Annual Report - UPSTAR - Upstate Alliance of REALTORS

Upstate Alliance of REALTORS®
Annual Report
2015
UpstarIndiana.com
The UPSTAR Mission & Vision
Mission: To provide our members with technology, education
and leadership necessary to conduct ethical and successful
business while promoting, protecting, and preserving real
property rights.
Vision: The Association is the recognized authority for
REALTORS® and a trusted partner within our Communities.
SERVICE. SECURITY.
EXPERTISE.
Fidelity National Title offers customers the most complete real estate services in the nation and has a rich history
of serving its customers with accuracy and efficiency. With the strength and stability of a National Company, we
are big enough to orchestrate some of the most complex transactions, yet we never lose our personal touch.
Serving the real estate community of Indiana for over 60 years.
Fort Wayne North - Ph: (260) 489-7242 | Fort Wayne Southwest - Ph: (260) 432-6241 | indiana.fntic.com
President’s Letter
W
hen the National Association of REALTORS® (NAR) implemented its new Organizational
Alignment Core Standards in May 2014, some associations shifted into survival mode—
reconstructing their programs and service delivery systems in 2015. For other associations, like
UPSTAR, the new Core Standards affirmed our organizational structure and financial solvency, as
well as, the quality programs and services we were already providing.
Dave Mervar
The purpose behind the new standards is to ensure that REALTOR® associations are providing
key services and representing the REALTOR® brand correctly. NAR has raised the bar and
UPSTAR is prepared to meet it each year with your support. As your President, I am proud to say
that UPSTAR’s Core Standards submission was approved by the national and state associations
in 2015.
Many smaller associations, also approved by NAR and IAR for excellent service, felt the impact of
the new, more rigorous, standards differently. The new standard caused many of them to take
a realistic look at how they might leverage economies of scale going forward while maintaining
all the advantages of servicing members in their local communities. UPSTAR has a history of
collaboration with community organizations and associations, which is why we were pleased to
sign a shared services agreement in November 2015 to provide MLS support, technology training
and website maintenance for our neighbor, the Northeastern Indiana Association of REALTORS® .
We look forward to a fruitful and prosperous relationship with NEIAOR in 2016.
Please take a moment to read through this publication for more information about the
association’s accomplishments, events and programs in 2015. UPSTAR’s successes would not
have been possible without you. Thank you for your dedicated service to UPSTAR and to the
communities you have served over the years.
Dave Mervar, 2015 UPSTAR President
Executive Officer’s Letter
M
any of you have expressed that 2015 was a good year in terms of your real estate
business. I’m delighted to hear that because your association is here to support your
business interests and to promote the REALTOR® brand in the local community. That’s why
the UPSTAR team invests time and energy to provide opportunities for our members to give
back. We want the residents to see the REALTOR® investment, so we partner with community
organizations that are doing good work and provide opportunities for you to support them in
a coordinated effort.
Katrina Kay
In 2015, we launched the UPSTAR Young Professionals Network or YPN for “young-at-heart”
REALTOR® and Affiliate members who want to network, grow and reach out to the community
through volunteerism and fundraising projects that contribute to the vitality of Northeastern
Indiana. We are proud that UPSTAR, including our new YPN, contributed a combined total
of over $8,000 to the Redemption House, Fort Wayne Rescue Mission, Vincent Village and
Community Harvest Food Bank in 2015. Not only that, UPSTAR partnered with Fort Wayne’s
Metropolitan Human Relations Commission during Fair Housing Month and with Arts United—
specifically the Civic Theatre’s “A Christmas Story” sponsorship, where UPSTAR hosted a “Meet
the Legislators Night”.
Thanks to all of you, we are making an impact in this great community. I consider it a privilege
to work with such a dynamic group of people.
Katrina Kay, UPSTAR Executive Officer
COMMUNITY OUTREACH
New UPSTAR YPN Takes Off
S
eeing the need to empower the next generation for
leadership and community service, UPSTAR launched
a new Young Professionals Network or “YPN” to develop
young-at-heart professionals in the REALTOR® family through
association involvement, advocacy, peer networking and
community outreach. On Jan. 14, 2015, UPSTAR YPN held its first
membership meeting. By the end of the year, the group had
successfully conducted two educational seminars, a networking
event and raised $4,100 for the Community Harvest Food Bank’s
(CHFB) holiday food drives.
UPSTAR YPN also had a strong presence at the association’s
annual events including the Mardi Gras Golf Outing, Porkfest
Cook-off and Civic Theatre sponsorship.
Angie Buchs (right), UPSTAR YPN coordinator for the holiday food
drive, is pictured here with 21Alive news anchor Melissa Long (left)
during the on-air check presentation to the CHFB.
COMMUNITY OUTREACH
UPSTAR Events Supporting the Community
U
PSTAR designated a portion of the proceeds totaling approximately $4,000 from the annual events including
the Pancake Breakfast, the Porkfest Cookoff and the Golf Outing to support the Association’s 2015 designated
charities—Redemption House, The Fort Wayne Rescue Mission, Vincent Village and the Moeller Home Build. The
community campaign for the Moeller Home Build was a 2014-15 initiative that culminated in the spring of 2015 with
the home build dedication. UPSTAR supported the community in other tangible ways such as sponsoring a private
performance of the Civic Theatre’s A Christmas Story: the Musical, where the association hosted a “Meet the Legislators
Night”. UPSTAR could not touch the community to the extent that we do without the dedication and support of the
Affiliate members who are engaged in the community outreach process through planning, volunteering and fundraising.
Porkfest Cook-Off
Pancake Breakfast
Supporting The Fort Wayne Rescue Mission
Supporting Redemption House
Mardi Gras Golf Outing
Supporting Vincent Village
A Christmas Story Sponsorship
Supporting The Civic Theatre & Local Legislators
MEMBERSHIP
By the Numbers
B
y the end of 2015, UPSTAR had experienced a 3.3 percent increase, as compared to 2014, in total UPSTAR
membership, which includes REALTOR® and Affiliate members.
1305
219
1312
312
2015 Year-End
REALTORS®
2015 Year-End
Affiliate Members
2015 Year-End
MLS Subscribers
2015 Year-End
MLS Offices
2015 AFFILIATE PARTNERS
Thank you. UPSTAR appreciates your support!
SM
MLS & TECHNOLOGY
2015 Tech Training & Highlights
74 / 11
72 / 12
No. Trained / Classes
No. Trained / Classes
Beg. Paragon Training Inter. Paragon Training
83 / 13
150 / 10
No. Trained / Classes
ZipForm Plus Training
No. Trained / Classes
Realist Training
31
44
30
48
No. Trained
SentriLock & ShowingTime App Training
No. Trained
Allen County
Tax Tools Training
No. Trained
ListHub Training
No. Trained
“Tech is In” Appointments
The Listing Keys
Tech Help Appts
New Integrations
In an effort to share the most relevant
To provide more in-depth technology
Paragon added two essential
information with members, UPSTAR
assistance for members, UPSTAR
integrations that proved to be of great
created a separate monthly newsletter
launched “The Tech is In” program in
convenience to members. They were:
devoted entirely to MLS and technology
May 2015. On specified days, members
1) the ability to access SentriLock
information titled “The Listing Keys”—
may request a 30-minute, one-on-one
functions through Paragon such as
because understanding the MLS system
appointment with the MLS staff for
viewing access logs, assigning listings
and technology is the key to listing
assistance on a variety of tech issues
to lockboxes and viewing showing
success. The Listing Keys clarifies MLS
such as Paragon, ZipForm or Realist
activity; and 2) the ability to add
rules and offers user tips and general
training, general computer problems,
multiple listings to the ShowingTime
tech information for MLS subscribers.
issues with mobile devices, program or
cart in Paragon.
app installations etc.
Supra-SentriLock Reciprocity
When the founding boards established the IRMLS, it
was challenging for SentriLock users, like UPSTAR,
to work with neighboring associations who used the
Supra electronic lockboxes. In the fall of 2015 that all
came to an end when the IRMLS worked with Supra to
establish reciprocity for IRMLS SentriLock users. Now,
any IRMLS subscriber can request Supra service. The
user must have an approved smart phone and the ability
to download the appropriate app. Users pay a one-time
activation fee, as well as an annual fee for Supra access.
Social Media
Social Media Outlet
YouTube Views
Facebook Likes
Twitter Followers
2014
2,242
337
81
2015
1864
403
97
*
NMLS: 141868
NMLS: 141868
A great name to know when you need a mortgage
For all your mortgage needs, we offer conventional, FHA, VA, USDA,
IHCDA, FHA 203K Rehab, construction loans, Mortgage Credit Certificate,
down payment assistance programs, first-time homebuyers and jumbo
loans. Call or apply online today for a pre-approved loan decision!
260.497.0800 | www.ruoff.com
*Based on independent third-party data from CoreLogic MarketTrac Report 2015 year-to-date activity. Ruoff Mortgage Company, Inc., d/b/a Ruoff Home Mortgage, is an Indiana corporation licensed by the Indiana Department of Financial
Institutions (DFI) and operates with the following license: Indiana-DFI First Lien Mortgage Lending License #10994. This is not an offer for extension of credit or a commitment to lend. Some restrictions apply. Ask for details. Loan decision is
subject to satisfactory appraisal and title review and no change in financial condition. Equal Housing Lender. This communication is provided to you for informational purposes only and should not be relied upon by you. You should contact
Ruoff Home Mortgage directly to learn more about its mortgage products and your eligibility for such products. 01272016.
PROFESSIONAL
Standards
Ethics Complaints
Total Ethics Complaints Filed
2015
Mediations
2015
4
No. Held
5
No. Filed by Public
0
No. Resolved
0
No. Filed by UPSTAR Members
3
No. Terminated
2
No. Dismissed by Grievance
2
Handled by Another Assn
1
No. Filed by Members of Another Assn 1
No. of Complaints Heard
1
Arbitrations
Total Arbitrations Filed
3
No. of Complaints Heard
1
EDUCATION
CE Classes & Educational Presentations
U
PSTAR’s education department was busy in 2015, with
the new TILA RESPA Integrated Disclosure (TRID) rule
going into effect on Oct. 3, 2015. The
new rule was a hot topic for CE classes
and Lunch n’ Learn presentations
throughout the year.
The change came about from 2013
legislation, where the Consumer
Financial Protection Bureau (CFPB) integrated the Real
Estate Settlement Procedures Act (RESPA) and Truth in
Lending Act (TILA) disclosures and regulations. After
Oct. 3, any transaction involving a mortgage used the new
CFPB disclosure forms.
The year 2015 also marked the ending of the first year
of the new three-year license renewal cycle (July 1,
2014 through June 30, 2017), as well as the new CE
requirements, which mandated that all brokers take 12
hours of CE by June 30th each year. Additionally, UPSTAR
launched an Online CE program through its affiliation
partner CBT real estate in June 2015.
CE Classes
Reporting Year
No. of Classes - 12-Hour CE
No. Attended - 12-Hour CE
No. of Classes - Prof Standards
No. Attended - Prof Standards
Total No. of CE Certificates Awarded
2015
12
700
2
65
878
(including COE Certificates)
Lunch n’ Learn Programs
Reporting Year
2014
No. of Presentations
8
No. Attended (Approx.) 137
2015
17
240
New Member Orientation/
Code of Ethics CE
Reporting Year
No. of Offerings
No. Attended
2015
4
113
Online CE
Reporting Year
No of Online CE Students
Total No. of Online Courses Taken
2015
36
139
GOVERNMENT AFFAIRS
& Economic Development
U
PSTAR’s Government Affairs Department
advocates for the private property rights of
homeowners and the business interests of REALTORS®
in local government, which includes support for
economic development initiatives that promote
the growth of Northeast Indiana. The association
also works in concert with the Indiana and National
Associations of REALTORS® to support their advocacy
efforts on a state and federal level.
LOCAL HIGHLIGHTS
Local Appointments
Gain appointments to the Downtown Improvement
District and Downtown Development Group. Retained
representation on the Housing and Neighborhood
Services Board, Safe Housing Advisory Board and Utility
Advisory Group.
Zoning & Subdivision Ordinances
Worked with Allen County to clarify language in the
zoning and subdivision ordinances that were adopted
two years ago.
Columbia City Comprehensive Plan
Supported Columbia City in updating its comprehensive
plan and custom owner-occupied rehab initiative.
REGIONAL ECONOMIC
DEVELOPMENT HIGHLIGHTS
Greater Fort Wayne Inc and Northeast Indiana Regional
Partnership worked collaboratively to create a portfolio of
projects to present to the Indiana Economic Development
Authority. The region was approved to receive funding
from the state.
Other Regional Legislative Successes Impacting
Economic Development include:
• Extension of the venture capital tax credit sunset
date
• Increased funding for IPFW and support for a new
classification
• Expansion of economic development opportunities
downtown with the support of the 200 foot waiver
and dining district
• Adoption of the dining district (locally)
STATE HIGHLIGHTS
HB 1403: Regional Cities
This bill creates the Indiana regional city fund to provide
grants and loans to regional development authorities for
regional economic development projects.
SB 408: Real Estate Brokers and Broker Companies
This bill clears up the definition of a broker company and
a managing broker. It allows brokers to take eight hours
of continuing education credit a year, as long as they
complete at least 36 hours in a three-year cycle.
SB415: Vacant and abandoned housing
Allows municipal governments to adopt an ordinance
to establish a tax deduction period for abandoned and
vacant property.
• Attaches a delinquent property tax or special
assessment to a property before it can be sold by the
county treasurer.
• Eliminates the concept of redemption after sale if the
property is deemed vacant or abandoned.
• Transfers ownership of property to the treasurer or
executive If a minimum bid is not reached.
• Barrs owners of properties found to be vacant or
abandon from buying additional property at a tax
sale and requires that the attorney general keep the
owners names on a tax sale blight registry.
• Requires a redemption period of 120 days on other
properties and properties removed from tax sales.
NATIONAL HIGHLIGHTS
National Flood Insurance Program:
Maintains funding levels for the National Flood Insurance
Program and homeowner’s advocate, with small
increases for flood mapping and mitigation activities.
Mortgage Debt Forgiveness:
Authority extended for two years (2015 & 2016)
Mortgage Insurance Premium Deductibility:
Provisions allowing the deductibility of mortgage
insurance premiums were extended for two years
Housing Finance Reform:
Explicitly prohibits the sale, transfer and liquidation of the
Treasury Department’s senior preferred stock holdings
in the GSEs without legislative action; provision sunsets
January 1, 2018.
GOVERNMENT AFFAIRS
RPAC | Realtor’s® Political Action Committee
2015 RPAC GIVING
Reporting Year
2015
Total Amount Raised for RPAC $25,503
Participation Rate
14%
119%
Percent of Goal
No. of Golden Rs ($5,000+)
No. of Sterling Rs ($1,000+)
2
10
Treasure Hunt Event Raised
Nearly $23,000 for RPAC
2015 RPAC Contributors*
Fair Share+ | $15 - 98
Affolder, Corey
Amstutz, Anthony
Aspy, Marshall
Barkman, Dallas
Barton, Kelly
Beam, Boots
Beer, Tony
Beerman, Paulana
Bixler, Mark
Blevins, Barry
Bluhm, Cindy
Boykins, Jean Marie
Brown, Kim
Bunch, Dallen
Cain, Janel
Callison, Jennifer
Canvin, Janet
Converset, Alan
Cook, David
Dager, Gerald
Dahl, Daphne
DeBender, James
DeHaven, Austin
DeHaven, David
Dennon, Tamila
Dhanie, Kenson
Didier, Tony
DiGregory, Joseph
Doepker, Anthony
Ehle, Jerry
Eisaman, Paul
Ervin, Tony
Fahl, Ann
Fahl, Gregory
Feichter, Kay
Finn, Treva
Fisher, Bradd
Fleischer, Mindy
Ford, James
Freck, Mike
Garrett, Cynthia
Gasser, Lori
Gerardot, Gary
Gerbers, Kevin
Gerbers, Ronald
Gething, Bill
Gigli, Catherine
Gillan, Patrick
Green, Doris
Green, Robert
Green, Sherry
Grzych, Beverly
Gumbert, Gary
Gunkel, Carol
Hansen, Daryl
Harris, Robert
Heflin, Justin
Heller, Mark
Henry, Jessica
Hinen, Brent
Holtsclaw, Jeffery
Hosler, Christina
Johnson, Lisa
Jordan, Jennifer
Keiffer, Kittie
Kepler, Howard
King, Nikki
Klinger, Kathy
Kreiger, Wayne
Kreigh, Jason
Lancia, Floyd
Lancia, James
Lancia, Jamie
Lancia, Matt
Schaper, Brian
REALTOR 500 | $500 - 999
Cheviron, Thomas
Lebrato, Gary
Schaper, Josefa
Bennett, Tina
Cossairt, Maurice
Ley, Jim
Schenher, Jeffrey
McCombs, Jack
Darley, Scott
Litchin, Michael
Selig, Katherine
Sanner, Jan
Douglas, Maurice
Lucas, Bud
Shaw, Gary
Vongphachanh, Pone
Duesler, Linda
Lund, Betheney
Shearer, Jack
Watson, Richard
Grable, Angela
Luther, Jeremy
Sherer, Mary
Zehr, Ric
Haneline-Patmore, Kim
Malcolm, Scott
Shoppell, Leanne
Kay, Katrina
Sterling R | $1000 - 2499
Marschand, Marilyn
Smith, Steven
King, Ronald
Bellio, John
Martin, Chelsy
Snellenberger, LaVerne
McBride, Jackie
Maloblocki, Patrick
Martin, Jeanine
Stetler, Kelley
McCutcheon, Ed
Mauger, Mary
Mattingly, John
Taylor, Terri
McMichael, Steven
Mervar, David
Maxwell, Susan
Thomas, Michael
Oberley, Denise
Ness, J. Kyle
McDaniel, David
Todoran, Michael
Schindler, John
Ness, Kurt
McIntosh, Vicki
Tomkinson, Todd
Smith, Carole Lee
Smith, Adam
McKibben, Mark
Tooley, Charles
Smith, David
Snyder, Al
Milentis, Elaine
Troyer, Robert
Williams, Brenda
Torres, Jim
Miller, Duane
Urschel, Elizabeth
Wise, Larry
Ward, Kimberly
Mitson, Christina
Vanderwall, Craig
Working, Ron
Morgan, Sharlene
Vaughn, Kenneth
Golden R | $5000+
Hoosier Club | $250 - 499
Ness, Steve
Ward, Carl
Rayl, Thomas
Eckert, Andy
Neufer, Edward
Weddle, Floyd
Stinson, Phillip
Jehl, Glenna
Newcomb, Kyle
Wells, Gary R.
Leksich, Joseph
Niblick, Nora
Wells, Gary
Marquardt, Anna
Noll, Bradley
Wiederkehr, Jacob
Vaughan, Jeffrey
Olson, Adam
Wieland, Troy
Walker, Elizabeth
Oswalt, Kelly
Wilson, James
Pence, Heidi
Worden, Alisa
Pence, Jason
Worden, Neal
Placencia, Raymond
Yoder, Chris
Popp, John
Zehr, Andrea
Price, Matthew
Zorn, Karen
Reincke, Anthony
Remenschneider, Leslie $99 Club | $99 - 249
Black, Rena
Rosenogle, Josh
Blair, Charles
Rutsey, Judith
Broman, Linda
Sample, Jill
*As reported by IAR’s 2015 Contribution Report
2015 SERVICE AWARDS
Kyle Ness Named 2015 Realtor® of the Year
The REALTOR® of the Year award is given to a member who has exemplified a level
of professionalism and servant leadership in meeting the needs of the public, serving
the association and real estate industry, as well as the community at large. For his
commitment in these areas, J. Kyle Ness, of Real Living Ness Bros., was named REALTOR®
of the Year, not only for what people see, but also for what they don’t see. He volunteers
for the Real Men Read Program, an organization focused on reading to low income
children, and he is also a volunteer for Big Brothers/Big Sisters. Recently, Kyle spent
a holiday season on a mission trip helping to build a health clinic in Mexico. Kyle is
a graduate of Leadership Fort
Wayne and the Indiana REALTORS®
Leadership Academy, where he chaired the class project. He
frequently represents the industry in the media as “the voice
of real estate” with knowledge and professionalism. As a third
generation REALTOR®, Kyle literally has real estate in his blood. He
has served on the UPSTAR Board of Directors for multiple years,
serving as President in 2014 and MLS President in 2015.
Burnell Gump Receives the
Hall of Fame Award
Susan Goree Named 2015
Affiliate of the Year
The Hall of Fame Award is one of
The Affiliate of the Year
the highest honors that UPSTAR
Award is given to an
bestows on a member. It is given
affiliate member who has
for exceptional and outstanding
served the association in an
service to the community and
extraordinary way. This year
the real estate profession over
Susan Goree from MidWest
a lifetime. This year, Burnell
America Federal Credit
“Bernie” Gump, of The Burnell
Union was honored by her
Group, was selected to receive
peers for her dedication to
the 2015 Hall of Fame Award. Known by his peers as a
service. Susan is on the Affiliate Committee, regularly
person of high integrity that is committed to service, Bernie
participates in UPSTAR activities, has chaired several
has served UPSTAR on numerous committees during his
events and seeks out other ways in which to serve.
30+ year career. He has also served on the UPSTAR Board
In the community, she is known as a motivator
of Directors, held the office of President and was elected
and one who encourages others to participate. A
as an IAR Director. He enjoys home restoration and home
well-respected leader in the financial market, she
building and has always been one of the first to volunteer
volunteers to teach Junior Achievement classes and
for UPSTAR’s Habitat for Humanity Build. In 2000, he was
mentors new managers to help them achieve success.
also honored as the REALTOR of the Year.
®
2015 SERVICE AWARDS
Tom Williams Receives the 2015
Outstanding Service Award
Similar to the Hall of Fame Award,
the Outstanding Service Award
recognizes excellent service in a
particular area of real estate. Tom
Williams, who is recently retired
from Coldwell Banker Holloway,
gained a reputation in the Adams
and Wells Counties for expertise
and accuracy in appraisal services spanning a real estate
career of over 50 years.
Beverly Goff Receives the 2015
Community Service Award
The Community Service
Award honors a member who
demonstrates an extraordinary
commitment to the community.
Affiliate member Beverly Goff of
Northern Insurance Goff Agency
was selected for the Community
Service Award because she
dedicates a significant amount of time working with
nonprofits in the Fort Wayne area including Redemption
House, the Fort Wayne Rescue Mission, Jubilee House
Ministry, Pathfinder Community Services and Go Red for
Heart to name a few.
Corey Malcolm, Recipient of the
2015 President’s Award
UPSTAR’s 2015 President
David Mervar presented Corey
Malcolm of F.C. Tucker/Malcolm
& Schlueter REALTORS® with the
2015 President’s Award, which
is given to a colleague who has
offered significant support to the
president throughout the year.
HOUSING MARKET
Statistics
Closed Sales | 2013 - 2015
Median Sales Price | 2013 - 2015
The Upstate Alliance of REALTORS® Multiple Listing Service, Inc. (UPSTAR MLS) is a local MLS participating in the Indiana Regional MLS (IRMLS).
Statistics are based on residential single-family properties, townhomes and condominium listings and sales, as reported to the IRMLS, from the
primary coverage area of UPSTAR MLS, which includes the counties of Allen, Whitley, Huntington, Adams, Wells, DeKalb and Noble.
Quarterly Skinny Videos
Housing Market Reports
UPSTAR strives to keep REALTORS® and the community at large in
step with the housing market, by providing local market reports that
are updated monthly. The reports are distributed to members, the
media and are available on UpstarIndiana.com.
The “Skinny” Video
Every quarter, UPSTAR gives you “the Skinny” on the local housing
market in a video that provides an overview of current trends and
projections for future activity.
2015 LEADERSHIP
Board of Directors & Staff
2015 UPSTAR BOARD OF DIRECTORS
2015 UPSTAR MLS BOARD OF DIRECTORS
OFFICERS
Brenda Williams | President-Elect
Kim Ward | Secretary-Treasurer
J. Kyle Ness| Immed. Past President
DAVE MERVAR
2015 President
DIRECTORS
John Bellio ■ Linda Broman
Matt Byrd ■ Renee Cox
Mary Mauger ■ Kurt Ness
John Schindler ■ Mary Sherer
Al Updike ■ Beth Walker
J. KYLE NESS
2015 MLS President
DIRECTORS
James Bradley ■ Heather Demerly
Linda Duesler ■ Karla Funk
Robert Green ■ Jody Holloway
Rudy Koch ■ Michael Litchin
Corey Malcolm ■ Jackie McBride
Brad Minear ■ Al Snyder
James Reecer ■ Michelle Snyder
Jeffery Walborn ■ Brenda Williams
UPSTAR STAFF
Katrina Kay | Executive Officer ■ Denise Graham | MLS/Technology Director
Ashley Lanning | Membership/Education Director ■ Casey McNamara | Accounting Coordinator
Kim Ruffin | Communications Director ■ Jackie Sanders | Customer Service Specialist
Pone Vongphachanh | Public Affairs Officer ■ Olivia Wood | Customer Service Specialist
WHY CHOOSE
PRIMELENDING?
When you partner with a PrimeLending loan officer, you are getting the strength and
stability of a company with almost 30 years in the industry as well as best in class service.
PrimeLending offers:
• A Mobile App for Real Estate Agents that
provides real-time updates on loan status
and closings
• Delegated Underwriting* for faster approvals
• Local Appraisal Experts who are familiar with
the market
*
Call me today to discover the
PrimeLending advantage.
KELLY CORYA Mortgage Loan Officer
260-433-3006
[email protected]
www.horray4corya.com
9434 Lima Rd, Ste B, Fort Wayne, IN 46818
NMLS: 370174
• FHA, VA, USDA Financing which include down
payment assistance programs and up to
100% financing
*Not available on all product types or in all areas.
All loans subject to credit approval. Rates and fees subject to change. Mortgage financing provided by PrimeLending, a PlainsCapital Company. Equal Housing Lender.
© 2015 PrimeLending, a PlainsCapital Company (NMLS: 13649) is a wholly owned subsidiary of a state-chartered bank and is an exempt lender in IN. V121013.
00132402-MS161623_PrintAd_v3_012715.indd 1
1/27/2015 5:25:04 PM