come to our attention that we may have been filling out the Purchase Contract
incorrectly! After a conversation with our board attorney, we were made aware that section 10
SELLER'S CERTIFICATION needs to be filled out by the seller. I know it has been customary
that the buying agent fills it out and the seller must dispute, but that is actually not the proper way
to handle that portion of the contract. The selling agent needs to have the seller fill out that portion and then the buyer will have to initial that they have reviewed that change. It's a little extra
work for us, but it is worth it to keep us out of trouble!
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BOARD OF DIRECTOR’S MEETING
Wednesday, July 8, 2015 via email
Due to a light agenda the July Board of Directors meeting was conducted via email
Approved June Minutes
Approved June Financial Statements
Approved New Affiliates: Teresa Rampe, Creating Intentions;
Approved New Members: William Moore, Bee Gee Realty; Angela Weakland, Berkshire Hathaway;
Jeffery Schott and Lisa Schott, Merritt Real Estate;
Approved Finance committee recommendation to open CD at Realtor FCU
Approved Nomination committee: Dick Clark, Chairperson, Joe Guagenti, Ralph Haggard, Tim Heinz,
Lisa Quaintance, Jaylene Smith.
Approved ROTY Policy & Procedure:
P. REALTOR OF THE YEAR COMMITTEE
Statement of Purpose
The Realtor of the year committee is chaired by the previous Realtor of the year. The submissions for
Realtor of the year will be evaluated by two members from another association and then given to the
chairperson for confirmation.
1. The current president of the West Central Association of REALTORS® shall not be eligible in that
year to receive the West Central Association of REALTORS® “REALTOR OF THE YEAR” award.
2. There shall be one award given: REALTOR® of the Year…whether Salesperson or Broker
Approved Bylaws pages 16-18 as written
West Central Association of REALTORS®
2016 Slate of Officers and Directors
President Elect—Kim Eilerman; Doyle Realtors
Vice President—(One to be Elected)
Jason Liening; Cowan Realtors
Dawn Arheit; Busy B Realty
Board Of Directors— (Four to be Elected)
Rob Gamble; Bee Gee Realty
Jeff Dulmage; Hartsock Realty
Kate Shulaw; Real Living CCR, REALTORS®
Antwilla Davis; Sunway Realty
Jaylene Smith; Ron Spencer Real Estate
Tim Parker; Berkshire Hathaway
Devin Dye; Ron Spencer Real Estate
Scott Weaver; Real Living CCR, REALTORS®
Dawne Anderson; Cowan Realtors
Dan Irwin; Irwin Real Estate
Jason Kaser; Real Living CCR, REALTORS®
Additional candidates for the offices to be elected may be
placed in nomination by request, signed by the candidate,
with the Executive Officer at two (2) weeks before the
election.
No candidate shall hold more than one office position at a
time.
When and Where can I vote?
Friday, October 2, 2015
10:30-12:30
2:00-4:00
Charter Realty
117 E Lincoln
Ada, OH 45810
Sunway Realty
930 E. Columbus
Kenton, OH 43326
Tuesday, October 6, 2015
12:00-4:00
Bee Gee Realty
122 N. Washington
Van Wert, OH 45891
October 5-7, 2015
9:00-5:00
Board Office
October 8, 2015
3:00-4:00
Board Office
Electronic Voting
Open 9:00 AM October 2 thru 4:00 PM October 8
Election results will be announced at the Annual
Meeting on Thursday October 8, 2015.
Page 4
Registration
Deadline for new registrations or registration updates for the general election
is MONDAY October 5, 2015
Fill out a registration form online and then print the form directly from the website.

Or you can go to www.MyOhioVote.com to download a blank form

Or request one be mailed to you by calling the Allen County Board of Elections
at 419-223-8530

Or you may pick up a voter registration form at a number of other places, including public libraries, public high schools, Ohio Bureau of Motor Vehicle locations and the Department of Job and Family Services. For a complete list of
locations, visit www.MyOhioVote.com.
Your properly completed voter registration form must be postmarked or received by
the 30th day before the election in order to vote.
Registration forms can also be found at the Board Office.
Page 5
CONGRATULATIONS TO THE RECIPIENTS OF THE
OAR PRESIDENT’S SALES CLUB AWARD FOR 2015
PINNACLE AWARD
$7.5 Million in Sales Volume or 100 Sales/Lease Transactions
Debbie Lane; Cowan REALTORS®
AWARD OF EXCELLENCE
$5 Million in Sales Volume or 75 Sales/Lease Transactions
Maria Sanko; Real Living CCR, REALTORS®
AWARD OF DISTINCTION
$2.5 Million in Sales Volume or 50 Sale/Lease Transactions
Tammy Breneman; Real Living CCR, REALTORS®
Greg Butcher; Yocum Realty
Dale Butler; Bee Gee Realty
Dick Clark; Dick Clark Real Estate
Lynn Culver; Cowan, REALTORS®
Shelly Diepenbrock; Cowan, REALTORS®
Jeff Dulmage; Hartsock Realty
Devin Dye; Ron Spencer Real Estate Company
Robert Gamble; Bee Gee Realty
Craig Kohli; Berkshire Hathaway Professional Services
Cynthia Liening; Cowan, REALTORS®
Jason Liening; Cowan, REALTORS®
Ryan Place; Merritt Real Estate Professionals
Mary Jo Rupert; MJ Rupert Realty
Renee Smiley; Cowan, REALTORS®
AWARD OF ACHIEVEMENT
$1 Million in Sales Volume or 25 Sales/Lease Transactions
Dawne Anderson; Cowan Realtors
Kelley Becker; Merritt Real Estate
William Bible; Yocum Realty
Bruce Binkley; Real Living CCR Realtors
Julie Brodbeck; Cowan Realtors
Mary Jo Buch; Real Living CCR Realtors
Mark Bush; Cowan Realtors
Kyle Bushong; Cowan Realtors
Brenda Caprella; Yocum Realty
Jackie Caprella; Cowan Realtors
Patty Cassell; Real Living CCR Realtors
Robin Clay; Real Living CCR Realtors
Aaron Cunningham; Real Living CCR
Dominic DeRose; Real Living CCR
Judith Dickman; Yocum Realty
Randall Faulder; Ron Spencer Real Estate
Robin Flanagan; Ron Spencer Real Estate
Debra Goodwin; Plus One Professionals
Joseph Guagenti; Yocum Realty
Ralph Haggard; Ron Spencer Real Estate
Luke Hefner; Real Living CCR Realtors
Jon Henry; Hartsock Realty
Daniel Irwin; Irwin Real Estate
Mark Jarvis; Yocum Realty
Michelle Jordan; Real Living CCR Realtors
Jason Kaser; Real Living CCR Realtors
Judith Kelly; Real Living CCR Realtors
Kelley Lackey; Irwin Real Estate
Jennifer Loetz; Yocum Realty
Kelly Martino; Real Living CCR Realtors
Ron Medaugh; Bee Gee Realty
Jessica Merschman; Schrader Realty
Michael Miller; Real Living CCR Realtors
Jodi Moenter; Schrader Realty
John Mongelluzzo; Yocum Realty
Donnie Nichols; Merritt Real Estate
Lori Page; Cowan Realtors
Linda Painter-Stemen; Cowan Realtors
Ed Parker; Yocum Realty
Michael Reindel; Ron Spencer Real Estate
Jill Resor; Yocum Realty
Duane Ridenour; Yocum Realty
Krista Schrader; Schrader Realty
Paul Shenk; Real Living CCR Realtors
Kate Shulaw; Real Living CCR Realtors
Steve Shulaw; Real Living CCR Realtors
Kristine Stevely; Ron Spencer Real Estate
Daryl Strickler; Bee Gee Realty
Larry Vandemark; Berkshire Hathaway
Pam Vickers; Yocum Realty
Scott Weaver; Real Living CCR Realtors
Elaine Wehri; Real Living CCR Realtors
Kristen Windau; Cowan Realtors
Michelle Witham; Yocum Realty
Chad Wright; Ron Spencer Real Estate
Temple Wright; Cowan Realtors
Page 6
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3rd Quarterly
Membership Meeting
Thursday, September 10 @ 12:00 PM
Milano Café
2383 Elida Rd.
Lima, OH 45805
Take some time out of your busy schedules to join us for lunch
and the opportunity to meet with fellow Realtors and Affiliates!



$3.00 Entry Fee– Includes lunch and drink (non-alcoholic)
Chance to win a $25 gas card!
RSVP to the Board Office by Wednesday September 9
Sponsored by:
The following items are needed most:
Regular Coffee
Coffee Creamer
Sugar
Butter
Frozen Meat
Hamburger
Canned Beef/Chicken
This year we are sponsoring Lima’s Samaritan House, Allen
County’s only women & children’s emergency shelter, and
encourage everyone to bring in a donation to help support
this organization.
The $3.00 entry fee will be waived if you bring in a donation.
Paper Towels
Electrical Tape
Clear Packing Tape
Spray Disinfectant
Disinfecting Wipes
Floor Cleaner for Laminate/Linoleum
Dish Washing Liquid
West Central Association of REALTORS®
400 S. Cable Rd.
Lima, OH 45805
Phone: 419-227-5432
Fax: 419-229-1842
secy@wcare.net
Toilet Bowl Cleaner
Laundry Detergent
Bleach
Various Sizes of Tension Rods
and Curtain Panels
Page 9
THANK YOU TO OUR GREAT AFFILIATES
American Home Shield
Creating Intentions
First Federal Bank
Elizabeth Kimbler
10100 Atchison Rd.
Staging & Interior Design
Gwen Sackinger
2526 Shawnee Road
Teresa Rampe
303 Birch St. Box 562
Dayton, OH 45458
P: 800-735-4663
C: 937-716-3557
ekimbler@ahslink.com
Lima, Ohio 45805
Kalida, OH 45853
P: 419 221-1312 F: 419 222-7434
P: 419-532-3479
gsackinger@first-fed.com
dtr@bright.net
AmeriFirst Home Mortgage
Farm Credit Svc of Mid-America
First Federal Bank
Rex Whetstone
1075 Shawnee Rd, Suite B
Alexis Moser NMLS#1207527
1120 Elida Avenue
Elaine Evans
230 E. Second Street
Lima, OH 45805
Delphos, Ohio 45833
Delphos, Ohio 45833
P: 419-234-7310 F: 419-932-6675
P:419 695-6000 F:419 695-6007
P: 419 695-1055 F: 419 695-5749
rwhetstone@amerifirst.com
Alexis.moser@e-farmcredit.com
eevans@first-fed.com
Buckeye Home Inspectors
Fifth Third Bank
First Lima Title Agency
Jim Doseck
918 West Auglaize St
Greg Elmore
39 West Whipp Rd.
Pam Jennings
1617 Allentown Ste 100
Wapakoneta, OH 45895
Dayton, OH 45459
Lima, Ohio 45805
P: 567-356-7493
P: 937 436-4714 F: 937 319-4142
P: 419 228-2272 F:419 228-3779
jimdoseck@buckeyeinspectors.com
Greg.elmore@53.com
pam@firstlimatitle.com
Chase
Fifth Third Bank
First Lima Title Agency
Chris Hines NMLS#407073
2665 Ft. Amanda Rd.
Jack Hayzlett
1311 Bellefontaine Street
Staci L. Freeman
1617 Allentown Ste 100
Lima, OH 45804
Wapakoneta, OH 45895
Lima, Ohio 45805
P: 419 221-5877 F: 866-316-9044
P: 419-738-7158 F: 419-738-9610
P: 419 228-2272 F:419 228-3779
Christine.c.hines@chase.com
Jack.hayzlett@53.com
staci@firstlimatitle.com
Chase
Fifth Third Bank
Homeside Financial
Jennifer Lombardi NMLS#295570
500 S. Main Street
Greg Roebuck
225 North West Street
BJ Burden
6016 Waynesfield Rd
Findlay, OH 45840
Lima, OH 45801
Cridersville, OH 45806
P: 419 424-7517 F: 866 628-9709
P: 419-229-4450 F: 937-886-4758
P: 419-230-0184 F: 419-648-9984
Jennifer.x.lombardi@chase.com
Gregory.roebuck@53.com
bburden@gohomeside.com
Chase
1st American Home Buyers Protection
Huntington National Bank
Cynthia R. Sawmiller NMLS#824021
801 Defiance Street
Dawn Weinbrecht
3460 E. Lincolnshire Blvd.
Lisa Harding NMLS#482696
631 W. Market Street
Wapakoneta, OH 45895
Toledo, Ohio 43606
Lima, Ohio 45801
P: 419 739-3651 F: 855-244-0221
P: 419 494-2054
P: 419 222-3241 F: 877 413-1164
cynthia.r.sawmiller@chase.com
dweinbrecht@firstam.com
Lisa.harding@huntington.com
Citizens National Bank
First Federal Community Bank
Huntington National Bank
Mary Ann George
201 N. Main Street
John England
130 S. Main St., Suite 108
Chrisa McGhee NMLS#451617
631 W. Market Street
Lima, Ohio 45801
Bellefontaine, OH 43311
Lima, Ohio 45801
P: 419 224-0400 F: 419 229-2095
P: 937-565-4557 F: 937-565-4514
P: 419 226-6020 F: 877 238-4052
maryann@cnbohio.com
jengland@ffcb.com
Chrisa.i.mcghee@huntington.com
Page 10
THANK YOU TO OUR GREAT AFFILIATES
Kilco Title Agency
Neidert’s Mowers
TopMark Federal Credit Union
Ed Pedlow
119 N. West St, Ste 101
Mark Kline
507 E. Kiracofe St.
Michelle Boughan
3800 S. Dixie Highway
Lima, Ohio 45801
Elida, OH 45807
Lima, Ohio 45806
P: 419 228-8989 F: 419 228-9111
P: 419-331-5296 F: 419-331-5296
P: 419 879-1500 F: 419 879-2223
Kilcotitle@bright.net
mark@neidertsmowers.com
mboughan@topmarkfcu.com
Lawyers Title Agency
Northwest Title Services
TopMark Federal Credit Union
David A. Rodabaugh
234 N. Main Street
Chris DuBois
101 N. Elizabeth Street
Ana Ford
3800 S. Dixie Highway
Lima, Ohio 45801
Lima, Ohio 45801
Lima, Ohio 45806
P: 419 228-3330 F: 419 228-3304
P:419 222-1122 F: 419 224-6181
P: 419 224-2941 F: 419 224-6338
drodabaugh@rodabaughlawoffice.com
cdubois@corylpa.com
aford@topmarkfcu.com
Lawyers Title Agency
ServPro of Lima
The Union Bank Company
Pam Wobler
234 N. Main Street
Norman Nelson
1390 Findlay Road
Kim Verhoff
100 S. High Street
Lima, Ohio 45801
Lima, Ohio 45801
Columbus Grove, Ohio 45830
P:419 228-3330 x 4 F:419 228-3304
P:419 516-4990 F: 419 516-4991
P:419 659-2141 x 4224 F:419 659-2069
pwobler@lawyerstitleallen.com
norm@servprooflima.com
kverhoff@theubank.com
Liberty National Bank
Sullivan Insurance Agency
The Union Bank Company
Angela Hersh
118 S. Main Street, P. O. Box 135
Grant Sullivan
606 W. North Street
Vicky Gilbert
100 S. High Street
Ada, Ohio 45810
Lima, OH 45801
Columbus Grove, Ohio 45830
P: 419 634-5015 F: 419 634-0335
P: 419-229-5010
P:419 659-2141 x 4224 F:419 659-2069
ahersh@lnbbank.com
mail@sullivaninsuranceinc.com
vgilbert@theubank.com
Liberty National Bank
Superior Federal Credit Union
Union Home Mortgage
Joyce Rostorfer
100 E. Franklin Street, P. O. Box 234
Michelle Snyder
4230 Elida Rd.
Rex Grasz
7867 County Hwy 38
Kenton, Ohio 43326
Lima, Ohio 45807
Upper Sandusky, OH 43351
P: 419 673-1217
P: 419 879-3491 F: 419 227-5258
P: 419-310-0847 F: 866-269-6372
jrostorfer@lnbbank.com
msnyder@superiorfcu.com
rgrasz@unionhomemortgage.com
The Lima News
Superior Title, LLC
Vantage Land Title
Natalie Buzzard
3515 Elida Road
Angie Allen
4230 Elida Rd
Elijah Zamudio
1924 Allentown Rd.
Lima, Ohio 45807
Lima, Ohio 45807
Lima, OH 45805
P: 419 223-1010 F: 419 221-2884
P: 419 221-5341 F: 419-227-5258
P: 419-303-7545
nbuzzard@limanews.com
aallen@superiortitlellc.com
elijahzmd@yahoo.com
Rite Cut Property Maintenance
The State Bank
James Benvenuto
519 N. Jackson Street
Tony Konecny
930 W. Market St
Lima, OH 45801
Lima, OH 45805
P: 419-204-8047
P: (419)348-1115 F: (419)227-8369
ritecutproperty@gmail.com
Tony.konecny@yourstatebank.com