August 2006 - Sacramento Association of REALTORS
Transcription
August 2006 - Sacramento Association of REALTORS
Sacramento Association of REALTORS® PRSRT STD US Postage PAI D Permit No. 538 Sacramento, CA 2003 Howe Avenue Sacramento, California 95825 ® A PUBLICATION OF SACRAMENTO ASSOCIATION OF REALTORS® August 2006 Volume 8, Number 8 INSIDE THIS ISSUE Riding the Waves of Change Sign up today for the 2006 Business & Technology Expo Hosted by the Sacramento Association of REALTORS® in partnership with neighboring REALTOR® Associations, marketing to El Dorado, Placer, San Joaquin and Yolo Counties Friday, September 8th P r e s i d e n t ’s Perspective 9:00am–3:00pm Fair Oaks Presbyterian Church Exhibit Hall 11427 Fair oaks Blvd, Fair Oaks Page 2 Major Sponsor: MetroList Services, Inc. New Members Page 3 MLS Stats Page 12–13 SAR Educational Offerings Page 15–16 September Calendar Page 20 SAR WEBSITE: www.sacrealtor.org Gourmet Lunch from Shark Pit sponsored by Big Valley Mortgage REGISTER EARLY! Register at www.sacrealtor.org/expo before Thursday, August 31 and you could win $500. Prizes • Extreme Agent Makeover featuring IDX website subscription, SAR education package, marketing tools, and much more. • Portable Office including Tablet PC, printer, digital camera, deluxe carrying case • Weekend getaway Features • Dynamic Speakers • Fabulous Prizes • Extensive Tradeshow FEATURED SPEAKER: Allen Hainge Allen began his real estate career in 1973, and after 16 months of frustration, he finally learned how to list and soon became one of his area’s top listing agents. He passes on what he learned from top sales associates nationwide, while concentrating on showing agents exactly how these professionals use today’s technology to increase market share and have more time for the important things in life. BREAKOUT SESSION TOPIC: Making Money with Today’s Technologies You will learn: • The top 5 moneymaking software and hardware for real estate... and how top agents use them • Using e-mail as a marketing tool • Why only 10% of real estate websites are moneymakers... and how yours can become one of them • Your “farm” is now the world...networking with top agents around the world • How top sales associates nationwide capture market share using the web • Digital cameras, multimedia & print presentations: a winning combination • Personal assistants & today’s technology FEATURED SPEAKER: Pat Zaby Pat Zaby began his real estate career in 1968 and has been involved in sales, management, commercial, and property management. In order to provide better solutions for the Real Estate Agent he has consulted with major companies, such as Hewlett Packard, Texas Instruments, and CompUSA along with developing his own software. BREAKOUT SESSION TOPIC: How to Use Everyday Office Products for Marketing FEATURED SPEAKERS: MetroList Representatives Dave Howe and Bill Miller BREAKOUT SESSION TOPIC: Work More Efficiently with Prospector’s New Features MetroList will use this year’s Expo as the preview and launch of some very exciting new features, including a powerful CMA and more. Be the first to be in “The Know” and catch the wave to Unleash The Power! Included among our Exhibitors: MetroList Big Valley Mortgage IDX Central First American Natural Hazard First American Title eNeighborhoods Realnet Software Property I.D. CD-Data/Parcel Quest Old Republic Title The Real Estate Buyer’s Guide Commission Express Hanson Law Firm AAA Old Republic Home Warranty Property Minder Pocket MLS by Baynet Cal-Vintage Roofing Company The Real Estate Book Top Producers Expresscopy Franklin Covey Access Computers Broker Agent Magazine If you are interested in becoming an exhibitor or sponsor please contact Cassie Papin at 437-1209 or cpapin@sacrealtor.org. Sacramento Association of REALTORS® Sacramento Association 2003 Howe Avenue, Sacramento, CA 95825 (916)of 922-7711 REALTORS® FAX (916) 922-1221 or FAX (916) 922-3904 2003 Howe Avenue METROLIST 1164 W. National Dr. Suite 60 Sacramento, CA 95834 (916) 922-2234 or (916) 922-7584 2006 SAR BOARD OF DIRECTORS Leigh Rutledge President Alan Wagner Secretary/Treasurer Tracey Saizan President-Elect Dave Tanner Immediate Past President DIRECTORS Lorin Brown Judy Covington Carole Goodin Gina LaPlaca Carl Olson Sherri Radovich Cathryn Snow Doug Covill Shirley Delao Barbara Harsch Patrick Lieuw Betty Pomeroy Charlene Singley Linda Wood SAR MISSION STATEMENT The purpose of the Sacramento Association of REALTORS® is to enhance the ability of its Members to practice their profession ethically and effectively. VISION STATEMENT Our vision is to identify and communicate innovations, promote professionalism and affect changes in the real estate industry to benefit our Members and the community at large. Here to Serve You SAR STAFF Feel free to call us directly. Nelson Janes – 916.437.1201 Executive Vice President Jennifer Macias – 916.437.1204 Controller Aaron Truby – 916.437.1203 Staff Accountant Greg Vlasek – 916.437.1208 Director of Public Affairs Pat Lowell – 916.437.1206 Director of Professional Standards Judy Wegener – 916.437.1207 Director of Education and Communications Traci Sarria – 916.437.1202 Education Assistant Pamela Johnson – 916.437.1205 Masters Club Events Coordinator Cassie Papin – 916.437.1209 Director of Meetings & Events Tippi Nicholson – 916.437.1212 Meetings & Events Coordinator Todd Nicholson – 916.437.1214 Building Superintendent Liliya Mishchuk - 916.437.1202 Administrative Assistant Janet Whitney - 916.437.1226 Commercial Real Estate Coordinator Debbie Anno - 916.437.1226 Administrative and Retail Assistant Daniel Allen – 916.437.1224 IT Director SAR Member Services Nancy Manly – 916.437.1217 Director of Member Services Lyndsey Harank – 916.437.1221 Member Services Robin Mayer – 916.437.1216 Member Services Denise Stone – 916.437.1219 Member Services Amelia Warrington – 916.437.1218 Member Services Barbara Wells – 916.437.1220 Member Services SAR Retail Center Carl Carlson – 916.437.1223 Director of Retail Operations Kimberly Mar – 916.437.1222 Retail Center Assistant Doreen Lambrite - 916.437.1224 Retail Center Specialist Eric Rasmusson – 916.447.0283 Consulting Advocate OFFICE HOURS: M-F 7:30AM - 4:30PM SAR STORE HRS: M-F 8:00AM-4:30PM EQUAL HOUSING HOUSING EQUAL OP PP PO OR RTTU UN NIITTY Y O EQUAL HOUSING OPPORTUNITY President’s Perspective Safety First REALTORS® are “people” people. Our success depends on building and increasing interpersonal relationships, networking, and being accessible to potential clients. As salespeople, we are well served by our ability to read others, to discern their moods, there positive and negative reactions, their level of focus, and what draws their attention. We tend to think of our profession as relatively safe and, compared with many other skilled and highly trained professions, it is. The occupational hazards of working alone at open houses or meeting strangers one-on-one for the first time are still our biggest collective concern, though - thankfully - reported incidents of theft or assault on the REALTORS® are few and far between. Personal safety really just boils down to awareness of our immediate environment and personal behavior appropriate to that environment. In the hustle of our daily lives, it sometimes easy to become distracted in a situation where common sense and a little attention normally protect us but inattention can be dangerous. It might be stepping off the curb into traffic or locking yourself out of your car after dark. Safety awareness is one of those things that is always in the back of our minds, that needs to be brought to the forefront and exercised occasionally. To help REALTORS® with that exercise, NAR has designated the month of September as Realtors Safety Month. In addition to maintaining a safety section with valuable information at their web site, NAR also issues a weekly safety tip, simple and succinct. I’ve asked our Association staff to include this safety tip in each addition of the SAR Update, our weekly e-mail newsletter. It’s my hope that seeing this little reminder each week will help provoke a higher level of safety awareness in you and your business colleagues. Aside from personal safety, the Internet age has brought on a whole host of new occupational hazards related to business fraud and personal finance. Criminals have become more innovative and entrepreneurial, and unfortunately they have access to the same wealth of Internet information that has expanded our business opportunities This has become such an important area of risk management for the real estate industry that From the US Post Office: Create a High Quality Brand Image and Take the Hassle Out of Bulk Mail How do you effectively communicate a high value perception for your organization? How do you currently inform your customers of properties? You will be able to say exactly what you want to say to precisely the people you want to reach. The unique aspects of high-quality direct mail generates greater response rates and accurate targeting. You will be able to print, personalize, address and mail a postcard right from your desktop with NO forms, NO permit fees, NO sorting, NO stamps and NO trips to the Post Office. You will receive hands on training on how to accomplish this. Register for a FREE seminar by the USPS Business Development Team by calling Cathy Arterberry at 916-373-8438. Two sessions available on Thursday, August 17 at 9:00 -10:30am and 11:00am -12:30pm at the USPS Processing & Distribution Center at 3775 Industrial Blvd West Sacramento CA 95799. Just this week two good local examples of real estate-based crimes have come across my desk, both potentially costly, if not lifethreatening. The first was a special alert to the real estate industry from the Sacramento County Sheriff’s Office regarding notaries public and abuses of their records and services in real estate fraud. In a growing number of cases, it seems, falsified real estate documents have been notarized improperly or notarized with stolen seals and record books. Seals Leigh Rutledge and record books are also been 2006 SAR President reported as lost or stolen under suspicious circumstances. It’s not hard to imagine how fraud against first-time homebuyers in our non English-speaking communities could really damage the credibility of realtors, by association with criminal impostors. The second alert I received was from Rancho Cordova Mayor Linda Budge. Evidently, there has been a rash of prescription drug thefts in homes for sale during open houses and showing appointments. In this crime scam, a man and woman posing as a homebuying couple enter the home with the REALTOR® present. While one distracts the REALTOR®, the other raids the home’s medicine chests of any salable drugs. The list of things to be on the look-out for keeps getting longer and longer. But the price of not being vigilant when it comes to personal protection is rarely worth gambling on. Awareness is the key, even if it means occasionally foregoing a cell phone call. I urge you all to take REALTOR® Safety Month to heart. Know your company’s safety policy. B alert to and aware of your environment, particularly at open houses, on the street, meeting strangers, handling keys and credit cards, and on the Internet. Report suspicious circumstances and share your safety-related experiences with colleagues. Together, we can make real estate a safer and ultimately more fulfilling career. ������� Building an Exceptional Customer Service Referral Business ����������������������������������������������������������������������������������� ������������������������������������������������������������������������������������ ����������������������������������������������������������������������������������� ����������������������������������������������������������������������������� ����������������������������������������������������������������������������� ������������������������������������������������������������������������� ������������������������������������� ��������������� �������������������������� �������������������������������� ���������������������������������������������������������������������� Private sessions are available upon request. Sacramento REALTOR® is published monthly by the Sacramento Association of REALTORS® for the benefit of its membership. Advertisements and statements of fact and opinion are the responsibility of the authors alone and do not imply an opinion or endorsement on the part of SAR officers, members or staff. All material copyright 2006, Sacramento Association of REALTORS®. All rights reserved. 2 Sacramento REALTOR® • August 2006 Sacramento REALTOR® Newsletter Editor:Judy Wegener Publisher:Ned Foley, Foley Publications Design & Layout: Brio Creative To Advertise: Foley Publications 1-800-628-6983 Editorial Policy The Sacramento Association of REALTORS® (SAR) welcomes articles of educational interest to its members. Published articles will feature the author’s name, title and company; however, no direct compensation will be paid to the author. SAR reserves the right to edit submitted articles for length, grammar, and appropriateness. Articles will be printed in SAR’s publications on a space available basis. Attempt will be made to publish submitted articles in a timely manner; however, submission of an article does not guarantee when, or if, it will be published. New SAR Members Joanne C Blazak Creighton Abrams Realtors 8460 Elk Grove Blvd., #400 Elk Grove, CA 95758 As of June 2006 Rebecca D. Ballesteros G. Lapena Realty & Mortgage 4406 Mapleplain Ave Elk Grove, CA 95758 Barry W. Blum Global One Realty 111 Woodmere Rd Suite 200A Folsom, CA 95630 Heidi Banks Lyon RE Folsom 150 Natoma Station Dr, Ste 300 Folsom, CA 95630 Jeremy T. Brown Cook Realty 4305 Freeport Blvd Sacramento, CA 95822 Ellen Joline Barnes Agent Network 4748 Engle Rd Suite 100 Carmichael, CA 95608 Heard Bryant III Cooper & Associates 9630 Bruceville Rd #107 Elk Grove, CA 95757 Jose M. Barragan RE/MAX Gold Elk Grove 8694 Elk Grove Blvd, Ste 9 Elk Grove, CA 95624 Robert P. Bystrowski RE/MAX Gold Folsom 2340 E Bidwell St Folsom, CA 95630 Sam D. Barrett Century 21 Select Real Estate 7919 Pebble Beach Dr, Ste 101 Citrus Heights, CA 95610 Vincent B. Cai Broadbase Realty Inc. 2378 Maritime Dr Ste 110 Elk Grove, CA 95758 Kelly K. Becker American Horizon Realty 300 Harding Blvd. Suite 207 Roseville, CA 95678 Elvira K. Caldwell Lyon RE Elk Grove 9591 Laguna Springs Dr Elk Grove, CA 95758 Bryan A. Bertrand Century 21-Noel David Realty 7976 California Ave Fair Oaks, CA 95628 Veronica Cancicio JVA Realty 3814 Auburn Blvd #72 Sacramento, CA 95821 Cynthia E. Bertrand Century 21-Noel David Realty 7976 California Ave Fair Oaks, CA 95628 Chelsey K. Carrion Superior Realty & Investments 9008 Elk Grove Blvd. Elk Grove, CA 95624 Scot A. Birkley Ron Allen & Associates R. E. 2251 Florin Road, Ste 108 Sacramento, CA 95822 Juan M. Castaneda Icon Funding 1430 20th Street Sacramento, CA 95814 Sue F. Blankenship Real Estate America 2901 Sunrise Blvd, Suite 150 Rancho Cordova, CA 95742 Mohini “Michelle” Chand Executive Realtors 2020 Hurley Ste 245 Sacramento, CA 95825 New REALTOR® Members Garrett D. Abben Lyon RE Downtown 2801 J Street Sacramento, CA 95816 Rosie L. Alvarez Members Realty & Loans 7230 S Land Park Dr Ste 101 Sacramento, CA 95831 Marilyn Amen Pacific Coast Realty 151 Sunrise Blvd Suite 713 Roseville, CA 95661 Celeste M. Amour Prudential CA Realty 785 Orchard Drive, Ste 110 Folsom, CA 95630 Misty M. Arce Lyon RE Fair Oaks East 8055 Madison Avenue Citrus Heights, CA 95610 Jill H. Arrington AtHome Realty 7311 Greenhaven Drive, Ste 207 Sacramento, CA 95831 Gerino Astudillo Prudential CA Realty 2250 Del Paso Road Ste A Sacramento, CA 95834 Mohammad A. Azam Prudential CA Realty 1819 K Street, Ste 100 Sacramento, CA 95814 Rohangiz Bai Ahmadi Keller Williams Realty 8525 Madison Avenue, Ste 122 Fair Oaks, CA 95628 Brandon Chee Epifanio A. DelValle AtHome Realty 7311 Greenhaven Drive, Ste 207 Sacramento, CA 95831 Global One Realty 6911 Stockton Blvd Ste 500A Sacramento, CA 95823 Gertrude (Trudi) E. Downs Keller Williams Realty 9355 E Stockton Blvd., # 210 Elk Grove, CA 95624 Svetlana Chernioglo Keller Williams Realty 9355 E Stockton Blvd., # 210 Elk Grove, CA 95624 Robert W. Eberhard Broadbase Realty Inc. 2378 Maritime Dr Ste 110 Elk Grove, CA 95758 Anita L. Clark ZipRealty, Inc. 7311 Greenhaven Dr #206 Sacramento, CA 95831 John P. Eisner G & R Properties 5626 Gerard Way Citrus Heights, CA 95621 Ginger V. Cleary Keller Williams Realty 9355 E Stockton Blvd., # 210 Elk Grove, CA 95624 Christina L. Farmer Pacific Coast Realty 151 Sunrise Blvd Suite 713 Roseville, CA 95661 Isom Coleman III The Saunders Company 2741 Sierra Blvd. Sacramento, CA 95864 Arthur G. Crable Banks, Robert M. Real Estate P.O. Box 1328 North Highlands, CA 95660-1328 Dionie C. Crisostomo Amcap Realty 1501 Sports Drive Sacramento, CA 95835 Eduardo S. Currea Cook Realty 4305 Freeport Blvd Sacramento, CA 95822 Tracy L. Dalisky Lyon RE Elk Grove 9591 Laguna Springs Dr Elk Grove, CA 95758 Jeff L. Davidson Coldwell Banker-Dunnigan 5110 Laguna Blvd, Suite 121 Elk Grove, CA 95758 Lyndi K. DeAlba Paragon Real Estate 5306 Nesting Place Rocklin, CA 95677 Lisa A. Fernandes Assist-2-Sell Platinum Service 8788 Elk Grove Blvd. Elk Grove, CA 95624 Michael Garcia AmCap Realty 3101 Dwight Rd Suite 300 Elk Grove, CA 95758 Mary Irene Garcia Re/Max Gold 550 Howe Ave Suite 100 Sacramento, CA 95825 Aquanetta A. Gardner VGC Real Estate Group 9240 Laguna Springs Dr., #101 Elk Grove, CA 95758 Betty M. Gracia Fidelity Capital Properties 1180 Iron Point Rd, Ste 250 Folsom, CA 95630 Clifton E. Green Real Estate Solutions 555 University Ave Ste 210 Sacramento, CA 95825 Continued on page 4 C U S T O M I Z E D H O M E L O A N S ALL YOUR CLIENTS’ HOME LOAN ANSWERS CONVENIENTLY LOCATED UNDER ONE ROOF Kamran Amin (916) 567-5377 Fluent in Hindi & Punjabi Linda Morgan (916) 567-5319 Christy Andrei (916) 567-5354 Fluent in Romanian Michael Quihuiz (916) 567-5350 John Burgess (916) 567-5327 Doug Radovich (916) 567-5345 Ed Cardona (916) 567-5339 Habla Espanol Sherri Radovich (916) 567-5345 Russian Maya Vang (916) 567-5313 Lilyann Salazar (916) 616-7461 Roberta Yang (916) 295-0697 Fluent in Hmong Mark Shelton (916) 567-5359 Robyn Sims (916) 567-5380 Loretta Manfre (916) 531-0916 Julie Tchang (916) 567-5386 Fluent in Vietnamese Maria SmirnovaGalbo (916) 567-5382 Fluent in Russian Phong Huynh (916) 567-5306 Fluent in Vietnamese SACRAMENTO HOME LOAN CENTER 1950 Arden Way, 2nd Floor, Sacramento, CA 95815 (916) 567-5300 OFFICE • (916) 567-5305 FAX Programs subject to change. We have loan offices and accept applications in Washington Mutual Bank. FA - many states: Washington Mutual Bank - ID, OR, UT, WA; and Washington Mutual Bank fsb - ID, MT, UT. Sacramento REALTOR® • August 2006 3 New Members Continued from page 3 James T. Gutierrez Lyon RE Folsom 150 Natoma Station Dr, Ste 300 Folsom, CA 95630 Dave K. Gutierrez The Sacramento Cornerstone RE 2400 Del Paso Rd #160 Sacramento, CA 95834 Mark R. Henry The Mortgage Group 901 Sunrise Ave #B-11 Roseville, CA 95661 Rashawn B. Herron Cooper & Associates 9630 Bruceville Rd #107 Elk Grove, CA 95757 Bobby Hines Delta Homes and Lending 936 Enterprise Drive Sacramento, CA 95825 Mr Donald R. Hines Capital Realty Group 6728 Fair Oaks Blvd #400A Carmichael, CA 95608 Deanna R. Losoya Century 21 All Professional 1520 River Park Drive Sacramento, CA 95815 Susan A. McClendon Coldwell Banker All State Home 8011 Elsie Ave Sacramento, CA 95828 Rosaisela “Rosie” M. Montes TLC Real Estate Service 8925 Emerald Park Drive Elk Grove, CA 95624 Michael T. Lynch Agent Network 4748 Engle Rd Suite 100 Carmichael, CA 95608 Diana L. McInnes VGC R.E. Grp Linker & Assoc. 9370 W. Stockton Blvd, Ste 100 Elk Grove, CA 95758 Mani R. Naidu AtHome Realty 7311 Greenhaven Drive, Ste 207 Sacramento, CA 95831 Michelle J. Manabe Coldwell Banker-Dunnigan 9165 Elk Grove-Florin Rd #90 Elk Grove, CA 95624 John D. McKay Global One Realty 111 Woodmere Rd Suite 200A Folsom, CA 95630 Austin K. Najera Marshall & Associates 825 M Street Rio Linda, CA 95673 Monica Maney Pacific Coast Realty 151 Sunrise Blvd Suite 713 Roseville, CA 95661 Lasana McNealey O’Neal Properties 8807 Mohamed Circle Elk Grove, CA 95624-6503 Lissa M. Neal Ron Allen & Associates R. E. 2251 Florin Road, Ste 108 Sacramento, CA 95822 Sandra C. Manzo Keller Williams Realty 9355 E Stockton Blvd., # 210 Elk Grove, CA 95624 Shen T. Medeck Honkanen Realty 2110 K Street, Ste 8 Sacramento, CA 95816 Kristina L. Neill Delta Homes and Lending 936 Enterprise Drive Sacramento, CA 95825 Lisa M. Martis Dunnigan Associates 4215 Freeport Blvd Sacramento, CA 95822 Mohammad H Mirza Community One Financial Serv 39350 Civic Center Dr. Ste 300 Fremont, CA 94538 Marissa J. Ness Milward & Assoc, REALTORS 3401 West Country Club Lane Sacramento, CA 95821-2512 Continued on page 5 Ila M. Howard Prudential CA Realty 7801 Laguna Blvd., Suite 100 Elk Grove, CA 95758 Mehran Jalili Cooper & Associates 9630 Bruceville Rd #107 Elk Grove, CA 95757 Laura Johnson VGC Real Estate Group 9240 Laguna Springs Dr., #101 Elk Grove, CA 95758 Scott D. Johnson Pipeline Real Estate 1033 S Street, Suite 300 Sacramento, CA 95814 Harjeet Kaur iSELL Real Estate 7725 Stockton Blvd Ste P Sacramento, CA 95823 Michael R. Kennedy Keller Williams Realty 4180 Truxel Road #150 Sacramento, CA 95833 Mohammed Khan Keller Williams Realty 391 Howe Ave Sacramento, CA 95825 Michael Bretton Kihara Coldwell Banker-Res R E Srv 9250 Laguna Springs Drive Elk Grove, CA 95758 You give your clients your all. And so do we. The Golden 1 provides financing solutions—including up to 100% financing options—to help your clients buy the home they want. The Golden 1 offers free pre-approval, a variety Adriana J. Kimbriel RE/MAX Gold Folsom 2340 E Bidwell St Folsom, CA 95630 of loan programs and Bruce Klempner Coldwell Banker-Res R E Srv 2450 Del Paso Road Sacramento, CA 95834 competitive rates. And our helpful Real Estate Pamela D. Kunhart Keller Williams Realty 8525 Madison Avenue, Ste 122 Fair Oaks, CA 95628 Loan Officers will walk your clients through Sin D. Lam Tri-Star Realty & Mortgage, In 5524 Assembly Court Ste 39 Sacramento, CA 95823 Erik W. Landers TLC Real Estate Service 8925 Emerald Park Drive Elk Grove, CA 95624 the lending process every step of the way. Rhaniel D. Lao Coldwell Banker All State Home 8011 Elsie Ave Sacramento, CA 95828 Mary P. Le AtHome Realty 7311 Greenhaven Drive, Ste 207 Sacramento, CA 95831 See Y. Lee West Coast Commercial Realty 9157 Elk Grove Blvd. Elk Grove, CA 95624 Hector Lopez Broadbase Realty Inc. 2378 Maritime Dr Ste 110 Elk Grove, CA 95758 4 Sacramento REALTOR® • August 2006 View our low rates at golden1.com, or call us at (916) 732-2828 or 1-800-462-1663. Anyone who lives or works in the greater Sacramento area is welcome at The Golden 1. New Members Continued from page 4 Tuan V. Nguyen Delta Homes and Lending 936 Enterprise Drive Sacramento, CA 95825 Joanna T. Niemiec RESA Real Estate 702 Sutter Street, Suite D Folsom, CA 95630 Katherine M. Niklewski American Heritage R.E. Srvs 120 Blue Ravine Rd. Ste 5 Folsom, CA 95630 Wanda L. Noack Keller Williams Realty 391 Howe Ave Sacramento, CA 95825 David J. Ondahl Park Place Properties 10118 Fair Oaks Fair Oaks, CA 95628 Andrea C. Parker RE/MAX Gold of Fairfield 1411 Oliver Road Suite 180 Fairfield, CA 94533 Conan V. Phan Liberty Real Est & Invest 3141 Dwight Rd Suite 200 Elk Grove, CA 95758 Kenneth D. Phillips Jr. Fidelity Capital Finan. & R.E. 5800 Clark Road, Suite 3 Paradise, CA 95969 David Phung Coldwell Banker All State Home 8011 Elsie Ave Sacramento, CA 95828 Bertha Picazo Realty Executives-Capitol City 3000 Freeport Blvd. Ste C Sacramento, CA 95818 Lokesh K. Prashar iSELL Real Estate 7725 Stockton Blvd Ste P Sacramento, CA 95823 Judith A. Rasberry Keller Williams Realty 9355 E Stockton Blvd., # 210 Elk Grove, CA 95624 Vinay V. Reddy Golden State Realty 1930 Tienda Drive, Suite 102 Lodi, CA 95242 Anthony Q. Reeser Keller Williams Realty 4180 Truxel Road #150 Sacramento, CA 95833 Alberto T. Regalado SCJ Cooper Realtors 7485 Rush River Dr Suite 710-3 Sacramento, CA 95831 Glenn Riggs Coldwell Banker-Res R E Srv 440 Drake Circle Sacramento, CA 95864 Lucy Y. Righini Delta Homes and Lending 936 Enterprise Drive Sacramento, CA 95825 Anetra C. Thrower Keller Williams Realty 4180 Truxel Road #150 Sacramento, CA 95833 Melissa R. Noakes Melissa Noakes, Broker 215 Almond Street Roseville, CA 95678-1846 Timothy James Rivera Keller Williams Realty 4180 Truxel Road #150 Sacramento, CA 95833 Robert Torres 1st National Realty Group 901 Sunrise Ave, Suite A-9 Roseville, CA 95661 Waheed Omarkhil Alliance Realty & Lending 4740 Northgate Blvd #140 Sacramento, CA 95834 Susan K. Rolin Quest Realty 2100 Campton Circle Gold River, CA 95670 Myhanh T. Truong Prudential CA Realty 7801 Laguna Blvd., Suite 100 Elk Grove, CA 95758 Dat T. Truong 1st Xtreme Realty & Mortgage 7210 Florin Mall Drive Sacramento, CA 95823 Tamika L. Rolling Home Centre Real Estate/Mortg 9064 Ducks Pond Way Elk Grove, CA 95758 Nicolle D. Turner Pacific Equity Properties 101 Parkshore Drive, # 100 Folsom, CA 95630 Spencer M. Rubin Gold Lake Real Estate 618 E Bidwell St Folsom, CA 95630 Carina C. Villa AtHome Consulting Group, Inc. 2180 Ringwood Ave San Jose, CA 95131 Roman M. Rudy McMahon Phillips Real Estate 103 Triff Court Folsom, CA 95630 Victoria T. Vu iSELL Real Estate 7725 Stockton Blvd Ste P Sacramento, CA 95823 Laura J. Salter Keith Klassen 650 Howe Ave #1030 Sacramento, CA 95825 Jared M. Weaver Landmark Properties 9632 Emerald Oak Drive, Ste K Elk Grove, CA 95624 Elena Samsonenko Bridge Real Estate Company Inc 6381 Auburn Blvd., Ste A Citrus Heights, CA 95621 Kristen V. Wiederhold Kraft Real Estate 8121 Madison Ave, Ste A-1 Fair Oaks, CA 95628 Marevic T. Seronio Real Estate America 2901 Sunrise Blvd, Suite 150 Rancho Cordova, CA 95742 Christina M. Wilke Coldwell Banker All State Home 8011 Elsie Ave Sacramento, CA 95828 Andrew R. Shaffer RE/MAX Gold Granite Bay 7005 Boardwalk Drive Granite Bay, CA 95746 Keana L. Williams Keller Williams Realty 391 Howe Ave Sacramento, CA 95825 Lynda Shy Century 21 Select Real Estate 7919 Pebble Beach Dr, Ste 101 Citrus Heights, CA 95610 Lydia P. Wolfe-Clark Keller Williams Realty 2600 E. Bidwell St., Suite 150 Folsom, CA 95630 Darren L. Smith Keller Williams Realty 9355 E Stockton Blvd., # 210 Elk Grove, CA 95624 Nancy Sprouls Prudential CA Realty 785 Orchard Drive, Ste 110 Folsom, CA 95630 New Affiliate Members Juan R. Cuellar Community Commerce Bank 1500 River Park Dr Sacramento, CA 95815 Gary L. Dahlbeck Community Commerce Bank 1500 River Park Dr Sacramento, CA 95815 Jay Donnelly Jay Donnelly Photographer 4003 Warren Avenue Sacramento, CA 95822 Jim M. Erickson Millennium Termite & Pest 9900 Horn Road Ste 5 Sacramento, CA 95827 Scott Hall The Hall Agency, Inc. 2941 Sunrise Blvd Ste 200 Rancho Cordova, CA 95742 Dora Lorenzo AT&T 2700 Watt Ave Suite 2343 Sacramento, CA 95821 Ryan P. Lundquist Lundquist Appraisal Company 10267 Croydon Way Rancho Cordova, CA 95670 New Broker Associates Debi L. McGuffey Millennium Termite & Pest 9900 Horn Road Ste 5 Sacramento, CA 95827 Janet L. Damkier Prudential CA Realty 785 Orchard Drive, Ste 110 Folsom, CA 95630 Karen V. Patch Community Commerce Bank 1500 River Park Dr Sacramento, CA 95815 New Designated REALTORS® Carolyn V. Sweyd Avalar R.E. & Mortgage Network 24988 Blue Ravine Rd, Ste 100 Folsom, CA 95630 Marc A. Caraska Expersource Consultants, Inc. 650 La Sierra Drive Sacramento, CA 95864 Vicki C. Thompson Keller Williams Realty 8525 Madison Avenue, Ste 122 Fair Oaks, CA 95628 James A. Guinn JAG Homes & Land Realty P.O. Box 603 Orangevale, CA 95662 Alexis A. Thompson Cook Realty 4305 Freeport Blvd Sacramento, CA 95822 Donald R. Hines Capital Realty Group 6728 Fair Oaks Blvd #400A Carmichael, CA 95608 John S. Thompson Titan Realty Services 2775 Cottage Way Suite 17 Sacramento, CA 95825 Elizabeth Howell Myers Elizabeth Howell Myers, Broker 4800 Westlake Parkway #1607 Sacramento, CA 95835 Ted C. Pierce Insta Lease 705-2 E Bidwell St #315 Folsom, CA 95630 Daniel M. Stoligrosz Community Commerce Bank 1500 River Park Dr Sacramento, CA 95815 Loretta Walker AT&T 2700 Watt Ave Suite 2343 Sacramento, CA 95821 � � � � � � ����� � � � � � � � � � � � � � � � � � � � ����� ������������������������������������������� ��������������������������������������������� ������������������������������ ���������������������������������������������������� ������������� Sacramento REALTOR® • August 2006 5 Is $350 Worth 1 Call ? Real estate agents involved in investment property sales are often asked whom they would recommend for property management. The question is, what are the differences between the various companies? To help you find out, call for our free report, Selecting A Property Manager. Many agents refer to HomePointe, and are rewarded with the highest referral fees paid in the area. Call us to learn more. (916) 429-1205 Bob Machado President CPM, MPM Visit us for a list of services, FREE information & rental listings WWW.homepointe.com HOUSES - DUPLEXES - CONDOS- APARTMENTS NOW WITH 3 LOCATIONS TO SERVE YOU! 5896 South Land Park Dr. Sacramento, CA 95822 (916) 429-1205 8856 Greenback Ln. #A Orangevale, CA 95662 (916) 988-5300 6 Sacramento REALTOR® • August 2006 3931 Durock Rd. Cameron Park, CA 95682 (530) 677-7917 We’re experienced, we’re empowered, we’re here. Up-Front Approvals that can give your clients the edge in the home buying process Fast Closings to meet your buyers’ timelines One of the widest selections of loan products and services—some with as little as no down payment—helping more borrowers qualify More flexible qualifying guidelines to help you reach out to more potential homebuyers Local experts with home financing solutions, which means personalized service for faster closing We’re here...and ready to work with you and your buyers. Contact a team member today. Dave Mahoney Patti Mikulin Branch Manager 916.643.7010 1515 River Park Drive Suite 150 Sacramento, CA 95815 Branch Manager 916.727.5700 6301 Sunrise Blvd. Citrus heights, CA 95610 Scott Kearsing Dave Cusano Branch Manager 916.478.3900 9280 W Stockton Blvd. Elk Grove, CA 95758 Branch Manager 916.781.2100 2901 Douglas Blvd. Roseville, CA 95661 Jose Luis Garcia Jr. Branch Manager 916.515.4400 2250 Del Paso Road B Sacramento, CA 95834 Larry Nichols Branch Manager 916.817.8200 2296 E Bidwell Street Folsom, CA 95630 Marcus Davis Dennis Calmes V.P., Area Sales Manager 916.612.1400 V.P., Area Sales Manager 916.939.2140 x225 Countrywide Financial Corporation is America’s #1 home loan* lender and a member of the prestigious Standard & Poor’s 500 and Fortune 500. † Up-Front Approval is subject to satisfactory appraisal and title review and no change in financial condition. If the rate is not locked or rate protection expires, any rate increases may lower the loan amount for which the borrower qualifies.. Equal Housing Lender. © 2006 Countrywide Home Loans, Inc., 4500 Park Granada, Calabasas, CA 91302. Trade/servicemarks are the property of Countrywide Financial Corporation and/or its subsidiaries. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. For California residents and properties only. Some products may not be available in California. This is not a commitment to lend. Restrictions apply. All rights reserved. *As ranked for 2004 by Inside Mortgage Finance (Jan. 28, 2005), Copyright 2005. 60131 Sacramento REALTOR® • August 2006 7 Tips for Using E-mail Safely Good safety habits extend beyond avoiding physical harm; you should also work to keep the vital information on your PC out of the wrong hands. SAR’s Real Estate Training Institute – Fall Edition (RETI) Take the Leap to Become a Better REALTOR® Every Friday from September 15 – November 17 9:00am – 12:30pm SAR Mack Powell Auditorium Cost: $99 if paid by September 1 Don’t send vital or private information via e-mail. Keep in mind that unlike Web sites, e-mail is never secure. Shield your computer from e-mail viruses. Computer viruses can impair and seriously damage your computer. Viruses are often distributed via attachments in e-mail spam. Never open an attachment from someone you don’t know, and, if you receive a strange or impersonal-sounding message from a familiar address, check with that person to make sure that they really sent it. It may be a “spoofed” e-mail, a message that appears to have been sent from one source when it actually was sent from another source entirely. To protect your computer and your network from viruses, follow these tips: Register at ims.sacrealtor.org • Keep your anti-virus software up to date. The final schedule will be online at www.sacrealtor.org • Run your anti-virus software regularly. Offered twice a year, RETI is SAR’s finest educational program available for new or returning REALTORS®. Each session is taught by a successful SAR Member who generously shares his/her tips of the trade. Evaluations of past students stated, “Tons of ‘use right now’ info;” “Thought he was great, very informative;” “Engaging speaker;” “Should be a required course.” • Use a firewall. • Update and apply software patches to close vulnerabilities. • Download free software only from sites you know and trust, and don’t install software without knowing what it is. Fall topics include: • • • • • • • • • • • • • The RE Process and How to Profit with RETI Title and Escrow The CAR Residential Purchase Agreement Listing Agreements Finding and Keeping the Buyer Prospecting and Listing Systems Turning Buyer into Listings Disclosures and Ethics Networking and Marketing Turning your open house into $$$ Structural Pest Control Financing Programs And more Affiliate/Finance Report by Sherri Radovich, Washington Mutual Home Loans About the Market It is clear that the Federal Reserve will continue to raise interest rates in order to stop inflation. Rates are expected to increase in both June and August. Many economists disagree about whether or not we need these hikes and are predicting a decrease at the December meeting. Ben Bernanke is establishing his credibility as the Federal Chairman and as an inflation fighter. The good news is that these raises are in .25% increments and easily brought back down if needed. Talk to your Lender With the market being in this transitional period, many of your lending institutions are offering special loan programs and/or discounts. It is more important then ever to work as a team with your lenders to stay on top of these new programs. More qualified borrowers mean more sales! 8 Sacramento REALTOR® • August 2006 • Set Internet Explorer browser security to “high” • Don’t click on links in pop-up windows or in spam e-mail. Don’t respond to e-mail inquiries about your account numbers or other personal information. It is called “phishing” when e-mail scam artists pose as representatives of banks, stores or government agencies and send official-looking messages requesting information or confirmation of your account numbers, Social Security number, passwords, and other private information. The e-mail may be from your own bank or a company you do business with, and may even include a link to a fraudulent Web site with spaces to enter or update your personal or private information. Phishers also use pop-up windows to try and scam users into entering sensitive information. Phishing attempts have grown so sophisticated that it can be hard to tell if an e-mail or Web site is authentic. However, keep in mind that a business with sensitive information like your credit card company or Paypal would never ask you to share personal or private information via e-mail. E-mail is never secure. (Source: WiredSafety.org) This article is part of the NATIONAL ASSOCIATION OF REALTORS’® 2006 REALTOR® Safety Week Kit. Tips to Help You Protect Against Theft When you’re working: Carry only nonvaluable business items (except for your cell phone) when you are showing property, hosting an open house, or simply out and about. Don’t wear expensive jewelry of watches, or appear to be carrying large sums of money. If you carry a purse, keep it locked in the trunk of your car during showings. At property showings, don’t leave your own briefcase, purse, laptop or mobile phone in view. (But of course you should have your phone with you at all times.) Wear clothing with pockets so that you can carry your car keys with you,. In your office: Keep all windows and counters clear and free of signs, posters and paint so that people can see in. Make sure that all unused doors and windows are always locked, especially if they are out of sight and earshot. Lock office doors after hours, and consider getting a door that unlocks with a buzzer so that you can decide who to let in. In your car: Keep your car locked at all times—even when you’re in it—with purses, briefcases, gym bags and other apparent valuables out of sight. In your home: Check the quality of locks on all your entry doors. For real security, each door should have a deadbolt lock with a full one-inch bolt in addition to existing locksets. If you have a door with glass panels within three feet of the lock, install a double-cylinder deadbolt, which. requires a key on both sides so that a burglar cannot break the glass and unlock the door. If a door has conventional glass panels, con- sider replacing them with shatterproof glass or with polycarbonate material. Protect Your Clients Against Crime: When you’re showing a home, remind your clients that strangers will be walking through their home. Suggest that they put any valuables—including prescription drugs—in a secure hiding place. At an open house, be alert to visitors’ comings and goings, especially near the end of showing hours. Groups of criminals have been known to show up en masse near the end of the open house and, while several “clients” distract the REALTOR®, others go through the house and steal any valuables they can find. Finally, when you leave a client’s property, whether after an open house or a standard showing, make sure that all doors and windows are secured. Thieves commonly use open houses to scout for valuables and easy entrance routes, then return when the agent leaves. Inform your clients that while you are taking safety precautions, and that you’ve checked and locked the home before leaving, they should immediately double-check all locks and scout for missing items immediately upon their return, in case you’ve missed any less-than-obvious means of entry. Source: Nevada County Board of REALTORS® (CA) This article is part of the NATIONAL ASSOCIATION OF REALTORS’® 2005 REALTOR® Safety Week Kit. www.REALTOR.org/Safety CLIENTS TRYING TO TRIM YOUR COMMISSION? WE CAN HELP! TELL THEM YOU WILL… Save Them Thousands Of Dollars On Their Next Home Loan… …WHEN THEY GO DIRECT TO your HOME LOAN CENTER IN SACRAMENTO CREDIT UNION. AVOID THE COSTLY “MIDDLEMAN TRAP” Last year many Sacramento area homebuyers paid too much in fees for their home loan. They paid extra because they made the mistake of using a middleman. Everyone knows a middleman must get paid…thousands of dollars on every mortgage loan. Your clients can AVOID paying extra for their next mortgage loan by eliminating the costly middleman. GO DIRECT to the source…GO DIRECT to your Home Loan Center in Sacramento Credit Union. As a direct lender, you can trust Sacramento Credit Union to give your clients an honest home loan. We’ve been lending money to Sacramento residents for more than 70 years! • A variety of flexible, low-cost loan programs to fit your needs 15-, 20, 30, and 40-year fixed rate mortgages, 100% first mortgages, and 3/1, 5/1 and 7/1 adjustable rate mortgages. Interest only and Option ARM mortgages and many more. • Competitive mortgage rates and terms you can count on Unlike middlemen, we don’t charge any “add-on” fees—just our flat processing fee of $590.We also have preferred rates with our appraisers and title company to save you even more money! • Local decision-making and personalized service You can meet personally with your loan consultant to discuss your lending needs and get frequent updates throughout the loan process period. You can even meet personally with the loan underwriters who make the loan approval decision. • Fast application and loan approval process Because decisions are made locally, our loan process is faster compared to companies that require multiple levels of approvals from other cities or states. • Frequent loan status updates to keep you in touch Enjoy ongoing and direct contact with your loan consultant and check on your loan status 24/7 via our website scuhome.com. CALL OUR LOAN EXPERTS TODAY FOLGER M. EMERSON (916) 599-0379 DAVID YAFFEE (916) 719-0224 ( 9 1 6 ) 4 4 1 - L OA N • s c u h o m e. c o m Ask for our 7 Secrets to Saving Time and Money on home loans! ©2006 Sacramento Credit Union HLC Ad July 06.indd 1 6/19/06 3:49:19 PM Sacramento REALTOR® • August 2006 9 Masters Club Corner International REALTOR® Celebration Day A Cool Market for Hot Charities Save the Date for SAR’s first International REALTOR® Celebration Day By Ted Russert, Masters Club Steering Committee Member Welcome to the dog days of summer. This is the time of year when you can count on two things; the hot weather and the hot Real Estate market. Well, this year one of them has apparently cooled and, unfortunately, it’s not the weather. But don’t fear. The Sacramento Association of R E A LTO R S ® Masters Club Steering Committee headed by President Doug Covill is here, and we’ll do what we can to make things right. The weather might still be hot but the new qualifying amount for 2006 Masters Club Membership is a cool $5 million of production or 30 ends. The qualifying amount was lowered from $6 million during the Steering Committee’s June meeting in order to stabilize and increase Masters Club Membership. What is the Masters Club Steering Committee’s goal membership? There is no exact answer but two main criteria focused the Steering Committee’s recent decision: 1) Membership sales criteria should be reasonably obtainable by skilled, experienced hard working SAR members. SINGLE FAMILY HOME (Finished Square Feet) 2) Membership numbers should be sufficient to raise funds and provide volunteer support for charitable events and services in the community. In 2005 Masters Club Members represented 7.8% of SAR’s growing Membership enabling the Steering Committee to select nine outstanding charities to which $45,000 in donations were distributed. For more information go to www.sacrealtor.org. This year the Masters Club Steering Committee and the Charity Review Chair, Andy Thielen of Lyon, have selected 6 deserving charities. They are Breaking Barriers, Wellspring Women’s Center, Mustard Seed School, Sacramento Cottage Housing, Sacramento Crisis Nurseries and the Stanford Settlement Neighborhood Center. Sponsored by SAR’s Equal Opportunity/Cultural Diversity Committee Thursday, October 5, 2006 11:00am-3:00pm Sacramento Association of REALTORS®; Mack Powell Auditorium 2003 Howe Ave, Sacramento No entrance fee/no reservations required FEATURES: • Keynote Speaker • Panel of REALTORS® representing various cultures • Culinary extravaganza of international dishes provided by local ethnic restaurants • Spectacular entertainment representing the traditional dress, dance and music of diverse cultures. You will learn valuable information about honoring and understanding different cultures while enjoying delicious exotic foods and watching intriguing entertainment. Our challenge to each of you as a SAR Member and a past, present or future Masters Club Member is to give back to the community and support these charities with your fellow members. If you are able to support one of our fundraisers or volunteer let us know by contacting Doug Covill at 916-428-2000 x 1263. INSPECTION PRICE Up to 1500 fsf. ..........................................$310 1501 to 2000 fsf. ......................................$345 2001 to 3000 fsf. ....................................$380 3001 to 4000 fsf. .....................................$415 Inspectors sharing the knowledge and experience of performing over 50,000 inspections. Inspections can be scheduled typically within 72 hours. Inspector findings are guaranteed (see website for details) No waiting for reports. Immediate on-site delivery. Easy to use report summary. If you have never used us before, and have another virtual tour on one of your listings. We will re-shoot that virtual tour for FREE. Impress your sellers with a higher quality virtual tour! Prices subject to change. & Commercial Buildings c llings all f e w or a D r e quo h Ot te. SM www.prelook.com 1-800-PRE-LOOK (1-800-773-5665) 10 Sacramento REALTOR® • August 2006 www. US360 .com call our office at (916) 632-3345 to schedule Offer expires 7-31-06 formally SEE360.com (name change due to a trademark issue) ETHICS CORNER Case #3-7: Time at Which Modification to Offer of Compensation is Communicated is a Determining Factor (Revised Case #22-7 May, 1988. Transferred to Article 3 November 1994. Cross reference Case #2-14. Revised November 2001. Reprinted with permission from the National Association of REALTORS®) REALTOR® A listed Seller X’s home and filed the listing with the MLS. The property data sheet indicated the compensation REALTOR® A was offering to the other Participants if they were successful in finding a buyer for Seller X’s home. During the next few weeks, REALTOR® A authorized several Participants of the Multiple Listing Service, including REALTOR® C, to show Seller X’s home to potential buyers. Although several showings were made, no offers to purchase were forthcoming. REALTOR® A and Seller X, in discussing possible means of making the property more salable, agreed to reduce the listed price. REALTOR® A also agreed to lower his commission. REALTOR® A changed his compensation offer in the MLS and then called the MLS Participants who had shown Seller X’s property to advise them that he was modifying his offer of compensation to cooperating brokers. Upon receiving the call, REALTOR® C responded that he was working with Prospect Z who appeared to be very interested in purchasing the property and who would probably make an offer to purchase in the next day or two. REALTOR® C indicated that he would expect to receive the compensation that had been published originally in the MLS and not the reduced amount now being offered to him, since he had already shown the property to Prospect Z and expected an offer to purchase would be made shortly. REALTOR® A responded that since Prospect Z had not signed an offer to purchase, the modified offer of compensation would be applicable. Computer Problems Weighing You Down? wireless system set up personal computers, servers firewall protection data recovery virus & spyware ellimination onsite computer & home repair office support & home business We’ll Get You Up And Running quality professional service no nonsense rates Advanced Solutions The following day, REALTOR® C wrote an offer to purchase for Prospect Z. The offer was submitted to the Seller by REALTOR® A and was accepted. At the closing, REALTOR® A gave REALTOR® C a check for services in an amount reflecting the modified offer communicated to REALTOR® C by phone. REALTOR® C refused to accept the check indicating that he felt REALTOR® A’s actions were in violation of the Code of Ethics. REALTOR® C filed a complaint with the Board’s Grievance Committee alleging violation of Articles 2 and 3 in support of the charge. During the hearing, REALTOR® C stated that REALTOR® A’s modification of the compensation constituted a misrepresentation through concealment of pertinent facts since had had not provided REALTOR® C with specific written notification of the modification prior to the time REALTOR® C began his efforts to interest the purchaser in the listed property. REALTOR® A defended his actions by indicating that timely notice of the modification of compensation offered had been provided to REALTOR® C by telephone prior to REALTOR® C obtaining a signed offer to purchase. REALTOR® A also indicated that his modified offer of compensation had been bulletined to all participants through the MLS. REALTOR® A also noted that in accordance with Standard of Practice 3-2, the modified compensation offer had been communicated to REALTOR® C prior to the time the purchaser signed an offer to purchase. REALTOR®A also commented that had REALTOR® C produced the signed offer to purchase prior to REALTOR® A communicating the modified offer, then REALTOR® A would have willingly paid the amount originally offered. Based on the evidence presented to it, the Hearing Panel concluded that REALTOR® A had acted in accordance with the obligation expressed in Standard of Practice 3-2 and consequently was not in violation of Articles 2 or 3. Board of Directors Action Items The following are highlights of the June 2006 Board of Directors meeting. The complete minutes are on file at SAR. As an SAR Member, you may review these minutes by appointment. The Board approved the following: • 151 New Members for May 2006 • Locations for the 2006 CanTrees: Downtown Plaza, Sunrise Mall and Country Club Plaza • Election Teller Appointments • Awards Committee Appointments • Masters Club Criteria reduction from $6 million to $5 million. Toll Free 877.893.5635 or 916.780.4358 SAR Salutes Monthly Sponsors Countrywide Home Loans – February Sponsor Washington Mutual – June Sponsor Sacramento REALTOR® • August 2006 11 PROPERTY MANAGEMENT EVICTION SERVICES Arbour Real Estate Management Inc. Law Office of Gary Link Inc. Free Eviction Services Serving Sacramento area landlords since 1979 916 for tenants we place in our client’s rental 447-8101 • High Referral Fees Paid • Fast evictions-Low rates-Highly experienced • Residential Management Professional (RPM) • Legal representation in most areas of law • Creator of the “Certified Rental Program” • McGeorge School of Law Graduate - 1979 • Full-time property managers • Director – California Apartment Association • Experienced vendors available for all needs • Sacramento, El Dorado, Yolo, Placer counties • No buy-sell competition • Special Legal Advisor to Rental Housing Assn • DRE licensed broker since 1967 • Internet advertising of rental properties 33,500 + • SAC Assn of Realtors affiliate member • Electronic debt services available • Rental Housing Association member • Vice-President of NARPM www.arbourpm.com 1-888-551-5114 NO BAD TENANTS evictions 10,000 + trials www.sacramentolandlord.com 1-800-553-8428 Appointments in 24 hours Phone: 800.967.0144 Fax: 800.967.0244 Appraisals completed within 3 days All major credit cards accepted Order Online 3dayappraisals.com www. This is a shared advertisement. Each advertiser is a separate and independent business; neither is in partnership with the other, nor in a joint venture with one another. Neither advertiser warrants or guarantees the success or quality of services of the other. This information provided in this ad is not a warranty or guarantee of success. Sacramento REALTOR® • August 2006 12 “I just wanted to commend your comany on your web site. It is user friendly and very helpful. I am trying to find a rental that will allow a dog. It really saved me time being able to review all your vacancies with the prices and whether or not pets are allowed. I will definitely keep checking your web site. Thank You.” Debbie L. “We sincerely appreciate your diligence regarding our Sacto property, you’ve done a great job for us and we thank you for your help.” Geo & Ruth N. � FREE “Nuts & Bolts” Property Management Class 2nd Tuesday each month 7pm 1401 El Camino Ave. Ste. 200 Sacramento, CA 95815 REALTORS®–if you have any questions in reference to tenant/landlord situations please give me a call That M&M made life as a landlord simpler and more cost effective. 13 Sacramento REALTOR® • August 2006 SAR Educational Offerings To download registration fliers, visit www.sacrealtor.org/education. To register for a class, visit ims.sacrealtor.org or contact Traci Sarria at tsarria@sacrealtor.org REVEI 45 Hours in 1/2 Day VIDEO SEMINARS Friday, August 11 9:00am - Noon Sponsored by SAR and REVEI Cost: $89 (please purchase home study materials by August 4) Video seminars are worth 3 DRE credits. They cost $16/members; $25/nonmembers Fair Housing* Agency* Trust Fund Handling* Ethics & Professional Conduct* Managing Stress Procuring Cause Probate Estate Planning For Real Prop. Owners How To Double Your Income in Sales Empowerment Strategies Agency* Trust Fund* Ethics & Professional Conduct* Fair Housing* Win Win Negotiating Environmental Hazards CA Paper Trail Foreclosure 12 or 45 hours DRE Double Your Income in 4 Months or Less Tuesday, August 15 9:00am – Noon Cost: $25 if paid by August 11; $10 extra for DRE credits Topics: • Marketing tips guaranteed to improve your business • Current market trends that impact you today and in the future • Leveraging people, systems, and marketing to maximize results • The 10 top success traits of the Superstars • How, why and when to grow your team Be inspired to take action today! Debra has a down-to-earth, energetic and humorous style. She will show you how to get more organized and more leads, make lots more money, and have more time to enjoy life. What all Agents Should Know about Foreclosures • Bidding at a sale • How much money to take to a sale • Protecting your license • What happens to junior loans, leases, delinquent taxes, back payments Instructor: Duane Gomer The 5-day cancellations and notice requirement • All licensees renewing after 7/1/07 will need to complete a 3-Hour class in Risk Management (This is a new law) If your license renews before 7/1/07 this course will qualify as 3 hours of Consumer Protection for your renewal so take it now Join the Roseville Termite & Pest Control Team “Customer Satisfaction is Our Only Goal.” Receive a $20 credit on your Termite Inspection Fee and/or a $50 credit towards any Termite Repairs by redeeming this ad. Call Today 1-866-245-4913 Brokers - your associates should be exposed to this information to avoid lawsuits that cost you time & money • This course is designed for all licens- ees so they will not lose their money, their license, their time or their freedom Continued on page 15 A QUALIFIED 1031 EXCHANGE INTERMEDIARY Cost: $50 if paid by August 10 TOPICS: • • Monday, August 14 2:00pm – 4:45pm 3 DRE credits (risk management or consumer protection) The differences between foreclosures on mortgages and on trust deeds All the rules and regulations about Notices of Defaults, Advertising, and Trustees Sales Fair Housing Agency Trust Fund Ethics Consumer Service Consumer Protection Consumer Protection Consumer Protection Consumer Protection Consumer Service Agency Trust Fund Ethics Fair Housing Consumer Service Consumer Protection Consumer Protection Consumer Protection Risk Management – A new class designed to meet DRE’s new law 4 hours DRE credits • 9:30am 12:30pm 9:30am 12:30pm 9:30am 12:30pm 9:30am 12:30pm 9:30am 12:30pm 9:30am 12:30pm 9:30am 12:30pm 9:30am 12:30pm 9:30am 12:30pm *Testing required after these courses Monday, August 14 8:30am - 12:30pm $99 if paid by Thursday, August 10 Tues., Aug. 1 Thurs., Aug. 3 Tues., Aug. 8 Thurs., Aug. 10 Tues., Aug. 15 Thurs., Aug. 17 Tues., Aug. 22 Thurs., Aug. 24 Tues., Aug. 29 Thurs., Aug. 31 Tues., Sept. 5 Thurs., Sept. 7 Tues., Sept. 12 Thurs., Sept. 14 Tues., Sept. 19 Thurs., Sept. 21 Tues., Sept. 26 Thurs., Sept. 28 Toll Free California State LicensePR0182 “Trust Your Exchange to the National Leader” • • • • • • Nationwide Exchange Services Forward and Reverse Exchange Expertise Legal Counsel on Staff Seminars - Newsletter Updates Free Consultation and Review Secure Funds Guaranteed by: “The First American Corporation” Proudly serving Realtors and Homeowners in Sacramento, Placer, El Dorado & Yolo Counties Since 1981 CALL TODAY TO SCHEDULE AN INSPECTION (916) 969-7567 Debra Culbertson Vice President Director of Marketing Kim Nettleman San Jose Account Manager Michele MacMartin Nicole M. De Santis East Bay Sacramento Account Manager Exchange Counsel www.firstam.com/1031 Call Today - 800.833.4343 Sacramento REALTOR® • August 2006 14 Education Continued from page 14 Topics: • Areas of risk such as trust funds, supervision, contract preparation, RESPA, referrals, office management • Conflicts of interest, disclosures, advertising, fair housing • Property conditions, predatory lending, conspiracy, self-regulation • Risk reduction, responsibilities, vicarious liability, statutory duties FHA Program Update and Appraisal Reform Thursday, August 17 8:00 to 11:30 am FREE OF CHARGE Please reserve your spot by Monday, August 14 Sponsored By: Sacramento Association of REALTORS® (SAR) Senior Real Estate Specialist (SRES) Monday, August 21 SAR Mack Powell Auditorium Cost: $399 1-Day live Course 9am – 4pm • 1-Day on-line • SRES Designation • Total Cost: $399.00 • Lunch included Register now while seats are still available! www.realestatepowertraining.com or (800) 918-9637 C.A.R. Residential Purchase Agreement Monday, August 28 9:00am – 12noon SAR Mack Powell Auditorium Cost: $35 if paid by August 24 Instructor: C.A.R. Attorney California Association of Mortgage Bankers (CAMB) Learn how to complete the residential purchase agreement line by line. Receive free RPA manual. Escrow Coordination Secrets Wednesday, September 27 8:30am – 12:30pm Cost: $135 (includes Diana’s book Escrow Coordination Secrets) Instructor: Diana Turnbloom Whether you’re a new or experienced agent, assistant or transaction coordinator, you’ll learn valuable timesaving tips, how to improve team relations and how to more efficiently manage escrows. This 3-hour power-packed course is taught by Diana Turnbloom, author of “Escrow Coordination Secrets” who has worked as a Transaction Coordinator for 7 years. Her refreshing approach to team management, problem solving and cutting-edge coordination concepts will give you better control. Learn how to set up a system, what to look for in a title report and quickly locate the “Meat and Potatoes” of the purchase agreement contract. Areas Covered ... • “What the Heck is Going On” escrow tracking sheet • What do your team members need? • Emotional stages of the team • Understanding lender language • Red Flags • Terms You will receive... • Class Outline • Custom Fax Sheets, Forms and Letters • Tracking Sheet • Terms Template • Team Players Template • Escrow Quick Look Sheet Seating is limited. Register by Friday, September 22.. For a faxed registration form contact Traci at 437-1202 or tsarria@sacrealtor.org HUD Sacramento Field Office & Santa Ana Homeownership Center Who Should Attend? All Real Estate Agents/Brokers Topics: - FHA Program Update - Streamlined(k) - Appraisal Reform - and more With the market shifting, you need to be aware and learn of the latest changes to the FHA Programs. It’s a New Day at FHA Program Update, Appraisal Reform & HECM Training Friday, August 18 8:30am - 4:30pm (registration 8:00 - 8:30am) SAC 1st Mortgage is pleased to announce that David Waldschmidt has recently joined the company as the Roseville Branch Sales Manager. In addition to assisting his clients with their real estate financing needs, David is responsible for the SAC 1st Roseville business development and Mortgage Consultant training. Waldschmidt has 10 years of experience in the mortgage industry, and over 20 years of financial planning and management experience. He serves his clients by offering customized mortgage programs & excellent communication, coupled with a cost and service guarantee unique to the industry. He specializes in helping his clients build their net worth by applying advanced real estate & mortgage management techniques. In addition to excellent service, David provides his clients with very competitive rates and programs for all types of loans with the full service banking ability provided through his partnership with SAC 1st Mortgage. For more information please call 916-367-7123 or log onto the website at www.sac1st.com/dwaldschmidt. FREE OF CHARGE - Reservations Required Please reserve your spot by Monday, August 14 Includes lunch and resource manual Who Should Attend? Underwriters, Lenders, Appraisers, Loan Officers, Real Estate Agents/Broker, FHA Professionals Topics: • The New Streamlined (k) • Lender Insuring (LI) • Qualifying FHA Borrowers • New Closing Costs • Appraisal Reform • FHA Repair Requirements • FHA Reverse Mortgages (HECM) 15 Sacramento REALTOR® • August 2006 EVP Exchange By Nelson Janes, SAR Executive Vice President REALTOR® safety is a constant concern of ours here at SAR. We know that you are more vulnerable than many professionals because of the time that you spend alone in houses and when you are meeting people you may not know. We play a safety video at each New Member Orientation to bring early awareness of our concerns. And the National Association of REALTORS® has designated September 11 – 17 as REALTOR® Safety Week to heighten awareness of the issue. Following are two lists for you to review and perhaps tuck away somewhere as reminders when you are holding an Open House or meeting prospects. 10 Safety Tips for Meeting Prospective Clients 1. Make sure you are not alone in the office when meeting someone. If you are alone, call a “buddy” before the prospect or client is due to arrive and ask them to call and check on you 15 minutes into the visit. Then call them back when the person has left your office. 2. Ask each new client or prospect to stop by your office and complete a Prospect Identification Form, preferably in the presence of an associate. 3. When the person arrives, get the make, model and license number of their car. Check this information yourself— don’t just take their word for it. You can do this discreetly by watching them drive up, glancing out at their car, or checking it when you leave the office. 10 Safety Tips for Hosting an Open House 1. Let the local police know when and where you are hosting an open house. Ask them to have a squad car drive by at least once during the open house. 2. Inform a close neighbor that you will be hosting the open house, and ask if he or she would keep an eye and ear open for anything out of the ordinary. 3. When you first enter an empty home, check each room and determine several escape routes. Make sure all deadbolt locks are unlocked to facilitate a faster escape. (Remember to lock up again when you leave!) 4. Once you enter, turn on the lights and open the curtains. These are not only good safety habits, but can also help you sell the place. 5. Scope out the backyard and make sure that if you had to escape by the back door, you could get out of the yard. Check any gates. 6. Place one of your business cards, with the date and time written on the back, in a kitchen cabinet. Note on it if you were the first to arrive or if clients were waiting. 7. When prospects begin to arrive, jot down their car descriptions, license numbers and physical descriptions. 8. When you show a home, always let the prospect walk ahead of you. Direct them; don’t lead them. Say, for example, “The kitchen is on your left,” and gesture for them to go ahead of you. 9. Notify someone in your office, your answering service, a friend or a relative that you will be calling in every hour on the hour. And if you don’t call, they are to notify the police immediately. 10. Don’t assume that everyone has left the home at the end of your open house. Check each room and closet and the backyard prior to locking the doors. Check any windows or sliding doors to make sure they are still locked. Be prepared to defend yourself, if necessary. (Sources: Washington Real Estate Safety Council; City of Mesa, Arizona; Pinehurst North Carolina Police Department) 16 Sacramento REALTOR® • August 2006 4. Use a registration book for all clients and other visitors. Be careful to make sure that everyone signs in. 5. Photocopy the client’s driver’s license and retain this information at your office. Legitimate clients should not mind you copying their driver’s license. People freely show their licenses to the clerk at the grocery store when they write checks, and we show their IDs to rent a movie. 6. Get personal references as well as employment and home information. Then check all references and verify employment and current address. Check county property records to confirm ownership. 7. Introduce the prospect to someone in your office. A would-be assailant does not like to be noticed or receive expo- sure, knowing a person could pick him/her out of a police lineup. 8. Always let someone know where you are going; leave the name and phone number of the client you are meeting. 9. When talking to any client or prospect, be careful not to share any personal information—specifically, details on where you live or information that can allow the person to pinpoint your home. 10. When showing a property, always leave the front door wide open while you and the client are inside. As you enter each room, stand near the door. (Source: The NAR REALTOR® Safety Week Kit) Government November Ballot will include Controversial Issues Currently the November ballot is shaping up Public Affairs to be one of the Legislative Advocate most interesting local ballots in recent memory. In addition to state measures authorizing bonded indebtedness for various issues and projects throughout the state, local questions put to local voters county-wide will include issues dealing with SMUD and a new Downtown Arena. While these issues may not directly affect real estate, they may have enough of an impact indirectly to warrant SAR’s involvement one way or the other. Eric Rasmusson SMUD Annexation of Yolo County Sacramento voters located within SMUD’s jurisdiction will be asked whether or not they want to annex most of Yolo County into its jurisdiction. If approved the annexation would result in Yolo residents obtaining their electricity from SMUD rath- er than from PG&E. PG&E has serviced Yolo County for decades and has made it very clear that they don’t want to lose Yolo County. While there is some natural competitive business basis at issue here, specifically at issue is the cost of existing infrastructure used to deliver power to residents. That infrastructure (mostly power transmission lines) are owned by PG&E and would have to be purchased or otherwise controlled by SMUD if it were to become the power provider for Yolo County. SMUD’s independent appraisers have estimated the cost to be far lower than what PG&E has claimed and the final number will likely be decided by the courts. SMUD will argue to voters that while the final number has not been decided, it is very unlikely that the number will be handed down that makes Yolo annexation infeasible to rate payers. PG&E will argue that the uncertainty of the outcome of such a case makes the annexation too risky to existing rate payers. Obviously, REALTORS® are interested in ensuring that there are reliable and affordable power options for residential customers. The costs of heating and cooling a home almost always are factored into buying decisions. Expect SAR to follow this issue closely. Watch Downtown Arena While the ink has not yet quite dried on this proposal, we can expect a very vocal campaign from proponents of a measure which would raise the County’s sales tax by a quarter of one percent. The proceeds of the sales tax increase would be split between funding construction of a new downtown arena and funding of social, educational and cultural programs and projects Proponents will claim that it is a small price to pay to keep the NBA Sacramento Kings, assist in revitalizing downtown and provide funding for everything from theatre to schools parks and libraries. Opponents will counter that taxpayers should not be footing the bill for a sports team’s expansion and that the other programs to be funded by the increase should be funded out of existing funds. For REALTORS® the issue is probably a bit more personal than professional though there are quality of life issues at stake here. You can expect SAR to look at whether or not this issue affects the real estate market enough for it to become involved in either side of issue and campaign. Accredited Staging Professional Class Tuesday–Wednesday, August 29-30 9:00am - 5:00pm SAR Mack Powell Auditorium 14 hours DRE Credit $325 Learn how to: • List and sell more homes and make more money • Get every seller to prepare their home for sale • Use staging as a marketing advantage • Learn Barb’s proven staging sayings • Educate your sellers about the benefits of staging The Power of Exchange Tuesday, September 19 9:00am - Noon SAR Mack Powell Auditorium Cost: $10 if paid by Friday, September 15 3 DRE Credits Register online at ims.sacrealtor.org Topics: • Common exchange terminology • What is “Like Kind” property • The Exchange Equation • Delayed exchanges and other options • Complete 1031 exchange closing procedures • Home to calculate capital gain Sacramento REALTOR® • August 2006 17 Henry Ung, Sales Associate Century 21, Sacramento “When I have clients looking for a new home, I can always trust JTS Communities to deliver unparalleled quality and customer service.” Congratulations to the Sacramento Broker Community Over $14 Million in Commissions Paid in 2005 Thank you for partnering with JTS Communities The Premier Series & The Masters Series at Castle Oaks Ione — from the $300’s Premier Series (916) 484-5228 Masters Series (916) 484-5236 Open daily 10am – 6pm Tuesdays 1pm – 6pm The Masters & The Estates at Anatolia Rancho Cordova — from the $400’s Masters (916) 484-5233 Estates (916) 484-5234 Open daily 10am – 6pm Tuesdays 1pm – 6pm The Estates at Lincoln Crossing Lincoln — from the $600’s (916) 484-5229 Open daily 10am – 6pm Tuesdays 1pm – 6pm The Ranch Equestrian Estates Wilton — from the $700’s (916) 484-5222 Open daily 10am – 6pm Tuesdays 1pm – 6pm Encore Elk Grove — from the $500’s (916) 484-5227 Open daily 10am – 6pm Tuesdays 1pm – 6pm JTS-Foley-Sales-Aug.indd 1 18 Sacramento REALTOR® • August 2006 Grandview at The Rivers West Sacramento — from the $700’s (916) 484-5230 Open daily 10am – 6pm Tuesdays 1pm – 6pm Coming Soon Silvershore at The Rivers The Ranch Equestrian Estates II Azanté at Anatolia The Grove at Live Oak www.jtscommunities.com Up to 5% Broker Co-op 7/12/06 12:00:05 PM Check Out Our Expanded Lending Library Thanks to the diligent efforts of SAR Education Coordinator and part-time Archivist Devyn Henry, we now have a number of new books, tapes and DVDs available for check out. Located upstairs and to the left of the reception counter, SAR Members are welcome to visit the SAR library weekdays from 7:30am-4:30pm. You may borrow a maximum of three books, two audio items or two DVDs for three weeks. Simply select the materials you wish to borrow and take them to the reception counter for check out. Visit the SAR website at www.sacrealtor.org for our library inventory. New book titles include: • Multiply Your Success with Real Estate Assistants • New Agent QuickStart Guide *Regional Meeting Locations Meeting: CENTRAL Days held: 2nd-5th Tuesdays Time: 8:30 - 9:30am Location: SAR Mack Powell Auditorium Coordinator: Sherri Radovich, Washington Mutual 567-5345 Organized caravan: yes • Double Your Money in Real Estate Every 2 Years • How To Become a Rainmaker: The Rules for Getting and Keeping Customers and Clients • I Would if I Only Had the Time • Real Estate Marketing Analysis Meeting: LAND PARK/POCKET Days held: 2nd-5th Tuesdays Time: 8:30 - 9:30am Location:Elk’s Lodge, 6446 Riverside Blvd., Sacramento Coordinator: Karla Oppliger, Coldwell BankerDunnigan, 422-3756 Linda Morgan 567-5819 Organized caravan: no Meeting: ORANGEVALE Days held: 2nd-5th Tuesdays Time: 8:15 - 9:15am Location:Orangevale Community Center, 6826 Hazel Avenue, Orangevale Coordinator: Pam Poore, Century 21 – Select 536-4200 Organized caravan: yes Meeting: ELK GROVE Days held: 2nd-5th Tuesdays Time: 8:30 - 9:15am Location: Stockman’s Community Serv., 9275 E. Stockton Blvd., Elk Grove Coordinators: Bruce Slaton, Keller Williams, 480-8658 bruce@bruceslaton.com; Gary Palmer, Lyon Elk Grove, 683-6600 Organized caravan: yes Meeting: FOLSOM Days held: 2nd-5th Tuesdays Time: 8:30 - 9:15am Location: Folsom Community Center, West Rm, 52 Natomas Street, Folsom Coordinators: Brie Cropp, Chicago Title, 673-1400 Jack Falk, 220-7653 Organized caravan: yes Meeting: WEST SAC Days held: 2nd and 4th Tuesdays Time: 8:30 - 9:30am Location: Yacht Club, 3365 S. River Rd., West Sacramento Coordinators: Vanessa Haven, 530-514-5936 Dick Goodson, 916-372-5900 Organized caravan: yes Meeting: NATOMAS Days held: 2nd-5th Tuesdays Time: 9:00 - 10:00am Location: Johnny Carino’s, 3860 Truxel Rd., Sacramento, CA 95834 Coordinator: Alyc Maselli, 761-5226 Organized caravan: yes PLEASE NOTE: For caravan guidelines, please contact meeting coordinator Sacramento REALTOR® • August 2006 19 Meetings subject to change September — (T) Training Rm; (B) Board Rm; (EA) East Auditorium; (WA) West Auditorium 1 5 Regional Meetings Different locations 8:30-9:30am REVEI Video (T) 9:30-12:30pm Government Relations (B) 10:15am-12:15pm Exams (T) 2:00-4:00pm 6 11 Prospector Lecture (WA) 9:00am-12:00pm 4 Holiday – SAR Closed Education Committee(B) 10:30-11:30am New Member Orientation/Key Class (B) 12:30pm-4:30pm 8 Interns (B) 2:00pm-3:00pm 7 Dennise McKenzie Class (EA) 9:00am-12:00pm Affiliate/Finance Forum (WA) 9:00am-10:30am CanTree Committee (B) 9:45am-11:00am REVEI Video (T) 12:30am-3:30pm 12 13 14 15 Main Meeting (A.) 9:00am-10:30am New Member Orientation/Key Class (B) 8:30-12:30pm GRI (WA) 8:00am-5:00pm Fall RETI Series (WA) 9:00am-12:00pm REVEI Video (T) 9:30-12:30pm Interns (B) 2:00pm-3:00pm Masters Club (B) 9:30am-11:00am New Member Orientation/Key Class(B) 8:30-12:30pm WinForms (WA) 9:00am-12:00pm Realtist (EA) 9:00am-11:00am Legislative Committee (B) 9:30am-10:30am Equal Opportunity (B) 11:15am-12:30pm Prospector Lecture (WA) 1:00-4:00pm Exams (T) 2:00-4:00pm 18 19 20 21 22 New Member Orientation/Key Class (B) 12:30-4:30pm Regional Meetings (WA) Different locations 8:30-9:30am New Member Orientation/Key Class (B) 8:30am-12:30pm Commercial Forum (WA) 8:00am-12:00pm Fall RETI (WA) 9:00am-12:00pm Power of Exchange (EA) 9:00am-12:00pm Interns (B) 2:00pm-3:00pm REVEI Video (T) 12:30am-3:30pm Broker/Manager Forum (WA) 9:00-10:00am REVEI Video (T) 12:30-3:30pm REVEI Video (T) 9:30am-12:30pm Exams (T) 2:00-4:00pm 25 Duane Gomer Notary (WA) 8:00am-5:00pm New Member Orientation/Key Class (B) 12:30-4:30pm 26 27 28 Affordable Housing Cert. (WA) 8:00am-5:00pm New Member Orientation/Key Class (B) 8:30am-12:30pm Escrow Coordination Secrets (EA) 8:30am-12:30 pm SAR Office Closed for Staff Development 1:00pm-2:00pm Housing Opportunity (B) 2:00pm-3:00pm 29 Regional Meetings (WA) Different locations 8:30-9:30am Duane Gomer 45 Hrs in ½ Day (EA) 9:00am-12:00pm REVEI Video (T) 9:30am-12:30pm Board of Directors Meeting (B) 9:00am Fall RETI (EA) 9:00am-12:00pm WCR Luncheon (WA) 11:00am-2:00pm Broker/Manager Forum (WA) 9:00am-10:00am Exams (T) 2:00-4:00pm REVEI Video (T) 12:30-3:30pm ExperienceCounts American Home Mortgage’s Sacramento branch 2005 achievements: • #1 Loan production out of 150 American Home Mortgage branches. • #1 Pacific Region Branch for the past Twelve Years. • Closed more than 1,500 loans in 2005. Dave Heard Vice President Branch Manager Chairman’s Club Ext.100 Dave Whiteside Loan Officer Chairman’s Club Ext.101 Beth Gewerth Mortgage Consultant Chairman’s Club Ext.140 Jim Marco Denise Caton Loan Officer Chairman’s Club Ext.104 Loan Officer Ext.122 Ray Gin Loan Officer Ext.102 Jack Maple Senior Mortgage Consultant Ext.110 916.923.9130 800.469.5363 Toll Free American Home Mortgage 1610 Arden Way, Suite 275 Sacramento, CA 95815 Lic by the Dept. of Corp. Under the CRML Act. American Home Mortgage’s knowledgeable loan professionals will assist your buyers in finding the right loan program to fit their needs! 20 Minute loan approvals! Call today to discuss your clients needs! 20 Sacramento REALTOR® • August 2006