August 2006 - Sacramento Association of REALTORS



August 2006 - Sacramento Association of REALTORS
Sacramento Association
US Postage
Permit No. 538
Sacramento, CA
2003 Howe Avenue
Sacramento, California
August 2006
Volume 8, Number 8
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
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
Page 15–16
September Calendar
Page 20
Gourmet Lunch from Shark Pit sponsored by Big Valley
Register at before Thursday, August
31 and you could win $500.
• Extreme Agent Makeover featuring IDX website subscription, SAR education package, marketing tools, and much
Portable Office including Tablet PC, printer, digital camera,
deluxe carrying case
Weekend getaway
Dynamic Speakers
Fabulous Prizes
Extensive Tradeshow
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.
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
• Personal assistants & today’s technology
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.
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:
Big Valley Mortgage
IDX Central
First American Natural Hazard
First American Title
Realnet Software
Property I.D.
CD-Data/Parcel Quest
Old Republic Title
The Real Estate Buyer’s Guide
Commission Express
Hanson Law Firm
Old Republic Home Warranty
Property Minder
Pocket MLS by Baynet
Cal-Vintage Roofing Company
The Real Estate Book
Top Producers
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
[email protected]
Sacramento Association
Sacramento Association
2003 Howe Avenue, Sacramento, CA 95825
FAX (916) 922-1221 or FAX (916) 922-3904
2003 Howe Avenue
1164 W. National Dr. Suite 60
Sacramento, CA 95834
(916) 922-2234 or (916) 922-7584
Leigh Rutledge
Alan Wagner
Tracey Saizan
Dave Tanner
Immediate Past President
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
The purpose of the Sacramento
Association of REALTORS® is to enhance
the ability of its Members to practice their
profession ethically and effectively.
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
Feel free to call us directly.
Nelson Janes – 916.437.1201
Executive Vice President
Jennifer Macias – 916.437.1204
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
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
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
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
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®
Editor:Judy Wegener
Publisher:Ned Foley,
Foley Publications
Design & Layout: Brio Creative
To Advertise: Foley Publications
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
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
Kamran Amin
(916) 567-5377
Fluent in Hindi
& Punjabi
Linda Morgan
(916) 567-5319
Christy Andrei
(916) 567-5354
Fluent in
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
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
Maria SmirnovaGalbo
(916) 567-5382
Fluent in
Phong Huynh
(916) 567-5306
Fluent in
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,
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
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
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.
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Visit us for a list of services,
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6 Sacramento REALTOR® • August 2006
3931 Durock Rd.
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We’re experienced, we’re empowered, we’re here.
Up-Front Approvals that can give your clients the edge in the home buying process
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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
1515 River Park Drive
Suite 150
Sacramento, CA 95815
Branch Manager
6301 Sunrise Blvd.
Citrus heights, CA 95610
Scott Kearsing
Dave Cusano
Branch Manager
9280 W Stockton Blvd.
Elk Grove, CA 95758
Branch Manager
2901 Douglas Blvd.
Roseville, CA 95661
Jose Luis
Garcia Jr.
Branch Manager
2250 Del Paso Road B
Sacramento, CA 95834
Larry Nichols
Branch Manager
2296 E Bidwell Street
Folsom, CA 95630
Marcus Davis
Dennis Calmes
V.P., Area Sales Manager
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
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
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
Keep your anti-virus software up to
The final schedule will be online at
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
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
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.
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
Source: Nevada County Board of
This article is part of the NATIONAL
REALTOR® Safety Week Kit.
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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
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
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.
(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
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
Sacramento Association of REALTORS®; Mack Powell
2003 Howe Ave, Sacramento
No entrance fee/no reservations required
• 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.
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
all f
or a
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 (name change due to a trademark issue)
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
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
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.
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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
Arbour Real Estate Management Inc.
Law Office of Gary Link Inc.
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• 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
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• Special Legal Advisor to Rental Housing Assn
• DRE licensed broker since 1967
• Internet advertising of rental properties
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• Vice-President of NARPM
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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
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13 Sacramento REALTOR® • August 2006
SAR Educational Offerings
To download registration fliers, visit
To register for a class, visit or contact Traci Sarria at [email protected]
REVEI 45 Hours in 1/2 Day
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*
Trust Fund Handling*
Ethics & Professional Conduct*
Managing Stress
Procuring Cause
Estate Planning For Real Prop. Owners
How To Double Your Income in Sales
Empowerment Strategies
Trust Fund*
Ethics & Professional Conduct*
Fair Housing*
Win Win Negotiating
Environmental Hazards
CA Paper Trail
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
• Marketing tips guaranteed to improve
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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
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
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Continued on page 15
Cost: $50 if paid by August 10
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
Trust Fund
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Monday, August 14
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$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
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Thurs., Aug. 31
Tues., Sept. 5
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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
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
(916) 969-7567
Debra Culbertson
Vice President
Director of Marketing
Kim Nettleman
San Jose
Account Manager
Michele MacMartin Nicole M. De Santis
East Bay
Account Manager
Exchange Counsel
Call Today - 800.833.4343
Sacramento REALTOR® • August 2006 14
Continued from page 14
• 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
Please reserve your spot by Monday,
August 14
Sponsored By:
Sacramento Association of REALTORS®
Senior Real Estate Specialist
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! or
(800) 918-9637
C.A.R. Residential Purchase
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
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
You will receive...
• Class Outline
Custom Fax Sheets, Forms and
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 [email protected]
HUD Sacramento Field Office & Santa
Ana Homeownership Center
Who Should Attend?
All Real Estate Agents/Brokers
- 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
FREE OF CHARGE - Reservations
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
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
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
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
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
10 Safety Tips for Hosting an Open
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
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)
Ballot will
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.
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.
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
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
• 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
• Common exchange terminology
• What is “Like Kind” property
• The Exchange Equation
• Delayed exchanges and other
• Complete 1031 exchange closing
• 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
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
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 for our library inventory.
New book titles include:
• Multiply Your Success with Real Estate Assistants
• New Agent QuickStart Guide
*Regional Meeting
Meeting: CENTRAL
Days held: 2nd-5th Tuesdays
Time: 8:30 - 9:30am
Location: SAR Mack Powell Auditorium
Sherri Radovich, Washington Mutual
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
Days held: 2nd-5th Tuesdays
Time: 8:30 - 9:30am
Location:Elk’s Lodge, 6446 Riverside
Blvd., Sacramento
Karla Oppliger, Coldwell BankerDunnigan, 422-3756
Linda Morgan 567-5819
Organized caravan: no
Days held: 2nd-5th Tuesdays
Time: 8:15 - 9:15am
Location:Orangevale Community Center,
6826 Hazel Avenue, Orangevale
Pam Poore, Century 21 – Select
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
Bruce Slaton, Keller Williams, 480-8658
[email protected];
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
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
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
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
Regional Meetings
Different locations 8:30-9:30am
REVEI Video (T) 9:30-12:30pm
Government Relations (B)
Exams (T)
Prospector Lecture (WA) 9:00am-12:00pm
Holiday – SAR Closed
Education Committee(B) 10:30-11:30am
New Member Orientation/Key Class (B)
Interns (B)
Dennise McKenzie Class (EA)
Affiliate/Finance Forum (WA)
CanTree Committee (B) 9:45am-11:00am
REVEI Video (T) 12:30am-3:30pm
Main Meeting (A.)
New Member Orientation/Key Class (B)
GRI (WA) 8:00am-5:00pm
Fall RETI Series (WA)
REVEI Video (T)
Interns (B)
Masters Club (B) 9:30am-11:00am
New Member Orientation/Key Class(B)
WinForms (WA)
Realtist (EA) 9:00am-11:00am
Legislative Committee (B)
Equal Opportunity (B) 11:15am-12:30pm
Prospector Lecture (WA) 1:00-4:00pm
Exams (T)
New Member Orientation/Key Class (B)
Regional Meetings (WA)
Different locations 8:30-9:30am
New Member Orientation/Key Class (B)
Commercial Forum (WA)
Fall RETI (WA)
Power of Exchange (EA) 9:00am-12:00pm
Interns (B)
REVEI Video (T)
Broker/Manager Forum (WA)
REVEI Video (T) 12:30-3:30pm
REVEI Video (T) 9:30am-12:30pm
Exams (T) 2:00-4:00pm
Duane Gomer Notary (WA)
New Member Orientation/Key Class (B)
Affordable Housing Cert. (WA) 8:00am-5:00pm
New Member Orientation/Key Class (B)
Escrow Coordination Secrets (EA) 8:30am-12:30 pm
SAR Office Closed for Staff Development
Housing Opportunity (B) 2:00pm-3:00pm
Regional Meetings (WA)
Different locations 8:30-9:30am
Duane Gomer 45 Hrs in ½ Day (EA)
REVEI Video (T) 9:30am-12:30pm
Board of Directors Meeting (B)
Fall RETI (EA)
WCR Luncheon (WA)
Broker/Manager Forum (WA)
Exams (T) 2:00-4:00pm
REVEI Video (T)
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
Dave Whiteside
Loan Officer
Chairman’s Club
Beth Gewerth
Mortgage Consultant
Chairman’s Club
Jim Marco
Denise Caton
Loan Officer
Chairman’s Club
Loan Officer
Ray Gin
Loan Officer
Jack Maple
Senior Mortgage
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