The PIN Magazine October 2016

O c t ober 2016 V o l . 0 3 | Issue 10

IN THIS ISSUE: • WHERE IS THE SACRAMENTO REAL ESTATE MARKET HEADING? • DIVERSITY AND INCLUSION IN MORTGAGE BANKING- PART II AREAA NATIONAL CONVENTION “LIKE NO OTHER” OCTOBER 21-23, 2016

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

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ANY OF OUR the PIN magazine THE POWER IS NOW INC. Vol. 03 | Issue 10

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

PREVIOUS ISSUES THE PIN MAGAZINE YOUR RESOURCE FOR

REAL ESTATE

EDITORIAL TEAM Eric Lawrence Frazier MBA Editor in Chief (800) 401-8994 Ext. 703 Goldy Ponce Arratia Managing Editor 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 Nicholas Clarkson Director of Technology (800) 401-8994 ext. 704 nicholas.clarkson@thepowerisnow.com Scocrates Ayala Online Radio & Media Manager (800) 401-8994 ext. 709 socrates.ayala@thepowerisnow.com

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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: Goldy Ponce ONLINE Web Designer: Nicholas Clarkson

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/magazine

DESIGN Art Director & Design Manager: Goldy Ponce, PUBLICATION AND SERVICES Andrej Jovanovic The PIN Magazine The Power Is Now Radio ADMINISTRATIVE The Power Is Now Publications Administrative Assistant: Kendra Gedeon 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 PIN Magazine™ is owned and published electronically by The Power Is Now, Inc. Copyright 2013-2016 The Power Is Now Inc. All rights reserved.

“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 The Power Is Now MAGAZINE | 5

www.thepowerisnow.com

In This

Issue...

FINANCIAL 14. The Low Inventory House Situation Persists

16.

24.

Throughout The US Real Estate Vs. Stocks: Which Is The Best Way To Go? Leaving Your Rental Behind: Financial Options for First Time Home Buyers

REAL ESTATE 20. Where is the Sacramento Real Estate

Market Heading?

YOU 28. The Art of Becoming a Successful Real

44.

Estate Investor To Faith in Homeownership

MORTGAGE 36. Diversity and Inclusion in Mortgage

Banking - Part II

TECHNOLOGY 48. Tips to efficiently Market our Blog

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From the Editor...

T

he end of this year is near, which means it is time for cold days to kick in; dog days are behind us. With the new elections coming our way, we as possible voters are starting to feel pressured by the love/hate relationship between the two presidential candidates. People are tangled in their web, caught up in their “little war” Who will get the seat in the White House?

The whole world is watching to see who will lead the free world. As I said in a previous issue, while I cannot tell you how to exercise your right to vote, I would still urge you to choose the lesser of two evils. Cast your vote but do so wisely.

2016 AREAA National Convention. It takes place on October, from 21st until 23rd and it is full of promising ideas and gaining experience.

The game plan for this 3-day convention is full of varieties, from networking, education and cultural exposure for the real estate, and our passion for it.

I really hope you can attend!

And talking about passion for real estate, we have brought you as usual in this issue of The PIN Magazine themes of your highest interest.

As you got used to, we will provide you with all necessary information about real estate talk in this issue, passionately explaining all the The end of the years does not mean the end of hard work behind the word real estate. You will convention season. We are still going strong. learn where Sacramento stands in relation to Your next stop is Las Vegas, “Like No Other” the real estate market. Also, it will be discussed

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the persisting low inventory situation in the US and if you think of buying a house for the first time and you are worried about how things will work in financial options, then you must find this issue helpful because we have the talk about some financial options for firs time homebuyer.

Moreover, you’ll learn about some financial options for your investment. Real estate investors in another important part of the issue, and if you want to enter into real estate market learn about the art of becoming real estate investor.

We will have the part II of the Diversity and Inclusion in Mortgage Banking article written by our excellent contributor Sharon Bartlett, and a beautiful reflection about faith in homeownership written by Diatra Simpson from DLS Inspirations.

As I have been reserving a lot of questions regarding the best way to promote your blog, there will be answers to all the questions on how to promote your blog, with a few extra tips.

fill of real estate Cup and of course I am ready to assist you when you want it. Remember, I am one click away if you need some guidance or a piece of advice. You can always reach me at eric.frazier@thepowerisnow.com and I’ll be happy to assist you.

Last, but not least, I would like to mention the upcoming Thanksgiving Giveaway held by the Fair Housing Council of Riverside on Tuesday, November 22nd, 2016. For more information visit the page 38. If possible, please participate and contribute with your valuable support and contributions to make it a success. Thank you for your dedicated readership; I look forward to speaking with you, and bear in mind, The Power Is Now!

I hope you will find this issue of the magazine Eric Lawrence Frazier MBA helpful and full of absorbing information for your Editor-In-Chief

From our followers...

Thank you for your wonderful feedback on the website and blog. Reach me anytime at eric.frazier@thepowerisnow.com

You have done a great job of explaining how to build your credit my son did #3 it did not take him long to build his credit this way.

Thanks for sharing the information I hope you have a great day.

- Pat Champion, via ActiveRain

I love this post and agree 100%. Not only are we meeting with clients, we are taking care of a myriad of other responsibilities for our existing clients and those clients deserve our best effort. I have always maintained that if a prospect calls me and I am not available to take his or her call at that very moment, they can leave a message...if they choose to keep dialing for the first available agent, then best of luck to them. Most good agents are busy all the time and aren’t sitting by the phone, waiting for it to ring. .

- Susan Haughton, via ActiveRain

I like your tips about phone etiquette. In my initial client meeting I explain that I won’t answer the phone if I’m with clients or in a meeting, but that I’ll always return calls as soon as I’m able. The exception, I tell them, is if I have an offer or counter out; they will get that same level of service. I also turn my phone off at night.

They seem to be fine with that - setting expectations goes a long way to having happy clients and customers.

- Lottie Kendal, via ActiveRain

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Keep your comments and ideas coming. Email us at info@thepowerisnow.com

Eric personifies the American Dream and is an example to others through his actions and accomplishments.

Through his hard work, determination, drive and perseverance, along with his strong faith, Eric Lawrence Frazier has built a solid reputation as a businessman, leader, visionary entrepreneur, husband and father, broadcaster, and friend to many.

- Lynn Effinger, Effinger Communications

Eric is the consummate business professional. His passion for the real estate business and helping others achieve their goals is commendable. His “Power is Now” radio theme is not just a catchy slogan. Eric has spent the last six years empowering his audience to learn, grow and achieve their business goals. I applaud his initiative and commitment to helping others and wish him every success in the future.

- Alex Perriello, Realogy Franchise Group

I have watched Eric grow The Power Is Now from a small blog radio show to an internationally known show with over one million downloads. This is an amazing accomplishment that has been achieved through Eric’s drive and resourcefulness.

- Shelley Kaye, Women in Diversified Services

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www.thepowerisnow.com

VIP Agent PROGRAM BENEFITS AS A VIP AGENT YOU’LL RECEIVE: • • • • • • • • •

Biographical Radio Interview Real Estate Advertising in The Power Is Now Online Radio, Magazine and Online TV Article Writing/Blogging Social Media Customization & Management Business Coaching Business Support, Technology and Marketing services.

Real Estate Marketing Session Networking with Industry Leaders and Top Agents Inclusion in The Power Is Now VIP Agent Mastermind Group

GET STARTED TODAY! 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

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www.thepowerisnow.com

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Israel Garcia REALTOR

Cal BRE # 01929446

SPECIALIZING IN: • Residential Real Estate • Commercial Properties • Lending & Financing

Want to Buy, Sell or Rent a Property?

Relationship Manager

Realtor | Rialto California Office: 800-401-8994 ext. 735 Direct: 90-938-4202 E-mail: israel.garcia@thepowerisnow.com Website: thepowerisnowrealestateservices.com/

Where Is The Sacramento Real Estate Market Heading?

R

ecently, the median price of a resale home in Sacramento hit $300,000. For those of you that remember the lows of $155,000 set in October of 2011, that is a 100% increase in five years. But the latest peak in price is still well below the all-time median highs of $374,000 set in August of 2005. Moody’s Analytics has analyzed recent Case-Schiller home price data and is predicting over half of the nation’s metro areas will have surpassed

october 2016

their pre-recession peak numbers by the end of 2016.

Even though home prices have been rising for six years in some areas of the country, there’s no reason to believe we are in a market bubble situation reminiscent of the previous crash six years ago. As a result of the Dodd-Frank Act, lending practices are much different than they were before. Gone are the giveaway loans and

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now, buyers are properly qualified prior to receiving a loan. If anything, lending standards tend to be on the tighter side - much to the dismay of realtors who have had difficulty in getting some clients into a new home.

Even though home prices have been rising for six years in some areas of the country, there’s no reason to believe we are in a market bubble situation reminiscent of the previous crash six years ago.

Although there are still plenty of investors out there speculating on the real estate market, they are as a whole much different than the previous group that helped send the market crashing down.

These investors more often pay with cash or use private hard money lenders to finance their projects. So, what this tells us is that upward pricing pressure across the country is not being caused by unqualified buyers wildly speculating on the housing market, but that the persistent low inventory situation is mainly the culprit. As long as supply is low, simple economic theory makes it clear that demand will remain high and pricing will continue to appreciate.

purchase will also have had a run up in pricing, your down payment and mortgage payment will be lower, and best of all, the interest rate on your new mortgage will be at or near an all time low.

On the other hand, if you are considering a purchase of a more expensive home, it would still make sense considering the present environment as long as you can actually find a home that suits your needs. One of the reasons the national low inventory situation persists is that many homeowners would like to upsize, but simply can’t find the right home. This has been one of the main factors causing the inventory problem as prospective buyers eventually throw up their Where does that leave us? The Sacramento hands and decide to stay put. market is experiencing the same economic forces that are driving the real estate markets higher Going forward, the real estate market in throughout the country. Although Sacramento Sacramento should see more of the same price isn’t in the 50% group that has already surpassed accumulation for the near term. Of course, this their pre-recession highs, most likely prices will could change if there is a sudden change to the continue to rise for the foreseeable future. As status quo such as an increase in 30 year fixed long as interest rates and inventory remain low, mortgage rates or even some unforeseen geothe present trend of price accumulation will political even that has far reaching consequences. continue.

So, if you currently own a home, should you sell now? The answer is pretty straightforward. If you, are downsizing, then it makes perfect sense to do so. You will sell into a five year run up in pricing and that is a financially sound move in any type of market. Although, the new home you

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www.thepowerisnow.com

Socorro Garcia REALTOR

Cal BRE # 01377130

SPECIALIZING IN: • Residential Real Estate • Commercial Properties • Lending & Financing

The Realtor you can trust!

Relationship Manager

Broker Manager | Fontana California Office: 800-401-8994 ext. 736 Direct: 909-206-7458 E-mail: socorro.garcia@thepowerisnow.com Website: thepowerisnowrealestateservices.com/

Leaving Your Rental Behind: Financial Options for First-Time Homebuyers For millions of Americans, from Millennials to Baby Boomers, the dream of home ownership can seem just out of reach. Instead, the reality is that more people each year sign rental leases.

Even more move from one rental to another. In the aftermath of the Great Recession and the meltdown in the housing market, it’s no surprise that so many delayed or even decided against their plans to purchase a home. The financial side of things can seem just too difficult to overcome.

available to you to make financing and affording a house easier.

First and foremost is the help of the Federal Housing Administration, or FHA. The FHA works in lenders to provide broader mortgage options for millions. One of the most difficult tasks for a renter can be to save enough money for a down payment — especially when that might be a significant percentage of the sale price. The hallmark of FHA loans, however, is the low down payment — about 3.5%. With smart saving and some financial planning, you can qualify for an FHA loan and find the perfect first home to purchase.

However, for renters who have never owned a home before, there are several options available to you. As the housing market recovers, many areas remain a buyer’s market — and now is a good time to think about getting into your first home. Consider a few of the opportunities A similar loan type is available through HUD,

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known as a 203(k). Have you seen those TV shows all about repairing “fixer-uppers”?

This loan covers purchasing a home as well as covering necessary improvements to the property. It is an excellent option for saving some money by purchasing a home you can improve on your own.

There are some discounts available for renters, too, like the Energy Efficient Mortgage option.

Simply put, when you look at purchasing a home containing energy efficiency upgrades, you can receive a larger mortgage amount in order to afford such a home. There are also discounts and options available for individuals living in rural areas who wish to purchase a home, provided by the US Department of Agriculture.

Today’s renters can be tomorrow’s As the housing market recovers, many homeowners — and there are programs in place to make it happen. areas remain a buyer’s market — and More information is available on now is a good time to think about the HUD website, HUD.gov. When getting into your first home. you’re ready to put the days of rental agreements and security deposits behind you, be confident in the knowledge that you have plenty of options to help you succeed.

Willie Wilcox Helping Families Make the Right Move Relationship Manager

E-mail: willie.wilcox@thepowerisnow.com Website: www.thepowerisnow.com Office: 800-401-8994 x 728 Direct: 510-915-5107

THE ART OF BECOMING l u f s s e c c u aS

REAL ESTATE INVESTOR R

eal estate is a very big field, which mainly focuses on the purchasing and selling of any form of landed property, theses property usually come in the form of buildings. This is a form of business which can be very lucrative or unprofitable; this is frequently dependent on the fluctuation of the property market.

the world that offers study programs and degrees that can benefit the individual who wishes to become real estate investors. Interestingly the truth is being a successful real estate investor does not demand some qualification but the sharp-witted intelligence and understanding of the system. These are possible tips which can help and assist in becoming a successful real estate A real estate investor deals in the business of investor: purchasing and making financial investments in real estate; this invest can be done for making • Build up a Plan: It has been stated substantial gains in capital appreciation, cash before that ‘failing to plan is flow or just making simple cash profits. Getting planning to fail,’ before going involved in the real estate business is a very into a complicated such as real good means of building an investment portfolio, estate investment it is important but it is no easy task. to make a proper plan of needed goals and targets. What Becoming a real estate investor from the outside is needed to be achieved after world can be seen as a simple form of trade, a certain time, and how much which involves buying of property and selling profit is also required after the it for a considerable and sizeable profit; the time. Investing can be a very dream of any businessman. Even though the difficult task, and an investor real estate business falls into such an order, it is must always be prepared still considered as one of the most difficult and for unfortunate setbacks complex business procedures in business. which can always occur in every business, creating Tips to Success in Real Estate Investments a proper plan can always help to keep investors on There are universities and institutions are around track; giving focus and

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determination in achieving long and short term goals.

• Study the Property Market: This is a

very important aspect that must be done thoroughly if an investor wishes to bring and spend money in a particular field, it is very important to learn everything needed about that particular and never go into any business as a novice. Learning about

the property market can include mortgage rates, property values, and its fluctuation, spending behavior of clients and much more.

The investor has to learn about the trends of the property market and always make sure to stay ahead of any unforeseen circumstances.

Most times a better of studying the market are done by working in property investment companies.

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www.thepowerisnow.com

• Evaluation of Finances: The property market

can be a very unpredictable form of business, before becoming a full-time invest, it is always important for the invest to make sure all finances are in order. Purchasing a piece of property can be very expensive and due to the unpredictable nature of the business, and it can leave an investor with a huge loss.

Borrowing from the banks is also an option, and that leaves the investor with much interest to pay at all time.

• Create Team: To becoming a successful real

estate investor, there, must always be a team of professionals around. In a complicated business such as real estate investment, there are always many grounds to cover and technical aspects to be handled: creating a proper team that can handle such area is of vital importance. Having an account that can attend to the complex tax laws, appraisers which determine the worth of property. A

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contractor that can calculate the cost of a possible renovation, and even a real estate agent that can reel in potential clients for invested properties. Although the property market can be a very complex form of business, its benefits are always worth the hard work.

In conclusion, becoming or being a real estate investor isn’t an overnight success story; proper homework and studying is required at all times.

Keeping up with the trends of the ever changing property market, government laws, and even customer’s behavioral pattern are just some of the few things which are required of a real estate investor. Although the property market can be a very complex form of business, its benefits will always be worth the hard work.

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DIVERSITY AND INCLUSION IN MORTGAGE BANKING - PART 2

By Sharon Bartlett

I

Recently, I shared some of my key takeaways from the Five Star Diversity & Inclusion Symposium I attended. The event reminded me of how vital it is that we continue to focus on expanding diversity and inclusion within our industry.

Advocates. Through the strong relationships I developed with this diverse group and the challenging work we did together I learned so much about the importance of having a diverse and inclusive workforce. In the process, I also learned a lot about myself. Being a Freddie Mac Diversity Advocate changed me forever!

I have been an advocate for diversity and inclusion since the early 1990’s when I was invited to It’s important to establish an understanding participate in a learning group at Freddie Mac, of what I mean when I say diversity and appropriately named the Freddie Mac Diversity inclusion. Diversity is any dimension used

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any business. It allows companies to draw from the best talent without regard to demographics.

However, inclusion of diverse groups may make some employees uncomfortable. Companies can make great headway towards promoting diversity and inclusion through diversity training, teambuilding and by linking the success of the company to diversity. But it can’t stop there! Leaders must create an atmosphere of inclusiveness in the workplace. Here are some ideas to get you started: Set an example for acceptance; employees look to their managers as role models. I think one of the best ways to do this is through sharing stories. I frequently share aspects of my life and background with my employees (and others) so that they can gain a better understanding of my personal perspective. I also encourage them to be more open as well. In doing so, we are able to relate and better understand each other. It also allows an opportunity to for us to build a bridge with things we have in common.

to differentiate people and groups from one another. But it is more than ethnicity, race, age, gender, physical and mental ability, and sexual orientation. Diversity includes cultures, perspectives, lifestyles, and work experiences.

Inclusion is the intentional, active and ongoing engagement of our diversity. Inclusion involves respecting individual differences and capturing the advantages they provide. Diversity and inclusion go hand and hand!

Demonstrate acts of inclusiveness through everyday actions. This starts the moment I walk through the door each morning. I take the time to say good morning to those around me.

In fact, most of the people I work with do this without thinking about it. This simple greeting is a huge step towards helping individuals feel acknowledged and part of our community.

Value each employees option and create a space where everyone feels comfortable sharing their thoughts and ideas. I’ll be honest, this is one that I really had to work at. While I value everyone’s opinion and certainly want my team to feel comfortable bringing ideas and concerns Diversity plays a significant role in the success of forward, my team didn’t see or feel that.

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www.thepowerisnow.com

Wow, that was tough feedback to receive‌but I’m thankful that they care enough to share that with me! It exposed a blind spot that I was not aware of and allowed me an opportunity to grow. One of the things I immediately began doing was to talk less and listen more. I also began encouraging my team to share their ideas and solicited their opinions. In the end, we had a stronger team and the ideas were flowing in faster than we could implement.

Treat employees equitability; ensure equal opportunities in pay and promotions, as well as opportunities to develop and contribute. The team I recently managed includes several lines of business within REO. While their functions fit together as a work unit, the skills required for each line of business are very different. However, I am often able to use this as an advantage by creating a crossfunctional team within the team. This works especially well when it comes to projects around vendor sourcing or training, or for projects that have short deliverable dates. The benefits are many: it brings new ideas forward, gives opportunities to everyone, facilitates development of new skills and increases available resources.

Motivate

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employees to act inclusively by incorporating behaviors into business goals. In addition to establishing goals related to daily job responsibilities, I also incorporate goals around cultural behaviors for each employee. Employees know what is expected of them and that they are being evaluated based on performance and behavior. It took a topic that Sharon Bartlett is the principal many don’t want to talk about consultant and owner of Sharon and placed it in our forethought. Bartlett Consulting. Sharon is an expert in default services Companies should regularly management and is a frequent assess their progress towards speaker at industry conferences. a more diverse and inclusive You can contact Sharon via email workplace. The assessment at sharon@sharonbartlett.com allows management and resource. employees to better understand the organizations strengths and opportunities for improvement.

While as self-assessment will be sufficient for many, it may not provide the same level of expertise, objectivity or thoroughness as an outside

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THE POWER IS NOW MORTGAGE SERVICES

A Division of The Power Is Now Inc.

ERIC LAWRENCE FRAZIER, MBA MORTGAGE SERVICES

APPLY ONLINE AT WWW.APPLYTOBUYNOW.COM OR CALL 800-261-1634 EXT. 703

Why Work with Eric Lawrence Frazier MBA?

Programs:

• 34 years of experience in helping buyers finance their home • BS in Business Administration and Management and a MBA in Finance • Real Estate Broker CALBRE # 1980407 • Experienced Business Consultant and Life Coach • Eric Frazier will counsel and guide you through the process. He will help you to make difficult decisions and support you until the loan is closed.

• • • • • • • • • •

• Obtain Preapproval online in 48 hours at www.applytobuynow.com • Join the Power Is Now Buyers Club for free at www.neverrentagain.com ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com

Grant Funds for Down Payment Assistance 100% FHA Financing Programs Conventional Loans Government Loans Jumbo Loans None Prime Loans Commerical Loans Private Equity Loans Land Loans Note Loans Buy a Home 12 Months After Bankruptcy, Foreclosure and or Short-sale.

Email: eric.frazier@thepowerisnow.com Video Chat: https://zoom.us/j/5443077305 Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

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.

Lynetta Cornelius BROKER

Cal BRE # 01362142

SPECIALIZING IN: • Residential Real Estate • Commercial Properties • Lending & Financing

Want to Buy, Sell or Rent a Property?

Director of Real Estate Sales & Operations

Office: 800-401-8994 ext. 705 Direct: 714-709-1394 E-mail: lynetta.cornelius@thepowerisnow.com Website: thepowerisnowrealestateservices.com/

ALFONZO L. EDWARDS Realtor | Cal BRE # 01937296 Relationship Manager Office: 800-401-8994 ext. 732 Direct: 925-435-2557 E-mail: alfonzo.edwards@thepowerisnow.com Website: thepowerisnowrealestateservices.com

FOR IMMEDIATE RELEASE: October 7, 2016

FAIR HOUSING COUNCIL OF RIVERSIDE COUNTY, INC. ANNOUNCES

T

Thanksgiving Giveaway

he Fair Housing Council of Riverside County, Inc. (FHCRC) will be holding its annual Thanksgiving Giveaway on Tuesday, November 22, 2016 from 8:00 am to 12:00 pm at the Riverside Fair Housing office, 3933 Mission Inn Avenue in Riverside. With the support of community partners, over the past several years over 1800 families have received food and clothing.

Fair Housing Council of Riverside County, Inc.

Sign-ups for Thanksgiving dinner baskets will be held every Tuesday and Wednesday from 8:00am to 11:00am at the Fair Housing Council of Riverside County, Inc. thru November 16th.

You must be a current Riverside resident to register (zip codes 92501-92508); please bring a current utility bill in your name and have a valid California ID. One dinner basket per household will be allowed. All families must pre-register on a “first come first serve” basis.

Contact Persons: Sara Tellez and Juanita Kodera

FHCRC is in need of monetary donations, food, and clothing for the annual Thanksgiving Giveaway. One out of seven people are currently struggling with hunger due to tough economic times. Help make a difference in a family’s life.

All donations will be accepted at the FHCRC office through November 21st and donations are tax-deductible. Please make checks payable to october 2016

We need your assistance to help make this year’s Thanksgiving Giveaway a huge success!

Contact Information: Organization Name: Fair Housing Council of Riverside County, Inc.

Address: 3933 Mission Inn Ave., Riverside, CA 92501 Telephone: (951) 682-6581 Website: www.fairhousing.net Richard Lemire Program Administrator FAIR HOUSING COUNCIL OF RIVERSIDE COUNTY 3933 Mission Inn Avenue Riverside, CA 92501 (951) 682-6581

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FOR IMMEDIATE RELEASE: Oct. 7, 2016

Mess Hall on Market in Riverside Aims to Provide

Artisanal, Organic, Handcrafted Foods Plans submitted for downtown food hall depict a foodie heaven embracing local fruits and vegetables RIVERSIDE, Calif. – The Mess Hall on Market project, approved this week by the Riverside City Council, aims to bring 14 independent eateries, experimental menus, food-themed events, cooking demonstrations, guest chefs and live entertainment to downtown Riverside.

here: http://riversideca.gov/gallery/ “Arteco Partners has done extensive market research and is very confident in the viability of the proposed urban food court plan,” said Jerry Tessier, President of Arteco Partners, developers of the successful Claremont Packing House.

“Downtown Riverside, given all the current and planned developments – from the Fox Performing Arts Center to the coming Imperial Hardware Lofts project -- is the right venue for this type of niche development.”

Riverside Food Hall LP, an affiliate of Arteco Partners of Pomona, said the Mess Hall on Market will specialize in locally-grown, artisanal, organic, and handcrafted foods with communal tables both inside and outside. The project at 3605 Market Street is part of the Fox The Mess Hall is expected to include established Performing Arts Center and is immediately restaurateurs, food entrepreneurs and students adjacent to the historic Fox Theater. from the Riverside City College Culinary Arts Academy. Purveyors will present diverse For a look at what the project could look like, go cuisines in individual spaces ranging in size from

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150 square feet to 900 square feet, according to rest of the operators opening between 9 a.m. and an application for a required conditional use 11 a.m. for the lunch crowd. Some businesses permit filed this week. would close by 10 p.m., but others could be open until 2 a.m., or later on weekend nights.

The application states that the Mess Hall on Market will be “a culinary showcase that “This project promises to inject a new level of connects Riverside’s agricultural roots with vitality into downtown Riverside,” said City the latest trends in foodie culture” in a fun and Councilman Mike Gardner, who represents the affordable setting. Tessier hopes to be open for area. “From the variety of foods to the embracing business on or before next year’s Festival of of local agriculture, which is growing as a result Lights, which kicks off in late November, 2017. of the Grow Riverside movement, this project is “My mouth is watering just reading what they a great fit for our growing entertainment hub have planned for downtown Riverside,” Mayor downtown.”

Rusty Bailey said. “Riverside food lovers are in for a real treat.”

A 24-hour video surveillance system will cover the entire premises, and hosts will be on staff The City Council approved a long-term lease on daily to ensure customers are receiving proper Tuesday with Riverside Food Hall LP to occupy service. about 15,500 square feet of restaurant, storage and dining space. Riverside Food Hall will “In order to be a legitimate food destination, have exclusive use of about 2,500 square feet of a community (such as Riverside) needs an outdoor patio space and non-exclusive access to urban food court with the right credentials,” additional ground level plaza space and second- Tessier said. “The right credentials must level patio space. A 396-space parking garage is include sustainable design, sustainable eating above the project. opportunities, partnerships with local farmers/ food growers, and partnerships with local Drawings of the proposed outdoor dining spaces educational institutions. The proposed Mess depict state-of-the-art dining facilities with Hall on Market will check all of those boxes.” outdoor fireplaces, extensive landscaping and public art. Riverside Food Hall LP seeks to operate the Mess Hall on Market 24 hours per Phil Pitchford day, 7 days a week to attract patrons for breakfast, Communications Officer lunch, dinner, before and after shows at the Fox City of Riverside Theater, downtown residents and people seeking 951.826.5975 a late-night bite to eat.

951.675.6806 (cell) ppitchford@riversideca.gov For example, a coffee bar, bakery, or breakfast www.riversideca.gov counter could be open as early as 5 a.m., with the

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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.

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Home Ownership Home ownership brings stability to individuals and families who have never had a dwelling place that they could call their own. There is something special about owning real estate that is unlike anything else on earth you can own.

Real Estate you own is not like cars that decay over time and you have to replace them.

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Real Estate you own is not like an apartment where the landlord may increase the rent until it’s no longer affordable.

Real Estate you own is not like staying at your parents house where you know can’t stay forever.

Home ownership is the beginning of wealth that increases over time and becomes your estate & legacy Home ownership is the pride of a mother nurturer and the kitchen her domain Home ownership is the pride of a father provider and protector of his territory and family.

Home ownership is the foundation of permanence and the place where life happens, birthdays celebrated, deaths mourned.

Home ownership is the place you build memories that can never be taken from you.

Memories etched in walls and concrete, experienced in rooms and floors, Memories living in trees and shrubs planted by your hand.

Howe ownership is the manifestation of you - your style, your colors, your smell, your stuff, your junk, your memories, your yard and your spaces, your life.

It’s the height markers on your first child’s bedroom wall.

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It’s the back yard barbecue with friends, neighbors and family contentions it’s the high school and college graduation, and wedding receptions Its’ the family nights and block parties and the fellowship of family connections Home ownership It’s more than real estate. Land, brick and mortar, wood frame construction and chicken wire.

It’s more than money saved, gifts recieved and grants obtained It’s more than the debt you incur to buy it.

It’s more than the payments you make to own it.

It’s more than the appreciation that comes with keeping it over time.

It’s memories, it’s family, and it’s life that can happen in one place Until you say it’s time to move.

By Eric Lawrence Frazier MBA CA BRE 01143484 | NMLS 461807

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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

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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.

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