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CONTENTS
Message From GAR
Departments 4
Market Report Overall Sales Volume Up from 2010
8
Feature Unsung Players
10
Appraisers play a key role in home-buying process.
11
12
Cover Story The New Camacho Landmark Center Our Environment Head Sub
18
Profile Ronald Pangilinan Young and Driven
October 2011 • Vol. 4 • No. 10 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| Darrell T. Pereda John Mendiola Vince Cruz Doris Pangelinan Emily Untalan
|Traffic/Circulation Manager| Josie Redmond
22
24
From the Experts It’s not Easy Being A Realtor Contractor’s Corner Highlight on: BME & Sons, Inc
29
Who Ya Gonna Call?
30
Classifieds
32
Closing Guam Association of Realtors® Housing Opportunity
|Production Manager| Mark S. Burke
|Graphics & Layout| Mark S. Burke Jon Barnhart Edwin Valencia
|Editorial Contributors| Faye Varias Creative Services Anthony Godwin W. Nicholas Captain Peggy Araullo Llagas Shaina Santos Daniel Calvo Angela Rosario Calvin Hernandez
CasaGuam is Published by:
Message from the President By Anthony R. Godwin e-pro®, CRS®, ABR®, ASP®, AHWD®, REALTOR®
D
ear Readers, GAR hosts Home Ownership forum in October The Guam Association of REALTORS® (GAR), in connection with the IRA Gribin Grant funded by the National Association of REALTORS® (NAR), is hosting a public forum on October 29th at the Hyatt Regency Guam. During the four hour “Empowering You To Be A Homeowner” forum, attendees will have the opportunity to hear from real estate industry leaders as well as local and federal government officials to address Guam’s workforce housing challenges, to highlight solutions and best practices to overcome those challenges. “REALTORS® build communities, and we know that helping people live where they work is part of that,” said NAR President Ron Phipps, and broker-president of Phipps Realty in Warwick, R.I. The “Empowering You To Be A Homeowner” forum is a tremendous opportunity for attendees, REALTORS®, organizations and officials to work together to help solve the housing challenges that our workforce faces. There is a crisis in affordable housing opportunities for low- and moderate-income families across the country, and the forum will not only bring this issue to light, but will also encourage efforts to make housing more affordable to working class families on Guam. The forum will include solutions for down payment assistance programs, guaranteed loan programs, conventional loan programs – all designed to create more opportunities for home ownership. All the key players will be here…. guest speakers from Guam Housing & Urban Renewal Authority, Guam Housing Corporation, USDA Rural Development, GAR and more! As home costs continue to outpace wages, many families can no longer afford homes near their workplaces. That includes people who provide vital services such as teachers, firefighters, first responders and police officers. The lack of affordable housing leads to longer commutes, sprawl and traffic congestion, which ultimately lessens the quality of life for all residents. “Empowering You To Be A Homeowner” is part of a series of forums hosted by the Guam Association of REALTORS to address workforce housing. Check local newspapers and radio stations for information on arranging attendance at these events. Celebrate Family. Seize the day!
GUAM ASSOCIATION OF REALTORS® The Voice for Real Estate on Guam
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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Christina’s Deals of the Month! TAMUNING - $1.6M Golden Motel 26 Rooms, Fee simple land improvements, equipment and generator.
TAMUNING - $9,000/mo 2 Storey Comm. Bldg.
YIGO - $360K
Over 30,000 sq ft, fee simple, negotiable Motivated seller.
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.
Call Christina!
MLS#10-4002
CHALAN PAGO - $235K or Rent $1,300/mo Central location. Cozy 3 bedroom, 2bath home.
888-8626
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By Nick Captain
Market Repor t
A
Overall Year to Date Sales Volume Up 28 Percent From 2010 Guam Median Housing Price Hits New Record
ctivity Update – Overall year to date real estate sales activity on Guam reached over $165 million and increased by 28 percent compared with the first half of 2010. The second quarter of 2011 reflected yet another median price record for a Guam single family house at $268,000, up a remarkable 26 percent from the same period in 2010. The median price increase reflects a combination of more new homes sold, plus a rebound of activity in the high end residential sector. Second quarter single family housing unit sales reached over 150 units and reflected a sharp increase of 31 percent from the first quarter. In the condominium sector, the median price reflected $142,000 during the second quarter of 2011, up 19 percent from the year earlier period. The overall increase in mid-year sales activity occurred despite the sharp 37 percent decline in quarterly sales volume during the second quarter, due primarily to a dearth of high priced deals. The Guam real estate market reflected islandwide sales volume at around $20 million per month during the second quarter of 2011, roughly the same transaction volume during the year earlier period. Major transaction activity was minimal during the past quarter with only one sale priced over $2.0 million during the entire three month period, highlighting extremely weak foreign investment activity. Although 2011 second quarter figures reflected only 40 percent of the peak $160 million achieved during the second quarter of 2007, sales remain roughly double the second quarter sales volume reflected during the four year period from 2000 to 2003. The impact of negative weak foreign investment reversed the three year trend of second quarter sales volume growth. Except for the market bottom in the first quarter of 2009, the latest period reflected the second weakest quarterly sales volume in five years. Single family housing sales have been remarkably stable with between 140 and 160 units sold quarterly, relatively consistent since mid-2003. During the second quarter, nine single family houses sold at prices above $500,000 and five condominium units sold at prices above $300,000, as the high end residential sector continues to recover from recent lows. Notably, recent land sales reflected strong unit rate prices with an Agana site achieving nearly $500 per square meter, a recent record for land outside of Tumon. There were land sales along Marine Drive, Ypao Road and even Tumon Heights Road that reflected unit rates above $300 per square meter during the second quarter of 2011. Overall, Guam’s real estate market through the first half of 2011 remains in recovery from the anemic market conditions reflected following the financial market meltdown in 2008. The second quarter of 2011 reflected growth in several important sectors including single family dwellings sold. Although a lack of foreign investment contributed to second quarter sales volume shrinkage of 37 percent, year to date sales reflect 28 percent growth compared to 2010. Captain Real Estate expects to see a continuation of this volatile cyclical
4 CasaGuam October 2011
activity in the near term as lenders struggle to find buyers that qualify with stricter requirements, foreign investors remain skittish, and mixed signals continue to dominate the proposed military build-up. Although market conditions remain tenuous, we haven’t witnessed any type of mass market exodus or explosion of foreclosure activity that caused prices to collapse in the early 2000s. Properties priced at market levels continue to sell, as evidenced by the recent Tamuning Industrial Park transaction and the growing number of high end residential sales. Sellers looking at 2007 and 2008 as price indicators may be challenged to move real estate in the near term, although the recent commencement of Mamizu funded military build-up activity, low interest rates and an extremely weak U.S. dollar lend favorably toward more optimistic projections, as well as the eventual return of foreign investment. While the short term outlook is generally weak, investors appear focused on potential mid and long term growth associated with the build-up.
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In our Community
Guam Association of REALTORS® Holds Expo to Encourage Homeownership o some, homeownership may seem like a foreign concept that isn’t financially achievable. But thanks to the Ira Gribin Workforce Housing Grant, the Guam Association of REALTORS® is in a position to help more people become homeowners. With this grant, the Guam Association of REALTORS® (GAR) has created the Workforce Housing Opportunities program, which aims to provide education for consumers and REALTORS®, start a public awareness campaign to inform residents about programs available to them, as well as create a Web site to which people can refer anytime. “This program is instrumental to helping people in Guam achieve the dream of homeownership,” says Peggy Llagas, executive officer of the Guam Association of REALTORS®. “It aims to show that you don’t need to be wealthy with a lot of disposable income in order to own a home.”
T
GAR’S Workforce Housing Opportunities program includes education and outreach for REALTORS, homebuyers, and the general public. Under this program GAR will assist Habitat for Humanity of Guam (HFHG) home recipients by donating $5,000.00 each for two families selected by HFHG; host a 2-day REALTOR® mini-housing expo to provide REALTORS® with information they need to effectively communicate the affordable workforce housing resources available on Guam to potential homebuyers; feature industry-related experts in a public seminar targeting workforce and first-time homebuyers and develop a Web site targeted for at that same audience. The mini-housing expo is set to start on Friday, Oct. 28 for REALTORS® and then open to the public on Saturday, Oct. 29. Various key players in the housing industry will be present to speak about the numerous programs available for the public to learn about and utilize. For more information, please contact Peggy Llagas at the GAR Office at 477-4271.
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Feature
In the home-buying process, there are some behind-the-scenes players that seldom get the credit they need. One such player is the appraiser. According to Allie Mae, when you take a mortgage to buy a house, the lender requires an appraisal -- a neutral expert's estimation of the home's fair market value. The appraise considers many factors including, condition, size, location, and amenities of the property being appraised. He will then compare your property to the prices of comparable homes that have been sold in the area.
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UNSUNG PLAYERS Appraisers play a key role in home-buying process. By Faye Varias
Lenders require this appraisal because it would be bad business to lend more than the house is worth. Bruce Dinsman, owner of Pacific Island Appraisals says a licensed or certified appraiser is selected by the bank by whatever process they use (Bank of Hawaii or First Hawaiian Bank, for example, have a total blind system so their computer assigns the next qualified appraiser on the rotation). “Most of the rest of the banks here on island still use an approval list (this is going away stateside), so the underwriting department has a rotation of approved appraisers and the next person gets the next case,” he said. Dinsman says the appraiser schedules the inspection, inspects the property, values the property and improvements, and compares them to recent sales of similar size in the subject’s area. Once analysis is done, the report is written up and submitted to the lender/clearing house for review. When the bank is happy with the appraisal, they schedule a loan closing and should provide a copy of the appraisal to the customer. He said, “I make this point because we often get calls from the bank’s customer (you for instance) wanting to know the value of the property and insisting you have the right because you paid for the appraisal. Federal banking laws require for any conventional loan the bank is the client. The banks’ customer is the property owner/buyer.” Aside from the homebuying process, a licensed or certified appraiser also does other things.
“We do a lot of private work for lawyers (divorce, probate), Realtors – client wants to know why it’s not selling, Realtor wants an accurate sketch to upload because they are liable for what they list. Contractors for bonding, other private parties for Bail bonds, or just simply I want to know what it’s worth before they sell it or try to refinance.” Dinsman says there are also different types of value used in different circumstances … most often Market Value is used for underwriting conventional loans and most other uses. Investment Value is a term applied to an income property value where the appraiser has been asked to value or forecast an income stream. Most often, he also says cost doesn’t necessarily reflect value. Cost quite often exceeds what a market will bear because of personal choice, immediate market situations and other reasons. “There is a list out from NAR and HGTV that reviews costs of renovations and their expected outcomes in price … kitchens and bathrooms are always in the 90 - 100% area, pools, fences, landscaping typically at 40%,” he said. “We need to be more visible as an entity in the real estate industry with more of a positive light about what we do. Appraisers in many cases are like the Title Company, unseen, unsung and impartial as we can be about every transaction.”
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Urban Renewal
Tamuning Gets A Faceli CAM5 Real Estate LLC Develops a new commercial center across from GPO You can feel the energy in Tamuning. In the cars coming and going, in the contracts being signed, the appointments made, the proposals finalized, in the clink of the glasses and the swivel of the doors. More than 80% of Guam’s premiere hotels and restaurants can be found in this area. Tamuning is where we work, where we shop, where we dine, where we conduct the day-to-day business of our lives. Tamuning is where we connect to the rest of the world. The new Camacho Landmark Center, 178,000 square-foot complex will sit in the heart of Tamuning, at the bustling intersection on Marine Corps Drive and Chalan San Antonio. A first-class commercial center designed with the modern professionals in mind. The first phase Building C is set to open its doors in 2013 and will be the new home for Personal Finance Center. Buildings A and B will be constructed in the next phase. As CAM5 Real Estate LLC, the Center’s developers, we have worked to create a distinctive property that complements the superiority of its location. We have partnered with RIM Architects LLC to realize our vision of an elegant, efficient, and accessible home for professionals, corporate offices, financial businesses, light retail, and other commercial activities. The Camacho Landmark Center is comprised of three integrated commercial buildings, designed to meet LEED Silver Certification standards. With abundant natural light, solar water heating, and methods for reducing energy demand, our center’s units are highly functional, environmentally sustainable, and pleasing to the eye. Along the Marine Corps Drive thoroughfare, at the center stage of the island’s commerce, the ability to captivate the eyes of passing motorists isn’t merely an advantage—it’s a necessity. RIM Architects has designed building facades that are eye-catching from the street level, drawing motorists in via one entrance from Marine Corps Drive or two entrances from Chalan San Antonio. Monument signage will be strategically placed at each entrance for maximum visibility, taking further advantage of this major conduit for the island’s local, tourist, and military populations. Once at the Camacho Landmark Center, patrons can choose from 400 parking stalls placed for their convenience. At the Camacho Landmark Center, visitors will find stunning views of the development and bustling intersection, easy access to businesses via multiple stairways and elevators, and a place for leisure breaks in the Breezeway, an outdoor
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seating area where refreshments will be offered from tasteful kiosks. The commercial spaces on the ground level of the 21,000-square-foot Building A, with superior frontage along Marine Corps Drive, are ideal for a coffee shop, juice bar, small restaurant, pastry shop, bank branch, pharmacy, or similar business. On the second floor, we envisioned corporate and professional offices, or even a fitness center. Our 114,000-square-foot flagship building, Building B, provides spectacular views and anchors the Camacho Landmark Center. Here, we envisioned an upscale environment for board certified medical practice, legal firms, accounting firms, foreign consulates, and offices for engineering, architectural or other technical professional concerns. The Center’s proximity to Guam Memorial Hospital, the courthouses in Hagåtña and the Superior Court of Guam satellite facilities in Dededo, major CPA firms, financial institutions, commercial business centers, and a host of other conveniences, is nothing short of ideal. The Camacho Landmark Center is part of a vision of Tamuning carried through three generations of the Camacho family. In the 1950’s, carpenter and Tamuning resident Felix Martinez Camacho understood the area’s potential, envisioning a major center of commerce in the coming decades. It was this foresight that led him to acquire prime real estate properties along Tamuning’s major roadways. Today, the families of his four sons and daughter continue to honor that vision. Controlling real estate holdings through the Camacho Family Real Estate Trust and CAM5 Real Estate LLC, the Camacho family remains deeply committed to the island’s community and environment. “We are a local company,” said Michael Camacho, president and CEO of CAM5 Real Estate LLC and Personal Finance Center, “so we encourage local businesses to inquire for space in this facility.” “We want to attract local businesses that will remain for a long period of time,” Camacho said. The concept of the Camacho Landmark Center was inspired by the family’s strong values, and by CAM5 LLC’s collective professional experience on island in the fields of business, law, engineering, medicine, and music. “We’re very excited,” Camacho said, in announcing the new development. “We simply thought that the timing was right.”
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Our Environment
Now We’re Cooking With Gas!
By GRESCO
hat do a stove, dryer and water heater have in common? That’s simple, they all produce heat and they all use a whole lot of power. Another thing that these appliances have in common is that they are available in electric AND gas Many homeowners are now looking at ways of reducing their utility bills and going a little greener. By converting to a gas appliance, not only are you saving on your monthly power bill, but you are not contributing to the carbon emissions given off and put into our environment that contributes to pollution and increasing your carbon footprint. LP (liquefied petroleum) Gas is a clean burning fuel that can be used for cooking, heating and now in some vehicles. Most homeowners are concerned about safety of having a tank filled with gas, but with proper care and the right servicing, having a gas tank at home is just as safe. There are so many advantages when using gas appliances over electric.
W
GAS Stoves vs Electric Many consumers argue that electric stoves upfront cost are less expensive than a gas stove. This is true, but usually no less than around $50. However, the long term cost of a gas stove is cheaper than that of an electric stove. Also, temperature control on a gas stove is a lot more convenient when cooking that awesome dinner for your friends and family. Almost all restaurants use gas stoves and appliances when cooking to provide customers with quality, great tasting meals. Gas stoves are usually equipped with sealed
burners which minimize the mess if something spills on the cook top. On the other hand, stoves with electric coil burner generally have detachable drip pans, but they can need frequent cleaning and can become dull and dirty with use. With people learning more and more about LP Gas and cooking, the market is seeing a lot more appliances out there such as gas BBQ grills and portable gas burners.
Gas Heaters and Dryers Just like stoves, the upfront price an these appliances are a little higher than the electric. However, these appliances require just a little amount of gas to produce the same amount of heat as the electrical ones. It also uses almost half the amount of time. Because these appliances use less energy, this will save you on your monthly electrical bill. Many consumers are now making the switch from electric to gas in efforts to save a little more on their energy bills and live a little greener. Save money and help save our environment. Stop by GRESCO Yigo or Mangilao for more information or call 653-4887 or 734-4886–8.
GRESCO POWER YOUR LIFE
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Mangilao $2,200/mo
MLS# 11-2611
Jackie Perez
777-4289 REALTOR®
jperez@remaxguam.com
Open floorplan; porcelain tile floors, custom kitchen, lots of unique and practical details in the design;great back patio kitchen. Pitch roof, high ceilings;large jacuzzi tub;HUGE master bdrm, bath, walkin closet; large large rooms; semi enclosed double carport. right in the middle between AAFB & Naval Station!
Tamuning $670K Executive 3BR/3BA home you have been looking for, with all the right touches, perfect location.
MLS# 11-1016
Liz Duenas
Yona Land for Sale $60K
Tamuning $695K
Nice lot in semi secluded area, just under three quarters of an acre. Great place to build family home. Power and water access. Land is below street level, great for split level ranch house.
Executive Neighborhood, spacious home with high ceilings,huge master bedroom, landscaped fenced yard, 2 car carport, stainless steel refrigerator & stove - Your Family will just love this 2 story HOME!
MLS# 10-4337
687-0911 Associate Broker
lduenas@remaxguam.com
MLS# 10-3295
Talofofo $2,200/mo
MLS# 11-3444
Tamuning $1,900/mo Stay in Shape! Rent this newly renovated 3bedrm/2bath unit on the 3rd floor. Warm color palette make it easier to decorate. Stainless steel appliances, Swimming Pool, two assigned parking stalls. Save GAS! Convenient central location-so close to shops, beaches, schools, churches, restaurants, movie theaters, etc.
Are you the private, outdoorsy type that needs lots and lots of outdoor space? Great! Rent out this quaint little house which sits on 11/2 acre lot. A rustic backyard kitchen/bbq area is super for entertaining. Located next to the Talofofo caves. he whole kit and caboodle is also up for sale (MLS 11-3511).
Barrigada Heights $2,500/mo
MLS# 11-1988
Yigo $428K Mature trees surrounding this brand new 4bd/3ba home give it the feeling of a more established neighborhood! Master bedroom opens to spacious back patio. More executive type homes in the area. Close to AAFB.
Evelyn San Gil Patricia Feore REALTOR Burke 688-6989 REALTOR pfeore@remaxguam.com 488-2703 www.guamrealestatedeals.com ®
®
Fully fenced 4-bedroom (large rooms!), stainless steel appliances, & a great backyard for kids and bbq. Easy to love.
eburke@remaxguam.com
MLS# 11-3520
Yigo $2,450/mo
MLS# 11-3101
Sinajana $2,450/mo This fully fenced house comes with SUPER-SIZED rooms – and a supersized deck to enjoy the mountain views. Kitchen boasts of plenty cabinets.
4-bedroom house on a sprawling fenced half acre yard just minutes from AAFB. A “home” for you, your kids – and your pets.
MLS# 11-2447
MLS# 11-3660
Dededo $1,582,713 MLS# 11-775
Irene Cruz
797-2109 REALTOR®
icruz@remaxguam.com
Dededo $1.2M Two acres of prime commercial land fronting Rt 3 towards NCS. Left corner as you turn into the entrance of Okudu High school. Owner negotiable.
4 acres of Prime Commercial vacant land. Near South Finegayan housing area. 6 other adjoining 4 acre parcels available. Intention to sell all parcels at same time, same price. Owners negotiable.
MLS# 11-677
Dededo $1,582,713 Lot 5311-10. 4 acres of prime commercial vacant land near South Finegayan! Total of seven adjacent lots at 4 acres each) for sale. Same price. All lots to be sold at same time. Owners are negotiable.
MLS# 10-3413
Santa Rita $555K
MLS# 11-1871
Dededo
$49K IF you are looking for Tumon something simple, this Quiet location, flat easy lot $90K would not be it! 5,600+ sm with 2,026sm. Looking for Tumon View Condo, of land, over 3,000 sf of potential? Look no more! Wonderful 2bd/1bath in the living space. 6bd/4.5ba heart of Tumon. Live close to Here it is at only $49,000. home in Santa Rita! Utilities are on the paved road. the beach and shopping centers.
MLS# 10-2666
Gina Campos 687-8885 Assoicate Broker
gcampos@remaxguam.com
MLS# 10-4322
Yigo $40K
Dededo $2,000/mo This fully furnished 3 bedroom 2 bathroom house features a brand new kitchen, renovated bathrooms, ceramic tiles, and perimeter fencing. Yard maintenance included.
MLS# 11-2123
Coleen Blas
727-6902
Libby Pier
686-2627
Affordable!!! Own this half acre of land at the end of Chalan La Chance. Great place for farming or starting your own family compound. Four other neighboring lots also for sale. Seller more negotiable if you buy all five! Buyer to do due diligence regarding availability of utilities.
MLS# 11-3017
Yigo $238K
REALTOR®
REALTOR®
Yigo $2,200/mo
cblas@remaxguam.com
www.coleenblas.com
MLS# 11-2744
Come see this fully fenced 3 bedroom, 2 bathroom home in great condition. Spacious floor plan with split a/c's, ceiling fans, and typhoon shutters.
lpier@remaxguam.com
MLS# 11-2917
Private corner unit w/ jungle view from the patio. Move-in ready w/ completely renovated kitchen & bathrooms. New stainless appliances & custom designed concrete counter in kitchen. Jacuzzi tub/shower combo in master bath. Marble tile downstairs & ceramic upstairs. Renovated mahogany staircase. A MUST SEE unit with personality!
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Yona $325K
Mangilao $1,600/mo
Newly built home as you enter Yona. Convenient location in a residential neighborhood. Great floor plan, lots of storage. Beautiful tile work.
This 5 bedroom 2 bath house is tucked away in the valley by Marine Lab, UOG.
MLS# 11-675
MLS# 11-3391
Vanessa Cabe
MLS# 11-3252
688-1210 REALTOR®
Mangilao $695/mo Almost New -Mangilao apartments with designer touches throughout. A/C, spacious kitchen, dining area, large patio, storm shutters. Fresh & Clean!
vcabe@remaxguam.com
Yogita “Payal” Hemlani
Tumon $249K
482-5263 REALTOR®
phemlani@remaxguam.com
MLS# 11-3441
Mongmong-TotoMaite $300K
MLS# 11-2328
Tamuning $170K Well maintained unit. 3br 2ba close to shopping &school. Price is negotiable
A well maintain 5BR 3BA house located in the heart of MongMong-TotoMaite. Fabulous Yard work and landscaping. Concrete fenced and gated with ample yard space. Sold ''AS IS'' Condition. MUST SEE TO APPRECIATE.
Barrigada $320K
Dededo $675/mo MLS# 11-3322
Yona 449K Luxurious Executive style home in Yona with partial ocean view from the second floor balcony. This house consist of total 7bedroom and 5bathroom.
This is the WOW factor you've been looking for...Great complex in the heart of Tumon with spectacular Oceanview from the balcony, remodeled kitchen, new cabinets,center island seating and ceramic tile throughout. Just a short walk to the beach from this unit.
Ki Myong Song 929-5398 REALTOR
®
Newly renovated studio. Great layout with lots of space to move in! Fantastic location, ground floor. Includes some furniture. A walk to the mall!!
ksong@remaxguam.com
MLS# 11-2536
Tamuning $800/mo Perfect Location - Walk to Work... Located across the street from the Guam Premium Outlet.....
Consider taking a look at this great 4 bedroom 2 bath Barrigada Heights home, conveniently with 2 accesses. Home sits in a cul-de-sac with great neighbors. A must see, call your favorite REALTOR® for a showing.
Nicole Sablan 988-6865 REALTOR®
nsablan@remaxguam.com For more information and pictures go to www.nicolesablan.com
MLS# 11-2993
MLS# 11-3065
MLS# 10-4275
Dededo 56K
MLS# 11-2733
Dededo 1,900/mo Nicely renovated Las Palmas, with upgraded kitchen. Just a few steps from the bbq pavilion. Take a look at this unit Today!
Attention: Investor's & First time Homebuyer's, here's your chance to invest in a piece of Guam. Affordable starter home walking distance to shopping and restaurants. Available for viewing anytime. Call a REALTOR® now!
Mangilao $2,200/mo
MLS# 11-3524
Dededo $245K Kim Kardashian would totally invest in this home. Income producing, at $2200/mo and nicely upgraded NEW Granite countertops. Set up an appointment to show this house today!
Tamuning $2,450/mo
Jodee Duenas 727-5633 REALTOR®
MLS# 11-2889
Live in a nice cul-de-sac in Latte Heights. This home has 4 bedroom and 2 baths. Nicely upgraded. All ceramic tile, fenced back yard, wood blinds and split a/c units. You will really feel at home.
jodeeduenas@remaxguam.com
For more information and pictures go to
www.showmeguam.com
MLS# 11-200
MLS# 11-2393
Asan $2,200/mo Unique floor plan to this 2 story rental unit which overlooks Asan Village. Enjoy views and extra outdoor living areas. Split a/c's, Ceiling fans and gas appliances keep your power bill affordable. Imagine watching the sunset from your rooftop Oasis.
Location is great. Close to shopping, businesses and schools. This 3 bed 2 bath with inside laundry has all ceramic tile, new solid wall fence and gate, with the kitchen in the heart of the home. Also available for sale mls #11-3375.
MLS# 11-2762
Ron Pangilinan 687-8871
MLS# 11-3377
rpangilinan@remaxguam.com
Tamuning Reduced Price $1,700/mo
MLS# 11-1411
Jean Sablan 898-2112
REALTOR®
REALTOR®
Yigo $2,550,255
jeans@remaxguam.com
Great Cleared Lot For your New Commercial Complex. Commercial/Agriculture. Power/Water/Sewer Close by.
MLS# 11-3452
688-2855 REALTOR®
dpalmer@remaxguam.com
Tumon $270K Guam's own Wakiki Beach. This fabulous corner unit in San Vitores Terrace could be yours. Upgraded to be one of the best units in the complex. A must see!! Enjoy the OceanView just outside your living room & walk the short distance to many restaraunts & shopping stores. You can also stay at the complex & take a dive in the pool.
Deanna Palmer
Centrally located in Tamuning behind Airport Hotel comes with yard service, outdoor covered lanai, outdoor half bath on end of street for privacy. Home shows very well - call your REALTOR® for showing arrangement.
Mangilao Reduced Price $1,700/mo 3bdrm 2.5ba SFD with large yard plus additional detached storage/laundry room. Has been validated by Navy Housing.
MLS# 11-3250
E!
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Profile
By Shaina Santos
Young and Driven
Ronald Pangilinan shows even youngsters can be very professional.
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Ronald Pangilinan REALTOR®, Remax Diamond Realty
Age: 24 Degree: Pursuing a Bachelor's of Science Degree in Business Management Hobbies: Exercising, Running, Spending time with family Motto: “The difference between a successful person and others is not a lack of strength, not a lack of knowledge, but rather, a lack of will.” - Vince Lombardi
it's a mistake, they're not really informed. I still have a lot to learn.” He credits Liz Duenas and Gina Campos, brokers, who continue to teach him. “There's a lot to learn in real estate. And I'm thankful that I can go to them,” he said. About Casa Guam Magazine: “I think it's one of the number one real estate magazines out there. I would say it's a five star, first class restaurant.”
People start thinking it's about the money. The moment you start thinking that, you won't be successful.
16 CasaGuam October 2011
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At 24, Ronald Pangilinan, Realtor, Diamond Max Realty has found his calling. In his second year in the field, he already knows what it takes and is ready to take it all the way. Growing up with two of his relatives in real estate, he feels that he has had a good combination of influences that have pushed and prodded his career. “I've always been fascinated,” Pangilinan said about the field, recalling his father, a property owner, bringing him along to work and passing on his knowledge. Though taking on a career at an earlier age spells success, being a young professional in the field, Pangilinan says, has been his biggest challenge. “It's hard to carry an image that other people hold as a title,” he explained that customers may be discouraged to work with a younger professional, feeling that they may have less experience and knowledge. “You have to know what you're talking about,” he said, emphasizing the importance of professionalism and maturity, “showing your clients that you are a hard worker... I'm driven, I'm new, I haven't worked real estate for thirty years, but I'll work hard for you,” he said. “I think the number one thing in real estate is that you have to be disciplined... If you're not, you don't get a paycheck. If you want to make $100,000, it's your decision.” In the next few years, Pangilinan hopes to take his career further and invest in property, much like his father. “I want to sleep and earn money,” he said, though he maintains that it isn't really about the paycheck. “People don't understand it's a 24/7 job. People start thinking it's about the money. The moment you start thinking that, you won't be successful. It's about helping people.” Pangilinan says that the most rewarding part of his job is seeing his clients happy. “It's seeing my clients grateful,” he recalled one of his recent closings, “They never thought they would be able to get into that house. It's the experience of meeting people. It was an experience I never imagined I would experience at my age. I feel lucky. It's an amazing feeling.” Pangilinan, who became a realtor through an apprenticeship program by Remax, has worked smart, which he emphasizes over working hard, to learn his profession. “I was put into situations and I was trained how to become a good agent,” he explained that part of his training involved learning to apply for loans, apply for water, so that he could relay to his clients what they can expect. “People don't understand the bank qualification process. The process of buying a house. I don't think
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From The Experts
It’s Not Easy Being a REALTOR®
By Sol Abat
REALTOR®, Century 21 Commonwealth Realty
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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
18 CasaGuam October 2011
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 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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All About Tile & Grout ile and grout is fast becoming the material of choice people make to enhance the look of their floors and their home. Many people choose to install tile and grout in their kitchens, bathrooms, and hallways. It looks much better than the typical linoleum floor. There are so many choices of tile that you can choose from to accomplish just about any “look” that you’re trying to achieve. However, just about everyday we come across many people who are very frustrated with this investment. It seems after a couple of years the floor becomes more and more difficult to keep clean. The tile loses its luster and the grout becomes filthy. Even though they spent hours, maybe even days, on their hands and knees trying to keep it clean. Unfortunately, most floors are not sealed after it is installed. This is the root of the problem. You see, grout is like a sponge. It will absorb grease and dirt very quickly when it is not properly sealed. This creates a breeding ground for bacteria to grow and bloom. When it gets to the point where they think nothing can be done, they start to consider replacing their floors. Another very sizable investment. Does this sound like you? Well, there is light at the end of the tunnel! Most tile & grout can be restored to “like new” condition; or very close to it. This starts with having a professional floor cleaning company coming to your home or business and providing a thorough inspection and giving you a FREE Demonstration of their service. This way you will know what to expect from a professional restoration. We will cover what is involved with restoring and maintaining your floors.
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Cleaning and Restoration Most floors over one year old will need to be restored to bring it back to its natural beauty. If the floor was properly sealed when it wast installed, restoration probably won’t be needed. Restoring tile and grout requires a few steps. First we will degrease the floor to remove as much oils, dirt, and grease as possible. Next, we restore the grout with a special grout line restoration product. This will help remove most if not all surface staining. This process also “opens” the grout for proper sealing. When doing these two steps, mechanical agitation, strong rinsing and vacuum equipment is required. After the cleaning and restoration, the sealing will begin.
Sealing Two basic types of sealers are clear or color seal. A clear sealer is used on most grout when you want to keep that same color. The sealer is liberally supplied and worked into the grout lines. It is important to choose a high quality impregnating sealer. Cheap silicone sealers do not last very long. After sealing it is important to maintain the floor using the right cleaning agents and tools. You should not use harsh chemicals as this will only damage the sealer and grout.
Color Sealing If you are not happy with the way your grout looks after a restoration cleaning, you can change the color of the grout without regrouting. Instead of a clear seal you choose a color of your liking. This process gives your grout a “Brand New” appearance. It gives the floor a whole new look. This process makes the grout lines resistant to staining. Once again it is important to maintain the floors properly following this process.
Maintenance Once the floor is restored and sealed, maintain the floors with a professional cleaning every couple of months. This will keep your floors looking new forever. The sealer will last longer and no more scrubbing grout lines again. Interim maintenance should be done with our pH neutral cleaner. CasaGuam.com 19
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H o w To D . I . Y.
Keep Your Family Safe with These Safety Tips Just like a sports team working towards a goal, a family working together, can help ensure family safety.
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rotecting your family can be quite a challenge, and it's only natural to want to do everything possible to ensure they remain safe and healthy. Unfortunately it impossible to protect your family from every bad thing in the world, but when it comes to your home there are things everyone can do to help keep safe. Just like a sports team working towards a goal, a family working together, can help ensure family safety. Here are 5 family safety tips that can help your family conquer some common household dangers.
1) A fire is reported every 45 seconds, and almost 180,000 people a year are hospitalized for burns in the U.S. According to the American Red Cross, the most common disaster in the country is household fires. The first step is to install a smoke alarm on every floor of your house, and in any room where the door is commonly kept closed. Just be aware that it takes more than a smoke alarm and early warning to protect your family from a house fire, it takes planning. It's imperative to develop an escape plan for the family in case of an emergency. A monthly practice drill is vital so that everyone knows instinctively what to do and where to go, if a fire should happen. Another step is to conduct monthly tests to check if each fire alarm is working properly, and to make sure to replace the batteries every six months.
2) Get your home tested for radon leaks. The Surgeon General warns that radon is the second leading cause of lung cancer in the United States. Radon is found all over the U.S. and comes from natural radioactive gas that you can't detect, since it has no odor. Getting your home's radon level tested is easy and relatively inexpensive, plus it's the only way to know if your home has a leak. If tests show excess amount of radon in your home, the leak can usually be fixed with proper repairs.
3) Protect your family from carbon monoxide. It is estimated that 200 people die from carbon monoxide poisoning each year, and that number could be higher. Many times the victim will suffer the effects of carbon monoxide poisoning without knowing it. So it's important to know the symptoms of CO poisoning. The symptoms of CO poisoning are very similar to the flu. Symptoms include; nausea, vomiting, dizziness, fatigue and weakness, headaches, sleepiness, and confusion. If anyone in your family start showing signs of CO poisoning, immediately open windows and doors and go to the emergency room, and report the suspected CO poisoning. Carbon Monoxide Detectors are an excellent way to get early warning of a carbon monoxide leak in your home. Just as with fire detector CO detectors should be installed on every level of your home as well as in any routinely closed room. Never use a gas range burner, or ignite coals inside your home. Keep your garage ventilated to reduce car emissions, and don't let your motor run while inside a closed garage.
4) Defend your home from burglaries and home break-ins. FBI reported, in 2009 that the average home burglaries value was over $2k. Their research also showed that more home burglaries occurred during daylight rather than at night. Protecting your family from burglaries will take team work. Teach the kids to never open the door unless they can see and identify the person, and if they don't recognize them, then they must verify with an adult if the person has a legitimate reason for knocking at your door. Home burglary is generally a crime of opportunity, and the criminal will always try to avoid drawing attention. This makes home security systems a good deterrent to have. In fact a third of all home break-ins, the burglar found his way in through unlock doors or window. All family members must take responsibility for always locking doors and bedroom windows. Another preventive measure is to install motion activated lights in order to deter intruders from hiding in the dark. To monitor your home while you're away, installing security cameras can help you keep an eye on your property.
5) Falls are the leading cause on nonfatal injuries seen in hospital emergency rooms for all ages. Use home safety devices, such as sensors or guards on windows to keep children from falling or climbing out of windows. Grab bars and rails in bathrooms help reduce accidents, especially for the elderly. Make sure everyone does their part to keep stairways, and hall ways clear of debris, toys, or anything that can cause someone to trip. For households with young children, gates at the top of stairs help keep children from falling. And lastly nightlights to illuminate dark rooms and pathways at night make it easy to avoid accidents while getting up from bed.
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CONTR ACTOR’S CORNER
Highlight on: BME & Sons Inc
B
BME & SONS, INC. is a locally owned corporation, established in May 1986. The company started specializing in mechanical projects and quickly expanded to general construction and equipment rental. Today, the company offers services that encompass major aspects of the industry, including civil, structural, architectural, electrical, mechanical, fire alarm, fire protection system, plumbing, and air conditioning. BME & Sons, Inc. was incorporated on Guam when Mr. Bernie V. Maranan together with Bernadette P. Maranan and Danny P. Natividad formed the company. The business started with smaller projects primarily as a subcontractor, specializing in mechanical work, repair and maintenance, renovation, carpentry and commercial and residential homes. At the onset, it employed only 10 highly skilled professionals. With its developing good reputation, demand for BME’s construction services grew. In 1991, the company engaged more projects that subsequently required which required increasing staff by hiring H2 workers from the Philippines. Over the past 24 years, BME built a reputation of excellent working relationship with its customers, be it private community, federal government, or the government of Guam. BME offers comprehensive services designed to allow the business to do whatever it takes to complete a successful project. Some of these services include design work, renovation, remodeling and alteration, repair, carpentry, painting, plastering, renovation and maintenance, installation of water line, sewer line, fuel line, plumbing and epoxy injection. This company also does installation and maintenance of air conditioning, ducting and heating, mechanical and electrical work. Its services also extend to equipment rental of backhoe, crawler, dump truck, genie boom and sky climber. In the coming years, BME’s mission is to provide superior workmanship and services that offer and further enhance its long standing relationship with clientele. It is the goal of the business to successfully achieve a greater reputation for quality and on-time delivery. BME is committed in maintaining high integrity and professionalism and to delivering on-time completion and quality assurances on all contracted projects.
22 CasaGuam October 2011
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W h o Ya G o n n a C a l l ?
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Classifieds Commercial Rentals Dededo 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
Ordot-Chalan Pago 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
3Bd/2Bd/1Bd located near schools/church/store and front of park Semi-Furn. Sec.8 & Military OK. Pls. leave message at 632-1200
Mangilao 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
Piti Commercial space for rent. Approx 850 sq ft., video store or retail business. Asking $850/mo. Please call ANGIE @ 727-2228
Tumon 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
Residential Rentals Agat 3 bedroom / 2 ba house, close to schools, stores, beach and church. Asking $1250.00. Call 649-8265 or 888-7447
Asan Asan Beach House Newly Renovated, Fresh paint and ceramic tiles. Asking: $2,200.00/mo. Call FRANK @ 479-4663 Asan 3bd./2ba. Ocean Views Newly Renovated - All ceramic tiles. New a/c's. Asking: $1,900.00/mo. Call FRANK @ 479-4663
Barrigada 2b/1b, near Subway with water $830/mo. Please call 637-7165 / 688-0887 / 689-3333
Dededo 3Bd/2Bd/1Bd located near schools/church/store and front of park Semi-Furn. Sec.8 & Military OK. Pls. leave message at 727-6456 Great spacious house located near Paradise Estates. 5bd/3bth. Section 8 okay with full security deposit. Call 646-9870/1 Dededo Villa Rosario - Spacious 3BR/2BA W/D, Pool, Security, Mailbox $1,650.00 26 CasaGuam October 2011
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
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
Yigo Perez Acres: 4 bedroom, 2 bath with pool & playground. Corner unit. Asking $1,900/month. Call SANDY @ 687-6006 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
Residential Sales Barrigada
Tamuning 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. Tumon – Dai-Ichi Condo – 3b/1b, 3rd floor. $1,300/mo. Section 8 OK. 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 Tumon 2bd / 2 ba + Den. excellent condition. Asking $1200. Please call 637-7165 / 688-0887 / 689-3333 / 477-7042 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 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
Barrigada Large 4BR/2Ba 1800sqft. House Only 243,000 637-7165 / 688-0887 / 689-7900 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
Dededo DEDEDO Multi-Family House located in front of Dededo Park, Library and Julyor'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 727-6456.
Inarajan 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
Mangilao Latte Heights House with 3 br / 2 ba, ideal location w/ carport, fully fenced, gated, spacious yard w/ patio. Asking $200K. Please call ANGIE @ 727-2228
Mongmong-Toto-Maite Exceptional 3bd and 3.5 ba home 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
Ordot-Chalan Pago 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
Talofofo 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
Tamuning
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
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
Beautiful fully fenced, 3bd/ 3full ba, high pitched ceiling, 2car gar, ctrl loc, DededoUhang St/Bello Rd, Minutes away from airport, business establishments & more, Only 2yrs old, landscaped yard, fruit trees, shutters, 2,421sq mtr lot, 1,440sq ft living space, 12x20sq ft open back porch, lots of extras! Developing neighborhood w/newly built houses. A must see! Lots of potential!! $340,000.00 Pls call 788-3531 & lv msg.
TAMUNING Executive 2 Storey Spacious House for Sale by Owner. Great location beside Cost-U-Less Tamuning and GPO. 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. Please call owner/lv msg at 727-6456.
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Bring this ad to your first visit and get a free gift from your FHP family. Promo Code: CAS09/2011 Offer valid for new pediatric patients only. Only one original ad can be redeemed per family. Photocopies are considered invalid and will not be accepted. Offer expires on September 30, 2011.
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Chalan Pago Nice 2 and 3 bedroom condo with panoramic ocean view and city view and waliking distance from the shops and hotels. Please call George 483-9111
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
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Last Name
Property is view lot next to last lot below Airport exit light on Pangelinan Blas St. in Harmon/Tamuning. Access paved w/sidewalks, water & sewer. Power up to adjacent lot below. Asking $490,000. call 637-7165 / 688-0887 / 689-3333 / 4777042
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Closing
Message from the Executive Officer By Peggy Araullo Llagas
HOUSING OPPORTUNITY The nation's housing affordability crisis is fed by economic, demographic, and regulatory characteristics. The issue will not go away on its own. Because wages have not kept pace with rising home prices and rents, millions ofAmerican households struggle to meet their housing costs. REALTORS® participate in innovative activities, programs, and events that help increase the availability of affordable housing in their communities. Creating housing opportunities for low- and moderate-income families can have a concrete bottom-line impact on the real estate industry. It’s good business. According to NAR:
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• Research consistently shows a homeownership gap for underserved families, especially those with low or moderate incomes. This is a growth market. Much of the gap can be closed—and revenue generated for REALTORS®—if prospective homebuyers are adequately served. • REALTORS® have the opportunity to gain the loyalty of first-time buyers who may become repeat customers as they move up the housing ladder. • For the many REALTORS® who develop and manage affordable rental housing, more support for affordable housing means more business and fewer expensive battles against community opposition. • Neighborhoods are stronger and more marketable where housing costs are within reach of the workforce of nearby employers. Communities are stronger where public service employees are close to their jobs. Healthier neighborhoods and communities mean stronger product for REALTORS® to sell and rent. • REALTORS® who promote housing opportunity are seen as effective, serviceoriented advocates for housing for every segment of the community. For more information on the housing opportunities here on Guam, contact a REALTOR® today or visit www.guamrealtors.com for a complete list of our REALTOR® members. The Guam Association of REALTORS® will be holding a “Public Forum” regarding Housing Opportunities….“empowering you to be a homeowner”. Saturday, October 29, 2011 from 9am to 12:30pm at the Hyatt Regency Guam. Stand by for more details.
Guam Association of Realtors®
The Voice for Real Estate on Guam
Suite 236A Julale Center 424 West O'Brien Drive, Hagatna, Guam 969100 Office: (671) 477-4271 • Fax: (671) 477-4275 www.guamrealtors.com • email: eo@guamrealtors.com 28 CasaGuam October 2011
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