The OC Realtist Magazine July 2016

July 2016 Vol. 02 | Issue 4

• The guide to building credit • tragedy in orlando • Featuring

Lisa Rice

We proudly welcome ZipRealty™ and its innovative technology platform to our family of real estate brands!

facebook.com/realogy

CONTENTS: Mission and Vision of the Orange County Realtist Magazine................(page 5)

THE POWER IS NOW INC. Vol. 02 | Issue 4

Eric Lawrence Frazier, MBA President and CEO Office: (800) 401-8994 Ext. 703 Direct: (714) 361-2105 Eric.Frazier@ThePowerIsNow.com www.thepowerisnow.com www.blogtalkradio.com/thepowerisnow

EDITORIAL TEAM Eric Lawrence Frazier MBA Editor in Chief (800) 401-8994 Ext. 703 Kristina Mari Managing Editor (800) 401-8994 ext. 723 kristina.mari@thepowerisnow.com

Goldy Ponce Arratia Graphic Artist and Design Manager (800) 401-8994 ext. 711 goldy.ponce@thepowerisnow.com Andrej Jovanovic Graphic Designer (800) 401-8994 ext. 713 andrej.jovanovic@thepowerisnow.com

ECONOMICS The Guide to Building Credit ................................................................(page 14)

FOCUS Tragedy in Orlando..................................................................................(page 16)

LEGAL Property Boudaries..................................................................................(page 20)

REAL ESTATE Stop Answering your Phone - Part I ......................................................(page 22)

OUR COVER Lisa Rice: Civil Rights Matters In Real Estate......................................(page 26)

TECHNOLOGY 5 Ways Technology is Making Moving Easier ......................................(page 30)

YOU The Power os Language ..........................................................................(page 36)

CONTRIBUTORS Orange County Realtist Research Team

The Orange County Realtist Magazine is an online and eZine publication of the Orange County Realtist a Chapter of The National Association of Real Estate Brokers® (NAREB).

The magazine is published and distributed by the publishing division of The Power Is Now, Inc., and has ten sections focused on the real estate market, economics in Orange County and the Realtist members who serve the community. The mission of the OC Realtist Magazine is to educate consumers and real estate professionals about the opportunities to buy or sell real estate in Orange County and to spotlight professional real estate agents who are Realtists.

profit organizations, and community organization that support the welfare of the citizens of Orange County and are affiliates of the OC Realtist.

The Digital Online subscription launched April and continually provides the best of the Orange County Realtist Magazine in an all-digital format.

With the Orange County Realtist Magazine, readers can have access to archived issues as well as current content online. Videos, online radio, webinars and other events provided by the OC Realtist will be available to empower its readers with information to achieve the American Dream.

The OC REALTIST MAGAZINE - The The magazine is free and is distributed by email American Dream and online to members of our local chapter and NAREB chapters nationwide. Over 30 The Orange County Realtist Magazine features thousands real estate professionals in Orange articles about real estate in Orange County and County, our state, federal and local city political informational interviews with local and national representatives in each of the 34 cities in Orange community leaders, real estate agents, banking County, non-profit housing organizations, church and investment professionals, and community. leaders in Orange County, and many affiliates of The Orange County Realtist Magazine also our chapter -- OC NAACP, OC Black Chamber, provides consumer focus content about buying OC 100 BMOC-- and others will receive the and/or investing in real estate, financing real estate magazine. and maintaining and protecting real estate as an asset for years to come. The magazine’s focus is In addition, our own email list of consumers on all aspects of buying and/or selling real estate is growing daily through our community from a consumer’s perspective because it is still outreach. The list will continue to grow due to the American Dream. the importance of homeownership and the strong support we have in the community to help others achieve it. We want the magazine to be of great value to our members, an excellent resource for our community, and a tremendous value to our advertisers as an affordable marketing strategy to a target consumers interested in real estate as a home or investment. The Orange County Realtist magazine will also provide free advertising to non-

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Mission The mission of the Orange County Realtist is to provide support and education for its members to grow and expand their businesses while assisting the community to achieve the American dream of homeownership.

Vision The vision of the OC Realtist is to become the largest Chapter of NAREB in the United States, comprised of successful Realtists® whose businesses are thriving from the support they receive through the chapter and the networking opportunities that exist by their affiliation with National Association of Real Estate Brokers.

Departments 1. OC Real Estate Market 2. OC Real Estate Resources 3. OC Real Estate Investing 4. OC Realtist Spotlight 5. OC Real Estate Financing 6. National Association of Real Estate Brokers News 7. California Association of Real Estate Brokers News 8. OC Realtist President’s message 9. OC Real Estate Business and Economic 10. OC Real estate laws and legislation

Cover and Feature story profiles: The OC Realtist Cover will never be sold as it will be our way of recognizing Realtists in Orange County and all over the United States who exemplify the Realtist spirit. The online magazine and eZine will have 10 sections for various articles under the OC Realtist theme: OC Real Estate Market, OC Real Estate Resources, OC Real Estate Investing, OC Realtist Spotlight, OC Real Estate Financing, National Association of Real Estate Brokers News, California Association of Real Estate Brokers News, OC Realtist President’s Message, OC Business and Economics, OC Real estate Laws and Legislation. The writers for each department will be industry professionals who are practitioners in their field of expertise. They are industry professionals who can provide advice, and information to make decisions that will enable consumers achieve the American Dream.

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CEO & Publisher Eric Lawrence Frazier, MBA 3739 6th Street, Riverside, CA 921506 Ph: (800) 401-8994 ext. 703 EDITORIAL Editor in Chief: Eric Lawrence Frazier MBA Managing Editor: Alexandra Attinger ONLINE Web Designer: Nicholas Clarkson DESIGN Art Director & Design Manager: Goldy Ponce ADMINISTRATIVE Administrative Assistant: Rachel Bacol

SALES National Sales Manager: Christina Kimble National Relationship Manager: Success Money HEADQUATERS The Power Is Now Inc. 3739 6th Street Riverside, CA 92506 Ph: (800) 401-8994 Fax: (800) 401-8994 Email: info@thepowerisnow.com www.thepowerisnow.com www.thepowerisnow.com/onlinemagazine www.thepowerisnow.com/ezine PUBLICATION AND SERVICES The Orange County Realtist Magazine The PIN Magazine The Power Is Now Radio The Power Is Now Publications The Power Is Now Radio Guide The Power Is Now VIP Agent Program The Power IS Now Power Consulting/Coaching The Power Is Now Association Management The Power Is Now Event Management

STATEMENT OF COPYRIGHT: The OC Realtist Magazine TM is owned and published electronically by The Power Is Now Inc. The Power Is Now Inc. has entered into joint venture with the OC Realtist for the design, publication and distribution of the Magazine.

Copyright 2013-2016 The Power Is Now Inc. All rights reserved. The name Orange County Realtist is a trademark of the Orange County Realtist Inc. A chapter of the National Association of Real Estate Brokers.

“The PIN Magazine and distinctive logo are trademarks owned by The Power Is Now Inc. “ThePINMagazine.com” is a trademark of The Power Is Now Inc. “Magazine.thepowerisnow.com “ is a trademark of The Power Is Now Inc. “Thepowerisnow.com” is a trademark of The Power Is Now Inc. “The Power Is Now Event Management” is a trademark of The Power Is Now Inc. “The Power Is Now Radio” is a trademark of The Power Is Now Inc. “The Power Is Now Publications” is a trademark of The Power Is Now Inc. “The Power Is Now Radio Guide” is a trademark of The Power Is Now Inc. “The Power Is Now VIP Agent Program” is a trademark of The Power Is Now Inc. “The Power IS Now Power Consulting/Coaching” is a trademark of The Power Is Now Inc. “The Power Is Now Association Management” is a trademark of The Power Is Now Inc. No part of this electronic magazine or website may be reproduced without the written consent of The Power Is Now Inc. Requests for permission should be directed to: info@thepowerisnow.com

From the Editor...

A

s we continue into this warm summer, our beloved country is in a full blown crisis that has been developing for some time.

We are all traumatized by the recent shootings and murders of unarmed black men by the police, the racist and incendiary commentary coming from the extremist on all sides, the killing of policemen as revenge for the deaths of these black men by an assassin, and the heated discussions that have raged these past few weeks on social media and around the world. We are also all frightened about what is next and the fear has no colorlines. Regardless of your gender, sexual orientation, or ethnicity you are and should be afraid of the path that we are on.

What is next? Race riots in the streets? The rise of extremist fringe group who have been marginalized are now seizing the opportunity to leverage these tragic events to propel their agenda of racism, hatred, violence and separation. We are all afraid of what is going happen next. None of us know what will happen, but we all know that the next event will be an escalation of what has already occurred.

Questions of right and wrong or who is to blame are surging throughout the media. Since when do we blame a movement for violence? We all know that there has never been a movement of any type, black or white, male or female, in the US or abroad, that did not have members of their cause that were prepared to act with violence and to die for their cause. These individuals act alone and do not represent that leaders of the movement or the movement itself for that matter. These men and women are also not endorsed or sanctioned by the movement or it’s leaders. They are lone assassins who have an agenda and a mission that is their own.

They move and act without the knowledge of the

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FROM THE EDITOR

movement or its leaders. But, we cannot deny that their actions are in support of the movement regardless their poor judgment or misguided attempt to support the movement. In spite of the violence and death black lives still do matter, but not for the purpose of disregarding or devaluing Blue lives, or White lives, Latio lives, Asian Lives, Muslim lives or any life for that matter.

Black lives matter is a statement and a mantra of the families and children whose loved ones have been killed while unarmed by the police.

The goal of the movement is to bring to the attention of the world the systematic murder of unarmed black men by police officers. That is it.

All lives matter, and right now we need to focus on equality for all.

The Civil Rights Movement really took off after the death of Martin Luther King Jr., and it has played an important role in moving America forward in race relations and equal opportunity.

But the police, who are rarely, if ever, held accountable for murder have set us back. The police have become, the judge, the jury and the executioner on the street. What can we do about this? Will legislation stop it? The problems of hate and intolerance will never go away through legislation. Legislation is necessary to ensure that those who break the law are held accountable but do we need more legislation to hold the perpetrators accountable? No. What we need are men and women in blue to move from behind the shield and to expose the men and women who are unfit to wear the uniform Let us not forget the real issue in spite of the and are perpetrating violence and murder on retaliation that has taken place and the lives black men and citizens that they are suppose to that have been lost. Black men are being shot serve. and killed while unarmed by the police. This must stop. Police officers are now being killed We will see real change when police officers in revenge. Even though there are a proportion who are witnesses of the evils in police work of police officers that are abusing their power, start to expose the perpetrators. Real change there are responsible police officers working to must come from within. We can march, write retain our safety while other officers threaten it. speeches and even boycott but until the head of This must stop and cannot continue. But will it? snake is cut off, the body of the snake will still Does anyone know? The men and women who live and keep regenerating. The Chief of Police have lost their lives to the police are casualties is accountable for the actions of its officers. of far too many unfit, untrained, undisciplined The field leaders are accountable. The sergeants and unsupervised police officers who have and lieutenants are all accountable. Until they dishonored themselves and the men and women identify the problem men and women on the who wear the uniformed by their actions. force and get rid of these bad cops the violence Thousands of men and women in uniform who and “accidental deaths� will continue. The have not been caught up in circumstances like deaths that are occurring on such a frequent this in their entire career. Hundreds of unarmed basis is not the result of a police training issue. black men are being shot down in the street The incidents where unarmed black men are by the police just this year alone. The issue is killed are the result of psychological problems clear, simple, verified by video, witnessed by and character defects that affects a very small thousands, and nothing is being done to stop the percentage of men and women in the police killing. It has to stop. force. It is happening to them for a reason.

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FROM THE EDITOR

These are people who lack restraint and common sense. Who are unable and ill equipped to make quick decisions that do not include shooting their gun. These are police officers who do not call for backup. They have a superman or cowboy attitude or a superiority complex and believe they can handle any situation. We need to weed these people out of the police force. There are thousands of officers in uniform that have never pulled a gun on a civilian. There are even more that have never discharged their gun or killed someone. These wild, untrained, unskilled, and unfit cops dishonor the profession and the Chief of Police and their leadership team are not doing enough to identify these people and get them out. Until that happens, we can expect business as usual with the police across the country.

We are due for change. As the heat rises during one of the hottest summers on record, I urge America to look toward solutions, not scapegoats. Blame cannot bring peace and harmony, but accountability and justice can. The police who have the power of life and death in their hand, because they can carry a gun and have the authority to kill, are responsible to manage that power so that we do not live in fear of the police but respect the police. There should be a difference between fear and respect. Right now the police are feared like gangs are feared, because they are out of control and unafraid of doing whatever they want to do because they are rarely held accountable. This must stop. Let’s pray for our leaders in law enforcement that they will do the right thing.

about the tragic events of late. How would each candidate deal with the recent tragedy and the turmoil it has caused? Both campaigns are falling short by the weak rhetoric and patronizing statements about race, gun violence and the police to please both sides of the issue.

Even the President is dialing back his comments as to not offend the police or black america. It is during times like this that I dislike politicians the most. I will not tell you how to exercise your right to vote, but I do ask that you thoroughly think through your options in light of recent events and consider a write in.

In this issue of The OC Realtist Magazine, we look back to the Orlando shooting and the horrible tragedy that it was. Let us pray for the victims and the families and pay attention to legislation in Congress. While the LGBT community gained the right to marry in the Supreme Court ruling, we must ensure that discriminatory legislation becomes taboo for all groups.

Of course this issue of The OC Realtist Magazine also includes your real estate database. We cover everything in this issue from the power of language to how technology is making moving easier. Ensuring that you have the necessary information to move through your real estate ventures from start to finish is essential, and I am ready to assist you. Email me at eric.frazier@ thepowerisnow.com to talk to me one on one.

Thank you for your dedicated readership; I look forward to speaking with you. The Power Is Now!

Presidential campaigns continue, urging citizens to choose the candidate that will destroy the country the least. We are in trouble. I know that Eric Lawrence Frazier, MBA my opinion has been cemented after thinking Editor-In-Chief

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ECONOMICS

THE GUIDE TO BUILDING CREDIT Everyone starts out in the same place when it comes to credit. Until someone opens his/ her first account, he/she has no credit history.

Unfortunately, no one seems to want to be the business that offers the first credit account, so it is often difficult for people to gain access to the benefits of having a credit history. The key to developing a strong credit profile is to start building it before you need it.

Opening an account with a credit card company is one of the best ways to create a credit profile.

If you cannot qualify for a Visa or MasterCard, then start out with a store credit card to help you build your credit. Just make sure you choose one designed for people with no or low credit and one that reports to at least one of the three major credit reporting agencies – Equifax, Experian, and Transunion.

1. START WITH A CREDIT CARD

To make the most of this credit card, use it for small purchases and pay off the balance or at least most of it each month. Always pay before the due date and do not let your payment be late or for less than the minimum required. It will take about six months before the account will be reported, but then you will have a credit history established.

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ECONOMICS

2. GET A SECURED CREDIT CARD

on time will also be reported, so you cannot be late if you want to establish good credit.

4. GET A PERSONAL LOAN

A secured credit card is often easier to get for a person with no credit history than a traditional or unsecured credit card. You just have to provide a deposit with the credit card company, and they will open a card account in your name. You can use this card just like a regular credit card, and the provider will report your payments to the credit agencies. Approval is easy because there is less risk for the credit card company.

The initial credit limit may be equal to the amount you paid in the deposit or the company may match it for a higher credit limit. Look for a company that allows you to get the deposit back after a series of on-time payments, which will turn the card into an unsecured card.

3. MAKE SURE RENT PAYMENTS GET REPORTED In the past, rent payments and utility bills were never reported to the credit bureaus, so you never got credit for paying your biggest bills on time. Now, you have options, but you often must be the one to take action. You can find several online sites where you can make your rent payments, and they will send the payment to your landlord.

A personal loan is another way to show you are responsible with credit. The easiest way to get a personal loan is through your local bank. Many banks will provide a small loan while using a savings account or certificate of deposit as collateral. As you make payments to repay the loan, they are reported to the credit bureaus.

These loans will typically be for small amounts of $1,000 or less, but you can usually qualify for a bigger loan once you pay off the first one. The terms are generally short, with most loans being due within a year or less.

5. GET A CAR LOAN Getting a car loan is rather difficult for people with no credit history. However, you can qualify for financing if you have a cosigner or if you make a large down payment. If you have someone willing to cosign on a loan, you can go to just about any dealer for approval. If you plan to try to get approved on your own, then you will want to shop around and ask about finance companies that work with no credit history. Establishing credit is not easy, but it can be done. The key is to responsibly manage your new credit to ensure you are building a positive history. After a year or longer, many doors will be open to you with your newfound credit score, but the first step is to start building credit.

One of the most popular is WilliamPaid.com.

The site reports your monthly payments to Experian. Of course, failure to make payments

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FOCUS

TRAGEDY IN ORLANDO Orlando, Florida was a city with a very different reputation before the night of June 12, 2016.

The happiest place on Earth turned into a place of fear, hate, and death.

Nicknamed “The City Beautiful� Orlando is home to several major theme parks and has even been referred to as the theme park capital of the world. A city that has long been known as a major tourist destination will now likely be known for something very different.

By now the news has circulated, and you all know of the gunman that attacked the Pulse nightclub in Orlando. I will not mention his name here, for this blog is not for him. I will not showcase the hatred and prejudice of

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this individual, encasing his name in infamy- no.

In this blog we are going to be talking about the victims.

Everyone has a story; some stories are stopped short by an individual with a legally purchased firearm. No one knows this better than the families of these forty-nine young men and women that were murdered in Pulse that night. These men and women that were killed in the deadliest mass shooting in modern U.S. history have been condensed into a number: 49. While I cannot know what these people were thinking when their futures were taken from them, I know that this cannot happen again (Orlando Shooting CNN

Coverage).

Of course, this tragedy has sparked debate instantly, but there is an important piece that we must all understand. There is no democrat or republican in light of such a tragedy; this is a human issue. This is a piece of history that still hurts and should be treated as such. Yes, action must be taken, because this American gunman is no stranger to us. As movie theaters, schools, and nightclubs become cemeteries, I cannot help but worry for myself and my family to somehow be caught in this kind of tragedy. It can happen to anyone as it happened to the unsuspecting friends, sons, daughter, sisters, brothers, fathers and mothers at this nightclub.

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FOCUS

Edward Sotomayor Jr., 34, Sarasota, Fla. Stanley Almodovar III, 23, Clermont, Fla Juan Ramon Guerrero, 22 Eric Ivan Ortiz-Rivera, 36, Orlando, Fla. Luis S. Vielma, 22, Sanford, Fla. Peter O. Gonzalez-Cruz, 22 Luis Omar Ocasio-Capo, 20 Kimberly Morris, 37 Eddie Jamoldroy Justice, 30 Darryl Roman Burt II, 29 Deonka Deidra Drayton, 32 Anthony Luis Laureanodisla, 25 Jean Carlos Mendez Perez, 35 Franky Jimmy Dejesus Velazquez, 50 Amanda Alvear, 25 Martin Benitez Torres, 33 Luis Daniel Wilson-Leon, 37 Mercedez Marisol Flores, 26 Xavier Emmanuel Serrano Rosado, 35 Gilberto Ramon Silva Menendez, 25 Simon Adrian Carrillo Fernandez, 31 Enrique L. Rios Jr., 25 Miguel Angel Honorato, 30 Javier Jorge-Reyes, 40

Jason Benjamin Josaphat, 19 Cory James Connell, 21 Juan P. Rivera Velazquez, 37 Luis Daniel Conde, 39 Jonathan Antonio Camuy Vega, 24 Christopher Andrew Leinonen, 32 Frank Hernandez, 27 Shane Evan Tomlinson, 33 Brenda Lee Marquez McCool, 49 Angel L. Candelario-Padro, 28 Geraldo A. Ortiz-Jimenez, 25 Akyra Monet Murray, 18 Paul Terrell Henry, 41 Antonio Davon Brown, 29 Christopher Joseph Sanfeliz, 24 Alejandro Barrios Martinez, 21 Rodolfo Ayala-Ayala, 33 Tevin Eugene Crosby, 25 Yilmary Rodriguez Solivan, 24 Joel Rayon Paniagua, 32 Juan Chevez-Martinez, 25 Jerald Arthur Wright, 31 Jean C. Nieves Rodriguez, 27 Leroy Valentin Fernandez, 25

This is the list. These are the people that the story. One of the youngest people killed in the world lost. These are the people that lost their attack, Josaphat—who was only 19—had just lives that were so full of promise to hate. graduated from high school and was beginning A number is easy to quantify—and 49 murders is a lot by any calculation. But numbers are easy to move past. Most news pieces contain them.

Text books are full of them.

Numbers don’t convey the story of young men like Simon Carillo and Oscar Aracena. The partners had recently returned from a trip Niagra Falls, and had also just purchased a home.

Numbers fail to tell Jason Benjamin Josaphat’s

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courses at Valencia college. Josaphat’s uncle people that had their lives and their futures taken said, “he was very excited about his journey.” from them (NPR Orlando Shooting Victims).

If you only look at the numbers, you’ll miss stories like Cory James Connell’s. The 21-yearold was at Pulse with his girlfriend. He was a student at Valencia College and had hoped to become a firefighter.

You’d also miss Brenda Lee Marquez McCool’s story. A mother of 11 and a cancer survivor, McCool was dancing at Pulse with her son, Isaiah Henderson, at the time of the attack. She was able to place herself between the gunman and her son—saving his life.

We can never lose sight that these young people were not simply “gay people at a nightclub”.

Sexual orientation does not make a person; it is not the end all be all. Gay, straight, bisexual, or questioning, these people had families, identities, and futures with plans well underway. I mourn for the city of Orlando and this horrible tragedy.

May God bless the victims, the families, and the future of this country to be safe from terrorism and murderous violence that is becoming a frequent occurrence in America.

These are just a few of the stories. So, as news sources around the world cover the political issues and possible ways to prevent a tragedy like this from happening again, take a moment and go to NPR’s article that details the stories of the

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BUSINESS

Frazier Group Realty, Inc. As you venture into the World of Real Estate, we can help you put the pieces together and Naviagate you into Home Ownership

Ruby L. Frazier President License #01751773

Briana M. Frazier Broker License # 01751473

Jessica E. Frazier License # 01817312

Erica L. Frazier License# 01791095

Frazier Group Realty is the right place. Our Navigators are available to give you personalized service and answer any questions you may have. You can call, email or visit us and we will be there ready to help you every step of the way. Wether you are a first time home buyer or an experienced real estate investor, here at Frazier Group Realty you gain useful information about how to choose the “right” property, and everything involved in making an informed decision in today’s real estate market.

Making Clients for Life

3739 6th Street, Riverside, CA 92501 Office: (951) 686-5261 Fax: (951) 686-5264 www.fraziergrouprealty.com

LEGAL

PROPERTY BOUNDARIES 101

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ealing with neighbors can be a big headache when you do not know where your property boundaries are. In old and new neighborhoods, homeowners need to know where the boundaries to their properties are especially when it comes to building fences, building additions, and buying and selling a home. Significant disputes have caused problems between homeowners, especially when older homes have been bought and sold several times.

In many cases, existing fence lines may not have been properly surveyed. To avoid unfriendly disputes with neighbors, it is in your best interest to know what your property boundaries are and to be aware of your rights as property owners.

Most communities have established fence ordinances. If you live in an association, the board most likely has established rules about fences, too. In most cases, the fence rules and ordinances are set based on the location of the fence as well as the height and materials. Many communities have special ordinances set for fences around swimming pools, too. While some associations may have rules about the style of fence you can build, most communities do not may 2016 issue

care if the fence is ugly or not.

Prior to building a fence, it is wise to get learn about the property boundaries on your lot. If you build a fence and it is on the boundary, you and your neighbor both own the fence - even if you pay for the entire thing. If the fence is completely on your property, then the fence is yours. In most cases, this means you can cut down tree limbs that hang over your fence, but not if the cutting will harm the tree. As the owner of the fence, it is your job to maintain it.

The property boundaries on your lot are always kept at one of two places, either the county offices or the city offices. They will have the precise layout of your plot. Unfortunately, the average homeowner does not know how to read the property map. It is in your best interest as a homeowner who wants to avoid any legal issues with neighbors to have a professional surveyor lay out the boundary lines before you begin adding a fence. Some older homes might have more than one survey to work from, so be sure that you have all of the paperwork in your possession prior to any building that could

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LEGAL

encroach on a neighbor’s land. The cost of of plowing services if you need to have snow hiring a professional surveyor will be much moved in the winter months. It can also affect less than hiring a lawyer for legal defense. who has access to what you think is you yard.

Believe it or not, a properly line can be changed; but, it does require the agreement of the parties on both sides of the line. When fences cross into a neighbor’s yard, homeowners can have difficulty selling their home because not all of the fence is in their yard. Using a a lot line agreement, neighbors can make subtle adjustments when necessary. Prior to making this agreement it is important to be sure it is allowed in your community or neighborhood.

If the homeowners are still paying their mortgages, the bank might also have to get involved in the lot line agreement. Many banks will nix these agreements immediately. If you do get permission from the banks and the neighbors, the new lines need to be recorded in the proper government location.

It is also important to know where your property boundaries are if you have any natural water features on your property. People who live on lakes, ponds, rivers, and other waterways might be responsible for cleaning portions of the water way. They might also need to know about wetland rules when it comes to landscaping and home improvement projects.

One of the most common reasons why neighbors have property line disputes is because of encroachment. This is when a structure crosses a property boundary. It is a good idea to know where these occur on your property from your neighbors or where your property crosses the line. When encroachment occurs, it can be challenging to sell a home. It can also be challenging to buy a home that is involved in an encroachment dispute. Sellers must disclose encroachments. Many people will settle disputes with lot line agreements; but in other instances, the disputes are settled in court.

If you live in an older home, you might actually have a burial plot on your property. With a properly done survey, you will know exactly what property is your and what is actually in that property.

Any homeowners who share driveways, walls, and overhangs, as well as rights-of-support should know their boundaries. Any property that is shared can become problematic, especially when it comes to expensive maintenance projects. When you do not know what belongs to you, you have no idea what your responsibility really is.

There are plenty of other perfectly good reasons to have absolute knowledge of the boundaries of your property. When it comes to maintaining good relationships with your neighbors, knowledge is definitely powerful.

Fences are not the only reason to have a survey performed. There are several other important reasons to have know exactly where your property lines lay. Some homeowners need to deal with rights-of-way and easements. These could impact your ability to get into and out of your driveway or for neighbors to have access to the street. This could affect the costs 21

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REAL ESTATE

Stop Answering Your Phone Part I

By Eric Lawrence Frazier MBA

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s real estate and lending professionals, our goal is to provide the best customer service that we can. So what does that look like? First, we want to be fully engaged with our clients. We want our clients to know that we are paying attention to what they are saying. We do this by responding to their statements and asking and answering their questions fully. We must be engaged which is very difficult when you are multitasking. It is also important that our clients understand that we are clear about what their needs are. We must understand how their needs or requests are impacting them emotionally, financially, and in other ways that they may not be able to articulate. Having a high degree of emotional intelligence is helpful in understanding what is going on beyond the words of the client. Sometimes greater clarity is achieved when we can identify what is not being said by listening very carefully.

Buying a home is perhaps one of the most life impacting decisions that most people will ever make. It ranks right up there with marriage and deciding to have a child. It represents the highest amount of debt that most people will ever incur in their lifetime. It represents the highest expense and the largest amount of money that they will have to invest in the house

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over time. It also represents the largest amount cash that they have to save or be given to put as a down payment to buy it. To say it is a serious matter is an understatement. Few matters in life can rise to this level of importance.

So when we have a meeting with a client whether it is by phone, video, or in person, it is important, as professionals, that we bring our A-game. We must be ready to pay attention, take notes, provide insight, repeat the buyer’s or seller’s concerns so they know we care and understand their goals or needs. We must also be able to create a game plan to help them navigate through the decisions and challenges that they potentially may face in execution of the plan.

This level of engagement and service can only be achieved by paying attention and being very focus on your client.

So I ask, given the gravity of a home purchase or selling a home, why would a lending or real estate professional answer their cell phone in a meeting with a client? It seems to me that answering the telephone during a meeting is not only disrespectful, but it sends a message that our clients are not as important as the person is who is calling. Now whether the value of one client is greater than another is true or not, is that

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REAL ESTATE

the message we want our clients to hear and see as a lending or real estate professional? It is not for anyone who seriously pursuing excellence in service and professionals.

Now I must make a confession before I continue. Some of you reading this blog may have been victims of being put on hold by me so that I could take another call. Please accept my heartfelt apology. I am without excuse.

I pride myself on being accessible to everyone and available all the time. I am one of “those guy’s� who brags about always answering my phone and being available.

It is only partly true. I have realized through consistent failure in answering every call that it was and is an unrealistic expectation that I had for myself and that others may have of me.

I do not blame the client at all.

I created that expectation and now I am changing it. I am the captain of my ship and the master of my destiny. I have struggle with this dilemma my entire 34 year career in lending and real estate. It is a well establish conflict that all sales professionals have with time management and client accessibility. We spend 70% of our time generating, capturing and following up on leads and the other 30% on managing everything associated with the results of the activity that

23

takes most of our time. One of the most common complaints I hear about real estate and lending professionals is that they are not accessible and that they take too long to get back to their clients. Many salespeople try to make this complaint a market differentiator from their competition and make the claim that they always answer their phone and of course fail to do so. This was the number one complaint that I received as a Home Loan center manager in supervising loan consultants over the years. In general most sales complaints center around poor communication and lack of responsiveness. In response to these complaints, many consultants and professionals including myself try to be more accessible by answering the phone when it rings; even when we are on the phone or in a meeting with our clients. It

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is a failed strategy.

I believe that answering phone everytime it rings and or answering the phone when you are with a client is a serious strategic mistake and will ultimately hurt your brand and reputation. This conclusion based on thirty four years of first hand experience in watching and managing sales people, who have this problem, and seeing how ineffective they are in building trust and maintaining long term relationships. As result their business is dependant on the ebb and flow of the market and is transactional as opposed to business that is driven by referrals and is based on relationships. Their clients eventually get the message that they are not really that important; which is not true but a reasonable conclusion based

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REAL ESTATE

on their behavior. I have always known better and believed that it is a mistake to answer your phone when in a meeting with a client. It is a mistake not to block time to manage the results of your sales activity so that your clients are being properly served. But why is this behavior so prevalent? Why do most sales people break these commonsense rules? I believe we break the rules because there is something in all of us that is activated by the fear of losing out on a new opportunity. It is the survival instinct, divinely endowed, that is always on the hunt because we can only eat what we slayl. This is not an excuse, so please do not take it that way, it is an explanation or perhaps exploration of the psychological makeup of commission sales people. They are hunters and must always be in hunt because no one knows when the market will change and opportunities to hunt will more scarce.

that is also divinely endowed. It is a grave mistake to cause a client to feel that they are less important than any other person that is seeking your expertise; especially when you are in a scheduled meeting with that client (emergencies are of course an exception to the rule.) It clearly sends the wrong message, it shows a lack of organization and professionalism. It shows that you are someone who is not proactive but reactive and ultimately it shows and utter disrespect for your clients time.

So what is the solution? I will tell you in Stop Answering Your Phone: Part 2 where I will discuss how I climbed out of the horrible pit of answering the phone while with a client. I did it and it is still a work in progress. It’s like being a drug addict or alcoholic but you can do it too.

Tune in for part two! Your Power Is Now.

But let’s be clear. We cannot allow our basic instincts to override our support intelligence

may 2016 issue

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The Power Is Now Inc., is a Mortgage Brokerage Licensed by the State of California CALBRE License #1980407 and is not affiliated with any state or federal agency. Go to www2.dre.ca.gov for verification. The Power Is Now Inc., is also licensed by the NMLS License #1435243. Go to www.nmlsconsumeraccess.org for verification. The Power Is Now Inc., is an equal housing lender. Our corporate office is located at: 379 6th Street Riverside, CA 92501. Telephone and Fax: 800-401-8994. Eric Lawrence Frazier, MBA is a California Licensed Loan Originator NMLS# 461807. This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or data is subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states.

Our Cover

OUR COVER

Lisa Rice: Civil Rights Matters In Real Estate

By Liam Edmunds

I

t has been 166 years since the famous abolitionist, Harriet Tubman, arranged for her sister, brother-in-law, and their children to be rescued from the horrors of American slavery in 1850. In that time, America has seen the abolition of slavery, the implementation of Jim Crow laws, and the success of the Civil Rights Movement that put an end to institutional racism in the United States - only, hold on. There is a group of civil rights activists, from D.C., who are convinced the battle for equal opportunities for minorities in America is far from over. Leading their band, Lisa Rice, whose life as an activist is actualized in a career you might not expect, real estate.

For 21 years, Lisa Rice worked as the President and CEO of Toledo Fair Housing Center. During those years she fought against discrimination with her involvement in several seminal cases, such as the Toledo Fair Housing Center, et. al. v. Nationwide Ins., and NFHA and Toledo Fair Housing Center v. State Farm Ins. Co., to name two. Rice also lead the center’s investigation of Prudential Insurance Co. after allegations

27

leaked that Prudential’s guidelines, credit scoring, and risk assessment system stratified minorities and other protected classes. She was an important negotiator in resolving those cases.

Rice became the Vice President of the National Fair Housing Alliance (NFHA) in 2006, where she oversees multiple divisions of the agency. “I oversee our enforcement division, resource development, communications, I also oversee our public policy initiatives,” Rice said. “It keeps me busy.”

Influenced by her personal “shero” remembered for her bravery in the underground railroad, Rice honors Harriet Tubman’s legacy by working with the NFHA. “My job is very personal,” Rice said. The mission of NFHA is to ensure equal housing opportunities for everyone, which, Rice argues is a bigger problem in America than Americans realize.

According to a 2013 Gallup poll, 79% of Americans believe blacks share equal housing opportunities with whites. In a similar survey, 48% of African-Americans disagree.

“This is a huge issue for us,” Rice said.

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OUR COVER

In the United States, your ability to access quality healthcare, nutritional foods, and well-financed schools, is dependent on the community where you live. “Your zip code is tied to opportunity. That is the way that it functions in this country,” Rice said. “It is a sad set of circumstances, but we have zipcodes where there are food deserts; zip codes where there are no viable healthcare options,” and, according to a report by the Brookings Institute in 2015, found that schools in minority-heavy communities ranked in the 37th - 40th percentile of test

may 2016 issue

score results, while schools in majority white communities were in the 60th percentile.

“Where you live matters,” Rice said. “If you tell me your zip code I can pretty much tell you everything about your life.”

In 1968, the Fair Housing Act (FHA) was signed into law by Lyndon B. Johnson. The FHA made it illegal to discriminate the sale of housing based on race, religion, gender, and national origin.

Before the FHA, segregation was legal under a set of Jim Crow laws that barred

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blacks from living in white communities. The economic problem was that black and other minority communities received significantly less public funding than their white counterparts.

Essentially, barring most non-whites from accessing equal means of opportunities that would’ve enrich their lives. “What the FHA does, is it says ‘all communities, all areas should be places and spaces of opportunities,” Rice said. “Not only should there be opportunities - rich, viable opportunities in your community - but you should be able to access them.”

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OUR COVER

Even though the FHA was passed 48 years ago, similar Not only should there be opportunities - rich, inequalities persist to this day. In 2015 for example, The viable opportunities in your community - but Atlantic reported that funding you should be able to access them. gaps between school districts in Pennsylvania are influenced by the number of colored students She knows humans have the power within in a given district. And, in regards to homeownership, the rate for black themselves to achieve their dreams if they work people to own property has dropped from over hard enough and pursue it, but, Rice is also 46% in 2000 to below 38% in recent years, and aware of the impact society can have on people will continue to remain in a slump heading into in the pursuit of their dreams. “You have to recognize that people did not get to where they 2030, according to the Urban Institute. are now, by themselves,” Rice said. “People do Rice believes the inequalities, blacks and other have responsibility. There is self reliance,” she minorities experience today are a result of said. “But, federal government policies, state public policies enacted by the federal and state government policies, and private actions [also] governments in order to disenfranchise them; helped get people to where they are…. You have to have the right public policies in place so that even after Jim Crow. people can take advantage of the opportunities “When we have the insertion of segregationist that are out there.” laws, that had, at their core the design to separate the races, creating a system of apartheid that existed in the United States,” Rice said. “What you get is [an] entire systematic framework of separate and unequal [access to opportunity] that [is perpetuated] throughout the generations.” The segregation policies of the Jim Crow era turned minority communities into “places of disinvestment that are, ripe for abuse,” according to Rice. “Because we had communities of color that were isolated and segregated, it created enclaves where subprime lenders could go in and specifically target those credit starved communities for products that were abusive,” Rice said.

Working with NFHA, the majority of redlining cases, lending redlining practices, and insurance redlining practices, that Rice addresses are brought to her attention by professionals in real estate.

Rice is currently dealing with an issue related to REO inventory (properties that are owned by banks after going through foreclosure). “We’re finding that properties located in communities of color are marketed, and maintained, and managed differently from properties that are located in predominantly white communities,” she said. Because of her experience working with real estate professionals, Rice encourages realtors to educate themselves on fair housing issues and to collaborate with civil rights groups If you asked Rice whether she believes in as a means of addressing these problems. free will, her answer might be contradictory.

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TECHNOLOGY

5 Ways

TECHNOLOGY IS MAKING MOVING EASIER

Moving to a new home is rarely easy. Packing and unpacking are only part of the hard work.

The nitty-gritty details also involve looking for a new house or apartment, finding out about cost of living, jobs, schools, and services in a new locale, and getting rid of household possessions not making the move. Then, there are documents to sign, boxes and tape to buy, and details like turning utilities off and on at the right time. On top of all that is the actual packing, transport, unpacking, and settling in.

However, technology and the Internet are taking a big chunk of effort out of the process of moving, making it a little less painful. Many of the tedious tasks involved in a move are now

TECHNOLOGY

easier and faster than ever before. Here are five ways new technologies and the Internet are making moving to a new home easier.

Viewing Houses, Apartments, and Neighborhoods Online Real

estate websites l i k e

Trullia, Zillow, and Realtor.com have all of their MLS listings and rentals online for easy browsing. Potential houses and apartments can be sorted by zip code, minimum and maximum price, lot size, property type, number of bedrooms and baths, AP number, address, and many other categories. Most listing have extensive photographs of the property and some offer virtual video tours.

Viewing listings online is not a replacement for having a look on the ground when a promising prospect appears, but it makes the process of narrowing down a new address much less time consuming than searching in newspapers and driving around with a real estate agent. After finding a potential home online, meeting the realtor or landlord in person at the property before signing any documents or making any payments greatly reduces the chances of falling victim to an Internet housing scam.

an aerial view of the property, as well as a view of the property from the street. From there, it just takes clicking to travel down the street and have a look around the neighborhood without ever leaving home.

Using Google Map and Street View can provide information on the approximate location of property lot lines, proximity to neighboring houses and businesses, a peek at the backyard from a birds-eye perspective, and a feeling for the general appearance of the neighborhood and street.

Web sites like City-Data.com have a wealth of information on all cities in the United States of interest to people relocating. Just type in the city and view reports on population, demographics, income levels, neighborhoods, crime statistics, housing prices, local news, and photos of the area.

Using a site like City-Data in combination with Google Map and Street View provides a Google Maps and Street View comprehensive, virtual picture allow real estate buyers and of new neighborhoods and apartment hunters to look at towns.

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TECHNOLOGY

and National Commerce Act (E-Sign Act). Of course, it is a good idea to print out a copy of all Gone are the days of huge stacks of paper, electronic documents as a back-up.

Faxing, postage, and trips to the post office or UPS when signing a real estate contract. The Selling Stuff Online reams of paper are rapidly being replace by online document signing services like dotloop. Most moves involve unloading possessions too hard to move or not needed or wanted in the new com and DocuSign.com. location. Having a garage sale, heading to the Using a service like these, the realtor creates flea market, or transporting car loads of stuff to digital copies of all documents and sends them a charity drop-off site are the traditional ways of by email to the buyer. The buyer selects a custom disposing of possessions before a move. Now, digital signature to sign with and simply clicks the Internet makes it easy, and sometimes even profitable, to sell unwanted possessions on sites on the spots where a signature is needed. like Craigslist and eBay. Electronic signatures have been valid for real estate transactions in the US for over ten years Posting on Craigslist is free and simple. Scams through the Electronic Signatures in Global do happen there, but it is usually easy to spot Signing Documents Online

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TECHNOLOGY

them, and the site provides information on common scam tactics to be aware of. Legitimate buyers and sellers far outnumber scam artists, and finding a new home for old furniture and household goods is often fast and easy, especially in metropolitan areas.

Besides finding private parties to buy or take away unwanted stuff, Craigslist and similar services are also frequently browsed by commercial operations in the used furniture, antique, and thrift store businesses.

can be found at the government sponsored Federal Motor Carrier Safety Administration website. The Better Business Bureau also has online search tools for checking on complaints and licensing of moving companies.

Staying Organized with Apps for Moving

A large number of computer applications are available for staying organized, planning, and completing a move. These apps can be downloaded on a smartphone or PC and include packing checklists, inventory spreadsheets, By simply posting some photos of items online, budgeting tools, change of address notification people who are moving can use Internet buy and tools, weight calculators, moving company sell sites to find people and businesses willing reviews, and more. to carry the unwanted belongings away, and possibly pay for them.

Some of the most popular moving apps are, Researching and Scheduling Moving Companies • Suddath’s Moving Guru Online • MoveMatch • MovingPlanner Many moves require the services of a professional • MovingVan moving company. There are a lot of moving • iMoving companies out there, and, unfortunately, there are also a lot of scam artists and people without Moving will never be easy, but with the use the right equipment, licenses, or insurance. of the Internet and new technologies, it is now Using the Internet to find a reputable mover easier than ever. requires some caution, because many moving company scams use elaborate websites and sales References pitches to build up their image.

Federal Motor Carrier Safety Administration Nonetheless, the Internet can be useful for https://www.fmcsa.dot.gov/ finding, researching, and scheduling a moving company. Before hiring, prospects should be Better Business Bureau checked out in person and asked for an onsite https://www.bbb.org/ estimate of moving costs. Licensing information

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The Power Is Now Inc., is a Mortgage Brokerage Licensed by the State of California CALBRE License #1980407 and is not affiliatedwith any state or federal agency.

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The Power NowofInc., is also01143484 licensed by Licensewith #1435243. www.

Frazier, Eric, Lawrence a CA Mortgage for Brokerage Licensed by the Is State CA BRE andthe is NMLS not affiliated any stateGoortofederal nmlsconsumeraccess.org for verification.

The Power Is Now Inc., is- an equal housing lender. Our corporate officeLawrence is locatedisat: Street agency. Frazier, Eric Lawrence is also licensed

by NMLS# 1273606 www.nmlsconsumeraccess.org.

Frazier, Eric, an 379 equal6th housing Riverside, 92501. office Telephone and Fax: 800-401-8994.

Eric Lawrence Frazier, MBA is aand California Licensed Loan lender. OurCA corporate is located at: 3739 6th Street Riverside, CA 92501.

Telephone Fax: 800-261-1634 EricOriginator Lawrence NMLS# Frazier, 461807.

MBA is This is not aLoan commitment toNMLS# lend or extend may apply.toInformation and/or data is subject may to change notice.

All loans a Licensed Originator 461807.credit.

ThisRestrictions is not a commitment lend or extend credit.

Restrictions apply.without Information and/or data are subjecttotochange credit without approval.

Not all products available in all Not states. is subject notice.

Allloans loansorare subject are to credit approval. all loans or products are available in all states.

YOU

THE POWER OF LANGUAGE L

earning a second language is often a requirement of high school and college students as it can benefit individuals by making them more desirable in the job market.

A second language also has relevance in today’s real estate industry. Agents who speak a second language find that they stand out from the crowd, and they will see their business grow by adding whole new groups of people to their clientele.

While these clients will be purchasing homes, they might also be interested in obtaining a space to run their own business. A large majority of America’s small business owners hail from foreign countries. In fact, 1 out of every 5 U.S. small businesses is established by immigrant entrepreneurs. In larger markets such as those mentioned before, you are going to meet up with people who are first-generation Americans all of the time. They may speak broken English An increasing number of people are choosing or have someone to translate, but it will still be to move away from their home countries for beneficial to know the person’s native language multiple reasons ranging from societal hardship in order to come to a full understanding. to job relocation. Those who enter the country without a firm grasp on the English language are However, what many new agents do not realize cautious about the decisions they make and who is the smaller markets have a growing nonthey do business with, and for good reason. native population as well. Look at cities with 100,000 – 200,000 population, and you will Luckily, their transition to American living see more people who have English as a second can be made a lot easier if they find a realtor language or are struggling with the complex who speaks their mother tongue. Not only will English language. Learning a second language they benefit, but so will you. Language barriers can be difficult, but it is especially so in English. are a frustrating obstacle for both parties. By removing those language barriers, you will be REMEMBER THAT ENGLISH IS HARD able to make a real connection with your client, making your job simplier.

It is important to sympathize with those who are still learning our language. English is, after WHY BE BILINGUAL? all, widely regarded as being the most difficult language to study, especially for those whose It may seem obvious for those in major metro first language did not stem from Latin or Ancient markets, like Los Angeles, Dallas and New York Greek words. To keep it simple, English just does City to speak a second language. Real estate not make much sense as far as structure goes. It agents in the largest housing markets are just as is full of contradictions and words that sound the likely to work with a non-native English speaker same but are used differently such as “there” and as someone with a long lineage from the U.S. “their” or “feeling” and “filling.” There are also As immigration continues, the need for bilingual words like “hamburger” that contain words that realtors be in high demand. mean something else entirely. Ham is pork, but may 2016 issue

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YOU

there is no pork to be found in a hamburger.

distant second.

The English language is also riddled with rules.

Some of which are only applied under certain circumstances. For example, when you were in school you were taught “I before E except after C,” but as you know, this rule has many confusing exceptions. It doesn’t apply to words like “science” or “weird” and you probably do not have an answer for why this is. This is just one of many examples that could be given. If it is confusing for native English speakers, it is bound to confuse others.

Spanish classes are widely available. They are thought at almost every university and even small community colleges that you are bound to find nearby. There are also plenty are learning tools you may use online for studying Spanish on your own time. You can find basic free courses or explore comprehensive programs with reasonable prices. Check your local listings to find French, Mandarin, and other language classes.

A Second Language Means More Opportunities When you are fluent in a second language, you can promote your services to reflect this skill.

Buyers and sellers who are able to conduct business in a language other than English will have a strong and loyal audience. Get one client who appreciates this fact, and they will tell all of their friends about you. After all, even in this digital world, word-of-mouth remains a great marketing tool. People are still more likely to consider a service that has worked for others that they know personally.

Even if you work with international real estate investors who are fluent in English, they often feel more comfortable communicating in their native tongue. It also marks you as a professional who cares enough about their clients to make an extra effort, which will retain their loyalty. After all, when working with repeat customers you will be able to deliver better services since you will already be aware of their preferences.

For first-time buyers who do not understand English well, it will help reduce their fears and confusion in a complicated situation. They have all of these technical terms coming at them, and a person who can translate everything into In many areas, agents with a second language layman’s terms in their native language will help skill have unlimited potential. It is here that you make the process less frightening. can seize a golden opportunity with virtually no competition. However, even in large markets, the number of agents who can speak a second language well enough to enhance their business is small. In fact, the National Association of Realtors estimates the total number of agents who do speak a second language in their job is 15 percent.

Spanish is by far the most spoken second language with French coming in a

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YOU

BUILDING A BILINGUAL BUSINESS Anyone who is considering building up their agency with agents who speak a second language or learning one themselves should test the market first. They should do some research and find out who the largest minorities in the area are and what percentage of the total population they compose. You also want to know how many of them are interested in buying a home. You can conduct surveys and other types of research to get an idea of how much more business it would bring in. Developing a bi-lingual agency is one way to increase your client base and to separate your company from the competition. You will see sales increase and your reputation develop as your agency becomes more diverse.

Buyers who speak only minimal English or none at all are concerned about being taken advantage

may 2016 issue

of or getting a bad deal. By being able to speak to them in their native language, you can allay those fears and create a unique niche that will provide you with long-term success. So find your avenue to learn a second language now, or hire licensed assistants who speaks the languages you need in your business. Be aware that these assistants may become your competition in the future, so choose carefully. Personality tests are helpful in determining if you are hiring someone who wants to work in support role or on team as opposed to being their own boss and leader. Agents who feel the need to lead need to create their team and build their own business instead of working under you. Choose carefully. Your people will make or break you. You have the power to build a business that serves the community with the right people who reflect your goals and value.

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Eric Lawrence Frazier MBA Broker | President and CEO CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243

Website: www.thepowerisnow.com Email: eric.frazier@thepowerisnow.com Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

Our board of directors

Successs Money

SECOND VICE PRESIDENT success.money@ocrealtist.org 800-790-0941 ext. 737

Eric Lawrence Frazier PRESIDENT

Kym Thompson

DIRECTOR AND ASSISTANT TO THE PRESIDENT kym.thompson@ocrealtist.org 714-293-2098

Christina Kimble

Ivery Summers

R. Ann Ellis Hall

FIRST VICE PRESIDENT ivery.sells@verizon.net 310-920-3455

may 2016 issue

THIRD VICE PRESIDENT christina.kimble@ocrealtist.org 800-790-0941 ext. 705

SECRETARY ann.annellis@gmail.com 626-864-4127

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40

Our board of directors

Mary Ann Epstein

Edilma Friesen

EXECUTIVE VICE PRESIDENT Edilman.Friesen@ocrealtist.org 949-209-7708 657-900-2066

La Toya James

VICE PRESIDENT OF AFFILIATE latoyajamesrealestate@gmail.com 323-767-6933

VICE PRESIDENT OF TECHNOLOGY maryann@realpro.la 909-539-7196

Felsia Dailey

DIRECTOR OF MARKETING fdailey@ocregister.com 714-856-1743

For information about membership and upcoming events please go to www.ocrealtist.org

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