March 2015 - Three River Association of REALTORS

VOLUME 23, NUMBER 3
Telephone: 815.744.4520
March 2015
THREE RIVERS ASSOCIATION
REALTORS ®’ RAP
OFFICIAL PUBLICATION OF THE THREE RIVERS ASSOCIATION OF REALTORS®
CE Requirements
2015 Managing Broker License Renewal
Managing Broker first
licensed after 2/1/2013
12 Hours of CE completed
between 5/1/13 and 4/30/15
Requirement includes a
minimum of 6 hours of Core
(3 Core A and 3 Core B)
and a maximum of 6 hours
of elective credit)
Managing Broker
licensed prior to
2/1/2013
Managing Broker
licensed AFTER
2/1/2015*
24 Hours total CE
Completed between 5/1/13
and 4/30/15.
NO CE due until 4/30/17
at which time 24 hours of
CE will be required.
12 Hours CE - Requirement
includes 6 hours of Core (3
Core A and 3 Core B) and a
maximum of 6 hours of
elective credit)
Check license for the
original issue date.
AND
12 Hours Broker
Management CE –
mandatory 12-hour interactive
course
*Sec. 5-70 (d) A person receiving an initial license during the 90 days before the renewal dates shall not be
required to complete the continuing education courses provided for in subsection (b) of this Section as a
condition of initial license renewal. Illinois licensed attorneys with an “active” attorney registration are exempt
from completing continuing education hours, but must submit the required renewal fee and application to the
IDFPR. Note: CE earned for disciplinary purposes may not be used toward your CE renewal requirements.
Copyright 2014 Illinois Association of REALTORS®
www.trarealtors.net
President’s Message
By: Debbie Prodehl, TRAR President
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MRED Information
To get the latest breaking MLS info, keep in touch with MRED by:
*
*
*
*
Linking MRED on Facebook.com/mredllc
Following MRED on Twitter.com/mredllc
Following MRED on plus.google.com
Joining MRED on LinkedIn
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For information call (630) 955-2755
USER FEES are due:
April 1, 2015
at 4:30 P.M.
Pay your bill online at
www.trarealtors.net
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Association Information
IMPORTANT DATES TO REMEMBER
Next USER FEES are due
April 1, 2015 by 4:30 P.M.
July 1, 2015 by 4:30 P.M.
October 1, 2015 by 4:30 P.M.
Pay your bill online at www.trarealtors.net
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NAR/IAR/TRAR Government Affairs Update
By: Tom Joseph, Government Affairs Lobbyist & Director
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NAR
3% Cap Bill Introduced
H.R. 685 “The Mortgage Choice Act” was introduced in the House of Representatives. H.R. 685 is bipartisan legislation introduced
by Representatives Bill Huizenga (R-MI), Gregory Meeks (D-NY), Ed Royce (R-CA), David Scott (D-GA), Steve Stivers (R-OH), Mike
Doyle (D-PA), David Joyce (R-OH), Betty McCollum (D-MN) and Stephen Fincher (R-TN). It would make two adjustments to the
Truth in Lending Act’s (TILA) definition of “points and fees” to ensure greater consumer choice in mortgage and settlement
services under the Ability to Repay/Qualified Mortgage (QM) rule. An identical bill passed the House last year on the suspension
calendar by voice vote (H.R. 3211). NAR and its industry partners is working to get companion legislation introduced in the Senate
and is urging both Houses to move quickly to end discrimination against mortgage companies affiliated with real estate firms.
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Fannie Collateral Underwriter Lender Letter
Fannie Mae released !
&'(),'& to provide clarifications and additional information about Collateral Underwriter,
Appraiser Quality Monitoring (AQM) and updates to the Property Eligibility and Appraisal Requirements section of the Selling
Guide. The lender letter stresses that the lender must not make demands or provides instructions to the appraiser based solely on
automated feedback. Before asking the appraiser to consider any additional sales, the lender must determine if the use of such
sale would result in any material change to the appraisal report. The letter also clarifies that there is no direct connection between
the CU risk score and the AQM. A high CU risk score does not automatically trigger an AQM review and a lender should not
consider a CU high risk score as reflective of an individual appraiser’s work.
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RPAC Raffle
WIN
$500 Visa gift card!
ENTER TO WIN
1 ticket for $20
3 tickets for $50
Buy your tickets!
Call the Association office at 815-744-4520
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Contributions are not deductible as charitable contributions for federal income tax purposes. The Illinois REALTORS® Political Action Committee (RPAC) collects contributions from members of the National
Association of REALTORS (NAR) for political activities. A portion of each contribution will be used for state political activities; at least 30% will be used for federal campaign purposes. The federal portion will
be charged against an individual's federal contribution limits under 2 USC 441a. Contributions are VOLUNTARY and refusal to contribute does not affect membership rights. A member may contribute more or
less than the suggested amount. A copy of our report filed with the State Board of Elections is (or will be) available on the Board's official website www.elections.il.gov or for purchase from the State Board of
Elections, Springfield, Illinois.
-"
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Yo u a re i n v i t e d t o a t te n d
IAR CAPITOL CONFERENCE
Springfield, IL
Tu e s d a y, A p r i l 1 4, 2 0 1 5
~Three Rivers will provide transportation and registration ~
~ Deadline to register is 4:30 P.M. April 7th~
After April 7th Walk-ins will be accepted with personal registration fee on a space available basis.
No shows or cancellations after April 7th will be billed accordingly.
TUESDAY: Tentative Schedule: 8:00am Bus departs from Association Office; 8:30am passenger pickupDiamond; 11:00am Registration Hilton Springfield; 12:00pm Lunch Hilton Springfield; 1:30 Legislative Visits;
4:30pm Reception Hilton Springfield
6:30pm depart from Springfield
Name_____________________________________ Member #___________
Company________________________Office Phone Number____________
HOME Mailing Address*_________________________________________
HOME City, State, Zip*__________________________________________
HOME Phone Number*_______________ NRDS # (required)___________
Email________________________________________________________
Boarding Bus @Joliet_______ @Diamond (location TBA)_______
Driving_______
*must be provided
Please return to:
Three Rivers Association of REALTORS®
303 Springfield Avenue, Joliet, IL 60435
or Fax to 815/744-7677
For security purposes - YOU MUST BRING Your Drivers License!
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ǀĞŶƚ^ƉŽŶƐŽƌƐ
James Flanagan, Attorney at Law
14912 S Eastern Avenue Suite 106
Plainfield, IL 60586
(815) 254-1100
ŝŶŶĞƌ^ƉŽŶƐŽƌƐ
JereyALasky(630)7991470
AlisonCooper(773)5511502
RolandGomez(708)8817744
'ŝŌ^ƉŽŶƐŽƌƐ
AllThroughtheHouse,LLCJoeRobertson(815)4817743
FidelityNaonalTitleInsuranceCompanyDavidJohnson(312)2828324
AmericanNaonalTitleKarenBourg(815)9555319
KarenRobertson(815)6094360
BRT—HomeInspeconsDavidDinsick(815)4838440
WellsFargoHomeMortgageMichaelMontgomery(630)9736911
CanalPortHomeInspeconsPaulPolarek (815)6851842
WJBradleyMortgageCapitalLLCRolandChabolla(630)8538255
DaveMcClintockCEOThreeRiversAssociaonofREALTORS®
WJBradleyMortgageCapitalLLCTerriTroerEarley(815)7127848
Whenyouarewithyournextclient,pleaseconsidergivingthosethatsupportus
anopportunity.Theywouldappreciateachancetoearnyourbusiness.
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Three Rivers Association of REALTORS®
43RD Annual Golf Outing
Whitetail Ridge Golf Club
7671 Clubhouse Drive
Yorkville, IL 60560
Agenda
www.whitetailridgegolf.com
Registration:
10:30 AM
Lunch:
11:30 AM
Tee Off:
1:00 PM SHARP
Dinner & Raffles:
6:30 PM Approx.
**Dress Code- Collared Shirt with sleeves
**No outside food or beverages allowed
Hole Sponsorships $150
**For anyone that pays in full by May 8thyour
name will go into a drawing for a free
foursome at
Whitetail Ridge Golf Club and a $200 Visa Gift Card!!
Sign Only $50.00
Lunch-Golf & Cart- Dinner $115.00
Dinner Only & Raffle Ticket $45.00
Additional Sponsorships also available!
GOLFERS RECEIVE A COMPLIMENTARY GIFT!!
(FIRST COME, FIRST SERVE)
Please send me ___ Lunch-Golf & Cart-Dinner tickets at $115.00 each*
Total: $
Please send me_____ Dinner only & Raffle ticket at $45.00 each*
Total: $
*Payment must accompany reservation (No Refunds or Exchanges)
Name:
Office:
Address:
City:
Phone:
Zip:
Email:
Check #:
Amount:
(Make checks payable to: Three Rivers Association)
Credit Card #:
EXP. Date:
Signature:
**Mail check and Registration to: Three Rivers Association of Realtors, 303 Springfield Ave., Joliet, IL 60435
Phone: 815-744-4520 Fax: 815-744-7677 Email: [email protected]
Name of Golfers: (Please include the name of each golfer-Print Clearly)
1.
2.
3.
4.
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____
Three Rivers Association of REALTORS®
43RD Annual Golf Outing- June 9, 2015
!"#$
SPONSORSHIP OPPORTUNITIES
Sponsorships Must Be Paid By May 29th, to
receive written Recognition.
**Golf course rules…Do not allow outside
Food or Beverages**
SPONSORSHIP
COST
HOLE SPONSORSHIP
$150.00
$__________
DINNER SPONSORSHIP
$1,000.00
$__________
LARGE TRIP SPONSORSHIP
$500.00
$__________
$400.00
$__________
BEER HOLE
$350.00
$__________
MEGA PUTT SPONSORSHIP (COMPANY LOGO ON EVERY BALL)
$350.00
SOLD OUT
$__________
GETAWAY TRIP SPONSORSHIP
$300.00
$ __________
SCRATCH CARD SPONSORSHIP
$250.00
$ __________
GOLF CART SPONSORSHIP
$200.00
$ _________
REGISTRATION SPONSORSHIP
$200.00
$__________
SIGNS ONLY
$ 50.00
$_________
LUNCH TICKET $10 EACH
QTY ____
$_________
DINNER TICKET $45 EACH
QTY ____
$ _________
LUNCH SPONSORSHIP SELECTION
SPONSORS NAME: _______________________________________________________________ COMPANY________________________
ADDRESS: __________________________________
PHONE: (____) _____________________
CITY: ___________________________STATE: _____________ ZIP: _____________
EMAIL: ________________________________ ALL RECOGNITION WILL INCLUDE SPONSORS NAME,
COMPANY, ADDRESS AND PHONE UNLESS OTHERWISE NOTED:
______________________________________________
_____________________________________________________________________________
Check #:
Credit Card #:
Amount:
(Make checks payable to: Three Rivers Assocation)
EXP. Date:
____
Signature:
**Mail check and Registration to: Three Rivers Association of Realtors, 303 Springfield Ave., Joliet, IL 60435
Phone: 815-744-4520 Fax: 815-744-7677 Email: [email protected]
-"
Has the weather got you down? Tired of climbing through piles of snow to reach frozen lock boxes? Do
you find yourself wearing 4 layers of clothing on all your showings? Well cast your worries aside and join
us in one of our volunteer opportunities, where you can concentrate on some “do gooding” instead of
some “gosh darn it’s”!.
Currently, we have the following opportunities for you to involve yourself with other 3 Rivers members and
affiliates.
Together We Cope is a prevention agency, providing resources to families in temporary crisis, which will
enable them to stay in their homes. Since 1982, they have been bridging the gap for south suburban
residents in 27 communities by supplying food, shelter, clothing and referrals, empowering them to return
to self-sufficiency.
Last month a group of Three Rivers volunteers worked one morning at Together We Cope in Tinley
Park, sorting donated clothing items that had to be separated for potential resale in the store. All in
attendance reported having a very enjoyable morning, sharing stories and laughter, all the while working
through bags and bags of clothing. Currently, we have committed to having a group once monthly on a
Thursday morning for 3-4 hours. Next volunteer date is March 19th. Contact Rhonda 815-556-3312 or
Joyce 708-927-3803 for more information
Another fabulous opportunity to make a huge difference in someone elses life comes to us from Jim
Ludes and his connection with PADS. The PADS sheltering program runs through We Care of Grundy
County and is designed to offer a safe and welcoming place for people to be able to sleep comfortably
through the coldest months of the year. It is open to adults and families who are in need. Overnight
sheltering for those without a place to stay occurs between mid-October and mid-April at various
churches in Morris. Each church hosts a night of the week from 6pm to 7am. There are three shifts each
night. 6pm-11pm, 11pm-3am, 3am-7am. Shifts require multiple volunteers. Each shift requires multiple
volunteers that have responsibilities to accomplish during their shift. None are any more complicated than
checking guests in and serving and/or making dinner or breakfast. Volunteers are asked to help out for
one four hour shift per month (but can certainly do more). To volunteer or ask questions, please call We
Care at 815-942-6389 or Jim Ludes at 815-712-7786 (or [email protected]).
If you are aware of additional opportunities for us as a group or individuals to volunteer our time and
talents, please talk to Chairman Altman at 815-556-3312.
-"
CONTINUING EDUCATION COURSES
The ILLINOIS ASSOCIATION OF REALTORS® is sponsoring the following continuing education classes
in conjunction with THREE RIVERS ASSOCIATION OF REALTORS®
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REGISTRATION FORM
NAME _________________________________________ OFFICE NAME ___________________
ADDRESS ____________________________________________ PHONE __________________
CITY ______________________ STATE ________ ZIP _________ MLS # _________________
NRDS # _________________ LOCAL ASSOCIATION ___________________________________
REAL ESTATE LIC. # ______________ EMAIL ADDRESS________________________________
I WISH TO ATTEND AND REGISTER FOR THE FOLLOWING C.E. CLASSES (please check)
YYY)1?'.TM$@?$-@AAU
YYY%+)?%1T$-@?$-@(\&5\()?
YYY)5M?'.TM$@?$-@AAU
YYY%+)?%T$-@?$-@AAU
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YYY)1?'.T$-@?$-@AAU
YYY%+)?%TM$@?$-@AAU
YYY>?'.T$-@?$-@AAU
YYY-@?'.TM$@?$-@AMAU
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I am a:
Member
Non-Member
Cost: Members - $35 each course / Non-members - $50 each course
Payment Enclosed: $ ____cash $____check $____Visa $____MasterCard $____Discover $____AmEx
Credit Card No. __________________________________________________ Exp. Date ____________
SIGNATURE (for charge authorization) ______________________________________________________
Do you have any disabilities which require special accommodations? If so, please identify______________
_____________________________________________________________________________________
PLEASE MAKE CHECK PAYABLE TO: THREE RIVERS ASSOCIATION OF REALTORS®
MAIL TO: 303 Spring*eld Avenue, Joliet, IL 60435 Ph (815) 744-4520 Fax (815) 744-7677
-"
BROKER MANAGEMENT EDUCATION – BME 1802
In Conjunction with
www.trarealtors.net
Time & Location:
9:00 A.M. to 4:00 P.M.
(check-in begins at 8:30 A.M.)
Three Rivers Association
303 Springfield Ave, Joliet, IL 60435
Phone: 815/744-4520
Course Number: BME 1802
Credits: 12 Credit Hours
Course Description:
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3##8#3.#0#Mandatory for Managing Brokers
Cost:
$185 for TRAR Members*
$205 for Non-members*
*Payment Must Accompany Form
Date, Time, Day, Instructor:
___ Dec 10-11, 2014 9 a.m. to 4 p.m. (Wednesday/Thursday) Lynn Madison
Register:
___ Feb 18-19, 2015 9 a.m. to 4 p.m. (Wednesday/Thursday) Norm Willoughby
Mail: Three Rivers Association
Attn: Jacki Rogers
303 Springfield Ave
Joliet, IL 60435
___ Mar 19-20, 2015 9 a.m. to 4 p.m. (Thursday/Friday) Lynn Madison
Location: 303 Springfield Ave, Joliet, IL 60408
Phone: 815/744-4520
Fax: 815/744-7677
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Email: [email protected]
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Registeration Deadline:
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48 hours prior to date of course
Cancellation Policy:
All cancellation requests must be
received in writing 48 hours prior to
the begin of class to receive a
refund or credit.
##$YYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYY
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Special accommodations:
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If so, please identify your needs:
_________________________________
_________________________________
* * Payment MUST accompany registration * *
_____ Check payable to “Three Rivers Association”
_____ Credit card
Credit card #: ________________________________________________________
Exp date: ___________
Signature: ____________________________________
_________________________________
_________________________________
* * * ALL CONFIRMATIONS WILL BE SENT VIA EMAIL * * *
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-"
LEARNING LUNCH
THREE RIVERS ASSOCIATION OF REALTORS®
303 SPRINGFIELD AVE, JOLIET
March 12, 2015
11:30AM—1:00PM
APPRAISAL/APPRAISAL ISSUES
Presenters:
Tim McCarthy, TJ McCarthy & Associates, Past Chair Illinois Appraisal Licensing Board
Daniel R. Berenschot, MAI The PrivateBank, Managing Director-Chief Appraiser
Addressing Appraisal Issues
Dodd-Frank – what it means to home sales
Collateral Underwriting – figuring out what an appraisal really means
Issues with value – what is reconsideration
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RSVP by March 10, 2015
Please complete and fax to 1-815-744-7677
Name____________________________________________________________
MLS#_________________________Phone______________________________
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LEARNING LUNCH
THREE RIVERS ASSOCIATION OF REALTORS®
303 SPRINGFIELD AVE, JOLIET
April 16, 2015
11:30AM—1:00 PM
SAFETY Issues
~ALL Real Estate Related Services~
Presented by:
Some of TRAR’s Experienced AgentsIncluding Rhonda Altman, Jim Ludes, Dave McClintock,
Karen Robertson & Jim Sim
Have you ever found yourself in a bad situation?
Hear our panel discuss some of their experiences & tips,
and share your experiences with the group.
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RSVP by April 14, 2015
Please complete and fax to 1-815-744-7677.
No shows & guests will be invoiced $10.00
Name____________________________________________________________
MLS#_________________________Phone______________________________
-"
Affiliates Committee
MICHAEL MONTGOMERY NMLSR ID 729567
Home Mortgage Consultant
WELLS FARGO HOME MORTGAGE
(630) 973-6911 [email protected]
Preparing for the TILA-RESPA Integrated Disclosure Rule
Date Posted: Wednesday, February 4, 2015
By now you have probably heard of the TILA-RESPA
Integrated Disclosure Rule effective for most loan
applications received on or after August 1, 2015.
As August 1, 2015, draws closer, you may be wondering
what steps Wells Fargo is taking to prepare for the new
rule. And more importantly, you may be wondering if we
will we be ready. The answer is a resounding YES and
here is why:
The Consumer Financial Protection Bureau’s (CFPB) main
purpose is to protect the consumer and that is a primary
goal of the new TILA-RESPA rule. The rule focuses on
consumers fully understanding the terms of a loan
Keep TILA-RESPA top of mind!
transaction before committing to it. After all, buying a
home is most likely the largest financial transaction of a
person’s life, and he or she should be fully informed.
We at Wells Fargo have always supported that position as it aligns with our consumer-centric vision: “We want to
satisfy all our customers’ financial needs and help them succeed financially.”
Aligning the CFPB’s mission to protect the consumer with our own consumer-centric vision is only part of the story:
We must also have the tools and processes in place to back it up. And we do! Let’s take a look at some of the key
projects and initiatives already in place to help team members prepare for the changes and set the stage for a
successful adoption of the new TILA-RESPA Integrated Disclosure Rule.
The content of this article sourced from Wells Fargo Consumer Lending Group MY NEWS
Contact Michael at (630) 973-6911
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or [email protected]
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Login for Agents
To view your account online:
#1. go to www.trarealtors.net
#2. login using your MLS ID # and your password
#3. Click “Easy Pay” (located at the upper right corner - not on the left)
#4. login again
Login for Managing Brokers
and Broker-Owners
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;= "*> in advance who has and has not paid their MLS/Supra fees. This is a great way to
assist your agents in insuring that all of their fees are paid in a timely fashion. As the
managing broker, you will have the ability to maintain control over your agents to insure
that they have paid all of their fees on time. This will ultimately become a money saver
for the agents as they would not be assessed the $50 reactivation fee and will not have
any down time of not being able to access the MLS/Supra system should they not pay
by the deadline.
#5. click “Pay Your Bills Online” to view your invoices
#6. click “Change Your Personal Information” to modify your personal
information.
#1. go to www.trarealtors.net
View “Other Services” section for more information on Education,
Committees and Event History. If you have any questions regarding the
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of our professional staff will be able to assist you.
#2. login using your MLS ID # and your password
#3. Click “Easy Pay” (located at the upper right corner - not the one on the left)
#4. login again
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