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CONTENTS
Message From GAR
Departments 4
8
IBC
Market Report G u am R e a l E s t a t e S a l e s Volume Surges Feature Fin ish in g Touc h es Staging a Property Could Be the Best Investment When
April 2011 • Vol. 4 • No. 4
Trying to Sell or Rent Your Home
12
From the Experts I t ’s N o t E a s y B e i n g A REA LTO R®
16
In Our Community Pa nc a kes fo r C ha r i t y
P.O. Box 24881 Barrigada, GU 96921 Tel: (671) 472-3495 | Fax: (671) 472-3498 email: office@yellowpagesink.com
|Publisher| |Business Sales Manager| Jay-R S. Dominguez
|Display Advertising| 18
Profile A 2 4 / 7 O c c u p at i o n Layla Raymanova
Darrell T. Pereda
|Traffic/Circulation Manager| Josie Redmond
|Production Manager| 20
Dwellings Cre a ti ng a Pe ace ful H om e in Tu rb u le nt T im es
22
Contractor’s Corner H i g h l i gh t o n : Fa rgo Paci fic, In c
25
Who Ya Gonna Call?
26
Classifieds
28
Closing G u a m A s s o ci a t i o n of R e a ltor s ® Fair Housing Month
Mark S. Burke
|Graphics & Layout| Mark S. Burke • Jon Barnhart
Message from the President By Anthony R. Godwin e-pro®, CRS®, ABR®, ASP®, AHWD®, REALTOR®
D
ear Readers This month I would like to dedicate this column to ourfriends in Japan that have lost their homes, their livelihoods and many of their family members and friends in the terrible earthquake and tsunami. Our Guam Association of REALTORS® has commenced a fund drive to raise money to help out with recovery efforts in Japan. Every dollar that is contributed will go towards helping someone in need of food, water, clothing, blankets and housing. Please take a moment and write out a check. Make your check payable to Japan Club of Guam and deliver your check to the Guam Association of REALTORS® office at the Julale Center or to my office at Today’s Realty in Tamuning. We will put your checks together with our collections and deliver these to the Japan Club. No amount is too small or too large to help our friends in Japan. Thank you for caring. See you next month…
|Editorial Contributors| Faye Varias Creative Services Anthony Godwin W. Nicholas Captain Peggy Araullo Llagas Sol Abat Robert Paulino Melissa Dittmann Tracey
Anthony Godwin GAR 2011 President
CasaGuam is Published by:
CasaGuam Advertising Disclaimer All Advertisers agree to hold the publisher harmless and indemnify it against any and all claims, losses, liabilities, damages, costs and expenses (including attorney’s fees) made against or incurred by the publisher, officers or employees with respect to, or arising out of, the content, text, graphics or representations of any ad published herein, including but not limited to the sole negligence and/or fault of the publisher. The publisher is not liable for any claims, losses or damages of any kind, arising from the wording, text, graphics or representations of any ad published herein, or the condition of the articles sold through the publication, or performance of services advertised in this publication. All advertising and/or performance of services advertising and/or submissions become wholly the property of CasaGuam Magazine. CasaGuam Magazine is a registered trademark of PTI Pacifica Inc. Copyright © 2008. All rights reserved. Reproduction in whole or in part in any form without the express written consent of the publisher is prohibited. We reserve the right to edit or refuse any ad and to reprint any photo for promotional use.
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Market Repor t
By Nick Captain
Guam Real Estate Market Up 20% in 2010
A
ctivity Update –
Although local real estate lending contracted significantly in 2010, there were strong indicators of positive growth in the Guam real estate market, according to the latest release from Captain Real Estate Group. In 2010, aggregate island-wide sales volume increased by 22 percent from 2009 to $306.2 million. Last year, the median price of a house on Guam increased by over six percent and the median price of a condominium increased by nearly 13 percent. Also in 2010, condominium sales volume islandwide increased by nearly 50 percent, and land sales volume more than doubled the 2009 levels. In 2010, over $32.2 million in condominium sales and over $94.5 million in land transactions closed. According to Nick Captain, the condominium and land sectors are “leading indicators” for future growth. Captain expects local players to step up as well as a slew of off island investors acquiring Guam real estate over the next couple of years, boosting sales volume and increasing prices. The 2010 growth in real estate sales occurred while local lenders moved in the opposite direction, with real estate loans down by 28 percent to $387.6 million. Local real estate lending was again dominated by First Hawaiian Bank and Bank of Guam, while Bank of Hawaii continued to shrink. In 2010, Bank of Hawaii closed fewer real estate loans (in dollars) than Coast 360 and Community First credit unions, as well as BankPacific. “Once local banks can justify real estate lending growth, relatively stable residential and soft commercial market conditions could turn upward quickly”, noted Captain.
4 CasaGuam April 2011
Single Family Dwelling (“SFD”) market activity during 2010 was relatively stable with 4 percent growth in dollar volume to $141.7 million. During 2010, the median price of a single family house hit $212,500, up 6 percent, but has remained within the range of $195,000 to $215,000 since 2007. The dollar sales growth in 2010 occurred along with shrinkage of 5 percent in the number of houses sold, which reflected 586 units in 2010. Unit sales volume peaked during 2006 to 2008 with over 700 houses sold annually. The 2010 unit sales volume reflected the lowest annual total since 2003. The annual SFD unit sales volume, which peaked at 774 units in 2007, pales compared to the Department of Defense’s Record of Decision which details the Guam military build-up and notes that new civilian housing demand, under the now-delayed initial build-up scenario, would average 2,500 units annually through 2015. High end SFD sales (above $500,000) increased over 20 percent in 2010, as the return of economic normalcy brought wealthy individuals back into the market. In the condominium sector, the median price increased by nearly 13 percent to $140,000 in 2010, while the number of transactions increased by over 21 percent, to 183 units. Condominium sales volume (in dollars) was up last year by over 48 percent to $32.2 million. The high end condominium sector continued it’s rebound with 23 transactions priced over $350,000 in 2010, more than double 2009 activity. Land sales in 2010 hit $94.5 million, up by nearly 110 percent, and approximating the combined totals from 2004 and 2005. The number of land sales in 2010 was up by almost 15 percent to 459 transactions. The multifamily sector rebounded in 2010, increasing 75 percent to $17.9 million in sales volume; primarily due to the bulk sale of Talo Verde houses as apartment building sales volume was
anemic. The commercial and industrial sectors lagged in 2010, with sales volume down by 45 percent to only $19.9 million in combined sales. These sectors were positively impacted by upward pressure on rents and occupancy; however, sales volume declined significantly due to the wide price expectation gap between buyers and sellers. The military build-up will dominate Guam’s economy and real estate market through this decade. The now obvious slowdown comes on the heels of the Record of Decision (“ROD”), which indicates that Guam’s housing market had a 2,800 unit excess capacity. New housing demand was estimated to approximate 2,500 units per year for four years, resulting in excess capacity of over 8,000 units post-build up. Under the original timeline, there would be a need for 12,000 civilian housing units in 2014 alone, falling to 3,205 units by 2017, after construction. Fortunately, the estimates were concluded as seriously flawed in light of Guam’s infrastructure and politics. The slowdown is good for Guam as the ROD estimates would have resulted in serious market clashes and a housing war where landlords are kings. The ROD says that “This rapid and substantial increase in population on Guam would create “boom town” opportunities and problems.” The slowdown in population growth will smooth out the boom and bust cycles previously experienced in Guam. Guam’s residential real estate market is healthy compared to the U.S. Mainland. According to the S&P/case Shiller Home Price Index, home prices nationwide are back to their mid-2003 levels, while the Guam median price is up 85 percent from 2003. U.S. home prices are down an average of 33 percent from their recent peak, but the 2010 Guam median price was only one percent lower than the 2008 peak of $215,000. Notable Transactions – 2010 was the year of Talo Verde’s foreclosure,
the four abandoned towers, the Marriott foreclosure sale, and the auction of Tumon oceanfront land. Notable transactions in 2010 included more than just foreclosure deals and abandoned projects (“on hold”). The $15.4 million bulk sale of 28 Talo Verde houses closed in 2010 with local buyers benefitting from the discounted prices. Guam’s largest industrial complex, IXORA, sold at $7.2 million and Tumon oceanfront land (former Royal Palm) sold at over $500 per square meter. Notably, USDA loan activity skyrocketed in 2010, to 81 loans, up from only 18 deals in 2009. Ironwood Heights and Sagan Bonita affordable housing projects were both successful in 2010 while the Ysrael’s are quietly building a 180 unit apartment complex in Tumon
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Louisa Wessling
Christina Au
727-8400
888-8626
687-8340
lmwessling@teleguam.net
christinat@guam.net
triniguam@yahoo.com
Associate Broker
Trini Sarmiento
Associate Broker
Associate Broker
MLS#11-186 & 11-184 TALOFOFO - $249K 3 br/2.5 ba custom home on 1300+/- sm lot. High ceilings, kitchen w/island, whirlpool master bath tub, back up water storage system w/ filter system.
MLS#10-3958 YONA - Windward Hills Golf Course $475K 4br/3ba wonderful features & scenic view
MLS#10-1969 DEDEDO $450K BRAND NEW! Spacious 5br/2.5ba w/high ceilings, double carport & quiet neighborhood. Fully fenced & gated.
YIGO Price Reduced To $249K 3br/2.5Ba on 1/2 acre lot. Family room, Living room & kitchen
MLS#10-3245
MLS#10-1736 PITI - LAND $500K 8000sm. Excellent road frontage property with high visibility for any business
DEDEDO - NCS $200K Renovated 5br/3ba. Fully fenced
TAM-JONESTOWN $2,200/mo Upgraded 3br/2ba home. Fully fenced and gated with a big patio. Available April 6th
MLS# 10-3329 DED - MACHECHE $1,900/mo 4br/2ba Newly renovated duplex unit in well-kept neighborhood.
MLS#11-3909 DEDEDO $350K
TAMUNING - $230K 3br/2ba on 600sm R2 zone lot.
CHALAN PAGO - $1,700/mo Flora Pago Condo 3br/2.5ba 1st flr unit. A sanctuary for your evenings - with pool.
MTM - BONITA VILLA CONDO $145K mproved 2br/2.5ba unit. Centrally located.
MLS#11-349 YIGO - $1,700/mo Spacious 4br/2.5ba home on 1/2 acre lot. Minutes to the back gate entrance to AAFB.
MLS#10-1954 TAMUNING - LAND $550K 1/2 acre w/ 4br concrete house.
MLS#10-3237
MLS#10-3008 & 10-3007 SINAJANA - $1,700/mo 3BR/3BA. Delightful home with open floor plan.
YIGO LAND - $75K Enjoy the privacy! 2007sm lot. It's a perfect property for building a future dream house. Utilities onsite.
Christina’s Deals of the Month!
Large 4br/3ba home on 3,000+sm lot. Fully renovated with masterbed suite, jacuzzi and more!
FOR LEASE TAMUNING $9,000/mo (make your offer) Good exposure for your business Tamuning 2 storey commercial bldg Fronting Chalan San Antonio, 30,000 ft MLS#10-4002
YIGO - $360K BRAND NEW 3br/2.5ba fully fenced and gated, double garage, laundry room, custom made kitchen cabinet and corian counter top. Master bath has jacuzzi tub and standing shower. Close to AAFB, 1071 sq M.
CHALAN PAGO - $235K or Rent $1,300/mo
TAMUNING - $1.6M Golden Motel 26 Rooms, Fee simple land improvements, equipment and generator. Motivated seller
Call Christina!
888-8626
Central location. Cozy 3 bedroom, 2bath home.
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Feature
Finishing Touches
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Feature
Staging a Property Could Be the Best Investment When Trying to Sell or Rent Your Home By Melissa Dittmann Tracey, Realtor.com
The reality today is that sellers don't want to spend big to get their house in tip-top shape for buyers. The good news is that there's plenty they can do for free or at a very low cost. Even with forecasts for a rise in homeimprovement spending this year, it’s still going to be a challenge to convince sellers to pay for upgrades that will please buyers. But with so much housing inventory available, your house should look the best. CasaGuam.com 9
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Feature Details You may not be able to convince sellers to shell out money to professionally stage their home, but getting it sparkling and clutter-free requires little more than elbow grease. After clearing away clutter, polish the hardwoods, clean the countertops, and dust the light fixtures. You can make a stainless steel sink shine with thrifty cleaning remedies such as baby oil or club soda, according to DoItYourself.com. Howard Products’ line, for example, includes Restor-A-Finish. It comes in various wood finishes and can be used to polish cabinets and even blend out minor scratches and imperfections. Tips: Box it up. Most people pack up after they sell the house, but why wait? Sellers should start packing as early as possible — ideally, before they put the home on the market. Show off the laundry space. Buyers will be impressed if the laundry room is fresh, inviting, and organized. Make sure light bulbs are working, and hide soaps in a cupboard or line them neatly on a shelf. Focus their attention. Pick a focal point for each room. For example, the focal point of a bedroom is usually the bed, and for a music room, it’s the piano. If a room is mostly empty, you can help draw attention to a corner with a plant or mirror.
Floors Hardwoods are on most buyers’ wish lists, but it can be quite pricey. To imitate the look for less, try vinyl or tile that looks like wood for less. Tips: Call the experts. Dirty, worn carpet may benefit from professional cleaning. Refinish it for cheap. Practically any beaten-up hardwood can be salvaged with refinishing. Call a professional tile company to freshen up ceramic tile grout—or, for do-it-yourselfers, hardware stores sell grout paint. Add a layer on top or bottom. One other option for lackluster flooring: Use an area rug, even over carpets. It’ll add a splash of color, and bring definition to living areas. If you’re adding inexpensive carpeting, consider upgrading the carpet pad.
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Feature Lighting New lighting fixtures are a quick way to create ambiance. Just avoid brass lighting fixtures, which had their heyday in the 1980s. More contemporary choices are brushed nickel and chrome finishes. Also, rust and oil-rubbed bronze are becoming more popular as more home owners set out to have lighting that doubles as an accent feature. Use lighting to highlight special features — pendant lights to show off that kitchen island or sconces to illuminate a foyer. Under-cabinet lighting in the kitchen is affordable and makes countertops sparkle. Fluorescent light strips tend to be more affordable and easier to install than puck lights. Tips: Go natural. Open those blinds and wipe down the windows. You’d be surprised at how much a simple window cleaning can instantly improve natural light. Save on energy costs. Compact fluorescent bulbs remain the go-to choice for energy efficiency. Early CFLs didn’t always deliver on light quality or convenience, but they now come in warm, neutral, and cool colors, and major manufacturers are now enclosing the spiral tube in a conventional bulb shape.
Paint A few gallons of paint can go a long way in making a home more chic—and the cost can’t be beat. Covering a 12-by-12-foot room with two coats will cost you about $50 to $100, including supplies. Reserve darker or trendier colors for accent walls or to highlight details such as a fireplace or an arched doorway. Common color picks for accent walls are dark red, green (not lime green, though), or a stone gray. Or instead of introducing a new color, use the paint in the rest of the room as a guide, choosing a color that’s three shades darker. To bring depth to a long hallway, paint the wall at the end of a long hallway a different shade than the others. Tips: Shine with sheen. Flat or matte finish is difficult to clean and shows scuffs. Increasing the sheen can brighten rooms. Eggshell or satin bounces light off the walls to make spaces seem larger. Semi-gloss, higher on the sheen level, is a good option for kitchens and bathrooms since it’s easy to clean. Create monochromatic harmony. Use different variations of the same color throughout the home. The Paint Quality Institute, a paint education resource, refers to this as “layering.” Choose a color card, which usually has about three or four similar hues, and use two or more colors from the single card. Use the lighter colors in the main living areas and darker shades for the rooms that branch out, such as the bedrooms. Paint the baseboards white. But don’t use stark white, which can take on gray tones against some wall colors. Instead, antique white or Navajo white are better options. If the home has dated stained-wood trim, simply painting it off-white can bring it up-to-date. But don’t forget to use a primer first. CasaGuam.com 11
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From the Experts
It’s Not Easy Being a REALTOR®
By Sol Abat
REALTOR®, Century 21 Commonwealth Realty
G
etting a job isn’t going to be so much the issue you may face, as being a REALTOR®. Actually, you don’t get a job! You are an independent contractor, running your own business! You won’t make any money until you sell a property, as Real Estate Agents work on a COMMISSION ONLY basis. You can make less than nothing, as your expenses continue to accumulate, even if you have no income, or you can make a lot, depending on your ability to sell and your drive to be on call 24/7 for your clients. Besides worries about getting listings and selling houses, you have to pay for advertising, signs, business cards, desk fee at the agency you decide to associate yourself with, Association fees, MLS fees and all other real estate provisions such as CEU’s — A REALTOR® is required to complete continuing education units (CEU), and a specific number of credits to acquire a license or to renew one. Also, to be highly efficient in the business, you should be abreast of the changes taking place in the industry such as the effects of the economy on the real estate market, financing options, advertising trends, the evolution of real estate business online, and all other related issues. You must arm yourself with reasons why it is beneficial for consumers to use a real estate
12 CasaGuam April 2011
professional to facilitate their transactions. On top of all this, there are many everyday overwhelming challenges a REALTOR® must face- such as dealing with clients with unrealistic expectations and requests, driving around even on the weekends to show properties, conducting open houses which can be nerve racking, time consuming and expensive, tons of paperwork, writing contracts and getting turned down, or contracts written up, accepted but could not be fulfilled, resolving issues to be able to move transactions to closing, and so much more. It’s difficult for most successful agents to
find a balance between their careers and their private life. Some people balance it very well, but it takes a lot of determination and work. It doesn’t just happen. You have to be driven. It has to be your passion. And because you’re always chasing after that commission check, there will be times you’ll have to put work above family or other commitments. Is this really what you want to do? Bottom line is, as a real estate agent, you have to invest a lot of work, a lot of hours, incur expenses and expect no guarantee that you will get paid. So is it easy? You tell me!
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DIAMOND REALTY www.remax-diamondrealty.com | 479-9532 Gina Campos 687-8885 Assoicate Broker
gcampos@remaxguam.com
Yigo-Chalan La Chanch $368K
Villa Carmen $585K or 3,500/mo
Yona $325K
3Bd/2Ba • MLS #10-3309
3Bd/2Ba • MLS# 11-622 & MLS# 11-578
3Bd/2Ba MLS #11-294
Ordot-Chalan Pago $2,400/mo
Barrigada $1,700/mo
Astumbo-Dededo $49.5K
4Bd/2Ba • MLS #10-3619
4Bd/2Ba • MLS #11-869
954 ±Square Meters • MLS #10-2475
Piti Land $495K
Barrigada Office Space $1,600/mo 1000 sq/ft • MLS #11-378
556.2 Square Meters • MLS #11-584
Dededo-Multifamily $350K
Yigo Land $2,550,255
Kaiser-Dededo $220K
6Bd/3Ba • MLS #10-3800
±30,003 Sqare Meters • MLS #11-368
3Bd/1Ba • MLS #11-601
Joylyn Munoz 488-5069 REALTOR®
jmunoz@remaxguam.com
Evelyn San Gil Burke 488-2703 REALTOR®
eburke@remaxguam.com
2,023 ±Square Meters • MLS #11-167
MongMong-Toto-Maite $30K
Ronald Pangilinan
687-8871 REALTOR®
rpangilinan@remaxguam.com
Jackie Perez
777-4289 REALTOR®
jperez@remaxguam.com
Santa Rita $2,200/mo
Yigo $1,600/mo
Yona $375K
3Bd/3Ba MLS #10-3937
3Bd/2Ba • MLS #10-4138
4Bd/3Ba • MLS #11-302
Mangilao Commercial $2.2M
Pia Marine Condo $2,200/mo
Mangilao Commercial $1,500/mo
12,000 Square Feet • MLS #11-904
2Bd/2Ba • MLS #11-1276
1,500 Square Feet • MLS #11-294
Ki Myong Song 929-5398 REALTOR®
ksong@remaxguam.com
Patricia Feore 688-6989 REALTOR®
pfeore@remaxguam.com
Tamuning $2,200/mo
Sinajana $2,200/mo
Sinajana $2,450/mo
1Bd/1Ba • MLS #11-551
2Bd/2.5Ba • MLS #11-755
3Bd/2.5Ba • MLS #11-1177
Yogita “Payal” Hemlani 482-5263 REALTOR®
phemlani@remaxguam.com
Yigo $1,350/mo
Yigo $355K
Yigo Land $140K
4Bd/2Ba MLS #11-372
3Bd/3Ba • MLS #11-519
3,716 Square Meters • MLS #11-1120
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532 Liz Duenas
687-0911 Assoicate Broker
Tamuning - Executive Home $695K
Tamuning - Executive Home $670K
Yigo - New Home $449K
4Bd/3Ba • MLS #10-3295
3Bd/3Ba MLS #11-1016
4Bd/2.5Ba MLS #11-1139
Thinking of Buying or Selling? I can help. Call for details. Tai Road, Chalan Pago $1,400/mo
Jesus Cruz Rd, Yona $1,900/mo
3Bd/2Ba • MLS #11-1150
4Bd/2Ba • MLS #11-928
lduenas@remaxguam.com
Shawn Blas
888-3221 REALTOR®
sblas@remaxguam.com
Coleen Blas
727-6902 REALTOR®
Asan $2,200/mo
Dededo $1,900/mo
Agana Heights $825/mo
2Bd/1Ba • MLS #11-334
3Bd/2Ba • MLS #11-623
2Bd/1Ba • MLS #11-729
cblas@remaxguam.com
Deanna Palmer 688-2855 REALTOR®
Mangilao - Park Villa $148K
Yigo $275K
Paradisu - Talofofo $525K
3Bd/2Ba • MLS #11-84
3Bd/2Ba • MLS #10-4043
3Bd/2.5Ba • MLS #11-401
dpalmer@remaxguam.com
Libby Pier
686-2627 REALTOR®
Mangilao Garden Condo $39K
Inarjan $415K
Yona $155K
2Bd/1Ba • MLS #10-4318
3,825 ±Square Meters • MLS #11-375
1698 ±Square Meters • MLS #11-900
lpier@remaxguam.com
Jean Sablan 898-2112 REALTOR®
Barrigada $305K 3Bd/2Ba • MLS #11-462
Tamuning - Agana Bay Condo $2,500/mo 3Bd/2Ba • MLS #11-521
Barrigada $570K 4Bd/4.5Ba • MLS #11-569
jeans@remaxguam.com
Irene Cruz
797-2109 REALTOR®
Yigo Land $50K
Barrigada 4-plex $750K
Rt. 3 Dededo Land $1.2M
929 ±Square Meters • MLS #11-573
8Bd/4Ba • MLS #11-763
8,373 ±Square Meters • MLS #11-775
icruz@remaxguam.com
Jodee Duenas 727-5633 REALTOR®
Barrigada Heights $360K
Dededo Condo $62K
Tamuning $529K
4Bd/2Ba • MLS #10-4275
2Bd/1Ba • MLS #11-200
3Bd/2.5Ba MLS #11-857
jodeeduenas@remaxguam.com
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In Our Community
PFC’s Pancakes for Charity By Robert Paulino 2011 is a special year for PFC has it celebrates 35th years of service to our local residents and businesses in Guam. Personal Finance Center was established in February 1976. The company began with three employees, a typewriter, a few desks and $100k in initial capital. Today, PFC services thousands of customers for insurance, investments, consumer and commercial lending and commercial leasing. To mark this special year, PFC decided to hold it’s first ever charity event. The two charities selected were Big Brothers Big Sisters and Habitat For Humanity of Guam. PFC believes in giving back to our community and being good corporate citizens. Many of the PFC staff actively participates in civic and government organizations. Over 400 guests made it out to Personal Finance Center’s first Pancakes For Charity event held at the Sheraton Laguna Guam this past March 26th. Tickets to the event sold out two days prior as local resident made sure they secured their spot in tasting delicious varieties of pancakes, local entertainment, giveaways and great raffle prizes. We’d like to extend a huge “Thank You!” to everyone who came out to support the event by dining on the delicious creations, took part in the pancake flipping competition, and decorated the delectable pancakes. Have a look at the wonderful pictures from the event by going to facebook.com/personalfinancecenter but be warned; the photos may make you hungry! You’ve also got to see our video compilation from the pancake flipping contest, so make sure to check out that and other great videos online by visiting www.youtube.com/user/PFCGuam! We had a great time this year and we can’t wait to top it again next year. Again, thank you to everyone who supported us and participated in the competitions!
Entertainment included cultural dancers and various pancake themed games.
(L-R) John Flacen, Banquet Manager, Sheratorn Laguana Guam; John Benito, Dededo CenterPersonal Finance Center & Chairman of Big Brothers Big Sisters of Guam; Michael Camacho, President & CEO, Personal Finance Center; Eduardo Camacho, Chairman Personal Finance Center; Shane Intihar, President, Habitat for Humanity.
Judging by the long line of hungry people and the satisfied smile on their faces Pancakes For Charity was a big success. 16 CasaGuam April 2011
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Profile
A 24/7 Occupation
A Q&A with Layla Raymanova, an individual who By Faye Varias enjoys decades of helping people find homes.
L ay la Ray ma n ova Real Estate Sales Associate Century 21 Commonwealth Realty. 2011 Board Director, Guam Association of Realtors
Education:
Family: Motto:
Bachelor’s degree in Civil Architecture and Art, Kazan Engineering and Construction Institute, Kazan, Russia Married to R.A. Meyer; has two children: Asiya, 22 and Reed, 15 Learn, Deliver, Share and Have Fun
CG: Do you have any hobbies outside of work? LAYLA: Running and other fitness activities. I love travelling. Last year I got involved with the landscape committee for the homeowners association of Perez Acres. I had so much fun and learned a lot myself so I decided to continue serving this year as well.
“
CASAGUAM: How did you became involved with real estate? LAYLA: Actually, I was just interested in learning about the real estate basics for myself but after passing the exam, Moe Cotton invited me to join Century 21 Commonwealth Realty and I've been with this company since 2001. At that time I already had a full time job as a sales associate with Carpet Masters as well as a part time arrangement as an interior decorator at Furniture Outlet. I decided to give the real estate sales a try on a part time basis. However, through the years, I've learned that the real estate is rather a 24/7 occupation. CG: What are some of your most memorable experiences? LAYLA: Quite a few to cherish ... I remember my very first sale after nine months in business. I worked with a family of four which lost their father due to illness but they used his life insurance coverage to purchase their first home. I still recall the words of the mother, "Layla, my husband and I worked hard but still we lived with my in-laws. We always wanted to have a home of our own for the kids to grow in." That closing was a special day for all and I felt so privileged to be part of it. CG: What are some of the biggest challenges you've encountered and how have you overcome them? LAYLA: All real estate transactions usually include a number of parties and their cooperation is a key to a successful sale or lease. From my end I try my best to deliver to everyone involved all available information and assistance throughout the stages of the transaction, and always hope for the best. CG: What is one of the most common mistakes people make in relation to real estate that you'd like them to be more aware of ? LAYLA: Nowadays, with all the technology, information is just a click away. However, I believe that it's instrumental in dealing with real estate to hire the services of a real estate professional. Not only can this relationship be time productive but brokers and their agents and especially Realtors are equipped with the tools and experience to guide and assist in this complex matter. CG: What is the number one message you'd like to give your customers? LAYLA: We, as real estate agents, are there for our customers and clients and to do our best in assisting them to achieve their goals. At the same time there is some homework to do, especially for first time buyers and sellers. Frankly, we're not magicians, just a hard working but positive bunch of personalities. CG: Would you share some of your goals within the next few years? LAYLA: Professionally, to help the Guam Association of Realtors in assisting the Guam workforce through a grant, which the association has been awarded. The $50,000 will help GAR's initiatives set for 2011-2012, which include an informational Web site, mini Housing Fair in October, and helping Habitat for Humanity. Personally, I’d like to allocate more time for Guam International Women's Club and their projects and most importantly, to attend my daughter's college graduation.
cific Casa Guam is great. It’s a colorful source of spe ls because cal t ge ays alw I and lic pub ral ne ge the for on informati hip a lot. my advertisements in it. I appreciate our relations
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Dwellings
Creating a Peaceful Home in Turbulent Times
By Kathryn Weber
n times of stress and difficulty, home becomes more important to our sense of well-being. We look to our home to provide a sensory reprieve that allows us to unplug from the stresses of the outside world. In turbulent times, we especially yearn for a serene space. However, creating a calming home isn’t as easy as it seems. That’s because the elements of a serene space aren’t always obvious. Only certain elements create a calming and relaxing atmosphere. What are they? Below are the six elements that create a calm, serene environment.
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1. The home is visually restful. Create views. Seeing out and beyond is restful to our eyes and spirits. Open shades and curtains to view the garden or open spaces beyond. Select artwork that offers perspective and depth, such as those in landscape paintings. Use calming colors. Hotels and spas often use muted colors in their décor to create a soothing environment. They do this by painting trim, walls, and ceilings all the same color. Another technique is to choose colors that are shade or two different from one another. Select muted taupes, browns, yellows, greens, or earth-type colors, as these are calming and relaxing. Limit TV viewing. The sights and images that are constantly changing can be upsetting and graphic. Avoid having it on unless you are watching it. 2. The environment is audibly soothing. Get a tabletop fountain. The gurgling sound of water is extremely relaxing and enjoyable. More importantly, it creates a “natural” sound like those heard in nature. Listen to calming music. Classical or new age music is always a good choice. Listen to this when you come home, while relaxing in the house, or before bed. Or, play it on a whole house stereo system. Turn off the TV. Avoid having the TV on as background noise. Turn it off in favor of music or silence.
3. The home allows you to physically unwind and rest. This starts in the bedroom. Many bedrooms are over-functional and over stimulating. They may have a computer, exercise equipment, desks, stacks of books, etc. to divert attention from what should really be going on in the room: rest , relaxation, and romance. Also, put the bed back into bedroom by taking the TV out of it. 4. It is mentally relaxing. A home must offer a respite from troubling world events, stress-filled work, or other difficulties. Get organized. Order creates calm. If you are running around the house frantically searching for keys, your wallet, your purse, etc., then you are mentally agitated. Designate one space for these essentials and be vigilant about keeping them there. Be neat. Make the bed, hang up your towels, and put the dishes in the dishwasher. Pick up for a few minutes a few times a day so the house stays tidy. 5. The space incorporates natural elements. Asian decorating is often associated with a calm environment. This is because they rely on a heavy use of natural elements. Wood, stone, and plants are all excellent additions to your space. Using these elements liberally creates a relaxing, natural and harmonious atmosphere, effectively bringing “the outside in.” 6. It’s kept reasonably clean. Cleanliness is important for a peaceful home. Unfortunately, most cleaning is done in a large spurt of time, often taking several hours. Instead, keep cleaning items close to the location and take one minute each day to wipe off counters, or run a brush through the toilet. If that’s not possible, hire cleaning help. Kathryn Weber is the publisher of The Red Lotus Letter, a weekly feng shui e-zine with feng shui and interior decorating information. She is a certified master practitioner in Classical Chinese Feng Shui. Log on to www.redlotusletter.com and receive a free lo shu square that unlocks the feng shui potential in your space.
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CONTRACTOR’S CORNER
Highlight on: Fargo Pacific, Inc. in Sik Park (1928-2005), the founder of FPI is a great and successful man who brought FPI to Guam in 1975. He will be gratefully remembered in our hearts, minds and soul. His creativity and beautiful structures he left behind will serve as a foundation for Guam's future. His 45 years of construction management and personal know-how business skills will be passed on from generation to generation. Since the inception of Jay S. H. Park’s career with FPI in 1986, Jin Sik Park became a mentor and teacher to Jay S. H. Park. He personally trained his son the daily management skills including but not limited to bookkeeping and accounting, preparation of business letters and correspondences, filing and indexing, preparation of bids, negotiating and compromising, manpower assessment and distribution, human resources management, conflict management, and project management and its job costing, and decision making. Once Jay S.H. Park became the President of FPI, he immediately initiated and filed the application to the U.S. Small Business Administration's (SBA) to become the certified contractor under the SBA Minority Development (MED), or 8(a)/SDB program. This was a time staking effort but in order to survive the competitive construction market on Guam, this was the viable solution to stay in business. On September 10, 2002, SBA finally certified FPI under the Small Business Administration's (SBA) Minority Development (MED), or 8(a)/SDB program. (SBA 8(a) Case #108557, SBA 8(a) Entrance Date=9/10/2002, & SBA 8(a) Exit Date=9/10/2011) After FPI became the 8(a) certified, FPI was able to acquire many sole sourced contracts, compete on 8(a) set-aside solicitations, and expand its clientele by marketing FPI to various Federal Agencies. FPI received the contract awards from the U.S. Navy and other Federal Government Agencies vis-a-vis the Sole Sourced Contracts, 8(a) Set-Aside Design Build Multiple Award Construction Contract, 8(a) Set-Aside Air Conditioning Multiple Award Construction Contract, and 8(a) Set-Aside IDIQ Roofing Contract.
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Jay S.H. Park also decided to file an application to the U.S. SBA to qualify for the HUBZone Small Business Concern because there were so many 8(a) companies competing against one another to acquire limited work available under the 8(a) set-aside solicitations. FPI is now qualified HUBZone Small Business Concern (SBC) under an application number 20593, SBA Customer number PO215249 dated 9/18/2005. Since then, FPI received multiple Task Orders under the HUBZone Set-Aside Design-Build Multiple Award Construction Contracts from August 2006 to current. FPI with these SBA certifications can participate and more aggressively market it to be more competitive with other contractors here on Guam. FPI specializes in Military Construction, Commercial Construction, Residential Construction, and Maintenance and Facilities Construction. Cassidy's Associated Insurers, Inc. represents as a bonding agent and has procured bonds for FPI since the early 1990s. Fidelity & Deposit Company of Maryland (a subsidiary of Zurich American Insurance Company, Zurich American is A+ rated by A.M. best and is Treasury Listed for $444,663,000) decided to provide single bond of $20,000,000 and aggregate bonds of $50,000,000 to FPI. FPI has an excellent track record with the Surety and has not caused any claims or problems to the Surety whatsoever in relation to their ability to successfully complete any contract undertaken and fulfill all the obligations of payment to vendors. FPI has a strong engineering team for the accurate estimating, monitoring, quality controlling, and managing the projects to its successful completion. Their resumes are readily available upon request via fax or e-mail. FPI also carries its own workforce of skilled journeymen in every description of work categories. Since FPI's workforce being the best resources that FPI has, they are indeed the main driving force to FPI's success in the construction business. Fargo Pacific Inc. (FPI) is a duly licensed general contractor doing business on Guam and Saipan.
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Who Ya Gonna Call
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Classifieds M a n g i l ao
Commercial Rentals
Commercial Sales
H ag a t n a
Ta mu n in g
3rd Floor Residential and 2nd floor commercial space available. Walking distance to restaurant, courthouse and banks! Call DEE @ 727-3777
Business opportunity. Event planning business for sale in a great location. Asking $40,000. Call KAMAKA for more info @ 689-2553
D e de do
Residential Rentals
Nice house on a cul-de-sac street in Latte Hts. 4 bedrooms, 2 baths with all ceramic tiles and split a/c units per room. Newer kitchen counters and appliances. Fenced back yard. Has always been leased to military personnel for their tour on Guam. Asking $2,100 / month. Call DEANNA @ 688-2855
Ag a t
Ord o t-C ha l an Pa go
106 East Sta. Barbara, Dededo 4bed/1 ba corner house, fenced, and gated. Centrally located close to church, school and malls. Asking $1,200/month. Call MYRNA @ 488-0144
Ord o t-C ha l an Pa go Commercial space for rent. Approx 2155 sq ft. Ideal for laundromat, bakeshop, video store or retail business. Asking $2,500/mo. Please call ANGIE @ 727-2228 Commercial space for rent. Approx 850 sq ft., video store or retail business. Asking $850/mo. Please call ANGIE @ 727-2228
Ta mu n in g Tamuning Oka Plaza – 810sf - $648 / 907sf - $816.30 / 1st flr. 907sf - $1,360 Call 637-7165 / 688-0887 / 689-7900 Rocky Business Center Well Maintained Building w/ Elevator. 1000sf -$1,200/ 1,172.56sf - $1,407 / 2400sf - $2,800 Call 637-7165 / 688-0887 / 689-7900 Tamuning Commercial Spaces 500 sq ft ~ 2400 sq ft. Asking $1.15/sqft + common area. Please call 637-7165 / 688-0887 / 689-7900
Tu mon Fountain Plaza for Rent: Finally prime commercial space in the much desired Fountain Plaza. Own your very own business amongst the likes of many long time established busibesses already patroning this plaza. Where can you go wrong, San Vitores road frontage with ample space, there are no lossers and YOU are the winner. Asking $2,700/mo. Please call DANIEL @ 687-5422 Cozy Karaoke Bar on the second floor in the heart of Tumon Bay at very reasonable price. Equipped with Karaoke system with 2 TV monitor, ice box, beer cooler, Split A/C, ceiling fan and 100% back-up generator. Asking $2,000/month. Call MIHO @ 687-7198 26 CasaGuam April 2011
1br / 1ba house, close to schools, stores, beach and church. Asking $600.00. Call 649-8265 or 888-7447
Tumon – Dai-Ichi Condo – 3b/1b, 3rd floor. $1,300/mo. Section 8 OK. Please call 637-7165 / 688-0887 / 689-3333 / 477-7042 Tumon Heights Court - Very Nice 3bd / 2 ba, corner unit, excellent condition, pool. good location. Asking $1700/m. Please call 637-7165 / 688-0887 / 689-3333 / 477-7042 Tecio Tumon Villa: Nice two bedroom two bath condo located in Tumon. Condo is just a walking distance to the beach, stores, restaurants and nightlife. Asking $2,100/month. Call VIC @483-7518
3 bedroom / 2 ba house, close to schools, stores, beach and church. Asking $1250.00. Call 649-8265 or 888-7447
Flora Pago Condo - Awesome 2bd/1.5ba unit w/a redone kitchen, ceramic tiles on the first floor & Berber carpet from the stairs to the 2nd floor. Swimming pool on the grounds. Basic cable, telephone and internet also included. Asking $1700/mo. Please call JEFF @ 777-2227
Asan
P i ti
Tumon 2bd / 2 ba + Den. excellent condition. Asking $1200. Please call 637-7165 / 688-0887 / 689-3333 / 477-7042
Asan Beach House Newly Renovated, Fresh paint and ceramic tiles. Asking: $2,200.00/mo. Call FRANK @ 479-4663
2br/1ba apt close to Port Authority of Guam , NavSta, Polaris, store, church, park and beach! Ocean Breeze Apartments $600. Call 649-8265 or 888-7447
Tumon Holiday Manor ; 4 bedroom, beatifully furnished with pool and BBQ area, near beaches. Asking $3,800/month. Call VICKI for a showing @ 687-3558
Asan 3bd./2ba. Ocean Views Newly Renovated - All ceramic tiles. New a/c's. Asking: $1,900.00/mo. Call FRANK @ 479-4663
B ar r i g a d a 2b/1b, near Subway with water $830/mo. Please call 637-7165 / 688-0887 / 689-3333
D e de do Dededo – 2br / 2ba Ester Gdn(formerly Ester Villa) Apt is near McDonalds NCS and Finegayan Elementry School. This is a must see complex with nice floor plan, central a/c, accordian typhoon shutters, refrigerator, stove/oven, washer & dryer. Sec 8 OK with one month fully paid security deposit & utilities in tenants name. Shows Very Well.$850/mo. Please call 637-7165 / 688-0887 / 689-7900 Great spacious house located near Paradise Estates. 5bd/3bth. Section 8 okay with full security deposit. Call 646-9870/1 Villa Rosario - Large 3BR 2BA Pool/Tennis $1,900. Call 637-7165 / 688-0887 / 689-7900 3Bd/2Bd/1Bd located near schools/church/store and front of park Semi-Furn. Sec.8 & Military OK. Pls. leave message at 632-1200
M on gm on g- To to -Ma i te 2BR 1BA $800 Good Location near Shop 4 Less. Please call 637-7165 / 688-0887 / 689-7900
Ta l ofofo Ipan Talofofo 3 bd House for Lease: Live on this quiet street and enjoy the views, and the breezes. This 3 bedroom 1.5 bath has all ceramic tile, split a/c units large windows, typhoon shutters and security System Installed. Water included and the furniture can stay or be removed by request of the Tenant. Asking $1950/month. Call DEANNA @ 688-2855. MLS 10-1400
Ta mu n in g Daichi Condo 3BR Pool, Security $1,300/mo Call 637-7165/688-0887/477-7042 Large 4BR 3BR Good Location Only $1,350 Call 637-7165/688-0887/477-7042 Tamuning behind GPO - 3 bedroom 2 bathroom, 2nd floor, stove / refrigerator. Asking $800.00. Call CORAL SEA REALTY 649-6088 Beverly Palms Condo; Newly Renovated 3bd./2ba. 2 Story Townhome Asking: $1,750.00/mo. Call FRANK @479-4663 Ypao Apartments 2bd./1ba Directly across Ypao Beach Asking: $1,250.00/mo. call FRANK @ 479-4663
Happy Landing Road, Tumon 3bd, 2ba, Condo : Enjoy your island paradise in this 2nd floor unit within walking distance of Tumon Beaches. Complex has a pool and the unit is all ceramic tile, central a/c and accordion typhoon shutters. Asking $1,900/month. Call DEANNA @ 688-2855 MLS 10-133 Tumon Penthouse for Lease: A Rare Penthouse, Oceanview unit is now available. This large 2 bedroom 2.5 bath Condo was upgraded and is in like new condition. Security, Full Back-up Generator, Pool, 2 parking all go along with your desire for the ''good life'' while on Guam. Water included. You CAN have the dream. Asking $3,800/month. Call DEANNA @ 688-2855 MLS 10-744 San Vitores Terrace Condo: 3bd/2ba, 3rd floor unit with oceanview, upgraded unit with new carpets, pool, security and basic cable TV. $1800. Call Coral Sea Realty 649-6088
Y ig o
Tu mon
Perez Acres: 4 bedroom, 2 bath with pool & playground. Corner unit. Asking $1,900/month. Call SANDY @ 687-6006
Popular Pia Marine 2 bedroom 2 bath units available for Month to Month Rentals. Utilities/Furnitures included with cleaning services. $2400.00. Call Nick @ 689-2939.
Perez Acres: 3 bedroom / 1.5 ba townhouse with extra room great for family room or office, gated and secured community, pool, mail delivery. Asking $1900 . Call CORAL SEA REALTY 649-6088
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Classifieds Residential Sales Ag a n a H e i g h t s Cliff Condo 2BR 2BA Lease Reduced $47,900 Call 637-7165 / 688-0887 / 689-7900
B ar r i g a d a
In a ra ja n 2 bedroom / 2 bath on a living area of 800 sf and 5,526 ± sm lot. Fixer upper home on a beautiful beach front property, over an acre in size. There is already Power&Water if you would like to rebuild. Asking for $628,054. Call DEANNA @ 688-2855
M a n g i l ao Opportunity Knocking.... Buy the home you deserve! Newly renovated 4BR/2BA home with a snazzy kitchen, fenced and waiting for YOU to move now! Asking $445,000. Call DEANNA @ 688-2855 4BR 2BA Near Happy Market 1800SF Only $243,900 637-7165 / 688-0887 / 689-7900
D e de do Newly built Dededo home with 3bed / 2ba house with car covered garage, typhoon shutters, ceramic tiles, nice kitchen, fenced and gated. Asking for $219k. Please call MYRNA @ 488-0144 DEDEDO Multi-Family House located in front of Dededo Park, Library and Mayor's Office. Lots of nearby schools, markets and churches. Income Property with fully occupied and screened Tenants. Property located in a corner lot with fence. This is a wise choice of investment property. For sale by owner. Call now and lv msg at 487-1862. Las Palmas Phase I Great 3bd / 2.5 ba Townhouse style condo. Great for first time home buyer or investor. Complex includes Pool, playground, BBQ cabanas and night security. Asking $195,000. Please call DEANNA 688-2855 Pacific Garden Large 1BR 1BA Condo Excellent Condo $55K 637-7165 / 688-0887 / 689-7900 A nice 3bed/2ba house completely renovated in 2008 with ceramic tiles, french windows and security grills, waiting to be your home. Located in a quiet neighborhood that's perfect for raising a family. Priced to sell at $169,000. Call MYRNA @ 488-0144
Latte Heights House with 3 bed / 2 ba, ideal location with carport, fully fenced, gated, spacious yard with patio. Asking $200,000. Please call ANGIE @ 727-2228
TAMUNING Executive 2 Storey and Spacious House for Sale by Owner. Great location beside Cost-U-Less Tamuning and Guam Premium Outlet. Great lifestyle and community environment with 5 bd/3ba corner lot; nice sized bd on 1st and 2nd flr; luxurious master suite w/ jacuzzi spa tub; quality granite staircases; hardwood railings; crown molding all over the house with open spacious kitchen and stainless steel appliances. Dream home and a good investment! Please call owner/lv msg at 487-1862.
Tu mon M on gm on g- To to -Ma i te
Land For Sale C h a la n Pa go Chalan Pago LAND FOR SALE Great Investments with Lots of Potentials Near Front Road Zone C More than an Acre Size Lv Msge 632-1200
D e de do Dededo Land 18585± Very Nice $85,000 637-7165 / 688-0887 / 689-7900 Dededo Land with 830± sm with R-1 Zoned and minutes to NCS with paved access. Asking $45,000. Call YUMIKO @ 688-7791
HA R M O N Exceptional 3bd and 3.5 ba home waiting for that special family to fall in love with. Enjoy the view, separate refrigeration and stove for the person who enjoys cooking, the pool and the great central location. Asking $630k Call JUDY @482-7775
Ord o t-C ha l an Pa go Quiet, Private, and centrally located 4 bedroom 3 bath house on a 1/2 acre lot. this would be great if you enjoy your privacy and appreciate being close to shopping malls, grocery stores, and schools. Asking $315,000. Call JOYLYN @ 4885069 for a showing. MLS 10-2077 Apusento Gardens Condo : Great price with seller financing. Just like you pay monthly rental, without bank fees. Downpayment is required. Asking $105k. Call JAMES @482-0498
Ta l ofofo Talofofo Homes for Sale: Great starter home on large lot with fruit trees. Outside kitchen and laundry room with metal roof attached to house. Asking $85K. Call LIBBY @ 686-2627
Priced to SELL! Rare Tecio 2 bedroom 2 bath unit for only $265,000. Ocean View, 909 sq ft. Fee Simple Call Nick @ 6892939 for easy showings.
Y ig o Yigo Duplex, income producing 3bd/2ba each unit on half care lot. Only minutes to AAFB Asking $298k. Call ROWENA @ 777-4317 Don't miss out on this very well priced 4 bedrooms with 2.5 ba with 1,687 sq ft at the end of a quiet culdesac in Marianas Terrace in Yigo. Price REDUCED to $169,000. Call RENEE @ 777-7071
P i ti Turner Rd. - Channel 10 - (Nimitz Hill) Piti. 151,508 sq. meters of unobstructed ocean views Asking: $2,300,000.00 Call FRANK @ 479-4663
S an t a R i t a
Yon a Winward Hill Estates: Lovely 4 bedrooms / 2.5 ba with beautifully upgraded kitchen and bathrooms, nicely appointed living & dining spaces & bedrooms. Large, well maintained yard with lots of gorgeous plants, flowers, trees and a cozy verandah & spacious tool shop in the middle of it all! Come see this beauty in Yona. Asking $289,000. Call MARILOU @ 988-5600
Ta mu n in g Private and secluded Tamuning 3bed/1ba house with partial ocean and city view. Recently painted and upgraded with ceramic tiles, french windows and accordion typhoon shutters. Fenced and gated, and comes with 4 split A/Cs'. Asking only for $229K. Call MYRNA @ 488-0144
Presently being used by owner to store vehicles. Property is View lot next to last lot below Airport Exit Traffic Light on Pangelinan Blas Street in Harmon/Tamuning. Axcess is paved road with side-walks, water and sewer. Power is up to adjacent lot below. Asking $490,000. Please call 6377165 / 688-0887 / 689-3333 / 477-7042
Baza Gardens 3bd./2ba 1,600 s.f.Extended with game room. Asking $175,000.00. Call FRANK @ 479-4663 Baza Gardens - $169,000 - Best Deal! 3 BR 2BA corner lot home in great condition - call for details...Asking $169,000. Call LIZ @ 687-0911
MLS - 10-1088 Santa Rita Land, 2,023 + / -sm, A - Zoned, Mountain View, Paved access. Asking $99,000.00. Call DENNIS @ 727-3815 MLS - 09-2086 Santa Rita Land, 1,003 + / -sm, Paved access. Panoramic Ocean view. Asking $129,000.00. Call TOM @ 688-8196
Ta l ofofo MLS - 10-2308 1,041 + / - sm, level topography, paved access, A - Zoned, Fee simple Asking $49,000 Call JEFF at 777-2227
Y ig o Great Price! LOT 4,417 +/- Sq Meters. What more can you ask for. Fairly level property with utilities near by. Asking $80,000. Call JOYLYN @ 488-5069 for a showing.
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Closing
Message from the Executive Officer By Peggy Araullo Llagas
April is the REALTORS® Fair Housing Month… A REALTOR® Fair Housing Declaration I agree to: • Provide equal professional service without regard to the race, color, religion, sex, handicap, familial status, or national origin of any prospective client, customer, or of the residents of any community. • Keep informed about fair housing law and practices, improving my clients' and customers' opportunities and my business. • Develop advertising that indicates that everyone is welcome and no one is excluded;, expanding my client's and customer's opportunities to see, buy, or lease property. • Inform my clients and customers about their rights and responsibilities under the fair housing laws by providing brochures and other information. • Document my efforts to provide professional service, which will assist me in becoming a more responsive and successful REALTOR®. • Refuse to tolerate non-compliance. • Learn about those who are different from me, and celebrate those differences. • Take a positive approach to fair housing practices and aspire to follow the spirit as well as the letter of the law. • Develop and implement fair housing practices for my firm to carry out the spirit of this declaration. Call your favorite real estate professional today, a member of the Guam Association of REALTORS® who pledges to always conduct their business in keeping with the spirit and letter of the strict Code of Ethics. 28 CasaGuam April 2011
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