Sept 2010 - Rockland County Board of REALTORS

SEPTEMBER 2010
ROCKLAND CTY BOARD OF REALTORS
THE VOICE FOR REAL ESTATE
Event Calendar
September
2nd C/E – 3 credits
Dream Homes
9:00am-12:15pm
20th C/E – 3 credits
Appraisal Report Writing Formats
9:00am-12:15pm
20th C/E – 3 credits
The Deal Killers: Appraisers and
Underwriters
1:15pm-4:30pm
27th & 28th C/E – 15 credits
GRI RI 409 Equal and Ethical
Service
8:30am-5:30pm
October
6th C/E – 3 credits
Risky Business
6:30pm-9:45pm
13th
Lunch & Learn
Haunted Houses
of Rockland County
Pasta Cucina – New City
12:00 Noon
th
14 C/E – 3 credits
One Test You Don’t Want To Fail
9:00am-12:15pm
27th
Bus Trip to Foxwoods Casino
$20.00 to reserve your seat!
28th C/E – 7.5 credits
The Not-So-Basics of Mortgage
Finance
8:30am-5:30pm
RCBOR’s 2nd Annual REALTORS GOT TALENT
And The Winner Is… Angelique Ilo and Michael Kubala
The Rockland County Board of Realtors hosted its 2nd Annual Realtors Got Talent on
August 18, 2010.
The very talented performers included: Madeline Galgano, Adam Gloc, Elisha
McGinnis, Melissa Zeller, Paige DiFrancesco, Angelique Ilo and Michael Kubala.
Linda Paige, the Regional RPAC Chair judged the contest along with our judges from
Rockland: Drew Kessler, Teresa O’Shaughnessy, Debbie Russo and Merrill
Starostiak.
Thank you to all who attended and supported this RPAC fundraiser. With your RPAC
contribution all Realtor voices can be heard, and it gives strength to help resolve
Realtor issues.
Upcoming events for October include our Lunch and Learn program featuring guest
speaker Linda Zimmerman and the Haunted Houses of Rockland County. Mark your
calendar for October 13th, 2010 - 12 Noon at Pasta Cucina in New City.
Our Annual bus trip to Foxwoods Casino has been re-scheduled for October 27th,
2010. Please reserve your seat now as there is only one bus for this trip. $20.00 will
reserve your place and will be returned to you on the bus.
INSIDE THIS ISSUE…
PRESIDENT’S MESSAGE .................................................... 2
CURRENT MARKET CONDITIONS ............................... 3,4
LUNCH & LEARN ................................................................ 5
CODE OF ETHICS ................................................................ 6
REALTORS GOT TALENT HIGHLIGHTS ......................... 7
FAIRHOUSING ...................................................................... 8
LOCAL UPDATES ................................................................. 9
NAR & NYSAR UPDATES ................................................ 10
EDUCATION ....................................................................... 11
PRESIDENT’S MESSAGE
2010 LEADERSHIP
Oh, how time flies! I have now concluded my
eighth month as president, and it has been
extremely enjoyable and rewarding. The summer
has come and gone, and we have an incredible fall
lineup. It is not a usual occurrence for the New
York State Association of Realtors to have their
fall meetings in our backyard but from September
12th through the 15th; that will happen when the
meetings come to Rye.
PRESIDENT
Drew Kessler
269-3262
PRESIDENT-ELECT
Bill Thorne
634-7474
SECRETARY
Denise Murphy
634-1668
TREASURER
Jerry Lott
If you have ever wondered what the NYSAR meetings were all about, now
is your chance. You do not have to spend any money nor spend the
evening at a hotel. Put the morning of Monday September 13th from 8am
to 10am on your calendar as this will be the association update. At this
meeting you will hear from the leaders of our state organization. They will
discuss the current and future market and share what the organization is
working on to make our industry and us, as individuals, better.
I cannot stress to you enough how much you will benefit from this one
meeting as it will give you a whole new perspective on our industry and
our state. It is also a wonderful opportunity to network with other Realtors
around the state. This is a morning you cannot afford to miss. If you would
like further information about the meetings, please go to www.nysar.org.
Here you will find the information on the home screen after you have
logged in successfully.
268-5450
PAST PRESIDENT
Raj Bajaj
729-8521
DIRECTORS
Jesse Harris
Carol Messler
Elsa Seguinot
Roland Hakim
Linda Lipkins
Liz Rosenblatt
Mike Galgano
Stephanie Olson
Merrill Starostiak
Roberta Bangs
Sharon Tucker
634-4202
357-4747
634-0400
624-6500
634-7474
354-2554
639-9800
634-1668
634-0400
735-3700
623-5200
AFFILIATES
Steven Greenberg
Abe Kurek
364-6161
821-4063
On the local level, get involved in your local Board of Realtors. The last
page of this newsletter has the leadership application. Take some time to
fill it out, send it in and Get Involved.
If anybody ever has any questions or issues that I can address, please feel
free to contact me. Thank you for the honor of leading our organization
this year, and I continue to enjoy the journey.
Drew Kessler
THE ROCKLAND REALTOR
OFFICIAL PUBLICATION of the
ROCKLAND COUNTY BOARD OF REALTORS
300 North Middletown Road
Pearl River, NY 10965
(845) 735-0075 email: [email protected]
Our goal is to better inform our membership and provide a
vehicle for us to communicate with each other. This is your
newsletter. We invite you to submit articles and suggestions to
Editor, Board of Realtors, 300 N. Middletown Rd., Pearl
River, NY 10965 or call (845) 735-0075.
NEWSLETTER STAFF
EDITOR:
PUBLISHER
Adam DiFrancesco
Valerie Peters
Interested in advertising in this newsletter? Call 735-0075
The Rockland County Board of REALTORS makes no
warranties and assumes no responsibility for the accuracy of
the information contained herein. The opinions expressed in
articles are not necessarily the opinions of the Board of
Realtors.
Visit our website at www.rcbor.com
2
CURRENT MARKET CONDITIONS
Statewide sales of existing single-family homes in New York State fell by 50 percent in July compared to the recordsetting June total, which was bolstered by buyers who closed before the then-June 30 federal homebuyer tax credit
deadline. The preliminary single-family sales data accumulated by the New York State Association of REALTORS also
showed selling price growth as the July statewide median increased nearly 5 percent from June.
The falloff in sales from the record June totals was expected as the revised total of 11,518 sales was driven by tax credit
buyers. We believe the bulk of the tax credit sales were in the pipeline for June closings before the deadline was extended
to September 30.
The federal homebuyer tax credit gave the market a much-needed boost in the first half of 2010, but it also appears to
have resulted in buyers shifting the timing of their home purchases to take advantage of the opportunity. As a result, the
pool of buyers on the market during the typically busy summer market has been reduced, which in turn contributes to
fewer sales.
We are optimistic that today’s historically low mortgage rates and a good selection of available inventory will continue to
entice buyers to remain active through 2010 despite concerns about the economic recovery.
In a recent economic commentary, NAR Chief Economist Lawrence Yun noted that a ―pause‖ in housing market activity
was expected following the tax credit and that he is hopeful that it will not extend into the autumn months. If the pause
does continue, ―home prices could indeed take another tumble down after essentially stabilizing over the past 18 months,‖
he said.
Yun tied the future of the housing market to job creation. ―The housing market will surely regain traction sooner and be
on firmer footing once the economy adds jobs at a good pace. The importance of job creation is evident in local markets
like the Washington, D.C. region, the Boston market, and the Houston market. In those areas, job markets are expanding
and home sales are now, even without the tax credit having expired, matching up with last year’s levels.‖
Yun also pointed to low mortgage rates as the ―only hope to restart any momentum in the absence of robust job growth.‖
In his commentary, available here, Yun called the outlook for the economy and housing ―unusually uncertain‖ before
offering the reminder that homes will continue to sell at some level. ―Remember that back in 1982 mortgage rates
averaged 18 percent; there were 40 million fewer jobs back then compared to now. Even then, existing home sales still
managed to reach over 2 million units and many REALTORS® survived through that unhappy experience. On the bright
alternative scenario, if business spending comes back to where it should be, then GDP could easily grow at 5-percent rate.
That would correspond to very healthy job gains of possibly 3 million in a single year. As we know, people with jobs, buy
homes. That would, indeed, be a good sign for housing.‖
January
February
March
April
May
June
July
2010
4555
4068
5461
6285
6758
11518
5697
Sales of Existing Single-Family Homes January - July 2000-2010
2009
2008
2007
2006
2005
2004
2003
2002
4024
5322
6626
6497
6674
6389
6164
6304
3548
4729
4659
5734
5692
5457
5019
5663
4528
5311
7241
7416
7167
6752
5923
6624
4997
6065
6986
7176
7702
7446
6373
7592
5801
6943
8271
8994
8620
8213
7008
8399
7650
8010
9741
11000 11001
10613 8469
9163
8755
8809
9845
9704
10750
10891 9814
10098
Source: NYSAR Housing Statistics
3
2001
5527
4556
5790
5903
7198
8913
6157
2000
4486
4006
5291
5830
7367
9293
8241
New York REALTORS sold 5,697 existing single-family homes in New York State during July 2010, a 50.5-percent
decrease compared to the June 2010 sales total of 11,518. The July 2010 sales total was 34.9-percent below the July 2009
total of 8,755.
Median Sales Price of Existing Single-Family Homes July 2009 to July 2010
Source: NYSAR Housing Statistics
The July 2010 median sales price in New York State of $227,000 represents an increase of 4.9 percent compared to the
June 2010 median of $216,437 and an increase of 15.2 percent from the July 2009 median of $197,000.
4
LUNCH & LEARN
HAUNTED HOUSES OF ROCKLAND COUNTY
With GUEST SPEAKER
Linda Zimmerman
Today, Linda is the author of 14 books, is a popular speaker, and has made
numerous appearances on television and radio. She has received honors and
awards for her books on American History, and has lectured at the
Smithsonian, West Point and Gettysburg. Astronomy and the space program
are also favorite topics for her books, articles and lectures. In addition, Linda
has appeared at major science fiction conventions for her two novels. So, with
all these varied achievements, how on earth did she ever start writing about
ghosts?
Several years ago, Linda was giving a series of history lectures for the bicentennial of Rockland County, in southern New
York’s beautiful Hudson Valley. One evening, someone asked about local ghosts and legends, so Linda told the one ghost
story she knew. A few days later, she received a call. The excited voice on the other end of the line said, "I hear you give
ghost talks!" Linda then added a few more ghost stories to her lectures, word spread, and by the end of the series, more
people were showing up to hear about the ghosts than the history.
Date:
Time:
Place:
Cost:
Wednesday October 13, 2010
12 Noon
Pasta Cucina, New City
(the old Beth Carries)
$15.00/member-advanced registration; $20.00 at the door
$25.00/non member-advanced registration; $30.00 at the door
Name
Contact Phone Number
Company
Visa/MC/AmEx
Exp Date
Print this page and fax to 845-735-0415
5
CODE OF ETHICS
Article 11
The services which REALTORS® provide to their clients and
customers shall conform to the standards of practice and competence
which are reasonably expected in the specific real estate disciplines in
which they engage; specifically, residential real estate brokerage, real
property management, commercial and industrial real estate
brokerage, land brokerage, real estate appraisal, real estate
counseling, real estate syndication, real estate auction, and
international real estate.
Case #11-2: Obligation to Disclose Assistance in Appraisal
(Revised November, 2001).
REALTOR® A completed an appraisal of a large house for Client B
and submitted an appraisal report. In connection with a mortgage
loan application, the appraisal report came to the attention of three
other REALTORS®. One of them, REALTOR® C, filed a complaint
with the local Board of REALTORS®, charging REALTOR® A with
violation of Article 11 of the Code of Ethics. The complaint stated
that REALTOR® A, while engaged in appraising Client B’s property
had called REALTOR® C and asked for information concerning
residential property values in the area where Client B’s property was
located; that REALTOR® C had answered the questions; and that
REALTOR® A’s appraisal report had failed to acknowledge this
assistance provided by REALTOR® C.
REALTORS® shall not undertake to provide specialized professional
services concerning a type of property or service that is outside their
field of competence unless they engage the assistance of one who is
competent on such types of property or service, or unless the facts are
fully disclosed to the client. Any persons engaged to provide such
assistance shall be so identified to the client and their contribution to
the assignment should be set forth. (Amended 1/10)
At the hearing, REALTOR® A protested that REALTOR® C was
misreading Article 11, which is concerned entirely with conditions
that must be met when a REALTOR® undertakes an appraisal that is
outside the field of his experience. REALTOR® A established the
fact that he had many years of successful experience as an appraiser
of residential property in the area; that he specialized in that category
of appraisal; that he had called a number of REALTORS® and
officers of mortgage lending institutions to ask general questions
about current residential values in the particular neighborhood in
keeping with his usual practice; that he did not consider the courtesy
of responding to general questions of this kind as constituting formal
assistance in making an appraisal that is required to be identified
under
the
terms
of
Article
11.
• Standard of Practice 11-1 When REALTORS® prepare opinions
of real property value or price, other than in pursuit of a listing or to
assist a potential purchaser in formulating a purchase offer, such
opinions shall include the following unless the party requesting the
opinion requires a specific type of report or different data set: 1)
identification of the subject property; 2) date prepared; 3) defined
value or price; 4) limiting conditions, including statements of
purpose(s) and intended user(s); 5) any present or contemplated
interest, including the possibility of representing the seller/landlord or
buyers/tenants; 6) basis for the opinion, including applicable market
data; 7) if the opinion is not an appraisal, a statement to that effect
(Amended 1/10)
The Hearing Panel concluded that REALTOR® A’s defense was
valid, and that his action did not violate Article 11.
• Standard of Practice 11-2 The obligations of the Code of Ethics in
respect of real estate disciplines other than appraisal shall be
interpreted and applied in accordance with the standards of
competence and practice which clients and the public reasonably
require to protect their rights and interests considering the complexity
of the transaction, the availability of expert assistance, and, where the
REALTOR® is an agent or subagent, the obligations of a fiduciary.
(Adopted 1/95)
With today's economy, you and your clients need to be assured when it comes
to decisions about property values. Sustainable design and green building
practices are fast becoming the standard in real estate ... we have received our
NAR's Green Designation. GHV is the leading real estate appraisal company in
the Tri-State Area and has been granted status as a New York State WBE
(Woman-Owned Business Enterprise).
Please call me at (845) 267-0834 for all your appraisal needs.
• Standard of Practice 11-3 When REALTORS® provide consultive
services to clients which involve advice or counsel for a fee (not a
commission), such advice shall be rendered in an objective manner
and the fee shall not be contingent on the substance of the advice or
counsel given. If brokerage or transaction services are to be provided
in addition to consultive services, a separate compensation may be
paid with prior agreement between the client and REALTOR®.
(Adopted 1/96)
• Standard of Practice 11-4 The competency required by Article 11
relates to services contracted for between REALTORS® and their
clients or customers; the duties expressly imposed by the Code of
Ethics; and the duties imposed by law or regulation. (Adopted 1/02)
6
2010 REALTORS GOT TALENT
Melissa Zeller
Paige DiFrancesco
Adam Gloc
Elisha McGinnis
Madeline Galgano
Michael Kubala & Angelique Ilo
Adam DiFrancesco
Judges: Linda Paige; Teresa O'Shaugnessy; Merrill Starostiak; Debbie Russo; Drew Kessler
7
FAIR HOUSING
Governor Should Sign Bill Barring Source-of-Income Bias
New York's elderly, the poor, people with disabilities and other vulnerable populations could
soon get more housing choices — and another tool for fighting back when their opportunities
have been restricted for no good reason.
With hardly any fanfare, state lawmakers have given final legislative approval to a bill barring
housing discrimination based on the source of an applicant's legal income — whether it be from
employment, child support, alimony, foster-care subsidies, Social Security or any form of federal,
state or local public assistance, including Section 8 housing vouchers. The legislation passed the Assembly 136-4 and the
Senate 34-27; last week, it was still being readied for submission to Gov. David Paterson. He should quickly sign the
protections into law.
Advocates for fair housing and people with disabilities, including veterans, have been pressing for such protections. They
complain of constant reports of landlords refusing even to consider housing applicants who receive government subsidies,
veterans benefits or disability payments — even when the income source is certain and the applicants have stellar credit
and payment histories. Before New York City adopted source-of-income protections in 2008, 90 percent of landlords
refused to accept Section 8 vouchers, according to one survey.
Limiting choices
Both private and government studies have shown that source-of-income discrimination unfairly limits housing choices,
perpetuates segregated housing patterns, contributes to homelessness and sometimes serves as a proxy for racial
discrimination. Such concerns no doubt figured in the controversial settlement last fall of the federal fair housing case
involving Westchester. The resulting consent decree called for just such legislation in Westchester — as part of a longoverdue effort to promote fair housing and combat practices that impermissibly limit housing choices.
The county Board of Legislators approved source-of-income legislation June 14; it was promptly vetoed by County
Executive Rob Astorino, who said the county measure was "hopelessly flawed" and "likely to produce unintended
consequences," and was "bad law" and would "hurt landlords by saddling them with legal uncertainty and unnecessary
regulations." The court-appointed monitor in the fair housing case has asked Astorino to provide more information about
the decision. His ill-considered veto — an endorsement of the status quo — should hardly be the last word on whether
housing seekers in Westchester get such protections.
Fatter penalties
The state measure is far more comprehensive than the bill vetoed by Astorino, offering scant loopholes or exceptions
(though neither measure obliges a landlord to accept a tenant with a poor payment history, bad credit and the like). "This
bill will help alleviate one of the obstacles that people with disabilities face when looking for housing, and maintain New
York state's reputation for being a leader on disability issues," said Assembly sponsor Jonathan Bing, D-Manhattan.
Democrat Daniel Squadron, also of Manhattan, was the Senate sponsor.
Their measure carries penalties of up to $100,000, twice as much as in Westchester. But county residents would still
benefit from county-hatched protection; discrimination complaints filed through the county human rights apparatus
proceed more swiftly than those filed through the state. In any case, Paterson should stand up for the state's most
vulnerable citizens — certainly a growing number — and sign the state protections into law.
8
LOCAL UPDATES
By: Joseph Baratta
Our board’s very own Green Resource Council will be launching “Green the Association”. It’s a way to get our member
offices to participate in a group effort to “Green Up”.
For this upcoming year, the Green Resource Council will be releasing different activities for each office to achieve. Since
the member offices range in size, occupancy & square footage, the tasks will vary and be proportionate so every office
can participate and have the same chances to succeed. The tasks can be as simple as changing out all screw in light
bulbs to CFL’s or separating office trash and taking it out to be recycled instead of tossing it into one big dumpster. The
end results will be less waste, energy efficiency and a group awareness to name a few.
At the end of the year during our annual November meeting, the council will be acknowledging those offices that have
completed the different tasks and to what level. In addition they will also be acknowledging individual members that help
make these goals a success.
What a great way to get our offices involved, better educate ourselves on Green initiatives and set an example in
Rockland. If you have any ideas you would like to share or would like to participate with the Green Resource
Council and brainstorm, we meet at 6:30pm at the board office in Pearl River the first Tuesday of each month. If we get
enough people in the room talking about the environment we can generate our own power!
BACK TO SCHOOL
WITH DIGNITY
Thank you to all Realtor offices that generously
donated school supplies benefiting our community.
Over 950 items and $150.00 in donations were
collected during the annual drive.
A Special Thank You to
Sheryl Santi Luks & Santi Express
for donating the collection boxes.
HUDSON VALLEY FOOD FRENZY
Once again, RCBOR will be participating in the Hudson
Valley Food Frenzy. The drive will be September 20,
2010 through September 24, 2010. Please bring nonperishable food donations to your Realtors Office, or to
the Board Office at 300 North Middletown Road, Pearl
River.
9
NAR & NYSAR UPDATES
______________________
NAR urges FHA to retain permitted seller
concessions
The My NYSAR app gives
REALTORS:
In a letter to Federal Housing Commissioner David
H. Stevens, National Association of REALTORS President
Vicki Cox Golder said a reduction in permitted seller
concessions will have a detrimental effect on the recovery of
the real estate industry and make it more difficult for buyers to
purchase a home. NAR's letter comments on the "Federal
Housing Administration Risk Management Initiatives:
Reduction of Seller Concessions and New Loan-to-Value and
Credit Score Requirements" Federal Register Notice. FHA
currently permits seller concessions of up to 6 percent, but the
proposed rule would reduce seller concessions to 3 percent. In
the letter, Cox Golder said "In states where closing costs are
high, our members report that seller concessions are often
higher than 3 percent and are critical to allowing the
borrowers to purchase the home without depleting all of their
savings."
The New York State Association of REALTORS is pleased to
announce the My NYSAR applications for both the iPhone
and Blackberry are now available. The apps make it easy for
REALTORS on the go to access the many resources NYSAR
has available,right on your smartphone.
Market Data – The latest housing market data for
your area, broken down by county.
Legal Resources – Answers to common real estate
legal questions and key legal information.
At the Capitol – Updates from NYSAR Government
Affairs, Calls for Action, and NYSAR legislative
priorities.
NYSAR Resources – Member benefits, contact
information and a link to NYSAR’s mobile site.
Education Near Me – NYSAR and local board
education course schedules, designation information
and more.
News to Use – New York State and national real
estate news updates.
NAR is also calling on FHA to lower the proposed
credit floor exemption for all FHA-insured borrowers seeking
to refinance and to ensure that borrowers with nontraditional
credit scores are not unduly burdened by manual underwriting.
FHA proposes a temporary exemption for refinances that
involve a reduction of existing mortgage indebtedness, but this
excludes borrowers with a credit score below 500. Many
borrowers have had credit scores above 500 when they
purchased their homes, but now have lower credit scores and
they may still be good candidates for a refinance. Lastly, FHA
proposes manual underwriting requirements for borrowers
with nontraditional credit histories. NAR believes that the
Technology Open to Approved Lenders (TOTAL) scorecard
was created to consider unique factors presented by borrowers
with nontraditional credit histories.
The iPhone app can be found by searching keyword
―NYSAR‖ in the Apple iTunes store, while the Blackberry
app can be downloaded directly from NYSAR.com.
For more information on the app and to view download
instructions, click here.
Have an Android, Palm or other smartphone? You can still
access NYSAR’s mobile site from your handset by typing
www.nysar.com into your phone’s browser.
Smile Today, Sell Tomorrow
National Association of REALTORS® and REALTORS Benefits®
Program has been pleased to introduce REALTORS® Dental
Insurance (RDI), an affordable and valuable benefit for NAR
members nationwide. RDI offers dental plans designed exclusively
for NAR members and their families. Unique benefits include:
orthodontia, professional whitening, dental rewards, and more.
For more information visit:
http://www.RealtorsDentalInsurance.com/AE.
If you have questions or inquiring on dental coverage for association
staff members please call 877-267-3752 or send an email to
[email protected].
10
EDUCATION
RCBOR’S UPCOMING EDUCATION CALENDAR
TAKE YOUR CAREER
TO THE NEXT LEVEL
PLAN AHEAD FOR 2011
GET YOUR BROKERS LICENSE
If you are a licensed salesperson having
completed the 45 hour pre-licensing
course, you are required to take the 30
hour remedial (GAP) course prior to taking
the 45 hour pre-licensing course for a
broker’s license.
(Broker or Associate Broker)
30 Hour Remedial Course
$225.00/includes text – 9 students
necessary to run the class
45 Hour Pre Licensing Brokers
Course
2010 CONTINUING EDUCATION
$325.00/includes text – 9 students
necessary to run the class
SEPTEMBER
Monday
9:00am-12:00pm
6 Hours
October 17, 2011
1:00pm-4:00pm
Tuesday
9:00am-12:00pm
6 Hours
October 18, 2011
1:00pm-4:00pm
Friday
9:00am-12:00pm
3 Hours
October 21, 2011
--------------------
Mon
Sept 20
9:00am-12:15pm 3 Cr
APPRAISAL REPORT WRITING
FORMATS
Mon
Sept 20
1:15pm-4:30pm
3 Cr
THE DEAL KILLERS: APPRAISERS &
UNDERWRITERS
Mon & Tuesday Sept 27 & 28
8:30am-5:30pm
15 Cr
GRI RI409 EQUAL AND ETHICAL
SERVICE
Monday
9:00am-12:00pm
6 Hours
January 31, 2011
1:00pm-4:00pm
Monday
9:00am-12:00pm
6 Hours
October 24, 2011
1:00pm-4:00pm
Thursday
9:00am-12:00pm
6 Hours
February 3, 2011
1:00pm-4:00pm
Tuesday
9:00am-12:00pm
6 Hours
October 25, 2011
1:00pm-4:00pm
Wed
Oct 6
6:30pm-9:45pm
3 Cr
RISKY BUSINESS
Monday
9:00am-12:00pm
6 Hours
February 7, 2011
1:00-pm-4:00pm
Friday
9:00am-12:00pm
3 Hours
October 28, 2011
--------------------
Thurs
Oct 14
9:00am-12:15pm 3 Cr
ONE TEST YOU DON’T WANT TO
FAIL
Thursday
9:00am-12:00pm
6 Hours
February 10, 2011
1:00pm-4:00pm
Tuesday
9:00am-12:00pm
6 Hours
November 1, 2011
1:00pm-4:00pm
Monday
9:00am-12:00pm
6 Hours
February 14, 2011
1:00pm-4:00pm
Friday
9:00am-12:00pm
3 Hours
November 3, 2011
--------------------
Thursday
9:00am-11:00am
2 Hours
February 17, 2011
Final Exam
Monday
9:00am-12:00pm
6 Hours
November 7, 2011
1:00pm-4:00pm
Mon
Nov 1
6:30pm-9:45pm
3 Cr
PERIODIC CODE OF ETHICS
Tuesday
9:00am-12:00pm
3 Hours
November 8, 2011
Final Exam
Mon
Nov 8
9:00am-1:15pm
4 Cr
HOME CONSTRUCTION
FUNDAMENTALS FOR REALTORS
OCTOBER
Thursday
Oct 28
8:30am-5:30pm
7.5 Cr
THE NOT SO BASICS OF MORTGAGE
FINANCE
NOVEMBER
Thurs
Nov 18
6:30pm-9:45pm
3 Cr
SEVEN DEADLY SINS
DECEMBER
Wed
Dec 8
6:30pm-9:45pm
3 Cr
FAIR HOUSING
Mon
Dec 13
9:00am-12:15pm 3 Cr
OPPORTUNITIES AND ADVANTAGES
OF HOME WARRANTY CONTRACT
DISCLOSURE
11
RCBOR LEADERSHIP APPLICATION
ROCKLAND COUNTY BOARD OF REALTORS
LEADERSHIP APPLICATION
Name
Firm
Position
Business Address
Business Phone
Cell Phone
Email
@
Realtor Information
Number of Years Licensed:
Realtor Associations and/or MLS organizations in which you hold membership:
# of Years
# of Years
Prior Board Offices Held, When:
Committee of Interest:
Describe any other information you think the nominating committee should consider:
Use separate sheet if necessary
Have you ever attended a NYSAR convention?
# attended:
Have you ever attended a NAR convention?
# attended:
If elected to the Board, I understand, I will be required to attend all General Membership Meetings, all Fundraising Events,
and 10 Directors Meetings; if elected as an officer I will also be required to attend 2 NYSAR meetings each year.
Signature of Applicant
Date
Fax completed application to: 845-735-0415 or mail to: RCBOR, 300 N Middletown Rd, Pearl River, NY 10965
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