January 2006 Issue It`s the Law, Licensees Have Minimum

It’s the Law, Licensees Have Minimum Requirements
January 2006 Issue
Calendar
Monday, January 2
Association Office Closed
Thursday, January 5
Coffee Hour/ Roundtable
Wednesday, January 11
Board Forms Meeting
Wednesday, January 11
CIE Task Force Meeting
Wednesday, January 11
Community Relations Task Force
Wednesday, January 11
Affiliate Council
Friday, January 13
Realtor® Rookie Meeting
Monday, January 30
New Member Orientation
In 2005, the Kentucky Real Estate Commission amended a regulation to require
licensees to ALWAYS provide certain services. If a licensee has entered into a
written listing agreement or any other written agency agreement, the licensee must
do all of the following:
1. Accept all written offers
2. Accept all earnest deposits
3. Assist the principal in developing, communicating, negotiating and presenting
offers and counter-offers, AND
4. Answer the principal’s questions relating to offers and counteroffers.
Jefferson County Floodplain Maps to Change
As you may be aware the Metropolitan Sewer District (MSD) is in the process
of updating the floodplain maps. Concern has been expressed by some of our
members about the Realtors® legal liability should the status of properties they
represent change.
The association’s legal counsel and the legal counsel of the Kentucky Real Estate
Commission recommend that licensees be the “source of the source.” In other
words, do not tell your client whether or not the property will or will not be in the
floodplain on the revised map, but tell your client where they can go to find this
information for themselves.
The link to the preliminary maps is http://gis.fmsm.com/metrodfirm. It is
IMPORTANT that all Realtors® understand that these are preliminary maps and
are subject to change. The final maps are expected to be issued in August, 2006.
GLAR Members Spread Holiday Cheer!
Greater Louisville Association
of REALTORS®
6300 Dutchmans Pkwy
Louisville, KY 40205
Tel: 502.894.9860
Fax: 502.894.9866
www.LouisvilleRealtors.com
Members of GLAR gathered at the 2005 Holiday Reception, held at the Kentucky
Derby Museum last month, to spread warm wishes and Holiday cheer. Please take
some time to thank all of this year’s event sponsors. We are very appreciative of
their patronage. This year’s event sponsors include:
A-1 Pest Control
Bright Pest Control
Fifth Third Bank
Greg Jones Home Inspections
Home Services Real Estate Academy
L&N Federal Credit Union
Advent Mortgage
Capital Mortgage Group, Inc.
First Horizon Home Loans
J.V. Rockwell Publishing
Jagoe Homes
National City Mortgage
Realtor® Roundtable/Coffee Hour
Topic: Is Your Net Gross - Accounting & Taxes
of
r
fee Hou
C
2005 - 06
GLAR
Board of Directors
Don’t miss the next Realtor® Roundtable/Coffee Hour. Ruth Payne and Derek
Asseff of Richardson, Pennington & Skinner Accounting Firm will be leading a
discussion on Accounting and Taxes for Realtors®. Join us on Thursday, January
5 at the Association Office. Enjoy networking with your
fellow Realtors® over coffee and pastries beginning at
8:30am followed by our presentation at 9:00. Attendees will
be eligible to win a $50 gift. January’s Roundtable/Coffee
Hour is sponsored by Affiliate members, First Horizon
Home Loans and Mapother Mapother, Attorneys at Law.
President
Andrew Pruitt
To register for this FREE program , logon to www.
LouisvilleRealtors.com and register via Internet Member Services (IMS), under
Events.
President-Elect
Joe Simms
Education Update
Secretary/Treasurer
Rosemary Nobles
Secretary/Treasurer-Elect
Mike Farrar
Vice President
Jacqueline Klein
Vice President
Nelson Collins
Commercial Chair
Doug Owen
MSI President
Paul Odgen
This coming year promises to be one of the most exciting yet in our Education
Department. Look at the website often for new and interesting class offerings
as well as some of your old favorites. We are proud to announce that we will be
hosting ALL 5 of the GRI classes in 2006. GLAR can be your source for quickly
completing your requirements towards this very popular designation. The first
class will be offered in January, with one offered every month through May.
Broker Law is our newest offering for those of you pursuing your Broker’s
License. Now with the 48 hour Broker Management Course and the 48 hour
Broker Law course, you can get a large portion of your Broker requirements done
right at your Association.
The Education Department has completed a large segment of the 2006 class
scheduling. A portion of it is included in this newsletter and the remainder can be
seen online at LouisvilleRealtors.com under IMS. Log on and get your CE out of
the way early this year! If its CORE you need, we are planning to host a Kentucky
Core Class every month during 2006.
Immediate Past President
Kathy McGann
KAR Regional Director
Santosh Bhatt
Charles Ballard
Steve Elmore
Linda Gibson Cecil
Donna Gordon
Evelyn Pusateri
Jan Scholtz
Robert Strain
Members Section of Website Password Protected
Effective Wednesday, December 14th, the GLAR Members section of www.
LouisvilleRealtors.com became a password protected area. When you enter
this “Members Only” section, you will be asked to log-in using your Internet
Member Services (IMS) username and
password (Username should be your Member#
and the Password was originally the last 4 digits
of your Social Security #). Once you have
logged into this section, you will NOT
be asked to login again when accessing
Internet Members Services (IMS). If you
do not know your login and password,
please contact the GLAR Membership
Department.
Letter From Your MSI President - Paul Ogden
2005 - 06
MSI
Board of Directors
President
Paul Ogden
President-Elect
Allison Bartholomew
Secretary/Treasurer
Wallace Fluhr
Commercial Representative
Paul Ogden
GLAR President
Andrew Pruitt
Ginny Carnes
Brad DeVries
Glenn Edelen
Merle Edmiston
John Fischbach
Kim Hayes Ricca
Ken Jones
Paul Kirkpatrick
Charlie Lotze
Pat Parks
Harrell Tague
Congratulations on a great and successful 2005. As our computer programs will
automatically start using the new year of 2006, it’s only we humans that must now
overcome “User error” and remember to drop the “5” and get in the habit of
2006.
I am pleased to report that the entire MSI board has been diligently at work to
maintain and improve our MLS system. Your input is not only welcomed but
needed. In recent board meetings, which are open to all members, it is worth
noting a few agenda items including;
1. Supra boxes - In an effort to retire the old units and get the new electronic
I-boxes into the field we have had promotions for exchanging old for new with a
$ 50 incentive on each box. This program has been extended until February 28th.
Please bring in your old boxes. They wear out. We are experiencing more failures,
and members are having to call a locksmith to come out and open or cut them off.
2. We continue to explore opportunities to provide our services to adjoining
boards to see if there might be opportunities for a more regionalized network,
being mutually beneficial to members of both boards.
3. Fines / penalties / compliance. The association continues to reinforce that we
are a membership organization and it is not our job, nor desire, to be a burden,
but rather an asset to the member. However, in order to maintain a degree of
order and fairness, MSI has in place “Rules and Regulations.” Copies are available
on-line or by contacting GLAR. We seem to have had an increase in members
not complying with the system, which has fines ($ 250) for those members who,
having been notified, do not make the necessary corrections to their listings within
two business days. Please refresh yourself on these Rules & Regs, or call Lenroy
Campbell or Linda Edrington at GLAR who are there to assist you.
4. We have a “MLS” Improvement Task Force who always welcomes your input
and suggestions.
5. We are pleased to report a financially healthy MSI Corporation with over 4,300
members participating.
6. We would like to acknowledge our fellow members who offered a full day and
a half of their time to help develop a long term Strategic Plan to be considered
by the GLAR and MSI boards. This process is occurring about every two
years. This plan is still in a working stage, but a few themes that seem to be
surfacing are; more specific and meaningful communication to the membership,
and “Professionalism” among members. Unfortunately, we seem to have a few
members whose conduct is sometimes seen as lacking in respect or consideration
toward their fellow members. This can be as simple as keeping your listings in
order and current, or by courteous phone calls to keep all parties informed of
developments.
7. The Commercial Group is working on implementing a Commercial Information
Exchange (CIE), which would make us about the twentieth state to do so. A CIE
would be a platform for Commercial properties only and has the ability to be more
state-wide, allow for listings from developers, major owners, other licensees, etc.
A CIE would be a separate program that would parallel the MLS. Both programs
would be available to all members. This CIE would have an impact on the
commercial activity of List It. You will be kept abreast as this CIE develops.
Contined next page...
Letter from MSI President continued..
8. Requirements are being drafted that
will require photographs on listings.
Details to follow... as per land, timing,
what if they don’t have a photo, etc.
Effective date is February 1st. Please
contact MLS staff if you need help
on photos. They have classes, they
can sit down and assist you, and they
also have a list of people for hire to
go take your photos for you.
Again, on behalf of the MSI board
and staff we are excited about the
new year and the opportunities to
provide better tools to assist members
in providing better service to your
clients. Please let us hear from you.
My email is pogden@walterwagner.
com. And thank you for the
opportunity to serve our membership.
IREM Installs Officers
The Institute of Real Estate
Management KY Chapter 59 recently
held their annual Holiday Luncheon
and Installation of 2006 Officers
at Big Springs Country Club. After
welcoming members, including
members of the Kentucky-West
Virginia Chapter, guests and industry
partners, outgoing President for 2004
and 2005 Richard Luesing, CPM
presented a new ARM designation
to Julia Smith. Former Regional
Vice-President for Region 6, Nick
Schwendeman, from Lexington,
attended the luncheon to install the
2006 Chapter Officers.
The 2006 officers are:
Deborah Brotzge, CPM – President
Janet Luesing, CPM – President Elect
Cheri Honingberg, CPM –VP Admin.
Cheryl Shontz, CPM – VP Finance
Sherry Silva, ARM – ARM Chair
Deborah Brotzge, CPM presented
the 2005 CPM of the Year Award to
Richard Luesing, CPM, the second
from the Kentucky Chapter and the
fourth in his career.
Thank you to our 2005
Contributors!
THANK YOU to the following contributors for your generous support of GLARPAC,
GLAR’s Political Action Committtee, in 2005. Your contributions have allowed
GLARPAC to provide bi-partisan funding of candidates that are supportive of
real estate issues, resulting in a stronger voice to our legislature. We are able to
diligently work on the elimination of negative regulatory provisions as well as
the implementation of positive legislation. Invest in your future and support
GLARPAC today!
Golden R - $5000
Big Blue R - $1500
John J. Weikel II
William P. Snyder
Harrell N. Tague Jr
Sterling R - $1000 - $1499
Thoroughbred Club $500-$999
Brad DeVries
Donna Gordon
Don Kepple
Bob Marrett
Rue McFarland
Kathy McGann
John Aubrey
Santosh Bhatt
Mike Farrar
John Fischbach
Tom Thieneman, Jr.
Colleen Walker
John Milliner
Russell Quick
Joe Simms
Jane Hayes
Kim Hayes-Ricca
Steve Cassin
Lee Clore
Louise Edelen
Harvey Hames
Wade Hurt
John May
Louise Miller
Rosemary Nobles
Andrew Pruitt
Marc Yussman
Jerry McMahan
John Miranda
Guy Montgomery
Betty Schutte
Randall Standard
Pearl R $250 - $499
Mary Margaret Ballard
Linda Gibson-Cecil
Don Davis
Faith Greenwell
Lee Hamilton
Lyn Larsen
Sandra Metts
Mark Mitchell
Mike Pitt
John Stough
Commonwealth Club $99 - $249
Albright-Parrish, Cynthia Dennison, Christi W.
Arnold, Ron W.
Doll, Brenda
Ater, Jennifer
Dowland, Pamela
Ballard, J. Charles
Dries, Crystal M.
Bartholomew, Allison Duncan, Johnny T. Jr.
Baumrucker, Ruth
Ebert, Patricia
Bell, Lin E.
Edelen, Glenn C.
Bhatt, Karen
Edison, Patricia
Bishop, David M.
English, Linda S.
Black, William K.
Epley, Greg D.
Bland, Ellen S.
Ernst, Sue
Blomquist, Katrina L. Erskine, Joyce M.
Blue, Linda M.
Falvey, John H.
Blunk, Robert M.
Filippini, Linda
Booker, Jessica
Fleck, Frank Jr.
Booth, Don E.
Ford, Robert D.
Brandreth, Geoffrey L. Foree, George
Brenzel, Gregory W. Fox, Karen S.
Brooks, Connie H.
Gaither, Sandra K.
Brooks, Leslie
Galloway, Pat
Brown, Freddie
Geissler, Arthur
Brown, Woody
Grammer, Richard
Brunstetter, Jason
Grasch, Jerry E.
Buchanan, Janice K. Gribbins, Joe
Carlos, James M.
Gulick, Sandy
Carnes, Ginny
Hack, Cindy
Catlett, Pam
Hampton, Joseph
Chao, Fei Fei
Harrison, Kenneth
Ciliberti, Jennie S.
Hass, Mark
Cohen, Bonnie T.
Hebert, Tom
Cohen, Harold T.
Heitzman, Dorothy
Collins, Nelson
Helm, Joseph B. Jr.
Conn, James M.
Helm, Karen
Cook, Nancy
Higdon, Arthur
Coury, Chris
Higdon, Michael B.
Cox, Margie
Hill, Kathryn M.
Cundiff, Marilyn
Hill, Linda M.
Darling, Kendy
Howard, Robert T.
Davis, P. Diane
Humphrey, Stan L.
Hunton, Charlie
Isenberg, Latonia
Jack Hoffman
Jolly, Smith
Jones, Kenneth H. Jr.
Jordan, Paul D.
Kavanaugh, Charles J.
Kennedy, Bob J.
Kimbel, Kathy C.
Kirven, Marsha A.
Klein, Jacqueline W.
Lally, James J.
Lawrence, Beverly
Lockhart, Ophelia
Logan, Laurie
Lotze, Charles I.
Lowry, Joseph E.
Manley, Tony
Marshall, John E.
Martin, Dana F.
Martin, Gertrude
Massey, Robert D.
Massey, Robert D. Jr.
Mayer, Craig
Mayes, Marla D.
Mc Carty, Floyd
Meadows, Mary Kay
Means, Randi S.
Meunier, David
Mica Evans
Miller, Dennis
Minzenberger, Lynda
Miranda, Barbara
Moert, Gordon L.
Moody, Sue
Moore, Hugh
Morgan, Teresa
Myers, Douglas
Myers, William M.
Nevins, M. Rita
Smith, Sharon A.
Nutter, Keith
Smith, Suzanne
O’Brien, Sheree
Spalding, Joseph D. Jr.
Padon, Anne G.
Spanyer, Sherry
Paradis, Lenora
Sparrow, Dotty
Parks, Dave L. Jr.
Speedie, Laura E.
Parks, Judie
Spencer, Darrell
Parks, Pat A.
Stacey, Howard
Patton, Robert G.
Steel Wells, Dana
Pierce, Randall H.
Stephenson, Lisa
Pogue, Julie W.
Strain, Robert F. Jr
Pride, Pat M.
Streicher, Rich Sr
Priest, Stephen F.
Swenson, Timothy J.
Pusateri, Evelyn J.
Thomas, Glenn E.
Radford, Betty
Thompson, Larry E.
Rand, Rick
Thompson, Richard A.
Rankin, Joann
Thompson, Richard
Reid, Jean P.
Vreeland, Richard Y.
Reutlinger, Kenneth Jr. Wagner, Lois
Reutlinger, Marianne P. Wakefield, Tom
Richardson, Debbie L. Walters, Rick
Ridge, Cecilia A.
Wasylina, Robert
Ridge, Michael T.
Waterman, David
Robey, Rick
Watkins, Suzy N.
Rogers, Pamela
Weaver, Betty L.
Romans, Kennie
Weaver, Darrell
Rose, Darleen H.
Weisberg, Frank F.
Rothenberg, Art H.
Weisberg, Ronald J.
Rupert, Donald
White, Robert L. Jr.
Russell, Jim
White, Stan
Sanderfer, William P. Wild, Lillian
Sapp, Beverly
Williamson, George
Sapp, Fred
Wright, Jo
Schank, David L.
Wuest, Thomas M.
Segrest, Trish
Yankey, Ron L.
Sherrard, Beverly A.
Sims, Cris W.
Skiles, Toni M.
Smith, Charlotte M.
Contributors Continued on Next Page...
MLS Tip of the Month
For further support documents,
click the “Support” icon toward
the top right of the MLS System.
This “Support Document Library”
is an easy way for you to access
sections of your online manuals
including screen shots along with
instruction.
Latest Quarterly
Technology Report
Available Online
The latest version of our Quarterly
Technology Report is available
for you to access on the front
page of LIST-IT. This report
contains information and links
on the differences between
Tablet PC’s and laptops as well
as what the best digital cameras
are for Realtors®. To check out
this report, simply login to the
MLS and click on the Quarterly
Technology Report Icon.
Jockey Club $20 - $98
Angermeier, Sharon .
Arnold, Susan
Bader, Cheryl A.
Bailey, Amy Zeitz F.
Baker, Shirley G.
Ballard, Matthew B.
Beale, Peggy B.
Beale, Robert B.
Bell, Dean E.
Bolin, Dorothy E.
Bowles-Durnell, Kaye
Boyer, Betty L.
Bradshaw, Joe K.
Brooks, Lucy T.
Brooks, Patrick
Brumback, Lori Ann
Bryant, Bill Jr
Burke, Thomas R.
Calvert, Cindi
Cannady, Leaetta A.
Clark, Nancy
Conely, Harriet A.
Conner, Jim
Crisler, Connie
Crisler, Ray
Cullen, Michael R.
Davis, Darrell W.
Davis, Jeffrey
Davis, Jim A.
Dumstorf, Donna M.
Duncan, Mary Lou
Durning, Donna
Dyer, Jill Y.
Edelen, Mike
Edmiston, Merle R.
Eggers, Patty A.
Evans, Patricia L.
Fore, Heidi
Garrett, Janice S.
Graves, Gary
Hagan, Joe Guy
Harrison, Steven
Hill, Barbara V.
Hoemeke, Daniel A.
Horton, Mary-Jo
Johnson, Nancy
Johnson, Pam K.
Jones, Wanda D.
Karr, Frank L.
Kent, Sally
Kindermann, Barbara
Koenig, Grace
Kuprion, Janice
Lage, Nancy R.
Lally, Sheree E.
Lynch, Bill
Lynch, David O.
Marlowe, Judy M.
Mc Farland, Mary Lib
Mc Gregor, Joan
Morrissey, Evelyn L.
Oerther, Michele G.
Ogden, Paul J. Jr.
Parker, Ashley S.
Parrish, Keith F.
Patterson, Ruby R.
Phillips, Kathy
Pike, Carol A.
Platt, Missy
Pruitt, Amy H.
Rainey, A. Scott
Rainey, Sandra
Ratterman, Stella
Richardson, Sharon
Rodriguez, Karen L.
Russell, Kevin D.
Stivers, Ann B.
Stuart, Cindy
Tracy, Barbara
Tran, Van
Tyler, Lisa
Veith, Barbara E.
Waterman, Cindy Z.
Wells, Irene Quinn
Wieting, Isla D.
Williams, Sedonia L.
Wolz Gemmer, Yvonne
Wunderlich, K. Fred
Friends - Under $20
Cohen, Michael
Totten, Sally S.
Hall, Mike
Tutwiler, Connie A.
Hulbert, Mary Helen Oldham, Richard
Zangari, Francie
Spence, David R.
FHA Limits To Increase
As a result of the increase in the conforming loan limit announced by the GSEs,
the FHA floor limit will automatically increase for those loans insured on or after
January 1, 2006. The new FHA limit will be $200,160 which is 48 percent of
the new conforming limit (i.e. $417,000). The high cost limit will be increased
to as high as $362,790, which is 87 percent of the new conforming loan limit.
However, since under the FHA program there is no nationwide limit, HUD
will have to compute the individual limits for over 3200 US counties. HUD is
expected to publish a new mortgagee letter announcing the areas that will be
affected before the end of December. Source: NAR
Rookies Meeting
New Limits for Fannie Mae and Freddie Mac
Attention New Members!
Don’t forget to mark your calendar
for the next Rookies Meeting. These
meetings are FREE and geared
toward new agents and are open
to members with less than 2 years
of experience. Take advantage of
this opportunity to get some great
information as well as network with
your fellow Realtors®!
On November 29, 2005, Fannie Mae and Freddie Mac increased conforming loan
limits on single family properties from $359,650 to $417,000, effective January 1,
2006. This loan limit increase reflects the October-to-October changes in average
house prices, as published by the Federal Housing Finance Board, and complies
with the Supervisory Guidance issued by the Office of Federal Housing Enterprise
Oversight (OFHEO). Loan limits will also increase on other properties as follows:
Topic: Accounting and Taxes
Friday, January 13, 2005
9:00am to 11:00am
To register, go to our website at
LouisvilleRealtors.com and log in to
IMS, then click on Register for Events.
• $533,850 for mortgages on two-family
properties (up from $460,400);
• $645,300 for mortgages on three-family
properties (up from $556,500); and
• $801,950 for mortgages on four-family
properties (up from $691,600).
Under the Fannie Mae and Freddie Mac charters loan limits in states and territories
designated high-cost areas – Alaska, Hawaii, Guam and the U.S. Virgin Islands
– are 50 percent higher than the amounts above.
Source: NAR
January - February 2006 Education Schedule
Date
Time
Course Title
Jan.
9-Feb
20
8:00am5:00pm
48 Hour Broker Management Note: class meets every
Jan
12
1:00pm4:00pm
Jan
18
Jan
19
Cost
Credits
$435 Member
$485 non-member
rsvp by Jan 2
48- Broker
Management
Credits
Successful inspections Can
Be Yours
$15 Member
$35 Non-Member
3 Hrs KY Elective
8:00am5:00pm
GRI 1: Professionalism in
Real Estate
2 Day Course
$180 by Jan 10
$200 after or at
the door * special
refund policy
16 hrs GRI
6 hrs KY pending
16 hrs Ky broker
Jan
24
9:00am1:00pm
Tax Facts for the Real
Estate Professional
$25 Member
$50 Non-Member
3 hrs KY elective
Jan.
27
9:00am4:00pm
KY CORE Course
$45 Member
$65 Non-Member
6 hrs KY CORE
Law
Jan
31
9:00amNoon
Ethics & Real Estate
$15 Member
$35 Non-Member
3 hrs KY elective
3 hrs IND elec.
Jan
31
1:00 to
4:00pm
You Bet Your License
$15 Member
$35 Non-Member
3 hrs KY Law
Feb
1
Feb
2
8:00am5:00pm
GRI 2: Smart Marketing
2 Day Course
$180 by Jan 22
$200 after or at
the door * special
refund policy
16 hrs GRI
6 hrs KY pending
16 hrs Ky broker
Feb
10
9:00amNoon
Code of Ethics vs. License
Law
$15 Member
$35 Non-Member
3 Hrs KY Law
Feb
10
1:00pm4:00pm
Risky M’s of Real Estate
$15 Member
$35 Non-Member
3 Hrs KY Law
3 Hrs IND elec
Monday except Jan 30
Refund Policies:
Phone reservations not accepted. REFUNDS: Refunds for regular Continuing Education
Classes given with minimum 24-hour advanced cancellation notice only. Refunds for GRI,
ABR & other Designation Classes given only with minimum 48-hour notice minus a $25
administrative fee. Students who register for a class and do not show up the day of the course,
will not receive a refund after the course. Confirmations: If you would like to confirm
that your registration was received (especially if faxing it), please call the Education Dept. at
(502)894-9860. Check out the most current course schedule and register for your classes
online! Go to www.LouisvilleRealtors.com and click on Internet Membership Services (IMS).
Need health coverage?
*Classes held at the Greater Louisville Association of REALTORS, 6300 Dutchmans Pkwy, Louisville.
Registration Form
Name: _____________________________________ Member #:____________ Phone: ____________________
Address: ______________________________________ City: __________________ ST:________ Zip:_________
Course Title: __________________________________ Course Date: _______________ Time: ______________
Course Title: __________________________________ Course Date: ________________ Time: ______________
Birth Month_________________________________(needed if registering for KY Core Course)
Payment: Check: _______
Registrants Board Account:________
VISA:_______
MC:________
Individual health coverage ideal
for:
Self-employed
Students
COBRA Alternative
Seniors
Early Retirees
Leaving a group plan
Susan McConkey
889-2020
Toll Free 866-404-6043
Credit Card Number: ________________________________________________ Exp. Date: _____________
Signature:_______________________________________________(Required if charging) Date: _______________
Send with payment to: Greater Louisville Association of REALTORS,
6300 Dutchmans Pkwy, Lou., KY 40205 (or) FAX with payment to Fax # 502- 893-8787.
Questions? Call Education Dept. at (502) 894-9860.
REGISTER ONLINE @ www.LouisvilleRealtors.com. Click on the IMS button.
Anthem Blue Cross and Blue Shield is the
trade name of Anthem Health Plans of
Kentucky, Inc.
An independent licensee of the Blue Cross
and Blue Shield Association.
Registered marks Blue Cross and Blue Shield
Association.
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copy of the Appraisers’ qualification sheet.
Jack McCarty, MAI, SRA, CPA
Tony DeMala, Engineer
Call our office, we’ll gladly fax you a copy of our
qualifications. 327-8009
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anywhere else? We now repair / replace damage caused
by termites, carpenter ants and wood mold (rot) to
floor joists, sill plates, sub floors and flooring and other
parts. We install vapor barriers and crawl or attic vents.
Call Ohio Valley now, because: “The Bug Stops Here”!
Phone 231-6088. Fax 231-3689.
Misc.
Inspections / Mold
Mortgage Companies
ACE HOME INSPECTION
EXPERIENCED, CERTIFIED, ASHI/NAHI
STANDARDS. GREAT RATES PLUS
COMPLIMENTARY TERMITE INSPECTION
BOB OLIVER 502-599-1815
REALTORS, PLEASE REFER YOUR CLIENTS TO
BORROWERS CHOICE MORTGAGE. We offer free
pre-approval, no application fee, guaranteed closing costs,
fast closings, personalized service, and very low rates. We
will attend your closings to make sure your transactions
are correct. We are locally owned in St. Mathews and a
member of the better business bureau. Call Drew Schaefer
or Scott U’Sellis at 502-896-2616 for a low rate quote.
All √ Check Home Inspections LLC
Always a Free Termite inspection with every home
inspection. ASHI and NAHI inspectors on staff. We
send a team of inspectors to get the job done faster. We
also can check for Radon, mold, and the duct work.
Call ALL CHECK Home Inspections LLC. 2316087 (fax 231-3689) Toll Free 1-877-255-2435.
Allergen-Mold Solutions LLC
FOR THE SOLUTIONS TO YOUR REAL
ESTATE MOLD PROBLEMS
We offer certified inspectors, Allergen and Mold spore
removal. We also handle borate treatments, positive
drainage techniques and installation of vents, vapor
Pest Control/Repairs
A- 1 PEST CONTROL, INC. We are proud to be
a GLAR BLUE RIBBON affiliate. We appreciate
your business for last 23 years. DO IT RIGHT THE
FIRST TIME. We offer Termite Inspections, MOLD
Analysis and Remediation, Structural Damage
Assessments, Structural Repairs, Moisture Control for
crawls/basements, Odor control and Animal Dander
Allergen removal Services. Thank you for making us
your ONE STOP problem solving assistant. Call our
friendly staff at 339-1234.
Martin Crane Virtual Tours
Virtual tour packages starting at $95. Includes 5 tour
scenes and 10 high resolution photos. Photo packages
start at $55. Tour packages uploaded to Realtor.com for
one year. All images provided on CD. Other packages
available. Tour link and photos can be added to the
MLS! Website: www.martincrane.com or call 502-5927868.
Movers! Own property? We can help you with Sheriff
set outs. Sellers need help moving out or buyer moving
in? We can service you with professional moving of any
size. References & Licensed. Call your fellow Realtor
Margaret @ 664-9971.
Prime Office Space
Prime office location for real estate broker wanting to
make a huge impact in the south end. Space located on
Preston Hwy next to Southern HS. Signage, 15K Traffic
Count. Contact Florence Mosby, Walter Wagner Jr. Co.,
502- 640-2900.
Presorted
Standard
U.S. Postage
PAID
Louisville, KY
Permit No. 677
Greater Louisville Association of Realtors®
6300 Dutchmans Parkway
Louisville, KY 40205
www.LouisvilleRealtors.com
www.LouisvilleRealtors.com
In This Issue:
• Minimum Requirements
for Licensees
• Jefferson County
Floodplain Maps to Change
• Members Section of
Website Now Password
Protected
• GLARPAC Contributors
for 2005
• FHA Limits Increase
• New Limits for Fannie
Mae & Freddie Mac
Welcome New Members!
April L. Abell, The Realty MarketPlace
Jennifer Back, Dogwood Homes Realty Group
Mike Ballard, Betty Seay Realty
Laveda J. Bibelhauser, Century 21 Advantage Plus
Jodie C. Bowles, Wm. R. Sellinger & Associates
Kenn Brann, RE/MAX Action First
Matthew Buss, Semonin REALTORS
Colleen Caravello, Victory Home Builders
Joy Casey, Icon Realty II LLC
Gabrielle Coffman, Coldwell Banker Larry Rogers
Linda Cole Metts, Company REALTORS
Alana K. Doll, Century 21-Smith Realty & Auction
Darren Drain, Jan Scholtz REALTORS
Tom Forshee, Semonin REALTORS
Danny B. Gaddie, Opia Properties LLC
Rachael Gordon, Century 21 Realty Group-Hagan
Joseph W. Gronefeld Jr., Semonin REALTORS
Jay Gulick, Kentucky Select Properties
Renotta D. Henson,Victory Home Builders
Evan Hicks, Semonin REALTORS
Michael Hiter, Nalley Company REALTORS
Drew Hunt, Metts Company REALTORS
Angela Joplin, Coldwell Banker Action, REALTOR
Linda R. Mattingly, Century 21 Advantage Plus
Tony Miller, Edelen & Edelen REALTORS
Geoff Poole, Property Management& Realty Co
Genobeba Reyes, Century 21 Realty Group-Hagan
Jason W. Rhoades, Century 21 Realty Group-Hagan
Trent Romine, Century 21 Realty Group-Hagan
Connie R. Schanie, Heitzman Real Estate Company
Samantha Sims, Keller Williams Realty- Highlands
Mie Sloan, L. Jane Sutton Realty
Tina M. Smith, Southeast REALTORS Inc
Sarah B. Smithers, Julie Pogue Properties
Terry Stewart, W. Tom Huber, REALTORS
Harold Sutton, L. Jane Sutton Realty
Rick Tabb, Prudential Parks & Weisberg
Deborah Thompson, Jett Realty
Martin R Twist, Pioneer Land Company
Danielle Wade, Century 21-Smith Realty & Auction
Cooper Wandling, Carol W. Hebel, Inc. Real Estate
Brian Wesley, Mayer REALTORS
Todd A. Willhite, RE/MAX Preferred Realty