December 2013 - Sacramento Association of REALTORS
Transcription
December 2013 - Sacramento Association of REALTORS
SACRAMENTO REALTOR ® Making Sacramento a Better Place to Call Home for Over 100 Years DECEMBER 2013 A PUBLICATION OF THE SACRAMENTO ASSOCIATION OF REALTORS ® 2013 RECAP PAGE 10 2 December 2013 INSIDE THIS ISSUE 4 President’s Perspective 6 CEO Exchange 8 About The Market 10 2013 Recap 14 January Calendar 18 MLS Statistics 22 Young Professionals Network ADVERTISERS INDEX Thank you for your continous support! Eagle Home Mortgage page 2 Mason McDuffie Mortgage page 3 Liv Sacpage 5 Comstock Mortgage page 7 Republic Mortgage page 9 Wells Fargo page 13 imortgagepage 17 M&M Properties Family Law Center Umpqua Bank Lewis Apartments Land Home Financial Investors Choice page 20 page 22 page 23 page 24 page 25 page 26 For advertising informaion, please contact Craig Foley or Ned Foley at 800-628-6983 orvisit our website at: www.foleypub.com. Celebrating 25 Years of Service Specializing in: FHA / VA / Conventional • CalHFA HomePath • FHA 203K • USDA Down Payment Assistance Programs 916.852.0000 • 7801 Folsom Blvd. #105 • Sacramento, CA 95826 This is intended for real estate and mortgage professionals only and is not intended for distribution to consumers or other third parties. Licensed by the Dept. of Corporations under the California Residential Mortgage Lending Act. Universal American Mortgage of CA. dba Eagle Home Mortgage of Gold River. NMLS License #804943 STABILITY SINCE 1887 Change is constantly happening all around us every day. It’s nice to know that the lender you start your loan with today will be here to fund it at your closing...And be on time! David Heard Thomas Engwer Suzanne Nunez Scott Short 530.902.3725 916.532.8263 916.300.7545 916.997.4828 Chad Focht Chris Opfer 916.798.1234 916.709.3257 NMLS# 240643 Branch Manager NMLS# 244146 Branch Manager David Whiteside Ray Gin 916.730.8282 916.207.6332 NMLS# 247866 Loan Officer NMLS# 246802 Loan Officer NMLS# 262435 Sr. Loan Officer- Roseville NMLS# 247260 Loan Officer - Elk Grove NMLS#225998 Loan Officer NMLS# 256253 Loan Officer - Elk Grove FHA, FHA 203K, VA, USDA 100% Financing, CalHFA, CONVENTIONAL and JUMBOS We have over 107 Years of combined lending experience 916.929.2333 2033 Howe Avenue, Suite 110 Sacramento, CA 95825 Licensed by the Department of Corporations under the California Residential Lending Act NMLS# 1141 4 P resident ' s P erspe c tive Chris Little 2013 President I want to thank ever yone who participated in making this year such a great year for the Sacramento Association of REALTORS®. It has been a wonderful and humbling experience to serve as your president this year. My theme for the year was “Building a Foundation for the Future” and I believe we made a solid effort. From my experiences at National Association of REALTOR® meetings I know our Association is genuinely one of the finest and most complete in the entire country. We owe so much of our success to the tremendous amount of volunteers and the efforts they put forth on behalf of all of us. In mid 2012, SAR adopted a new three-year strategic plan with six broad goals: • Education: Offer high-quality education that is accessible and relevant to SAR members. • Advocacy: Establish SAR as “the” source for real estate information • Communications: Actively engage in communication with SAR members and the public and make them aware of the value of REALTORS® and REALTOR® organizations. • Governance: Be an innovative and proactive organization that strives for greater transparency. • Technology: Be a leader in the use of the most relevant technology. • Membership: Develop its unique value proposition to retain SAR members and actively recruit new members. Together we have accomplished so much this year. Of course, much remains to be done and I know Paula Swayne, our incoming President is eager to begin her year and ready to tackle the challenges ahead in 2014! One of our most important efforts for looking to the future is our Leadership Academy, led this year by Linda Wood and Jennifer Odama. They have helped produce an exciting group of graduates, ready to take their places in the ranks of SAR. Education is one of our most valued services by our Members. Franco Garcia and Mahnaz Khazari have provided excellent leadership. For 51 years, our Scholarship Trustees have been assisting worthy college-bound students. This year, 25 students received $43,000 in scholarships, thanks to the efforts spearheaded by the “Dean of Scholarships” Perry Georgallis. SAR’s new charitable foundation is off to a terrific start under the leadership of Charlene Singley and Steve Galster. All charitable fundraising for our association is now under the Foundation, which means more recognition for all the good you do in the community. Working through the Foundation, SAR Members contributed nearly $138,000 in 2012. The number will be even higher in 2013! Congratulations to the Foundation for its successful “Moonlight and Melody” gala in June. The Volunteer Coordinating Committee was created in 2013 to help find more volunteer opportunities for SAR members, and more members to volunteer. I especially want to thank Kelean Barragan who stepped up to head this new effort. The CanTree Committee under Kathie Bell and Chris Clark put on the Crab Fest and Sip & Support and has just finished building the CanTree. CanTree’s 31st year was dedicated to Pam Poore, “Mrs. CanTree,” who lost her battle with cancer earlier in the year. The Government Relations Committee under Patrick Lieuw kept close watch on area politics. Point-of-sale proposals remain a serious concern. Mortgage interest deductibility and flood issues never go away. The REALTOR® Action Fund Committee, chaired by Deniece Ross-Francom, provides crucial 5 support for the Political Action Committee. Led by Charlene Singley and Kevin Cooper, the PAC trustees make important, well-studied decisions on candidates and issues. The Young Professionals, led by Kyle Finley and Brandie Ribiero, put on forums and fundraising events: the Spring Vendor Faire raised money for SAR Scholarships and “A Night Among the Stars” supported the SAR Charitable Foundation and CanTree. The Marketing and Communications Committee, led by Kellie Swayne and Michael D. Williams, developed a membership survey and reviewed SAR’s communications materials. The Masters Club, led superbly by Steve Galster, put on many events and mixers including the annual golf tournament. They gave a total of $16,000 to Children’s Receiving Home and Women’s Empowerment. Led by Tong Veu, the Equal Opportunity Committee developed a new series of Lunch and Learn programs, “The Language of Real Estate.” REALTOR® representatives of some of the many cultures and ethnic groups in Sacramento discuss the finer points of doing business with their culture. The Housing Opportunity Committee, led by Barbara Lebrecht and Mary Willett, continued to educate Members on sources of funding for buyers, through their ever-popular “Show Me The Money” events. With Ron Greenwood in charge, the Strategic Planning and Finance Committee (formerly known as Budget) kept us on a straight financial path. This year we celebrated the 100th year of the Code of Ethics, the essence of being a REALTOR®. The Grievance Committee and Pro Standards Committee help uphold the Code of Ethics. The Grievance Committee was ably led this year by Randall Hom and Cherie Hunt. Ed Anderson and Rich Rumsey led Pro Standards. The membership survey showed members value networking and relevant, up-to-the minute real estate information. We have three forums every month to help fill that need: Public Issues, led by Jeff Grenz; Industry Update, chaired by Paula Swayne, and Real Estate Finance and Affiliate Forum, chaired by Larry Challis. Larry’s efforts helped bring more REALTORS® to the meetings and kept us entertained and informed. Bill McKnight and Kathie Bell kept the Regional Meetings on track for the second year. The meetings, in five locations around Sacramento County, are an important service to our Members. The Technology Advisory Committee, chaired by Steve Ostrom, provides tech tips in the newsletter and on the website. Longtime commercial REALTOR® Anthony Scotch chaired a new committee this year for the SAR Commercial Division. The Inaugural Sacramento Real Estate Connect held at the McClellan Conference Center in October, was a major success. It was a tremendous collaborative effort of Commercial and Residential REALTORS and provided a wealth of economic information. It was a good venue for commercial and residential REALTORS to connect and build relationships with one another. Also new this year is the Internship Committee, chaired by Brian McMartin. We have future REALTORS® who want to intern, and offices willing to work with them. This is an exciting indicator of improving industry conditions. Anyone who spends any time at all at SAR quickly realizes what an amazing staff we have. Under the leadership of Dave Tanner, the SAR staff provides more services every day than most of our members – including me – are even aware of. So, to everyone who volunteered this year – THANK YOU! I am very grateful to all of you for your efforts and support throughout this year. Thank you for the opportunity to be the steward of the incredible organization. I know SAR will be in good hands in 2014 and I look forward to another uplifting year with Paula Swayne at the podium! Liv Sac Liv Sac Liv Sac Liv Sac what does it take for customers to remember you? www.livsac.com 916-956-8053 6 CEO EXCHANGE DAVE TANNER CHIEF EXECUTIVE OFFICER As we approach this time of year, it is customary to look back at where we have been. It does not seem like almost a year since we had the January Installation and welcomed President Chris Little and his leadership team. Chris brought us his theme of Building a Foundation for the Future. Many members took advantage of the improving market to attend classes in record numbers. They were truly building that foundation for their future. February brought us the annual Crab Feed and members again came out in record numbers. We not only sold out the event, but due to a last minute major sponsor, we exceeded the planned capacity for the event. March saw the installation of new carpeting in the Mack Powell Event Center as the start of a major building rehabilitation program for SAR headquarters continuing off and on for most of the year. April was highlighted by the installation of Steve Galster as President of the SAR Masters Club. It also brought us the first of two volunteer home renovation events in conjunction with Sacramento Rebuilding Together. May featured both the C.A.R. and NAR Legislative Days. REALTORS® had an opportunity to meet with legislators both at the State Capitol and two weeks later at the U.S. Capitol in Washington, D.C. June gave the SAR Charitable Foundation the opportunity to put themselves on the map with their formal gala in the Mack Powell Event Center. Many local politicians and celebrities attended and learned about the operation of the new Foundation. July saw a major technology upgrade that increased the ability to access the internet through state-of-the-art communications as well as major revisions to the staff hardware and software systems to allow staff members to work together efficiently to provide services to the members. August was highlighted by the Sip and Support event. It also saw Deborah Grinnell depart for her four-month sabbatical in Europe. September brought us the start of the Real Estate Training Institute for 2013. It also brought us the second housing rehabilitation event in conjunction with Rebuilding Together. October saw members travelling to Long Beach, California for the C.A.R. meetings and annual convention. November provided the same opportunity for members to go to San Francisco for the NAR meetings and annual convention. REALTORS® in this area got a great opportunity to ride busses for a Saturday trip to the NAR convention due to the generous contributions of MetroList and their bus sponsors. This month also saw the Young Professionals Network Gala and the Women’s Council of REALTORS® Installation of officers. We ended the month with the annual CanTree build at Sunrise Mall. December started with the President’s Appreciation Breakfast to thank the many members that volunteered their time to help SAR operate efficiently for the benefit of all members. As the month draws to a close so will the term of Chris Little as SAR President. But he will move on to one of the best jobs anywhere, Past President of SAR. Brent Wilson Mortgage Strategist, CFP® (916) 765-0009 BRE#01102706 NMLS #297693 Brad L’Engle Senior Mortgage Consultant (916) 977-1291 BRE#01389930 NMLS #249309 Terry Moore Mortgage Consultant (916) 977-1287 BRE#01449526 NMLS #249305 Scott Filby Senior Loan Consultant (916) 732-4333 BRE#00908377 NMLS #312773 Paul Anderson Senior Loan Consultant (916) 486-6580 BRE#01168746 NMLS #297646 Brad Wiese Senior Mortgage Consultant (916) 977-1248 BRE#00305741 NMLS #305741 Steve Germoles Certified Mortgage Planner (916) 977-1232 BRE#00861155 NMLS #299002 Doug Hallstrom Certified Mortgage Planner (916) 977-1236 BRE#01013621 NMLS #296948 Geoff Black Senior Loan Consultant (916) 486-6558 BRE#01362321 NMLS #303376 Troy F. Bird Mortgage Consultant (916) 977-1234 BRE#01125227 NMLS #277770 Anthony Bartone Mortgage Planner (916) 977-1245 BRE#01386513 NMLS #297490 Jeannie Gardner Senior Loan Consultant (916) 705-9428 DBO, NMLS #281697 Thomas C. Putnam Production Manager (916) 367-7123 DBO, NMLS #634515 Mike Ferreira Branch Manager 916-367-7125 DBO, NMLS #448587 Jeff Tarbell Broker (916) 367-7148 BRE#01053700 NMLS #249176 Cara Mengali Davis Branch Manager (530) 753-8980 BRE#01355810NMLS #298113 Scott McLallen Senior Loan Consultant (530) 400-0670 BRE#01320106 NMLS #298107 Jeff Compton Senior Loan Consultant (916) 367-7135 BRE#01016005 NMLS #298897 John Foderaro Senior Mortgage Consultant (916) 295-5168 BRE#01370467 NMLS #305090 Ryan Van Perre Loan Consultant (916) 316-2923 CA DBO/ NMLS #6912661 Jennifer Gonzales Serior Mortgage Consultant (916) 486-6582 BRE#01219856 NMLS #305526 Valerie Dreher Senior Loan Consultant (916) 847-3278 BRE#01029416 NMLS #252974 Jon Kaempfer Mortgage Consultant (916) 216-5499 DBO, NMLS #275861 Roy Macy Mortgage Consultant (916) 977-1223 BRE#0114364 NMLS #249110 ROSEVILLE SACRAMENTO Dave Mendoza Sacramento Branch manager (916) 977-1227 BRE#01000837 NMLS #243859 Janet Rollofson Senior Mortgage Loan Consultant (916) 367-7110 CA DBO/NMLS #877238 Katie Simmons Loan Consultant (916) 752-7968 CA DBO/NMLS #287319 ELK GROVE NATOMAS DAVIS Linda Pera Senior Mortgage Loan Officer (916) 367-7136 CA DBO/NMLS #450246 Monty Maxwell Mortgage Loan Originator (916) 769-2383 BRE#01214591 NMLS #280914 Dan Tharp Senior Loan Consultant (916) 257-1470 BRE#01736464 NMLS #280913 Kris Karge Mortgage Loan Originator (916) 215-2419 DBO, NMLS #319429 Jim Hanson Elk Grove Branch Manager (916) 226-6866 BRE#01020858 NMLS #254554 GRASS VALLEY Vince Kaleel Natomas Branch Manager (916) 575-9740 DBO, NMLS #707755 ComstockMortgage.com SACRAMENTO NATOMAS John Voter Senior Loan Consultant 530-478-8383 BRE#01167492NMLS #230275 Jim Hanson Senior Loan Consultant 530-478-8383 BRE#01072266 NMLS #230270 Happy Holidays from all of us here at Comstock Mortgage! Find us on: BRE #01390474 NMLS #165193 Sacramento 1st Mortgage DBA Comstock Mortgage ROSEVILLE DAVIS ELK GROVE GRASS VALLEY 8 A bout the M arket REAL ESTATE FINANCE FORUM CHAIR Larry Challis “Seek Your Own Counsel” By Larry Challis, Cherry Creek Mortgage At the beginning of the year, each SAR REALTOR® contributing writer was asked to offer an educated guess as to what will happen in our corner of the 2013 real estate world. I predicted that the interest rates would stay close to where they were – around 4 percent. By the time that my projection was published, the rates had already moved up towards 5 percent! They headed south again during the year to an unprecedented low in the 3.25 percent range. We are currently almost exactly what I predicted at the beginning of the year. A great prediction…pure luck! This is the time of year when smart business people work on their business plans for the new year. We look to the experts in our respective industries to provide us with accurate predictions of what will happen in 2014; home sales, interest rates, employment levels. Can we depend on these predictions? Are any of the experts held accountable for the accuracy of their prognostications? Probably not. Here is a safe bet…some among us will be very successful in 2014. They will develop a business plan that include best practices for selling more “widgets” to wildly satisfied customers in their respective businesses. They may do some research while preparing their plans but the emphasis will be on identifying the most important actions needed to succeed and then they will just do it. My grandfather and father were both successful REALTORS®. Their mantra was “Seek your own counsel.” As a teenager, it was an admonition to me to avoid the pitfalls of peer pressure. As a business person it reminds me to trust my instincts, experience and ability to make good decisions. Good advice for all of us! A few predictions for what will happen in 2014 from the Mortgage Bankers Association: • National loan production in 2014 will drop almost 30% from the $1.74 trillion in 2013 to $1.2 trillion (Trillion with a “T”!) • Despite the drop in loan production, there is good news for REALTORS® because the purchase vs. refi loan ratio should grow to over 60% of the $1.2 trillion from the 40% share this year. A significant increase in home purchases is expected. • The MBA predicts that interest rates will remain artificially low as long as Quantitative Easing (“QE”) remains the policy. They believe that QE will continue throughout 2014. The Feds are buying $85 billion a month of mortgage backed securities to prop up the market. Enough prognosticating…I have thoroughly enjoyed my year as the Real Estate Financial Forum Chair and as a SAR Director. It has been a privilege and honor to work with the dedicated SAR staff, fellow Board of Director team and Finance committee members. I wish each of you a peaceful and joyous Holiday Season. Let’s make 2014 a prosperous New Year for everyone! (There will be no REFF meeting in January 2014 so our next meeting will be February 6, 2014 at 9 am at SAR. See you there!) 10 2 0 1 3 R e c ap Installation Chris Little was installed as 2013 SAR President, receiving the gavel from Immediate Past President Patrick Lieuw. Hundreds of friends, family and colleagues attended the installation breakfast to help celebrate the beginning of a memorable year with Chris’ theme “Building a Foundation for the Future” setting sights on future accomplishments. Now, at the end of the year, President Little can reflect on a job well done! CrabFest The CrabFest is one of SAR’s most popular events and it sells out every year. SAR Members invite their family and friends to an evening filled with tons of prizes, a silent auction, great music and dancing and a boatload of crab, of course. The Citrus Heights Community Center has proved a perfect venue for the 450+ attendees and a grand prize of $500 is a big draw. All said and done, this event raised $11,500 dollars for the SAR Charitable Foundation to benefit CanTree. SAR certainly appreciates the effort of CanTree Committee to plan and execute these excellent fundraisers. St. Patrick’s Day Scholarship Fundraiser St. Patrick’s Day Luncheon & Silent Auction Benefiting SAR Scholarship Program Hosted by Coldwell Banker - Sierra Oaks The St. Patrick’s Day Luncheon and Silent Auction was full of Celtic camaraderie as attendees gathered to enjoy traditional food and drink, a silent auction and great music. The event was graciously hosted by Coldwell Banker – Sierra Oaks. Thank you to Eric Rasmusson who helped draw top bids for the great donated prizes as auctioneer. This event proved a great success; over $4,700 was raised for SAR Scholarships – nearly double the amount at the event last year. MC Awards Luncheon The Masters Club represents SAR Members who are in the top tier of production. With the theme Salute to Your Success, the attendees enjoyed Tuscan-style décor and a professional photographer to capture the celebration of Masters Club Members’ achievements. This luncheon also wished 2012 MC President Erin Stumpf farewell, served as installation for the 2013 MC Steering Committee and welcomed 2013 Masters Club President Steve Galster aboard. May BBQ/YPN Following another great monthly Main Meeting, the SAR Young Professionals Network (YPN) hosted the 6th annual Vendor Faire and BBQ in the back parking lot of SAR. More than 50 vendors set up booths to showcase the finest in real estate products and services and hundreds more attended. All enjoyed a YPNprepared all-you-can-eat BBQ lunch and the sunshine as they browsed the vendor booths. After all was said and done, they raised over $5,500 for the SAR Scholarship Fund. What a great event for a great cause! 11 11 10 Scholarship Awards/June Main Meeting 2013 marked SAR’s 51st year of awarding scholarships to deserving Sacramento area students. The Scholarship Fund was initially a $600 yearly program that provided $100 to $200 scholarships for Sacramento students attending ARC, SCC and CSUS. This year, the SAR Scholarship Foundation raised $43,000 for 25 outstanding local students with awards ranging from $1,000 to $2,500. Keep this in mind for any college-bound students you may know. The Scholarship program supports students from Sacramento County pursuing real estate, business, and a variety of other fields at many different institutions across the U.S. Many of the students who have received SAR Scholarships are the children, nieces, nephews and relatives of SAR Members. Foundation Gala An elegant evening with champagne, tuxedoes and live music marked the introduction of the SAR Charitable Foundation to the greater Sacramento region. A number of political leaders, including city council members and legislators, joined the festivities while local entertainer Jack Gallagher added humor as Master of Ceremonies and Political Consultant Eric Rasmusson cajoled bids during the live auction. A heart-warming video reminded the audience of the Foundation’s purpose: supporting shelter, underserved groups and a healthy community. Special thanks goes to the hard-working volunteers who organized the event: Paula Swayne, committee chair; Samantha Cooper, Heather Pearce, Michelle Kaspari and Charlene Singley. Sip & Support The CanTree Committee officially kicked off CanTree season on August 9th with a “Cool August Nights” themed Sip and Support fundraiser. Attendees were greeted in the SAR parking lot by an array of Classic American cars built in the fifties – reminiscent of the old American Graffiti days. These year’s Sip and Support was successful as usual with attendees enjoying wine tasting, appetizers provided by local restaurants, dancing, silent auction and a raffle. This great event raised over $8,000 for the benefit of the Christmas CanTree. E-Waste/Shred Day/Scholarship Luncheon – sponsored by Team Vitek Mentioned above is the SAR Scholarship Fund and the monetary gifts it provides to the next generation of leaders, but not mentioned was where this funding comes from. SAR is personified by the many selfless Members who donate not only money, but also their time and skills towards the benefit of the SAR Scholarship Fund. This year Vitek Mortgage sponsored the entire event which once again featured a special e-waste pick up and shredding services where Members could bring their obsolete hardware and sensitive documents. SAR was paid by weight for the e-waste, with all proceeds benefitting scholarships. Also, in a tag team effort, there was a special fiesta luncheon, complete with carnitas, cerveza and all the fixings to make this day truly a success. Most importantly, the event raised $4,600 for the SAR Scholarship Fund. Thank you to Vitek Mortgage, the SAR Scholarship Trustees and all other volunteers! 12 2013 RECAP 11 Masters Club Golf Tournament Each year on the Columbus Day holiday, hundreds of SAR Members take over the links at the prestigious North Ridge Country Club in Fair Oaks and shotgun scramble their way through 18 holes for a day of great golf, plenty of prizes and reception in the evening. Sponsor companies at each hole provided golfers with snacks and kept their thirsts quenched with cold drinks. This year, the net proceeds of the Masters Club Golf Tournament raised $16,000 for The Sacramento Children’s Receiving Home and Women’s Empowerment. Sacramento Real Estate Connect The Sac RE Connect, a real estate review and forecast featured a jam-packed program and panel of local real estate experts giving the 400-plus audience members a whirlwind tour of the Sacramento region real estate economy. The overall message was that recovery is underway and the worst is behind us, but the region still has a long ways to go. You can look forward to another installment of this program for 2014. Young Professionals Network Gala The Young Professionals Network (YPN) presented their 5th annual gala. Themed “A Night among the Stars,” this red carpet event attracted nearly 200 attendees – all dressed “to the nines.” Music by DJ Rico Rivera kept the party jumpin’ well into the evening and tastings from local wineries loosened up the crowd enough to start a conga line! While the gala was certainly fun-filled, the proceeds generated from the event benefitted the Charitable Foundation and CanTree to the tune of nearly $5,500. Pam Poore Lifetime Service Award/Farewell While the Installation this year welcomed the new president, officers and directors, it also awarded another significant award. Long time REALTOR® Pam Poore was honored with the SAR Lifetime Service Award. A Member since 1978, Pam was best known for her dedication to the Christmas CanTree since its inception in 1982. From 32-foot tall “CanTrees” in the SAR parking lot to hand sewn aprons crafted as raffle prizes, Pam was more than a volunteer, she was the essence that is the SAR Christmas CanTree. 2013 certainly featured some great events and achievements for SAR and its Members, but it also marked a great loss. After a fight with cancer, Pam was laid to rest April 26th. Gone, but never forgotten, her legacy will live on. SAR’s most successful fundraising activity, CanTree has raised more than $2.7 million since 1982. Funds raised in this effort benefit the local chapter of the Salvation Army and help out needy Sacramentans during a crucial time of year – the holidays. These funds were made possible through the selfless efforts of countless volunteers like Pam who through the years have tirelessly donated their time and energy. Get a strong team to pull for you We are proud to be part of the community and invite you to discover how we may assist you with your mortgage needs. Contact your local home mortgage consultant today. Cap City Branch 591 Watt Ave. Sacramento, CA 95864 Eric Engstrom Branch Manager 916-480-2220 NMLSR ID 448098 Gloria Mirazo Gregor Sales Manager 916-287-3911 NMLSR ID 450704 Ben Ludington Sales Manager 916-365-2209 NMLSR ID 448441 John Akins 916-425-0376 NMLSR ID 228252 Joel Berliner 916-769-9370 NMLSR ID 881269 Hiroko Bowlin 916-524-4700 NMLSR ID 457660 Leopoldo del Cid 916-548-7904 NMLSR ID 450925 Ron Farrell 916-548-7462 NMLSR ID 448028 Gary Hansra 916-743-5626 NMLSR ID 280602 Nikki Jaeger 916-905-2679 NMLSR ID 1036248 Gary Juels 916-241-3108 NMLSR ID 648430 Michele Kesner 916-202-1495 NMLSR ID 459504 Karin Kwong 916-480-2224 NMLSR ID 448184 Anthony Nunez 916-849-7772 NMLSR ID 448065 Gene Oxley 916-601-4899 NMLSR ID 448046 Van Malyna Phan 916-799-1561 NMLSR ID 451113 Marv Poyser 916-485-5054 NMLSR ID 447897 Adam Schaefer 916-480-2215 NMLSR ID 448222 Nathan Sibbet 916-320-3952 NMLSR ID 450926 Nick Smith 916-780-2132 NMLSR ID 447979 Jacob Warren 916-234-0540 NMLSR ID 455242 This information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2013 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801 AS995532 Expires 11/2013 14 S A R E du c ational offerings DATE TIME CLASS COST TOPIC INSTRUCTOR January 14 8:00am – 12noon Essentials of Structural Pest Control for RE Professionals) $25 • Contrasts Termite Inspections with Home Inspections What’s included, what’s not, regulatory guidelines, etc • Covers the latest termite control regulations • How to interpret termite inspections reports • How to make the regulations work for you and your clients • Recognizing Red Flags • Certifications and Clear Reports • Reinspections and Structural Repairs David Lovenvirth, North American Home Services January 15 12noon – 1:30pm Clean Energy Sacramento – Lunch & Learn $15 Topics Include: • History of Property Assessed Clean Energy (PACE) and the funding model in general • Clean Energy Sacramento program specifically • Qualifications and underwriting for projects • Implementation measures and what qualifies • Program fees, permitting and resources available at the local Energy Center • Ygrene Referral Agent program John Kaufman, Regional Director Clean Energy Sacramento January 24 12noon – 1:30pm How to work with Builders – Lunch & Learn $15 Topics Include: • Learn how to become a New Home Sales Expert • Pick up tips on building relationships with On-Site Sales Staffs • Learn how to obtain Listing Referrals from Builders • Sharpen your knowledge and the dialogs you use with Buyers of new homes Bob Thomas KTB Property Management January 29 12noon – 1:30pm Mobile, Manufactured & Modular Homes – Lunch & Learn $15 Topics include: • Coming Soon Roland Benson is the Sales Manager for the iMortgage Roseville Branch Debbie Storey, REALTOR® - Lyon Real Estate All classes listed above are held at SAR's Mack Powell Auditorium. To register online, visit ims.sacrealtor.org. Questions - contact Brian DeLisi or call 916.437.1210. (Please contact us for non-Member pricing) Prices listed reflect early-bird fees. Cancellation policy: if you cannot attend a seminar for which you have registered, you may send a substitute. You will receive a full refund when cancelling 24 hours in advance. If you cancel less than 24 hours in advance, your registration fee will be forfeited *This course is approved for continuing education credit by the California Department of Real Estate. However, this approval does not constitute an endorsement of the views or opinions which are expressed by the course sponsor, instructor, authors or lecturers. You must attend 90% of the class, pass a written exam and have proof of identification to qualify for DRE Credits. All costs listed are based on early bird SAR Member fees. Get Direct Access to each local RealtoR® Ned Foley Craig Foley 800.628.6983 In 2014, let us help you improve your purchase sales ! foleypub.com 15 J anuary Calendar of E vents Monday Tuesday Wednesday Friday Thursday 1 7 Officer & Director Installation (EC) 12noon - 2:00pm 3 9 10 Real Estate Finance and Affiliate Forum (EC) 9:00 – 10:30am Office Closed for Holiday 6 2 8 New Member Orientation (B) 8:30am –12:30pm Computer Basics 101 (EC) 9:00am - 12noon Realtist (EC) 11:00am – 1:00pm Office Closed for Staff Development 7:30 – 8:30am Creating a Paperless Office (EC) 1:00 - 4:00pm 13 14 Structural Pest Control (EC) 8:00am – 12noon Regional Meetings* (B) 8:30 – 9:30am Office Closed for Staff 15 Development 1:00 – 2:00pm Clean Energy Sacramento Lunch and Learn (EC) 12noon – 1:30pm 17 16 WCR Breakfast (EC) 8:00am – 12noon Public Issues Forum (B) 9:30 – 10:30am New Member Orientation (B) 1:30 – 4:30pm 20 SAR Closed for the Holiday 21 NARPM (EC) 9:30am – 1:00pm Regional Meetings* (B) 8:30 – 9:30am 27 22 New Member Orientation (B) 6:00 – 9:00pm 28 Regional Meetings* (B) 8:30 – 9:30am 29 Modular Homes Lunch and Learn 12noon - 1:30pm Office Closed for Staff Development 1:00 – 2:00pm 24 23 How to Work with Builders Lunch & Learn (EC) 12noon - 1:30pm 30 31 Industry Update (B) 9:30 – 10:30am Calendar Information *For Regional Meeting locations and times, visit www.sarcaravans.org or contact Tony Vicari at [email protected] or 437-1205. (EC) Mack Powell Event Center (B) Board Room, 2nd Floor (T) Training Room, 2nd Floor (U) Upstairs Meetings subject to change. 16 SM A Cember R A M E NOTFO THHOE UMS O I NNGT HS TAT I S T I C S Market sales slowing, increased inventory, median sales price drops slightly There were 1,993 new listings brought onto the market in October. At the time of this report, 69 of the units had sold (closed), 705 units were currently pending, 1114 units were still active and 105 units were either taken off the market or expired. The Active Listing Inventory in Sacramento County increased to 2,659 units, 13.7% over the 2,338 units in September. Year-to-year, the current number is 93.2% over the 1,376 units of October 2012. The current number of listings is 170.2% above the all-time low (recorded by SAR) of 984 in January 2013. The months of inventory increased 11.8% to 1.9 months from September to October. Compared to a year ago, this number has increased 137.5% from the October 2012 number of .8 months. This number is the length of time (in months) that it would take to deplete the current inventory at the current sales rate. The month-to-month median sales price decreased .6% from $255,000 to $253,500. The current level is 34.1% above the $189,000 median sales price of October 2012. Sales volume decreased 1.4%, bringing the total number of closed escrows down from 1,405 to 1,386 sales this month. The breakdown of sales for September was 75 REOs (5.3% of all sales), 157 short sales (11.3%) and 1,155 conventional sales (83.3%). Compared to one year ago, REO (bank-owned) sales accounted for 11.6%, short sales 35.4% and conventional sales 53%. Since then REO sales have dropped 54%, short sales dropped 68% and conventional sales have increased 57.1%. Compared with October 2012, however, the total sales volume has decreased 19.7% from the 1,726 units sold. Homes priced between $200,000 and $299,999 accounted for 35.5% (493) of the 1,386 sales this month. Homes between $100,000 and $199,999 totaled 382 (27.5%) units and homes $99,999 and under totaled just 55 units (3.9%). Month-to-month, closed escrows from cash financing (359 units or 23.9% of all sales) decreased 1.2%, conventional buyers remained the same (694 units/46.1%) and FHA financing increased 3.5% (309 units/20.5%) sales. These numbers include the 118 condo sales this month. The average amount of days spent on the market (from list date to opening escrow) increased from 24 to 27 days; the median DOM increased to 16. In a breakdown of length of time on market, 71% (1,068 units) sold in 30 days or less. 17.7% (266 units) sold between 31 and 60 days. The remaining 12.2% (170 units) sold in 61 days or more. This data is available in full on the MLS Statistical Summary report featured at http://www.sacrealtor.org/public-affairs/ statistics.html. Condominium Resale Market Sacramento condominium sales increased for October to 118 units. This is up 7.3% from the 110 units sold in September and down 8.5% from the 129 units sold in October 2012. REO property sales accounted for just 2.5% (3) of all units sold, while short sales (11.9% or 14) and conventional sales (85.6% or 101) accounted for the remainder. The condominium median sales price decreased month-to-month, down 10.4 % from $130,000 to $116,500. This current price is 37.1% higher than the October 2012 ($85,000) median sales price. The Active Listing Inventory increased 12.3% month-to-month from 195 Active Condo Listings (includes 26 Active Short Sales) to 219 (includes 26 Active Short Sales). The Total Value of Closed Escrows was $16,685,926; this is down 5.6% from the September Total Value of $16,232,730. We make closings easier and new beginnings happier. As your mortgage partner, we’ll consistently deliver on-time closings, choices of solutions and guidance from our expert loan consultants, so you can help your clients go from home seekers to homeowners. We specialize in FHA & 203K, VA, HomePath®, Conventional and Jumbo loans. Give our Roseville team a call today, and we’ll help your clients find the right solution and help you secure more sales. Jeani Buckmaster Roland Benson Brad Bauer Branch Manager Sales Manager Loan Consultant NMLS ID 254991 NMLS ID 353144 NMLS ID 323859 Bruce Van Patten Daniel Huffman Jennifer Igou Loan Consultant Loan Consultant Loan Consultant NMLS ID 632096 NMLS ID 821086 NMLS ID 310965 Michael Johnson Nicole Nelson Patricia Pickering Loan Consultant Loan Consultant Loan Consultant NMLS ID 259850 NMLS ID 205863 NMLS ID 413969 Incredible employment opportunities available. Call today! imortgage 3013 Douglas Blvd., Suite 205, Roseville, CA 95661. 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All rights reserved. 11072013. 18 M L S S tatisti c s October 2013 MLS STATISTICS for October 2013 Data for Sacramento County and the City of West Sacramento SINGLE FAMILY HOME RESALES Monthly Statistics Current Month Last Month % of Total Sales Change % of Total Last Year % of Total Sales Sales Change Listings Published this Month 1,993 1,900 4.9% 1,786 11.6% Active Listing Inventory † 2,659 2,338 13.7% 1,376 93.2% 202 175 15.4% 170 707 729 -3.0% 2,232 -68.3% 1,079 924 16.8% 1,204 -10.4% Active Short Sale (included above) Pending Short Lender Approval Pending Sales This Month 5.3% 55 34.5% 3.9% 200 11.6% -63.0% 157 11.3% 74 170 -7.6% 12.1% 611 35.4% -74.3% Equity Sales** 1,155 83.3% 1,180 -2.1% 84.0% 915 53.0% 26.2% Total Number of Closed Escrows 1,386 100.0% 1,405 -1.4% 100.0% 1,726 100.0% -19.7% Number of REO Sales Number of Short Sales Months Inventory 1.9 Months Mo 1.9 1.7 Months 2 11.8% Months 0.8 Months 0.8 137.5% $379,293,530 $394,550,457 -3.9% $373,546,698 1.5% Median $253,500 $255,000 -0.6% $189,000 34.1% Mean $273,463 $281,019 -2.7% $217,052 26.0% 01/01/13 to 10/31/13 SAR monthly data, compiled 01/01/13 to 10/31/13 MetroList YTD data 1/1/2012 10/31/2012 Change 14,584 15,054 16,142 -9.7% $3,945,679,809 $3,178,367,597 20.7% $235,000 $262,102 $172,500 $198,573 36.2% 31.4% Dollar Value of Closed Escrows Year-to-Date Statistics Number of Closed Escrows $3,837,811,026 15970 Dollar Value of Closed Escrows $235,000 $260,987 $4,217,104,556 Median Mean ########## Sales Volume 2,000 1,800 1,600 1,400 1,573 1,711 1,615 1,614 1,531 1,704 1,668 1,200 1,289 1,000 1,816 1,633 1,733 1,640 1,726 1,725 1,520 1,501 1,482 1,394 1,420 1,550 1,672 1,522 1621 1641 1405 1386 1,178 1,189 800 600 400 200 0 July Aug. Sept. Oct. Nov. Dec. Jan. Feb. Mar. Apr. May June July Aug. Sept. Oct. Nov. Dec. Jan. Feb. Mar. 2012 Apr. May June July Aug. Sept. Oct. 2013 Median Sales Price Inventory Volume $300,000 4,500 4,000 $250,000 3,500 $200,000 3,000 2,500 $150,000 2,000 1,500 $100,000 1,000 $50,000 500 July Aug. Sept. Oct. Nov. Dec. Jan. Feb. Mar. Apr. May June July Aug. Sept. Oct. Nov. Dec. Jan. Feb. Mar. Apr. May June July Aug. Sept. Oct. 2012 $0 2013 July Aug. Sept. Oct. Nov. Dec. Jan. Feb. Mar. Apr. May June July Aug. Sept. Oct. Nov. Dec. Jan. Feb. Mar. Apr. May June July Aug. Sept. Oct. 0 $0 2012 2013 † includes: Active, Active Release Clause, Active Short Sale, Active Short Sale Contingent, Active Court Approval and Active Court Contingent listings ** Owner Equity Sales, previously identified as Conventional Sales, represents all sales other than short sales or lender owned properties. The name has been changed to avoid confusion with sales involving conventional financing for the new buyer Based on Multiple Listing Service data from MetroList. © 2013 SAR. Compiled monthly by Tony Vicari, Community Relations Manager, Sacramento Association of REALTORS® | www.sacrealtor.org | 916.437.1205 21 Data for Sacramento County and the City of West Sacramento MLS STATISTICS for October 2013 Data for Sacramento County and the City of West Sacramento BREAKDOWN OF SALES BY PRICE 1 House on Lot 233 Type of Financing/Days on Market TYPE OF FINANCING Total: 1,386 (1 House on Lot/Condo) FHA 21% 260 VA 5% Other † 4% Cas… 168 55 40 106 109 82 45 109 68 36 20 14 37 4 Conventional 46% Types of Financing Historical DAYS ON MARKET (% of Sales) Cash 50.0% Conventional FHA VA 91 ‐ 120 Days 3% Other (1 House on Lot/Condo) 121 ‐ 180 Days 1% 61 ‐ 90 Days 7% 45.0% 40.0% 181+ Days 0% 35.0% 30.0% 31 ‐ 60 Days 18% 25.0% 20.0% 15.0% 10.0% Jul‐13 Type of Financing Current Month Previous Month (SFR, condo, PUD only) Financing Method # of Units % of Total # of Units % of Total Cash 359 694 309 83 59 23.9% 23.6% 0 - 30 46.1% 31 - 60 19.8% 61 - 90 3.9% 358 698 300 62 96 1,504 100.0% 1,514 Conventional FHA VA Other † Total 46.1% 20.5% 5.5% LENGTH OF TIME ON MARKET (SFR & Condo) Days on Market 4.1% 91 - 120 6.3% 121 - 180 100.0% 181+ Total * half-plex, 2-on-1, mobile home † includes: cal vet, contract of sale, creative, farm home loan, owner financing. 0 ‐ 30 Days 71% Sep‐13 May‐13 Jan‐13 Mar‐13 Nov‐12 Jul‐12 Sep‐12 May‐12 Jan‐12 Mar‐12 Nov‐11 Jul‐11 Sep‐11 May‐11 Jan‐11 Mar‐11 Nov‐10 Jul‐10 Sep‐10 May‐10 Jan‐10 Mar‐10 Nov‐09 Jul‐09 Sep‐09 May‐09 Jan‐09 0.0% Mar‐09 5.0% # of Units Current Month % of Total Last 4 Months Last 12 Months 1,068 266 106 38 19 7 71.0% 76.5% 76.5% 17.7% 14.3% 12.6% 7.0% 5.1% 5.0% 2.5% 2.0% 2.5% 1.3% 1.4% 2.0% 0.5% 0.7% 1.5% 1,504 100.0% 100.0% 100.0% Median DOM: Average DOM: Average DOM 1 - 180 Days: Average DOM 181+ Days: 16 27 26 352 This representation is based in whole or in part on data supplied by MetroList. MetroList does not guarantee, nor is it in any way responsible for, its accuracy. Data maintained by MetroList does not reflect all real estate activity in the market. All information provided is deemed reliable, but it is not guaranteed and should be independently verified. For the most current statistical information, visit www.sacrealtor.org affairs / statistics. Based on Multiple Listing Service data from MetroList. © 2013 SAR. Compiled monthly by Tony Vicari, Community Relations Manager, Sacramento Association of REALTORS® | www.sacrealtor.org | 916.437.1205 / public Serving the Sacramento Region since 1979. Phil Adams, Senior Property Manager DRE#00829023 30 years with M&M Folsom, Granite Bay, Loomis, Orangevale Cell: 916-591-0124 [email protected] Mike Baumgartner DRE#01817169 2 years with M&M Elk Grove, Galt, Wilton Cell: 916-798-1118 [email protected] Ernest Alexander DRE#01447338 6 years with M&M Natomas 95833,95834,95835 916-717-0232 [email protected] Renee Cabral DRE#01720303 6 years with M&M Sac 95829,95828, Elk Grove 95624 Cell: 916-281-7771 [email protected] George Dahdouh DRE#01743736 5 years with M&M Sac 95832, Laguna 95757, 95758 Cell: 916-271-3804 [email protected] Cathy Galligan, Senior Property Manager DRE#01196197 20 years with M&M Carmichael, Citrus Heights, Fair Oaks Sacramento 95628, 95842 916-923-6181 ext.168 [email protected] Jim Hall DRE#01489815 6 years with M&M Sac 95822, 95823, 95832 Cell: 916-716-3660 [email protected] Eric Kramer DRE#01878520 2 years with M&M Antelope, Roseville, Rocklin, Lincoln Cell: 916-862-4181 [email protected] John Schenkenberger DRE#01481301 3 years with M&M Sacramento 95826, 95827, Rancho Cordova Cell: 916-708-2065 [email protected] Barbara Lemaster, Senior Property Manager DRE#00984714 20 years with M&M Apartments 16 units and greater Cell: 916-833-9252 [email protected] Jim Eitzen DRE#01879149 3 years with M&M Elk Grove and Laguna Cell: 916-730-7498 [email protected] Joe Caballero DRE#01870161 5 years with M&M Speaks Spanish Sacramento 95828, 95829, Elk Grove 95624 Cell: 916-628-5263 [email protected] Susie Caballero DRE#01744178 5 years with M&M Speaks Spanish Sacramento 95828, 95829, Elk Grove 95624 Cell: 916-213-8526 [email protected] Renea Negri DRE#01254133 6 years with M&M Rio Linda, Eleverta, North Highlands Sacramento 94842, Antelope Cell: 916-205-6415 [email protected] Wes Ritchie DRE#01724001 6 years with M&M Sacramento 95815, 95821, 95825, 95841 Cell: 916-730-4533 [email protected] Cathy Stratton, Senior Property Manager DRE#00755858 25 years with M&M Citrus Heights, Orangevale, Fair Oaks, 916-923-6181 ext. 120 [email protected] Penny Jarrett DRE#00899113 6 years with M&M Carmichael, Sacramento 95864, 95825 Cell: 916-709-5930 [email protected] Jan Windsor, Senior Property Manager DRE#00904367 26 years with M&M Carmichael, Fair Oaks, Sacramento 95864, 95825 Cell: 916-320-8408 [email protected] Geri Wells DRE#00712747 6 years with M&M Fair Oaks, Orangevale, Folsom Cell: 916-849-5541 [email protected] Our sister management company, Association Management Concepts (AMC),1401 El Camino, Ste. 200, Sac Ca 95815, 916-565-8080. Specializes in managing homeowner associations throughout the Sacramento Region. Established in 1985. Brad Higgins, is the president. Feel free to contact him regarding any issues about HOAs.(managing homeowner associations does not require a real estate license) Brad Higgins, President Since 1990 Folsom, El Dorado County Cell: 916-3337-5893 [email protected] Scott Bland 7 years with AMC Handles Sacramento Association South of HWY 80 to Elk Grove 916-565-8080 ext.322 Barbara Lemaster 20 years with AMC North East of Sacramento, Placer County 916-565-8080 ext.128 Phillip Sparks DRE#01125907 7 years with M&M Laguna, Elk Grove, Sacramento 95823 cell 916-752-2086 [email protected] Steve Raya 9 years with AMC Sacramento, South East and Downtown 916-565-8080 ext.318 Jeff Huang DRE#01882324 Speaks Chinese Folsom, El Dorado Hills, Granite Bay, Cameron Park Cell: 510-461-7283 [email protected] Chris Peters 4 years with AMC Yolo County and Sacramento 916-565-8080 ext.306 Accounting Department: Mary Cullen, Gretchen Burrill & Linda Nalbandian Administrative Support: Cecia Dailey Maintenance Division: Rolando Cuevas Teri Chikami DRE#01296754 Sacramento 95814, 95816, 95819 95822, West Sacramento 95831 Cell: 916-949-5171 [email protected] Receptionist for M&M and AMC Olivia G. Customer services: Leslie Chapman, Free Nuts & Bolts Property Management Class for all of your clients! Learn from 32 years of experience to reduce stress and keep a consistent cash flow. 2nd Tuesday of every month, but June 2012, at 5pm. Word is getting around about M&M Properties! “Your good services have bolstered me into purchasing another property in Sacramento!” “Absolutely a five star rating! I’m impressed with your professionalism and promptness! When problems happen, I know that you will handle them in a timely fashion with knowledge based solutions. I totally trust all aspects of your management.” CALL 916-923-6181, ext. 110 TO RSVP ®! REALTrOesRiduSal income! Let our qualified property managers make your life simpler and more cost effective! Contact the Property Manager who lives closest today! www.mmproperties.com 916-923-6183 1401 El Camino Ave., Ste. 200 Sacramento, CA 95815 ate Want to cre ht of a career in Ever thoug nagement? a property m all! Give me a c BRUCE MILLS DRE# 01100901 Work: 916-923-6183 ext. 110 Cell: 916-548-7712 [email protected] www.mmproperties.com MASTERS CLUB CORNER A Year in Masters Club 2013 has been a great year to be a part of Masters Club. Highlights include: • Members only 25% discount off many educational opportunities • Education Roundtable, open to all SAR members, which featured area experts discussing HOT topics in today’s market • Two fabulous mixers catered by Formoli’s, with local wineries and music by Petra. Spring Mixer was hosted by Sheila Van Noy, where guests enjoyed the exquisite historic Didion Mansion and a Fall Mixer hosted by Kelley Waters, where guests filled the Weinstocks’ summer home and grounds on the American River • Awards Luncheon, installing President Steve Galster and the Steering Committee, and recognizing New, Continuing, Life and Outstanding Life members 2 0 1 3 • A sold-out Annual Charity Golf Tournament and Awards Dinner • Charity Awards Breakfast where we featured Sheriff/radio personality John McGinness, and presented checks from our golf tournament proceeds to Women’s Empowerment and The Sacramento Children’s Receiving Home • 4 organized volunteer visits to Loaves and Fishes which happens on any month with a 5th Monday • Supporting the Charitable Foundation and the Scholarship Trust All in all, your membership benefits include: continuing education at a discount, “members and their guests only” mixers to visit with your peers in some of Sacramento’s finest homes, events where you receive recognition for your hard work, teaming up with your peers to give back to the community and the proud ability to market yourselves as holding a designation that proves your success as a Masters Club member. Masters Club applications are now being accepted. Complete your application today and start enjoying Masters Club member benefits! “Divorce Done Differently” Family Law Center 1722 Professional Dr. Sacramento, CA 95825 www.FamilyLawCenter.US Call for a Free Brochure 916 488-5088 Carol Delzer President, Senior Mediator Collaborative Attorney Family Law Certified Specialist Licensed MFT #32661 Mark Johannessen Attorney - Mediator Collaborative Attorney Family Law Certified Specialist J.D., C.P.A. (inactive), M.B.A. Patricia Clark Attorney - Mediator Collaborative Attorney Divorce Mediation • Collaborative Practice Divorce Representation • • • • Divorce Child Custody/Paternity Child/Spousal Support Property Division • • • • LGBT Services Business Valuation Retirement Division Legal Separation 21 22 YOUNG PROFESSIONALS NE T WORK A Night Among the Stars The Young Professional’s Network’s Annual Gala was a smashing success! Our red carpet guests had a glamorous night, between bidding on the VIP lounge, to awaiting the hourly prizes: iPad Mini, $400 Nordstrom’s Gift Card, $400 Restaurant Gift Cards, and Samsung Tablet! Guests had the opportunity partake in wine and hors d’oeuvres tasting, as well as a special tasting appearance by Tahoe Blue Spirits. A big thanks to our gold sponsors: First American Property & Casualty Insurance, Comstock Mortgage, Socotra Capital, and Exquisite Entertainment MC & DJ Services. The Gala was a triumphant event, ending with $4.400 in donations to CanTree. YPN appreciates your support this year, and would love to have you join us on facebook. www.facebook.com/SARYPN. Young Professionals Network Advisory Committee If you’ve attended a few SAR events, there is no doubt that at least one of them was put on by the Young Professionals Network Advisory Committee. This year the group changed their name from Young Professionals Council to Young Professionals Network (YPN) to be in line with the national group. From the Spring Vendor Faire to the recent YPN Gala, this group has been instrumental in creating fun events for Members to enjoy as well as raising funds for worthy causes. Led this year by Chair Kyle Finley, the group has made a positive impact, focusing on fundraising events for charitable organizations and their monthly YPN mixers to bring area REALTORS® together in a fun and professional setting. Although “young” is the name, there is no age limit to join this committee (though being “young at heart” is a definite plus). Through teamwork and determination, this group has raised nearly $10,000 with their Spring Vendor Faire and 5th Annual YPN Gala alone. 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297718 NMLS #NMLS 274488 #Published: 274488 NMLS #Published: 297718 NMLSKevin # 274488 Published: Both Published: Published: Both Both 916-774-3952 916-563-1028 916-337-2159 916-563-17 Both Published: Both Lynn Lynn Pini Lynn Pini PiniBoth 916-563-1028 Kevin Nunn Kevin NunnNunn Michael Michael Bettencourt Adam Cone Adam ConeCone Dan Dan Starelli Starelli / ARMS1 Jeff Jeff Stevens Stevens ® Michael 4 Bettencourt Adam NMLS # 297718 NMLS 274488 916-774-3952 916-337-2159 916-563-1758 916-774-3952 916-337-2159 916-563-1758 Lynn PiniBettencourt Kevin Lynn Pini Kevin NunnNunn M Fixed-Rate State Bond HomePath Mortgage Starelli Stevens DanDan Starelli DanPrograms Starelli JeffJeff Stevens Jeff# Jeff Stevens Dan Starelli2 916-563-1028 Stevens 916-803-8623 916-803-8623 916-563-1006 916-563-1006 AVP/Sales AVP/Sales Manager AVP/Sales Manager Manager Construction Construction Construction Sales Sales Mgr Sales Mgr Dan Mgr Starelli Mortgage Mortgage Loan Mortgage Officer Loan Loan Officer Officer Jeff Mortgage Mortgage Loan Mortgage Officer Loan Loan Officer Officer 916-803-8623 916-563-1006 Stevens SVP/Regional SVP/Regional Manager Manager AVP/Sales AVP/Sales Manager Manager Dan Starelli Jeff AVP/Sales Manager Construction Sales Mgr AVP/Sales Manager Construction Sales MgrStevens M SVP/Regional Manager AVP/Sales Manager SVP/Regional SVP/Regional Manager Manager AVP/Sales AVP/Sales Manager Manager SVP/Regional Manager AVP/Sales Manager 916-803-8623 916-563-1006 First-Time Homebuyer Programs Manufactured Home Programs FHA 203(k) / Streamlined 203(k) Dan Starelli Jeff Stevens Dan Dan Starelli Starelli Dan Starelli Jeff Jeff Stevens Stevens Jeff Stevens Dan Starelli # 500711 NMLS # 500711 # 500711 NMLSNMLS # 305826 NMLS # 305826 # 305826 NMLS NMLS # 238181 NMLS # 238181 # 238181 Jeff Stevens NMLS NMLS #Stevens 1023160 NMLS # 1023160 # 1023160 NMLS NMLS # 297718 # 297718 NMLS NMLS # 274488 # 274488 NMLSNMLS Dan Starelli Jeff Manager AVP/Sales NMLS #SVP/Regional 500711 NMLS #Manager 305826 NMLS # 500711 NMLS # 305826 NMLS # 297718 NMLS #SVP/Regional 274488 NMLS # 297718 NMLS # 297718 NMLS # 274488 NMLS # 274488 NMLS # 297718 NMLS #SVP/Regional 274488 Manager AVP/Sales Manager N 1 5 AVP/Sales Manager AVP/Sales Manager SVP/Regional SVP/Regional SVP/Regional Manager Manager Manager AVP/Sales AVP/Sales Manager Manager Manager Residential Custom Construction Jumbo / Portfolio Loans HomeStyle Renovation Mortgage SVP/Regional Manager AVP/Sales Manager 916-774-3952 916-774-3952 916-563-1028 916-563-1028 916-563-1028 916-337-2159 916-337-2159 916-337-2159 916-563-1758 916-563-1758 916-563-1758 916-803-8623 916-803-8623 916-563-1006 916-563-1006916-774-3952 SVP/Regional Manager AVP/Sales Manager Dan Starelli Dan Starelli Loan Programs: 916-803-8623 916-803-8623 916-803-8623 916-803-8623 NMLS916-774-3952 # 297718 NMLS 274488 297718 NMLS # 274488 916-774-3952 916-563-1028 916-563-1028 9 NMLS916-563-1006 # 297718 NMLS # 274488NMLS 916-563-1006 916-563-1006 916-563-1006 NMLS NMLS # 297718 NMLS #NMLS 297718 # #297718 NMLS # #274488 NMLS # 274488 # 274488 NMLS # 297718 # NMLS 274488 NMLS # 297718 NMLS # 274488 916-803-8623 916-563-1006 916-803-8623 916-563-1006 916-803-8623 916-563-1006 916-803-8623 916-803-8623 916-803-8623 916-563-1006 916-563-1006 916-563-1006 916-803-8623 916-563-1006 Contact your friendly, local Sacramento Area Home Lender today. 916-803-8623 916-563-1006 a Michael Michael Bettencourt Bettencourt AdamAdam Cone Cone Victor Day Victor Day Victor Day Pat Driver Pat Driver Pat Driver Ellis StephenStephen Ellis Stephen Ellis Vicki Fenner Vicki Fenner Vicki Fenner Nunn Michael Bettencourt Adam Cone Mortgage Mortgage LoanKevin Officer Loan Officer Mortgage Mortgage LoanCone Officer Loan OfficerMichael Mortgage Loan OfficerMortgage Mortgage Loan OfficerMortgage Loan Officer Mortgage Loan Officer Mortgage Loan Michael Michael Bettencourt Bettencourt Adam Adam Cone KevinKevin Nunn Bettencourt Adam Cone Mortgage Loan Officer Loan Officer Mortgage Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage LoanEllis Officer Loan Officer Lynn Pini Kevin Nunn Michael Bettencourt Adam Cone Lynn PiniLynn Pini Nunn Kevin Nunn Michael Michael Bettencourt Bettencourt Adam Cone Adam ConeCone Stephen Lynn Pini Michael Bettencourt Adam Victor Victor Day Victor Day Day Pat Driver Pat Driver Pat Driver Stephen Stephen Ellis Ellis Vicki Vicki Fenner Vicki Fenner Fenner NMLSMortgage #NMLS 238181 #Construction 238181 #Kevin NMLS 1023160 #Nunn 1023160 NMLS # 857456 NMLS # 234001 NMLS # 1040208 NMLS # 501200 Sales MgrNMLS Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Loan Officer Officer Mortgage Mortgage Loan Loan Officer Officer Victor Day # 1040208 Pat Driver Victor PatNMLS Driver S NMLS # Sales 857456 234001 NMLS #Day 1040208 # 501200 NMLS 857456 NMLS #Mortgage 234001 NMLS NMLS # 501200 Manager Construction Sales Mgr Loan Officer Mortgage Loan AVP/Sales Manager Construction Sales Mgr Mortgage Loan Officer Loan Officer AVP/Sales AVP/Sales Manager Manager Construction Construction Sales Mgr Sales Mgr Mortgage Loan Mortgage Officer LoanNMLS Officer Mortgage Loan Mortgage Officer LoanOfficer Officer AVP/Sales Manager Construction Mgr# Mortgage Mortgage Loan #Officer Mortgage Loan Officer Dan Starelli Jeff Stevens Kevin Nunn Michael Bettencourt Adam Cone Lynn Lynn Lynn Pini Pini Kevin Kevin Nunn Kevin Nunn Michael Michael Michael Bettencourt Bettencourt Bettencourt Adam Adam Cone Adam Cone Cone DanLynn Starelli Jeff Stevens Mortgage Mortgage Loan Mortgage Officer Loan Loan Officer Officer Mortgage Mortgage Loan Mortgage Officer Loan Loan Officer Officer Mortgage Mortgage Loan Mortgage Officer Loan Loan Officer Officer Mortgage Mortgage Loan Mortgage Officer Loan Loan Officer Officer NMLS NMLS # 238181 # 238181 NMLS NMLS #Pini 1023160 # 1023160 NMLS # 305826 NMLS #Pini 238181 NMLS #Nunn 1023160 Pini Kevin Nunn Michael Bettencourt Adam Cone 916-337-2159 916-337-2159 916-563-1758 916-984-2489 916-563-1758 916-563-1756 916-517-53 Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer M # 500711 NMLS # 305826 NMLS # 238181 NMLS #Mortgage 1023160 NMLS # 500711 NMLS # 500711 #916-563-1758 305826 NMLS # 305826 NMLS ##238181 NMLS # 238181 NMLS # 1023160 NMLS # 1023160 NMLS # 500711 NMLS #Lynn 305826 NMLS #Sales 238181 # 1023160 711NMLS NMLS NMLS # 305826 NMLS 238181 # NMLS 1023160 916-984-2489 916-563-1758 916-563-1756 916-517-5308 SVP/Regional Manager AVP/Sales Manager AVP/Sales Manager Construction MgrNMLS Loan Officer Mortgage Loan Officer NMLS NMLS #Manager 857456 NMLS # 857456 # 857456 NMLS # 234001 NMLS #NMLS 234001 # Sales 234001 NMLS NMLS #916-563-1756 1040208 NMLS # 1040208 # 1040208 NMLS NMLS # 501200 NMLS # 501200 # 501200 AVP/Sales AVP/Sales AVP/Sales Manager Manager Construction Construction Construction Sales Sales Mgr Mgr Mgr Mortgage Mortgage Loan Mortgage Loan Officer Officer Loan Officer Mortgage Mortgage Loan Mortgage Loan Officer Officer Loan Officer SVP/Regional Manager AVP/Sales Manager 916-984-2489 916-563-1758 916-517-5308 Dan Starelli Jeff Stevens Lynn Pini Kevin Nunn Michael Bettencourt Adam Cone AVP/Sales Manager Construction Sales Mgr Mortgage Loan Officer Mortgage Loan Officer NMLS # 857456 NMLS # 234001 916-337-2159 916-337-2159 916-563-1758 916-563-1758 NMLS # 857456 NMLS # 234001 N Dan Starelli Jeff Stevens 916-563-1028 916-337-2159 916-563-1758 Lynn Pini Kevin Nunn Michael Bettencourt Adam Cone NMLS # 297718 NMLS # 274488 NMLS # 500711 NMLS # 305826 NMLS # 238181 NMLS # 1023160 916-774-3952 916-563-1028 916-337-2159 916-563-1758 916-774-3952 916-774-3952 916-563-1028 916-563-1028 916-337-2159 916-337-2159 916-563-1758 916-563-1758 NMLS NMLS # 500711 NMLS # 500711 # 500711 NMLS NMLS # 305826 NMLS # 305826 # 305826 NMLS NMLS # 238181 NMLS # 238181 # 238181 NMLS NMLS # 1023160 NMLS # 1023160 # 1023160 916-774-3952 916-563-1028 916-337-2159 916-563-1758 NMLS # 297718 NMLS # 274488 Lynn Pini Kevin916-563-1758 Nunn Michael Bettencourt Adam Cone -3952 916-563-1028 916-337-2159 916-563-1758 916-984-2489 916-984-2489 916-984-2489 916-563-1758 916-563-1758 916-563-1756 916-563-1756 916-563-1756 916-517-5308 916-517-5308 NMLS AVP/Sales # 500711 NMLS #916-517-5308 1023160 SVP/Regional Manager AVP/Sales ManagerNMLS # 305826 Manager Construction Sales Mgr NMLS # 238181 Mortgage Loan Officer Mortgage Loan Officer 916-984-2489 916-563-1758 916-984-2489 916-563-1758 SVP/Regional Manager AVP/Sales Manager AVP/Sales Manager Construction Sales Mgr Mortgage Loan916-337-2159 Officer Mortgage LoanLoan Officer AVP/Sales Manager Construction Sales Mgr916-337-2159 Mortgage Loan Officer Mortgage Officer 916-803-8623 916-563-1006 916-774-3952 916-563-1758916-563-1758 916-563-1028 916-563-1758 916-774-3952 916-774-3952 916-774-3952 916-563-1028 916-563-1028 916-337-2159 916-337-2159 916-563-1758 916-563-1006 NMLS916-803-8623 # 297718 NMLS #916-563-1028 274488 916-563-1028 916-774-3952 916-337-2159 916-563-1758 NMLS # 500711 NMLS # 305826 NMLS # 238181 NMLS # 1023160 NMLS # 297718 NMLS # 274488 NMLS # 500711 NMLS # NMLS 305826 NMLS NMLS # 238181 NMLS # 1023160 NMLS # 500711 # 305826 # 238181 NMLS # 1023160 916-803-8623 916-803-8623 916-563-1006 916-774-3952 916-563-1028 916-563-1006 916-774-3952 916-563-1028 916-774-3952 916-563-1028 John Haydock Frank Huck 916-337-2159 916-337-2159 916-337-2159 9 916-563-1758 916-563-1758 916-563-1758 David Osborn Tom Pifer John Haydock Frank Huck David Osborn TomTom Pifer Stephen Stephen Ellis Ellis Vicki Vicki Fenner Fenner JohnHaydock John Haydock John Haydock Haydock Frank Huck Frank Huck Huck David David Osborn David Osborn Osborn Tom Pifer Tom PiferPifer John Frank Huck David Osborn Tom Pifer Stephen Stephen Ellis Ellis Vicki Fenner Vicki Fenner Victor Day Driver Stephen Vicki Fenner Haydock Frank Victor Day Victor Day Day PatPat Driver Pat Adam Driver Stephen Stephen EllisEllis Ellis EllisFrank Vicki Fenner Vicki Fenner JohnJohn Haydock Frank HuckHuck Victor Pat Driver Stephen Vicki Fenner Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage LoanD Michael Bettencourt Cone Kevin Nunn Michael Bettencourt Adam Mortgage Loan Officer Mortgage Loan Officer Loan Officer Mortgage LoanOfficer Officer Mortgage Mortgage Loan Loan Officer Officer Mortgage Mortgage Loan Loan Officer Officer Mortgage Mortgage Loan Mortgage Officer LoanCone Loan Officer Officer Mortgage Mortgage Loan Mortgage Officer LoanOfficer Loan Officer Officer Mortgage Mortgage Mortgage Loan Mortgage Officer Loan Loan Officer Officer Mortgage Mortgage Loan Mortgage Loan Loan Officer Mortgage Loan Officer Mortgage Loan Mortgage Loan Officer Mortgage LoanOfficer Officer M Mortgage Mortgage Loan Officer Loan Officer Mortgage Mortgage Loan Officer Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Mortgage Officer Loan Officer Mortgage Loan Mortgage Officer Loan Officer Mortgage Loan Mortgage Officer Loan Officer Mortgage Loan Mortgage Officer Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Victor Day Pat Driver Stephen Ellis Vicki Fenner Victor Victor Day Victor Day Day Pat Pat Driver Driver Pat Driver Stephen Stephen Stephen Ellis Ellis Ellis Vicki Vicki Fenner Vicki Fenner Fenner NMLS # 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238181 916-563-1758 # 1023160 Mortgage Loan Officer Pat Driver Mortgage Loan Officer Stephen Mortgage Loan Officer -2489 916-563-1756 916-517-5308 Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer 6-563-1028 916-337-2159 916-563-1758 Mortgage Loan Officer Mortgage Loan#Officer Mortgage Loan Officer# 1040208 Mortgage Officer NMLS # 234001 NMLS NMLS # 501200 916-337-2159 916-563-1758 NMLS # NMLS 857456# 857456 NMLS 234001 NMLS # 1040208 NMLSLoan # 501200 NMLS # 857456 916-984-2489 916-984-2489 916-984-2489 NMLS # 234001 916-563-1758 916-563-1758 916-563-1758 NMLS # 1040208 916-563-1756 916-563-1756 916-563-1756 NMLS # 501200 916-517-5308 916-517-5308 916-517-5308 David David Osborn Osborn Tom Tom Pifer Pifer Renee Russell Renee Russell Russell Dennis Dennis Shimosaka Dennis Shimosaka Shimosaka Teresa Teresa Taresh Teresa Taresh Taresh John Haydock Frank Huck David Osborn Tom Pifer Renee Russell Dennis Shimosaka John Haydock John Haydock Frank Huck Frank HuckHuck Renee David Osborn David Osborn Tom Pifer Tom PiferPifer Renee Russell Dennis Shimosaka John Haydock Frank David Osborn Tom Mortgage Mortgage LoanLoan Officer Officer Mortgage Mortgage LoanLoan Officer Officer Mortgage Mortgage Loan Mortgage Officer Loan Loan Officer Officer Mortgage Mortgage Loan Mortgage Officer Loan Loan Officer Officer Teresa Mortgage Mortgage Loan Mortgage Officer Loan Loan Officer Officer Renee Russell Dennis Shimosaka Teresa Taresh Renee Russell Dennis Shimosaka Taresh Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Mortgage Loan Mortgage Officer Loan Officer Mortgage Loan Mortgage Officer Loan Officer Mortgage Loan Mortgage Officer Loan Officer Mortgage Loan Mortgage Officer Loan Officer Mortgage Loan Officer Mortgage Loan David David Osborn Osborn Tom Pifer Tom Pifer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Stephen Ellis Vicki Fenner Pat Driver Stephen Ellis Vicki Renee Russell Dennis Taresh John Frank Huck Frank David Osborn David Tom Pifer John Frank David Osborn Tom PiferOfficer John Haydock John Huck Frank Huck Osborn David Tom Pifer Tom PiferOfficer NMLS NMLS # 708652 # 708652 NMLS NMLS #Haydock 500655 # 500655 NMLS NMLS #Haydock 217012 NMLS #Haydock 217012 #Fenner 217012 NMLS NMLS # Huck 247791 NMLS #Shimosaka 247791 # 247791 NMLS NMLS #Teresa 303463 NMLS # Osborn 303463 # 303463 Mortgage Mortgage Mortgage Loan Officer NMLS # 963339 NMLS # 459457 NMLS #Loan 708652 NMLS #Mortgage 500655 NMLS #Loan 217012 NMLS # 247791 NMLS # 963339 NMLS # 963339 #Mortgage 459457 NMLS # 459457 NMLS # 708652 NMLS #Officer 708652 NMLS # 500655 NMLS #Loan 500655 NMLS # 217012 NMLS # 247791 NMLS # 963339 NMLS #John 459457 NMLS #Frank 708652 NMLS #Officer 500655 Haydock Huck David Osborn Tom Pifer Mortgage Loan Officer Mortgage Loan Officer Mortgage Officer Mortgage LoanOfficer Officer NMLS Mortgage Loan Officer Mortgage Mortgage Loan Officer Loan Mortgage Loan Officer Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Loan Officer Mortgage Loan Officer Mortgage Mortgage Loan Mortgage Loan Officer Officer Loan Officer Mortgage Mortgage Loan Mortgage Loan Officer Officer Loan Officer Mortgage Mortgage Loan Mortgage Loan Officer Officer Loan Officer Mortgage Mortgage Loan Mortgage Loan Officer Officer Loan Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer 916-747-7027 916-300-0769 916-300-0769 916-747-7027 916-774-3922 916-774-3922 916-774-3922 916-915-7955 916-915-7955 916-915-7955 916-939-3002 916-939-3002 916-939-3002 NMLS # NMLS 217012 NMLS # 247791 NMLS# #500655 303463 NMLS # 1040208 # #Mortgage 501200 NMLS530-332-2913 #NMLS 234001 NMLS # 1040208 NMLS # 501200 NMLS #NMLS 217012 NMLS #NMLS 247791 NMLS 303463 Loan Mortgage Loan Officer Mortgage Loan Officer Mortgage NMLS #500655 963339 # 459457 NMLS # 708652 NMLS 530-332-2913 916-677-0619 916-747-7027 916-774-3922 916-915-7955 530-332-2913 916-677-0619 916-300-0769 916-677-0619 916-747-7027 916-300-0769 916-774-3922 916-915-7955 NMLS # 963339 NMLS #916-747-7027 963339 # 963339 NMLS #NMLS 459457 NMLS # 459457 # 459457 NMLS NMLS ##708652 NMLS #NMLS 708652 # #708652 NMLS NMLS #Loan 500655 NMLS #Officer 500655 # 500655 NMLS 708652 530-332-2913 # 708652 NMLS #NMLS 916-677-0619 NMLS 500655 916-747-7027 916-300-0769 NMLS #Officer 217012 #916-300-0769 247791 303463 NMLSDavid # 963339 NMLS # 459457 NMLS # 708652 NMLS # 500655 Frank Huck Osborn Tom916-677-0619 Pifer 916-774-3922 916-915-7955 916-939-3002 916-563-1756 916-517-5308 916-563-1758 916-563-1756 916-517-5308 530-332-2913 916-677-0619 916-300-0769 530-332-2913 916-747-7027 916-300-0769 530-332-2913 916-677-0619 916-747-7027 916-300-0769 530-332-2913 916-677-0619 916-747-7027 916-300-0769 916-774-3922 916-915-7955 916-939-3002 916-747-7027 916-747-7027 916-300-0769 916-300-0769 dock FrankStephen Huck David Osborn Tom916-747-7027 Pifer 916-774-3922 916-915-7955 916-939-3002 Driver Ellis 530-332-2913 Vicki Fenner 916-677-0619 916-747-7027 916-300-0769 Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer T M N 9 Stephen Ellis Mortgage Vickiwww.umpquabank.com Fenner Mortgage an Officer Loan Loan Officer Mortgage Loan Officer gage Loan Officer Mortgage Officer MortgageLoan LoanOfficer Officer 1-866-4UMPQUA Member Equal Housing Lender NMLS # 459457(1-866-486-7786) NMLS # 500655 John# 708652 Haydock Frank Huck David Osborn Tom Pifer John NMLS Haydock FrankFDIC Huck David Osborn Tom Pifer 339 NMLS NMLS # 459457 NMLS # #708652 NMLS # 500655 Loan Officer Mortgage Loan Officer S # 234001 1Mortgage # 1040208 NMLS 501200 2 Annual916-677-0619 Percentage Rate (APR) for variable rate products mayOfficer increase after consummation. Loan programs subject to agency funding and availability. Borrower income Mortgage limits mayMortgage apply.Officer Mortgage Loan Officer Mortgage Loan Officer Mortgage Loan Officer Loan Officer Mortgage Loan Mortgage Loan Officer Mortgage Loan Officer Loan 916-747-7027 916-300-0769 John Haydock Frank Huck David Osborn Tom Pifer # 1040208 NMLS # 501200 4 5 -2913 3NMLS 916-677-0619 916-747-7027 916-300-0769 Investment loan programs have certain qualifying Consult your loan officerNMLS listed#above program details. HomePath is a# registered Fannie Mae. 6-563-1758 916-563-1756 916-517-5308 NMLSfor# complete 459457 NMLS 708652 trademark ofNMLS NMLSHomeStyle # 500655 NMLS restrictions. # NMLS 963339# 963339 459457 NMLS # 708652 # 500655 Mortgage LoanaOfficer Mortgage Loan OfficerLoan products subject Mortgage Loan Officer Mortgage Loan Officer is916-563-1756 a registered trademark of Fannie Mae. 916-517-5308 Consult tax advisor regarding the deductibility of interest. to credit approval. Other terms, conditions, restrictions & fees may 530-332-2913 916-677-0619 916-747-7027 916-300-0769 530-332-2913 916-747-7027 916-300-0769 apply. Full documentation, title & NMLS property# insurance required. Flood insuranceNMLS required if property is located in a Special Flood Area. NMLS # 401867 963339 # 916-677-0619 459457 NMLSHazard # 708652 NMLS # 500655 24 GO V E RcNsMCorner E N T W AT C H E thi Levee Protection Coming for Sacramento In late October the U.S. House of Representatives passed the Water Resources Reform and Development Act (WRRDA). Local Congresswoman Doris Matsui was very influential in getting the bill through, which if signed by President Obama, will have a positive impact on the Sacramento Region. WRRDA authorizes flood protection projects across the nation. At Congresswoman Matsui’s urging, it includes several of the Sacramento region’s primary flood protection priorities. Once completed these levee improvements will help protect Sacramento from a catastrophic flood. The flood protection this legislation authorizes protects over 100,000 residents in the Natomas area, as well as billions of dollars in property and infrastructure. This will restore the 100-year flood protection to Natomas, and eventually achieve 200-year flood protection. This is also significant because once Natomas’ flood protection is increased, the building moratorium in the area will be lifted. The Sacramento Area Flood Control Agency completed eighteen miles of levee improvements in December 2012 at a cost of $410 million. The levee improvements were effectively stalled after that due to the lack of WRRDA legislation, frustrating all Sacramento officials as the Natomas area languished under the building moratorium created by federal flood insurance mandates. WRRDA also includes language to provide flexibility in the Army Corps of Engineers policy on vegetation on levees because of Congresswoman Matsui’s work. The Corps ruled out a few years ago that there should not be any vegetation on levees. This was a particular issue in the Sacramento region where many levees are covered in vegetation, including trees. 25 AGENTS WELCOME At All Lewis Apartment Communities 6 Luxurious Apartments, Villas and Townhomes % Broker Referral* Antelope Ridge Antelope 877.576.2678 Carmel at Woodcreek Roseville 877.609.2678 Evergreen Park Sacramento 877.613.2678 Homecoming at Creekside North Natomas 877.611.2678 The Sycamores Vacaville 877.620.2678 For more information on our broker program call Bob Karatz at 866.669.2230 or visit www.lewisbroker.com www.lewisapartments.com *Open to all licensed real estate agents, this incentive program pays: Referral of 6% of the gross total rent on 6+ month leases or $200 flat rate on 3-5 month leases. Prices and terms are subject to change at any time without notice. The offer is available at all Lewis Apartment Communities. You must accompany your client on their first visit., non-accompanied visits receive a $200 flat rate. No referral fee will be paid when agent/broker is acting as principal/tenant. Please see www.lewisbroker.com for a complete list of details and conditions. Expires 12.31.13 TOGETHER we SOAR 24 The U.S. House passed the WRRDA by a margin of 417 to 3, an encouraging show of bipartisan support. The Senate version of the WRRDA legislation passed in May with a bipartisan vote after California Senator Barbara Boxer began championing the issue. Getting the legislation through the House was more difficult due to partisan politics and disagreement over the definition of “earmark”. The final passed version contains no earmarks. The bill now goes to a conference committee where small differences between the Senate and House version will be reconciled between Members of the House and the Senate. Congresswoman Matsui and her staff have championed this issue for the past five years. They were determined Sacramento would achieve 200-year flood protection. The Congresswoman hopes President Obama signs WRRDA into law before the end of the year. 2014 SAR Officer and Director Installation & Awards Ceremony Tuesday, January 7, 2014 12noon - 2:00pm SAR Mack Powell Event Center Cost: $40 Attend the Installation of Paula Swyane as 2014 SAR President. This memorable event also salutes other incoming Officers and Directors, as well as recognizes outstanding volunteers within the SAR Membership. Please RSVP to Lilly Mishchuk at 916.437.1212 or [email protected] by Tuesday, December 31, 2013 25 26 Spencer Williams S TA F F M ember O F T H E M O N T H As a new employee to SAR, what is your job title and what are your job duties? What are your hobbies or other activities? I am the new IT Specialist, and it’s my job to keep the computers here up and running along with some website work. Video games, TV shows, and volunteer work is what takes up my free time What did you do before coming to SAR? I think Man of Steel was the last good movie I saw I was an Independent Contractor and was hired at various places to do work Why were you attracted to the position? What do you hope to bring to SAR? I knew I would be a good fit for this position, and I hope to bring a smile along with being as efficient as possible How long have you lived in the Sacramento area? Where have lived before? Have you watched any good movies lately? Any favorite vacation spots? Lake Tahoe is quite nice. Although I hate cold places Are you a fan of social media? Why or why not? Not really, I just prefer talking to people face to face Do you have a favorite restaurant in Sacramento? I’ve actually only lived in Sacramento for the past 26 years Freebirds in Natomas is pretty cool or Chandos. What do you like/dislike about Sacramento? What would people be surprised to learn about you? I like how close Sacramento is to a lot of places like San Francisco and Reno. I’m not a big fan of how if you want to do anything at night you have to go downtown, very lame. I’m a big fan of terrible movies. Movies that are so awful they somehow magically move from being terrible to being awesome. A recent favorite of mine is Sharknado. 27 NEW SAR MEMBERS OCTOBER 2013 New REALTOR® Members Venugopal Acharya Real Estate Source Inc Teghpreet Ahluwalia Kellie Jo Lovato, Broker Sandra Barese Lyon RE Fair Oaks Steven Boyak ZipRealty Inc. Phillip Chao Real Estate Source Inc Pamela Chapanian O’Hearn Cook Realty Michael Christensen Intero Real Estate Services Ryan Coates The Advantage Group Gabriel Dinca ERS Folsom Renmani Dobson Kapadia Real Estate Source Inc Elham Farhangfar Keller Williams Realty Marisa Gonzales HomeSmart ICARE Realty Eric Harris ERS Roseville John Hurley Lyon RE Sierra Oaks Shannon Jennings Keller Williams Realty Gordon Jin Keller Williams Rlty Elk Grove Scott Jones CES Premier Real Estate Services Inc Adam Kanoff ZipRealty Inc. Andrew Lovato Kellie Jo Lovato, Broker Ferdinand Macariola Lyon RE Elk Grove Shane Maloney Lyon RE Downtown Carlos Marquez Lyon RE Folsom Donna Massa Charter-Home Scott McKey Coldwell Banker-Res R E Srv Christopher Miller Lyon RE Folsom Florentina Minasian NorCalWest Realty Melehola Naitagaga Century 21 M & M and Assoc. Dung Nguyen Keller Williams Rlty Elk Grove Cyndi Nguyen Merriman Properties Carlos Nochez HomeSmart ICARE Realty Shyla Olafsson Lyon RE Sierra Oaks Lisa Ornellas Intero Real Estate Services Johanna Padilla ZipRealty Inc. Atom Papoyan Davis & Davis Associates Austin Pickering Real Estate Source Inc Walter Pioli Keller Williams Realty Andrew Pokorny HomePointe Property Mgmt Cecilia Prado Redfin Corporation Debra Pughsley Newpoint Realty Services Matthew Ralph Laura Frey, Broker Don Reader Lyon RE Fair Oaks Scott Rhoades Lyon RE Elk Grove Vincent Rodriguez Coldwell Banker-Res R E Srv Ana Sayson Ernesto Sayson Jr. Broker Emily Searls Coldwell Banker-Res R E Srv Darya Selifanov Asset Financial Center Inc Maksim Semenenko USKO Realty Jing Shen Yvonne Yu Realty Rebecca Sipe Keller Williams Realty Kamala Sipin Coldwell Banker-Res R E Srv Karl Smith Lyon RE Fair Oaks Cheng Thao Cook Realty Michael Thomas Lyon RE Sierra Oaks Jennifer Thompson NEXT Real Estate Group Jennifer Trygg Lyon RE Natomas New Broker Associates Desiree Hastey Providence Properties New Designated REALTORS® Ericca Ciochetti Real Estate Masters Gurpreet Kaur Gurpreet Kaur, Broker Brian Pool Nor Cal Realty Sandra Ruggles SMR Realty Martin Willett Marty Willett Nikolay Zubyan A & R Real Estate New Affiliate Members Wendy Baker California Capital Mortgage Co Adam Burriesce Chase Derek Clark NARPM Sacramento Chapter Shawn Collins NARPM Sacramento Chapter Heather Cornell First American Title Company Justin Coupe California Capital Mortgage Co Edward Donaghy Stanford Mortgage Marcie Elliott First American Title Company Mari Garcia First American Title Company Erica Garcia-Briseno Ryan Nuttall Insurance Agency Deborah Henning NARPM Sacramento Chapter Cathryn Howard Medallion Mortgage Company Jeffrey Lewis California Capital Mortgage Co Heidi Maestretti First American Title Company James Makowski Medallion Mortgage Company Janelle Nord NARPM Sacramento Chapter Gary Prudler California Capital Mortgage Co Janet Regan NARPM Sacramento Chapter David Siegler First American Title Company Julie Stevenson First American Title Company Josh Tindel First American Title Company Jeff Tochterman Jeff Tochterman, Recruiter John Wheat First American Title Company Jason Wickham California Capital Mortgage Co S taff dire c tory 2003 Howe Avenue, Sacramento, CA 95825 (916) 922-7711 Fax (916) 922-1221 or Fax (916) 922-3904 MetroList 1164 W. National Dr. Suite 60 Sacramento, CA 95834 (916) 922-2234 or (916) 922-7584 2013 SAR Board of Directors Chris Little President Paula Swayne President-Elect Ron Greenwood Secretary/Treasurer Patrick Lieuw Immediate Past President Doug Covill Past President (non voting) Directors Kathie Bell Larry Challis Kevin Cooper Franco Garcia Brian McMartin Rob McQuade Jennifer Odama Deniece Ross-Francom Erin Stumpf Kellie Swayne Marty Swingle JaCi Wallace Linda Wood Tong Veu SAR Member Services MetroList Administrative Center Nancy Manly – 916.437.1217 Director of Member Services Lyndsey Harank – 916.437.1221 Services Specialist Robin Mayer – 916.437.1216 Services Specialist Denise Stone – 916.437.1219 Services Specialist Amelia Warrington – 916.437.1218 Services Specialist SAR Staff Feel free to call us direct. Dave Tanner - 916.216.1941 Chief Executive Officer Caylyn Brown – 916.437.1227 Government Affairs Director Brian DeLisi – 916.437-1210 Education Coordinator Janelle Fallan – 916.437.1208 Director of Community Relations Devyn Henry – 916.437.1226 Director of Professional Standards & Administration Deborah Grinnell – 916.437.1209 Director of Meetings & Events Chris Ly – 916.437.1204 Director of Finance Liliya Mishchuk – 916.437.1212 Meetings & Events Manager Mindy Scheibler – 916.437.1220 Meetings & Events Coordinator Tony Vicari – 916.437.1205 Community Relations Manager Judy Wegener – 916.437.1207 Director of Education Irene Ruan – 916.437.1203 Staff Accountant Patricia Ano - 916.437.1220 Administrative Assistant Spencer Williams - 916 437-1229 IT Specialist 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 2012, Sacramento Association of REALTORS®. All rights reserved. Editorial Policy The Sacramento Association of REALTORS® (SAR) welcomes articles of educational interest to its Members. Published articles will feature the author’s name, title and company; however, no direct compensation will be paid to the author. SAR reserves the right to edit submitted articles for length, grammar and appropriateness. Articles will be printed in SAR’s publications on a space available basis. Attempt will be made to publish submitted articles in a timely manner; however, submission of an article does not guarantee when, or if, it will be published. The mission of the Sacramento Association of REALTORS® is to enhance the ability of its Members to practice their profession ethically and effectively, to serve the community and to protect private property rights. SAR Retail Center Carl Carlson – 916.437.1223 Director of Retail Operations Victoria Dare - 916.437.1222 Marcus Arroyo - 916.437.1222 Sacramento REALTOR® Newsletter Editor: Judy Wegener Publisher: Ned Foley, Foley Publications Design & Layout: Scott Arnold, Foley Publications To Advertise: Foley Publications -1-800-628-6983 Foley Publications, Inc. is proud to partner with the Sacramento Association of REALTORS®. Together we provide a professional, monthly newspaper for the Association’s membership. For advertising information, please contact Craig Foley or Ned Foley at 800-628-6983 or visit our website at www.foleypub.com. 20+ Years of Real Estate Publishing Excellence!