2017 August FAARside

The Quarterly Newsletter of the Fredericksburg Area Association of REALTORS®

August 2017

The Voice of Real Estate |

www.faarmembers.com

FAARSIDE Bingo Night | May 2017 President’s Message p. 2

Open House Ribbon Cutting | June 2017

Volunteering Business 2 Foundation’s Be the Stone withGenerates Donna Tyson | Junep.2017

Valerie Dellandre and Erin Newbill Family Fun Day Crab Feast July 2017

REALTOR®Jazzfest | May 2017

Tony Mauro asks a question at the revamped Town Hall Event | June 2017

FROM THE PRESIDENT

LINDA FOSDICK 2017 PRESIDENT

And the winner is . . . YOU, our FAAR member! After many months of detailed planning, you now have an expanded facility with enhanced features to meet your needs. The classroom has been bulging with members taking advantage of our great education offerings and you needed more space. You will enjoy your next training in the newly enlarged classroom, with added video screens and speakers so that even those who like to sit in the back of the room will feel like they have front row seats.

FAAR had the opportunity to expand into our first floor, creating an annex that now offers a Media Studio, Committee Meeting Room and Board Room.

Enjoy your next meetings in the professional setting in the Annex.

Also, watch for upcoming announcements about how FAAR is partnering with area businesses to use our Media Studio to create videos that serve your clients and the community. FAAR now has more to offer its members, and we look forward to

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having you take advantage of these benefits.

While the renovation hammers have been swinging, the FAAR Staff has been actively implementing major improvements to the FAARMEMBERS.com website, which has a fresh new look and format, with more enhancements to come.

Have you entered the “ Echo Dot� contest by updating your member profile on the website? 3 Echo dots have already been given away and one drawing is left for members who enter their updates before September 1st.

Be a winner, update now!

Lastly, when you want to fly far, your engine will need a tune up! FAAR is currently converting to a powerful new back office software that will give us a broader set of tools to serve our members. Please be patient if you encounter some slight turbulence while staff is actively training to fly at higher altitudes. Once we get to cruise speed, your flight will be smoother and you will arrive at your destination more quickly. Thank you for flying FAAR, and we look forward to serving you again soon.

CONGRATULATIONS TO THESE RECENT WINNERS! CONGRATULATIONS TO HARRISON SIMPSON, CRB The Real Estate Business Institute awarded Harrison Simpson of Berkshire Hathaway HomeServices- Simpson, REALTORS®, the CRB Life Member Status. The Institute thanked him for his long and faithful service on behalf of the CRB (Certified Real Estate Brokerage Manager) designation. The Institute is confident that Harrison looks on his years of service and participation with a deep sense of pride and satisfaction.

Judith Laxague of Exit Realty

FAARMEMBERS.COM PROFILE UPDATE

ECHO DOT CONTEST

Matthew Minneman of Preferred Real Estate $300 Tracy Miller TLM Group Realty

$200 Elaine Arnold Keller Williams

$100 Daniella Severn Century21 Redwood

JULY FRONT DESK KEY GUESSING GAME

MEMBERSHIP SURVEY GIFT CARD WINNERS Answer: 907 Winner: Kristen Heitman CTI Real Estate

Connect with us!

Click on the phone to go to the social media channel on screen!

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CONTENT Sample Ballot and Board of Directors Strategic Planning 2018 slate of candidates process underway

6-11 Thank you RPAC Major Investors

12

2017 New Members Welcome

14

Flood Insurance is Key for a Healthy Local Real 16 Estate Market Commercial Corner

18

DPOR Credit Carryover Process

20

Calendar of Upcoming Events and Classes

22

23 Top 7 Activities at faarmembers.com

24

Building the Foundation of FAAR, One GRANT AT A TIME

Recent Event Photos

PAR for FAAR Foundation Charity Golf Tournament | October 2016

Sha WIlliams-Hinnant and Family Family Fun Day Crab Feast July 2017

28

46

Fee to File an Ethics Complaint? No!

30

More on the Ombudsman Program

32

Another Year, Another Successful Clothing Drive

34

Sasha Farmer, Chosen as FAAR Expo 2017 Keynote Speaker

36

Guaranteed Rent, Quality Tenants, Regular Inspections? Sign Me Up!

40

Fall Awards—Don’t Miss the Deadline!

42

FLYERS & Affiliate ADS

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Sample Ballot

Slate of Candidates- 2018 Leadership Election September 13, 2017 FAAR offers electronic voting and the ballot will be sent in an email to each REALTOR® member on August 24. Those who want to vote with a paper ballot can do so by going to the Election table in the Lobby of the Expo at the September 14 Trade Show from 9 am to 1 pm. Election results will be announced after 2 pm at the Trade Show on September 14.

Candidates for 2017 Election for the Year 2018 President *President-Elect *Vice President Secretary Treasurer Immediate Past President

Kevin McGrath, Long & Foster, Inc. Fredericksburg Drew Fristoe, Coldwell Banker Elite, Massaponax Arlene Mason, Coldwell Banker Elite, Fredericksburg Mark Geslock, Century 21 Redwood Carrie Danko, 1st Choice Better Homes & Land (2-year term) Linda Fosdick, ABR, CRS, GRI, Dockside Realty

*Please note that Drew Fristoe is now running for 2018 President-Elect. Arlene Mason, the current Vice President, asked that her name not be forwarded for 2018 President-Elect. Due to a family medical issue, Arlene requested that she remain Vice President in 2018 and be considered for the President-Elect position in 2019.

Directors—Three candidates for three positions. Select 3. __ Pam Kuper, Century 21 New Millennium __ Clay Murray, Coldwell Banker Elite, Spotsylvania __ Sandy Pearce, Coldwell Banker Elite, Spotsylvania Affiliate Position—Three candidates for 1 affiliate position. Select 1. __ Phillip Blake, MBH Settlement Group __ Barry Moore, ALCOVA Mortgage __ Donna Schmidt, American Home Shield

Get started on your ballot: https://www.ezVoteOnline.com/FAAR You will need your email and NRDS number to securely cast your vote.

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Slate of Candidates 2018 Leadership

President Kevin McGrath Long & Foster, Inc. Following the merger of the RE/MAX Bravo franchise with Long & Foster Real Estate in 2013, Kevin was looking for a new challenge, and education and leadership in the association seemed like a good place to start. Regularly teaching CE, PL, and Success Series at FAAR, Kevin finds it rewarding to see agents get excited about their business and after teaching GRI classes at associations throughout the state, Kevin is continually impressed at what a premiere organization FAAR is and is honored to serve as the BOD President in 2018. Maintaining a busy schedule as a managing broker for over 150 agents and father of 7 children, Kevin still makes time for volunteering service to the association. “Providing FAAR members real value in their membership is my top priority. I hope that my service will somehow be an example and will encourage other REALTOR® members to volunteer as well. If not us, who?”

Drew Fristoe, raised in Fredericksburg, VA, graduated from the University of Mary Washington in 2006 with a B.S. in Business Administration. A firstgeneration real estate professional who was licensed in 2008, Fristoe is active in his state and local association as well as the National Association of REALTORS®.

Drew will chair the NAR YPN committee Advisory Committee in 2018 and is also the co-founder of the Fredericksburg Area Association YPN, which Drew chaired in 2012, and the co-founder of the Virginia Association of REALTORS® YPN. He has served on the Virginia Association of REALTORS® Information Management Committee. In addition to chairing the Fredericksburg REALTORS® Foundation in 2011 and 2012, Fristoe has also worked on the Federal Political Coordinating Team for 1st District Rep. Rob Whitman (R-VA) since 2009.

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Slate of Candidates 2018 Leadership (cont.)

Mark Geslock is a real estate professional, associate broker and a real estate educator.

Vice President Arlene Mason, ABR, GRI, SFR Coldwell Banker Carriage House Realty “It gives me great pride and satisfaction to be associated with such a wonderful group of professional REALTORS®” says Arlene.

She feels that she has gained so much personally by networking and serving with other dedicated, caring and giving individuals.

A licensed REALTOR® since 2004, Arlene received her associate broker’s license in 2014. Since 2004, she has been involved with various FAAR committees including Public Relations and Professional Standards.

She has served on FAAR’s Board of Directors since 2013 including two years as the Treasurer. She is a proud graduate of the Virginia Leadership Academy Class of 2013.

Arlene would like to offer a challenge to her FAAR friends . . . “Become involved – it will open doors for you, and both you and your business will prosper.” She will be honored to serve as Vice President again and looks forward to working more closely with you.

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His career has taken him from leading people in the hospitality industry to the beverage industry.

Mark is the Executive Vice President - Real Estate Instructor at Century 21 Redwood in Fredericksburg, Virginia where he is surrounded by dynamic people.

He is a lifelong resident of Fredericksburg. He maintains a The Geslock Group blog on WordPress and wanders around on the internet. Find him @FredBurgVa on Twitter.

He is currently the Secretary for the FAAR Board of Directors and a governor for the Fredericksburg REALTORS® Foundation.

When not online, he can be seen at the BBQ smoker, in the kitchen or at his kids sporting events.

Treasurer Carrie Danko, 1st Choice Better Homes and Land Carrie Danko has been a member of FAAR for 5 years. During this time, she has held numerous positions, to include the current President of the Fredericksburg Chapter of the Women’s Council of REALTORS® (WCR) and Governor on the FAAR Foundation. Previously, she held the position of Secretary of WCR. She also had the honor of being named the FAAR Rookie of the Year in 2012.

Carrie hopes to continue to serve the members of FAAR in a meaningful way by being elected to the BOD. She is an active REALTOR® who strongly believes in the power of building business through building relationships.

She hopes to continue to support the efforts of the current BOD by identifying ways to bring value to the members of this already exceptional association.

Secretary Mark Geslock, Century 21 Redwood Realty

As 2017 FAAR President, Linda Fosdick has encouraged members to Fly FAAR! She has reveled in a year of new opportunities and exciting growth for FAAR and its members. Her Presidency has been personally rewarding as she has enjoyed interacting with her Board Members, as well as Leadership across the state, exploring best practices for achieving new heights of service to our members. Linda expresses profound admiration and gratitude to the exemplary staff at FAAR for their passion and devotion to the Association.

Linda’s greatest satisfaction will be watching future leadership continue the initiatives of all those who have come before them, as they strive to make FAAR soar.

Past President Linda Fosdick, ABR, CRS, GRI Dockside Realty

Director Chip Taylor, Century 21 Battlefield Chip Taylor has worked at the same company, Century 21 Battlefield and has been an active member of FAAR for the past 28 years now. He is honored to be completing his second term on the BOD. Chip presently serves as the Vice-Chair of the Education Committee. He also sits on the Events, Awards and Public Policy Committees. In addition, he is the Chair of the Meet Up networking group. At the state level, Chip has served on the Member Communications Committee for the last three years at Virginia Realtors and was a graduate of the Virginia Leadership Academy in 2015.

Chip’s passion remains to be on member outreach and he focuses on connecting with new members that join FAAR. He looks forward to continuing that commitment to FAAR members in 2018.

Ben was born and raised in Fredericksburg. He received an Environmental Science degree from Virginia Tech. Ben began his Real Estate Career in 2010 as a Leasing and Sales Agent. In 2013, Ben became the Vice President and Managing Broker of Coldwell Banker Commercial Elite. He has closed $75 Million in Commercial Real Estate Transactions and has built many strong relationships in the area.

Ben is a devoted family man with a lovely wife and 3 sons.

He is very active in his church and community. He proudly calls Fredericksburg “Home” and hopes to further serve his community through FAAR.

Director Ben Keddie, Coldwell Banker Elite

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Directors—3 candidates for THREE positions—Select up to THREE Licensed since early 2014, Clay Murray has found the REALTOR® community to be welcoming, educational, and ever-evolving. As a successful full-time agent with Coldwell Banker Elite, he has also worked on the FAAR Technology Committee and is currently serving as the Vice Chair in 2017. Additionally, he was involved in the planning and execution of the revamped format of the 2017 FAAR Town Hall which was very well received by members and provides a new, engaging interaction amongst industry peers. Clay is always trying to learn as much as possible in order to better his service to his clients. Even as he embarks on his fourth year as a FAAR member and full-time Realtor, he still Pam Kuper, considers himself a “newer” agent and is always ready to learn from those who’ve Century 21 been at it for many years. If elected to New Millennium serve on the Board of Directors, Clay hopes to always find new values of Pam Kuper is an award winning being an active, engaged FAAR member, REALTOR® with Century 21 New while continuing to highlight and utilize Millennium. Pam has been the wide array of services and benefits actively involved with FAAR already present at the association. during the 5 years she has been a When he’s not on his phone, at an member, serving on the Education appointment with clients, or writing Committee, Real-Talk Meetendless emails, Clay is happily raising Up and the Key-box Task Force his sweet daughter, Jane, with his lovely and is currently a FAAR board (and patient) wife, Jillian. As a family, member, completing a two year in they are involved in the local running community and are active members December. Since 2015, Pam has served as a board member for the at Fredericksburg United Methodist Safe Harbor Child Advocacy Center. Church.

She received the 2016 FAAR Good Neighbor Award and 2016 Century 21 New Millennium Community Service/Spirit Award for her contribution to the Fredericksburg area community. Because of her love for the community, she has been an active supporter of small business and has supported the work of Project FXBG, Hope House, Fairy Godmother Project and the Main Street Initiative and Clay Murray continues to seek ways to serve the people of Fredericksburg, Coldwell Banker Elite, both as a REALTOR® and a Good Spotsylvania Neighbor.

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Sandy Pearce Coldwell Banker Elite, Spotsylvania Sandy has been a resident of the Fredericksburg area for over 30 years. She previously worked in the public school system as a computer trainee and elementary school teacher. She was a charter member and 2014 President of the Fredericksburg chapter of the Women’s Council of REALTORS®, and she has served on the FAAR Board of Directors since 2016.

Sandy understands the challenges REALTOR® associations face as our profession evolves and wants to focus on keeping FAAR relevant and providing meaningful services to all members. She has 3 grown children – one son currently serving in the Navy, one son in the Army Reserves, and her daughter is a REALTOR® in Richmond. Her husband, Rick, fully supports the unpredictable hours that come with REALTOR® territory!

Affiliate—THREE candidates for ONE position—Select ONE

Phillip Blake MBH Settlement Group Phillip has 15 years experience in the Real Estate Settlement Industry and since 2008 has served as Manager of MBH Settlement Group – Fredericksburg. Phillip was the 2013 FAAR Affiliate of the Year. Since 2013 he has served as President of Spotsylvania County Little League. He earned his BBA in Finance from Radford University in 1996.

Phillip has a proven record of leadership and volunteerism through his work with MBH and Spotsylvania County Little League.

He desires to use his leadership abilities and dynamic experience to help FAAR, its Affiliates and Members in becoming the model association for REALTORS® in Virginia.

Barry Moore is a Loan Officer and Branch Manager with ALCOVA Mortgage. He has been helping clients obtain mortgage financing in the Fredericksburg Area since early 2003. He is married with two children and enjoys yardwork, cooking, and auto racing. Barry is currently the ViceChairman of the FAAR Events Committee and teaches the FAAR finance class. He was awarded the 2015 FAAR Affiliate of the Year and is very active in all FAAR events. Barry is glad to see that there will be an affiliate on the 2018 Board of Directors, he feels a different point of view will help strengthen the decisions made by the Board and make FAAR a stronger organization.

Barry Moore Alcova Mortgage

Donna Schmidt American Home Shield Donna Schmidt is an 11 year military veteran and a 13 year American Home Shield veteran. She likes to focus on how she can use her career to help others. “American Home Shield has given me an avenue to “pay it forward” by helping homeowners in need.” Her territory includes Central and Northern Virginia.

Before joining AHS, Donna was a manager with AmeriSpec Home Inspection Services. She serves as a Governor for the Fredericksburg REALTORS® Foundation and is a past Chairman of the FAAR Special Functions Committee. Donna also teaches continuing education for the ABCs of Home Warranty course.

AHS is more than a job for Donna; she lists travel, children and work as her hobbies. Her family includes 4 children and 3 grandchildren.

With a penchant for helping people and an approach to work as a hobby, Donna is a natural partner for real estate agents who want the best for their clients.

As a FAAR Board member, Donna would bring her experiences with working with multiple boards to the table. The REALTOR® and Affiliate relationship is an important part of the business and her knowledge of both sides would help provide a stronger bond between the two.

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2017 NEW MEMBERS JANUARY

FEBRUARY

Sherry Campbell Joseph Boggs Ernie Hoch Evelyn Love Ana Paige Jacqueline Klioze Nicola Cox Bernice Kube John McConnell Cindi Thomas Brenda Mckinney Lola Moore Linda Secrist Alex Rossie Annie Murphy Kristin Bowman Louis Flanagan Brian Sharp Joshua Potts Robert Desilets A J Rose Julie Barrett William Grein Barry Clark Kevin Clement Evan Jarvis Alan Moy Ali Newkirk Rickey Stuchell Kelly Norton Simone Rahal Kathleen Shields Cindy Fields

Sara Ortiz Kenya Cooper Terri Baldacci Miriam Segedi Miranda Floyd Benjamin Silone Lisa Lease Rosolino Taormina Eric Knight Andrea Alemany Amalia Fernandez Ashley Lugo Vargas Kent Schrader Daniel St.Cyr Naomi Scrum Taylor Topping Rob Williams Jennifer George Guy Miller Richards Courtney Sutphin Debbie Kerr Vicki Knight Jackie Ahrens

Joseph Knight Jennifer Lecroy Krystal Luck Lissette Gonzalez Jeanine Catron Daniel Clay Alicia Lee Amanda McCallum Michael Solomon Carla Marvin Leslie Bullock Mary Metts Cynthia Stapleton William Hudson William Morgan Sinead Sanderson Lorilei Bartholomew Denise Counts Jason Gibson Seth Woodward Timothy Hughes Debbie Newton Colby Hopwood Joy Johnson Ana Thompson

MARCH

APRIL

Lisa Bonds Donna Hazard Jesse Szombathy Alyssa Thomason Don Faulkner Elizabeth Overington

Jacqulynn Bolte Janna Durnavich Jenny Farnsworth Fred Garnes Anita Huseman Karen Julihn Alan Kidwell

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Leilani Packett Katie Tapolcai Anthony Voccia Amy Adams Greg James Susan Jurkouich Francis Mauro Felicia Gallina Lawrence Julihn Shannon Mauro Robert Huston Janice Sims Michael Skinner Vernetta Wright Melinda Murray Bernadette Talty Tametha Medina Tina Offerjost Penelope Wesely Alexander Grissom Monica Patton Francis Zarzour John Blanchard Baldwin Locher Marlon Moore Amy Stanford Jillane Heines Boni Harrison Laura Tingen Meggen Poindexter Sandra Grimes Christine Jones William Jones Roxanne Milstead Molly Turner

Kelvin Lloyd Robert Michaelis MAY Nicole Biecker Kenneth Grogan Laura Holt Mary-Alice Robinson Richard Carroll Leslie Gregoire Eric Heidig Joann Farmer Tatyana Ganeyeva Joy Pearson Mark Owens Vicky McGinnis Alan Faulkner David Cropper Tracy King Tracy Bucior Jennifer Bierfeldt Rebeca Barrientes Ashley Madison Wenye Kobman Anna Todaro Griselda Rivera Jonathan Whitson Sunny Kaur Jeffrey Sullivan Jared Anderson Samir Harmoush Chelsey Holley Dayna Akers

JUNE

JULY

AUGUST

Michael Lee Barbara Jennings Andrew Luttrell Todd Frantz Monica Santiago Holly Tarrh Elizabeth Jones Noreen Ash Allison Hancock Michael Medina Michelle Batitto Rebecca Gaglio Alexandra Van Dyck Valerie Wells Lisa Wormley Claudiu Bota Theodore Rangel Diane Butler Lyndsey Daigle Maria Sedlak Jennifer Guilday Alejandro Fermin Tron Harris Victoria Walker James Rushton Charles Moore Coy Nelson Amanda Wilkinson

David Whalley Cherelle Brown Brenda Corona Deborah Frederick Katherine Hawks Faye Jackson Candace Jones April Lane Alanna Clark Kristy DeBruhl William White Pete Griffin Glen Lanford Suzanne Surles Josie Ramos Demetrio Blanco Scott McClellan Paul Phelps David Allen Luisa Antunes Ashley Sharp Sheila Coleman Kathie Stansell Savannah Ross Elizabeth Gadoci Xiomara Rivera DeeAnna Green Malanna Henderson Rochele Campbell Stephen Fox Melissa Longton

Dwight Taylor Angela Harrison Kathryn Kersey Horn Jennifer Rees Isaac Samuels Jeff Fairman Andy Renaux David Slupek Muhammad Younas Charles Clare Susan Clare Danielle Kitzmiller Stephanie Hiner Shannon Aslett Robert Haaland Corie Bacher Lori Gomez Jerry Warsing

E!

W

M O C L E

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FLOOD INSURANCE IS KEY FOR A HEALTHY LOCAL REAL ESTATE MARKET

BY KIM MCCLELLAN, DIRECTOR OF PUBLIC POLICY

In 2010, the National Flood Insurance Program (NFIP) lapsed for 53 days and sent the local real estate market into chaos. New policies couldn’t be written, delaying closings and panicking buyers and sellers alike. Existing policies couldn’t be renewed, impacting future plans to sell and leaving homeowners vulnerable. The National Association of REALTORS® (NAR) estimates that over 1,300 home sales per day were stalled due to the lapse.

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Once the program was reauthorized, local REALTORS® were reporting exorbitant premium rates, sometimes totaling 10% of the replacement value of a home. On a $400,000 home, that’s a $40,000 annual flood insurance premium. After an outcry from REALTORS® across the nation and under pressure from the National Association of REALTORS® (NAR), the U.S. Congress amended the NFIP reauthorization legislation and fixed the most egregious issues with the law. Now we’re five years past that time staring down another reauthorization.

With this reauthorization, NAR has been advocating on behalf of homeowners since the beginning of the year to avoid any program lapses and ensure that homeowners aren’t faced with massive premium increases. It is vital that the federal government continue to provide a backstop for flood disasters. Floods claim more lives and property than any other natural disaster.

Flood disasters have been declared in every state in last five years alone. This is truly a national issue and needs to be addressed quickly and effectively when the current law expires.

As NAR continues to work with Congress and the NFIP expiration date moves closer, it may be crucial for FAAR members to engage their Members of Congress to ensure that they understand how important the flood program is to the local real estate market. If a Call for Action is issued by NAR, FAAR will echo that message and ensure that everyone in our Association has the chance to respond. NAR makes it incredibly easy to make your voice heard with just one click on your computer or one swipe in the Realtor® Action Center app. Stay tuned for more information on flood insurance in the coming weeks and months.

NAR is fighting for a reauthorization bill that will protect homeowners from major rate increases when a flood map changes, called “grandfathering”, so that we don’t see the huge increases we saw the last time. NAR is also championing the creation of accurate, propertylevel flood maps. NAR believes the NFIP should be required to use modern mapping technology to produce building specific risk assessments.

Currently, homeowners bear the burden of appealing the maps to remove low-risk buildings from the floodplain. The method for flood mapping that is used now is inefficient when light detection and ranging (LiDAR) can collect the data for whole neighborhoods at once.

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COMMERCIAL CORNER

COMMERCIAL RESOURCES Did you know theres a full page on faarmembers.com dedicated to commercial agents? Head to faarmembers.com/ commercial. Got ideas for content? Contact lzuza@faarmembers.com.

Check out these other commercial news sites from around the web!

RPR Commercial blog.narrpr.com/commercial

Site Selection Magazine www.siteselection.com

@COMMSOURCE NAR COMMERCIAL GROUP ON LINKEDIN

18 | August FAARside

CRE Tech www.cretech.com

CRE Outsider www.creoutsider.com

COMMERCIAL SERVICES NAR helps you and your business thrive by providing member services and resources developed specifically for commercial real estate professionals.

ADVOCACY

www.nar.realtor/political-advocacy

PUBLICATIONS & RESOURCES www.nar.realtor/commercial

Federal Level: • Annual Public Policy Priorities • Federal Issues Tracker • Commercial Issues & Actions Brief • Washington Report

• Commercial Connections Magazine • Legal and Risk Management Resources • Field Guides • NAR Library –eBooks, Journals, Audiobooks • REALTOR® Magazine Commercial coverage • NAR Weekly Report Commercial section • Business Letter Templates • Commercial Forms (through REALTOR Benefits® Program partner, zipLogix™), where licensed by state and local boards to zipLogix™

State & Local Levels: • REALTOR® Party Initiatives • RPAC • Broker Involvement Program

(some fees, which are set by state and local boards, may apply)

RESEARCH

www.nar.realtor/commercial/research • Commercial Real Estate Lending Trends Annual Report • Commercial Real Estate Market Trends Quarterly Report • Commercial Real Estate Outlook Quarterly Report • Expectations and Market Realities in Real Estate Annual Report • Local Market Assessment Case Studies • REALTOR® University Journal of the Center for Real Estate

EDUCATION&NETWORKING www.nar.realtor/commercial/edu

TECH & DATA

www.nar.realtor/commercial/tech • CommercialSearch™ Property Listing Platform • REALTORS® Property Resource (RPR) • Xceligent® Research & Property Data Platform, through the REALTOR Benefits® Program • realtor.com/International • NAR REach® Technology Accelerator Program Companies • CRTLabs, studying emerging technology

REALTOR BENEFITS® PROGRAM OFFERS & SAVINGS www.nar.realtor/RealtorBenefits

• Designations – ALC, CCIM, CIPS, CPM, CRE, SIOR • Online & Classroom Courses, with and without continuing education (CE) credit • REALTOR® University Master’s Degree • Local, National & International Networking Events Studies

Stay connected to the latest updates, trends and resources available by keeping your NRDS record up to date with current contact information and your fields of business.

Online: www.nar.realtor/commercial Email: NARCommercial@realtors.org Phone: 1.800.874.6500

• Banking Services & Credit Card • Personal Insurance • Gifting & Marketing Resources • Electronics & Mobile Technology • Travel & Automotive • Technology Services • Office Supplies & Services • Transaction Management • Educational Tools • Risk Management

August FAARside | 19

EDUCATION

DPOR CREDIT CARRYOVER PROCESS

BY BARBARA CASTILLO, DIRECTOR OF PROFESSIONAL DEVELOPMENT

Licensees soon will need to submit a worksheet, along with their course completion certificates, to the Board if they have continuing education (CE) they wish to “carryover.” The Board’s computer system is not capable of automatically calculating the amount of carryover CE, so the worksheet is mandatory and will be available in early September.

Once DPOR staff reviews the worksheet and evaluates whether a licensee has CE that qualifies for carryover, the eligible credits

will be entered into the licensing system and then show up on License Lookup on the website.

All licensees who submit a worksheet will receive a letter indicating if he or she has carryover CE, no matter the eligible amount. By implementing the process now, licensees will know what carryover credits are available to them by the time they actually need to use any: October 1, 2017 (the first day a license that expires in November of 2017 can be renewed).

TIMELINE Launch Carryover Webpage

August 1, 2017

Post Carryover Worksheet

September 1, 2017

Begin approving November license renewals

October 1, 2017

Questions? http://www.dpor.virginia.gov/Boards/Real-Estate/CE_Carryover/

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VIRGINIA

REAL

ESTATE

BOARD

V3.1 07-2017

www.dpor.virginia.gov/Boards/Real-Estate/ or (804) 367-8526

CONTINUING EDUCATION “CARRYOVER” PROCESS METHODOLOGY

Carryover Accumulation Period CURRENT LICENSE TERM

MANDATORY CE courses taken during the sixmonth carryover period go into the highest priority bucket (#1), until the bucket is full.* Additional CE hours then “carryover” into the next bucket (#2) until it is full, including RE Related/Elective courses.

Mandatory CE

1

If bucket #2 fills up, extra hours from MANDATORY classes go into bucket #3 and extra hours from RE Related courses go into bucket #4.

NOTE: RE RELATED CE courses and elective hours can only go into a RE Related bucket.

RE Related / Elective CE

2

- - - - - - -- - - EXPIRATION DATE - - - - - - - - -

- - - EXPIRATION DATE MINUS 6 MONTHS - - -

Courses completed prior to June 1, 2015, are not eligible for carryover. CE courses completed more than 6 months prior to a license’s expiration date are not eligible for carryover into the next license term. The use of accumulated carryover credit for license renewal will begin with licenses expiring in November 2017 (because of the effective date of the current VREB regulations).

* A bucket is “full” when all the CE requirements are met.

NEXT LICENSE TERM

Mandatory CE

3

RE Related / Elective CE

4

PRIORITY: 1 = Highest, 4 = Lowest

2018 CONTINUING EDUCATION DATES 16-HOUR CE SEMINARS

30-HOUR POST LICENSING SEMINARS

February 6 & 8 April 10 & 12 June 12 & 14 August 7 & 9 October 9 & 11 December 4 & 7

February 6, 8,13,15 April 10,12,17,19 June 12,14,19,21 August 7,9,14,16 October 9,11,16,18 December 4,7,11,13 August FAARside | 21

Calendar of

Events and Classes September

7 - MBN at FAAR 9am

13 - FAAR Expo at the Expo Center 8am-4pm

13 - YPN Networking at Buffalo Wild Wings 4pm

14 - Virginia REALTORS® Fall Broker Day

18, 25 - Success Series 9:30am

19 - Focus Night

20 - New Home Contracts

21 - Broker Management Seminar 9am-5pm

26 - GRI 503 “Business Planning” at FAAR 9am-4pm

27 - Agency for Property Managers 9am October

2, 9, 16, 13 - Success Series 9:30am

3, 5 - Virginia REALTORS® Annual Conference in

Roanoke, Virginia

9 - WCR 11am

10, 12, 17, 19 - Continuing Education/Post Licensing

13 - Foundation Golf Tournament

14 - YPN Pub Crawl 2pm

18 - VHDA Class TBA

21 - Meetup

25 - Real Estate Investing Seminar

26 - Halloween Mixer at Snead’s Farm 5-8pm November

1 - Real Estate Roundtable TBA

2 - MBN at FAAR 9am

3, 4, 5, 6 - NAR Annual Conference in Chicago

13 - WCR 11am

15 - Military Relocation Professional Certification at FAAR

16 - YPN Education Event

28 - Property Management Network “Little Known Laws

and How to Use Them to Your Advantage” 9am December

5, 7, 12, 14 - Continuing Education/Post Licensing

7 - Installation of 2018 President and Board at Olde Silk

Mill 6-11pm

11 - WCR 11am

13 - Ethics Night Class at FAAR 6pm

14 - Meetup

15 - Meetup

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Save the date for the 3 biggest events of the year!

EXPO, FAST TRACK TO EXCELLENCE 9.13.17 HALLOWEEN MIXER 10.26.17 INSTALLATION OF 2018 FAAR LEADERSHIP 12.7.17

YPN PUB CRAWL 10.14.17

STRATEGIC PLANNING PROCESS UNDERWAY

BY PAT BREME, RCE, CIPS CEO

Every three years the Association holds a strategic planning session and 2017 is the last year of the current Plan. Task Force Chair Kevin McGrath and his group will decide the focus of this year’s session, perhaps retain elements of the current plan but certainly focus on what the Association needs to do for the inevitable changes in the future.

The process begins with a membership survey which was sent last week. Member input is crucial in this process. The group plans to also hold a Focus Night, in September, where members representing a wide range of membership category are invited to discuss a variety of topics. Those invited are top producers, brokers, property managers, those new to the profession, seasoned agents, commercial agents and

others. Please say “YES” to the invite if you are selected.

The information gathering culminates in a probing and thoughtful strategic planning session so the best goals for the Association are selected.

The session is scheduled for October with a facilitator. The Plan once approved by the Board will be implemented the beginning 2018.

August FAARside | 23

ON S E I IT V I T M C O A C .

7 RS E TOP B EM M R FAA

BY LAUREN ZUZA, WEBMASTER

1. My Account Update your profile, access class history, and pay your dues. Your account page is the gateway to your personal FAAR information. Something incorrect? Let us via email at lzuza@faarmembers.com 2. Calendar Register for a class or upcoming event. Don’t see a class on the calendar yet? We’re working on it!

3. Tools > Flyers View upcoming event and class flyers at a glance!

Flyers are completed in advance of creating online registration so you may see events or classes here that have not made it to the online calendar yet.

4. Tools > Forms Get the forms you need! All the FAAR Forms are listed on this page and categorized into sections: Nonmembers, REALTORS®, Brokers, Affiliiates, & Committee Members.

5. News Visit the news hub for the latest FAAR news including association news, market statistics, links to resources, and more!

6. Your Association > Affiliate Marketing Partners View the FAAR affiliates and vendors who want to get in front of you!

7. Member Search Look up any REALTOR® or Affiliate member in this always current directory fed from the FAAR database.

24 | August FAARside

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August FAARside | 25

FOUNDATION

516 Project Check Presentation | June 2017

Hazel Hill Check Presentation | July 2017

Building the Foundation of FAAR, One Grant at a Time MARY BETH RICH, FOUNDATION PRESIDENT

26 | August FAARside

As agents, we rush from one appointment to the next often without time to take a breath, and certainly not to contemplate what’s happening at our local association.

As President of the Fredericksburg REALTORS® Foundation, I want to assure you that your association is accomplishing good work in the name of REALTORS® throughout the year.

That $20 contribution you gave to play Bingo or the $10 in raffle tickets you bought is helping someone repair a leaky roof, finally get a wheelchair ramp, or obtain the care and advice they need to maintain their health and thus their employment and their home. So far in 2017, the Foundation has given $1,000 to the Hazel Hill Healthcare Project and $5,000 to the 516 Project. The Hazel Hill project helps residents stay in their homes by providing on-site and in-home visits with a nurse. These visits help residents manage chronic medical issues and achieve stable housing. The

516 Project provides home repair services throughout our service territory by enlisting volunteer assistance coupled with financial support from organizations like the Foundation.

The Foundation was very pleased to give these grants, but we know we can do more. The Foundation’s 2nd Annual Par for FAAR golf tournament is coming up on Friday, October 13, 2017 at Augustine Golf Club. Visit www. faarmembers.com/parforfaar for more information and to register your foursome today!

Bingo Foundation Fundraiser Event | May 2017

August FAARside | 27

PROFESSIONAL STANDARDS

FEE TO FILE AN ETHICS COMPLAINT? NO!

BY PAT BREME, RCE, CIPS, CEO

Let me start off by dispelling a misconception regarding filing an ethics complaint with FAAR. THERE IS NO FEE, however, members must complete a form, attach a narrative detailing the situation and file within 180 days of the occurrence or knowledge of the occurrence. Additionally, there is no fee if the complaint is processed through the Citation System. The mediation process has no fee.

There are, however, fees for the following1- A $250 Processing Fee is imposed on a member who is found in violation of an Article of the Code.

2- A Broker who requests an arbitration and the responding broker are levied a $350 Filing Fee. The party who prevails is refunded the Filing Fee. 3- Appealing an Ethics Hearing Decision- $250 4- Requesting a Procedural Review- $250 5- Dispute Resolution Fee- $250 from the primary parties

28 | August FAARside

What happened to the golden rule?

Pathways to Professionalism—Do unto others…

Created by the National Association of REALTORS®, Pathways to Professionalism, is a useful, common sense guide to simple courtesy. For example, - Never allow buyers to enter listed property unaccompanied.

- Respond to other agents’ calls, faxes, and e-mails promptly and courteously.

The Law of the REALTOR® world…

The Code of Ethics The Code of Ethics is a REALTOR’S® compass for professional behavior. It is composed of 17 Articles covering duties to clients and customers, the public and to REALTORS®. The Code goes beyond common sense niceties to what REALTORS® pledge to abide by in their business activities. For REALTORS® it is the law!

Observing unprofessional behavior…

Filing an ethics complain—Is it really snitching?

Some describe filing an ethics complaint as ratting out, snitching, and view the whole process as unsavory. For the Complainant, time is spent on writing a narrative, citing Articles and gathering information. From the Respondent’s point of view, time is spent on gathering documents to defend his or her motives and actions.

When a complaint is sent to FAAR, a Grievance Committee meeting is convened to examine the complaint to see if it has been properly filed. They do not review the information from the Respondent. The Grievance Working Group bases its decision on the facts of the complaint and the final question they ask themselves is, “If the facts alleged in the complaint were taken as true on their face, is it possible that a violation of the Code of Ethics occurred?”

In most cases the complaint is moved on to a hearing because the answer is usually, yes. Why doesn’t the Grievance Working Group look at the Respondent’s view of the situation? When a group has both sides presented it is too easy

August FAARside | 29

to draw conclusions and determine outcomes.

That is not the role of the Grievance Working Group. It acts like a Grand Jury and only looks at the complaint’s viability. It can also dismiss a complaint.

The Citation System With the adoption of the Citation System, the Grievance Committee may decide a complaint fits the criteria and ask the Respondent whether he or she wants the issue to proceed to a hearing or, without admitting guilt, pay a fine and/or attend mandatory education for the alleged violation. The program only covers certain Articles of the Code- 1, 3, 4, 5, 6, 9, 12, 14, 16. The fines range from $150 to $950.

Complaints coming from other participating Associations- PWAR, DAAR, NVAR, BRAR and GPAAR, will be treated in the same way as outlined. Is it like getting a traffic ticket? Yes. The Respondent accepting the fine avoids an uncomfortable and often times a consuming hearing process. The Complainant still believes justice has been served by drawing attention to unprofessional behavior. https://www.faarmembers.com/wp-content/ uploads/2017/05/Citation-Brochure-2017.pdf

The Ombudsman Program The Ombudsman Program in its simplest definition is informal telephone mediation. In some cases it can address and solve minor complaints from the public. The ombudsman can also solve inter-REALTOR® conflicts before they become serious problems.

Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional, technical and procedural questions that can be addressed by communication. Like a mediator, an ombudsman helps parties find solutions that 30 | August FAARside

everyone can be happy with.

Where’s my commission?

Another service the REALTOR® Association offers is arbitration of contractual disputes. Most often disputes are over commissions- who was the procuring cause of the sale? This is a broker-to-broker issue but the agents who are party to the transaction are involved and usually present at the hearing. There are no cookie cutter answers to an arbitration involving procuring cause. The answer to “who did the work” question is colored by many things, such as, client behavior, lapses in service, lack of communication between all parties, etc. Some disagreements can be resolved and the formal process averted if brokers are willing to agree to a resolution.

Mediation, a reasonable compromise FAAR offers mediation to the parties after the Grievance Working Group has determined an issue is an arbitral matter or has determined that an ethics complaint needs to advance to a hearing. Both parties must agree to come to the table to try to resolve the matter. If mediation fails or one party declines the offer to mediate, the case moves on to the hearing process.

The hearing Due process is the goal of the hearing because both sides have an opportunity to present their case, call their witnesses, and crossexamine. Only after both the Complainant and Respondent have their say does a panel of peers decide whether a violation has occurred.

It is a fair process and much is disclosed during the process. The truth usually rises to the surface. If an agent is found in violation the panel serves a disciplinary action ranges from taking a class on a particular subject to

The Association can not take a license away, that is the responsibility of the Virginia Real Estate Board, who by the way, has it own complaint process independent of whatever action the Association takes.

Broker to broker problem solving Often unprofessional activities or commission disputes are resolved if brokers take it upon themselves to communicate with each other.

Often problems don’t have to become formal complaints requests for arbitration or worse, not addressed at all, if brokers step in and resolve issues.

Ignoring the problems Unprofessional behavior ultimately harms everyone in the business. The public, who may be a victim is observing the behavior and forming negative opinions about REALTORS® in general.

Head to faarmembers.com > tools > ethics or www.faarmembers.com/ethical-standards/ If warranted use the professional standards services of the Association but always be mindful of the standards REALTORS® pledge themselves to observe.

“ I PLEDGE MYSELF TO PROTECT THE INDIVIDUAL RIGHT OF REAL ESTATE OWNERSHIP AND TO WIDEN THE OPPORTUNITY TO ENJOY IT; TO BE HONORABLE AND HONEST IN ALL DEALINGS; TO SEEK TO BETTER REPRESENT MY CLIENTS

BY BUILDING MY KNOWLEDGE AND COMPETENCE; TO ACT HONESTLY TOWARDS ALL IN THE SPIRIT OF THE GOLDEN RULE; TO SERVE WELL MY COMMUNITY, AND THROUGH IT MY COUNTRY; TO OBSERVE THE REALTORS’® CODE OF ETHICS AND TO CONFORM MY CONDUCT TO ITS LOFTY IDEALS.

“

expulsion from the Association.

August FAARside | 31

MORE ON THE OMBUDSMAN PROGRAM In order to comply with a new NAR mandate, FAAR and REALTOR® associations across the country have added an ombudsman program to their list of services. FAAR and five other associations in the area, Northern Virginia, Greater Piedmont, Prince William, Blue Ridge and Dulles Area Associations of REALTORS® already have a regional professional standards agreement in place. Several FAAR members are trained in the program and are ready to review requests from members and the public. Diane K. Disbrow, 2015 National Association of REALTORS® Professional Standards Committee Chair explained the Ombudsman program best in the following article.

BY PAT BREME, RCE, CIPS

is to communicate the concerns of one party to the other and seek a resolution so In most cases, the designated contact that a positive relationship between the person at the local association, often the Professional Standards Administrator, listens parties can be restored. Let’s face it, most people don’t like conflict so it’s easier for to the callers complaint or concerns and then explains the ombudsman service if the a consumer or REALTOR® to contact the local association of REALTORS® to vent or complaint meets the associations criteria voice their concerns than bring the problem for an ombudsman to handle. The staff person also explains that if the ombudsman up directly with the REALTOR® they are upset with. It’s so much easier with a neutral service is not successful in resolving the person who can be the go-between. problem, the complainant may still file a formal, written ethics complaint with the Who are these ombudsmen?

Association. If the complainant accepts the Typically, Associations of REALTOR® ombudsman service, the staff person then relays the concerns to the ombudsman who appoint members to be ombudsman who have a certain number of years of contacts the complainant, listens to their real estate experience and are familiar concerns, clarifies that they understand with the REALTORS® Code of Ethics, the the situation and ascertains what their desired outcome is. The ombudsman’s role professional standards process and have

How does it work?

32 | August FAARside

knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices.

The ombudsman must be fair and credible, avoid making a judgment of who is right or wrong and can also not give legal advice to any party. Careful listening, summarizing the situation, determining what is most important to resolve the situation or make everyone satisfied and working toward that goal.

Why now, you might ask?

The main reason is because it’s been so successful for associations that have a program in place. It seems that many members of the public are reluctant to file a written ethics complaint for several reasons; the process is too cumbersome and the paperwork is too hard to understand. They really just want someone to listen and help solve their problem.

They do not want to fill out paperwork. Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed.

Even REALTORS® are often reluctant to file ethics complaints for similar reasons and also because they would rather not “rock the boat” and cause conflict with other members that they cooperate with on transactions. Many ethics complaints might be averted with enhanced communications and initial problemsolving capacity at the local Association level.

In reality, many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTOR® or consumer wants to file a complaint. In many

instances, staff is successful in alleviating the concerns. However, that isn’t always the case.

Consumers and our members really just want their story to be heard and having a team or committee of qualified REALTOR® members serving as ombudsman available to assist in resolving disputes has met with great success.

It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTOR® may be trying to cover up for another and reopens communications between the parties.

The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist. This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience.

It’s an opportunity to improve our professional reputation as REALTORS®.

Over the years, the mediation of monetary disputes between REALTORS® has been a huge success and mediation is the “preferred dispute resolution” process of the National Association of REALTORS®. Hopefully, the ombudsman program will have similar success. It’s a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring that our customers and clients continue to have great relationships with REALTORS® who truly want to make sure they have a great real estate experience.

August FAARside | 33

ANOTHER YEAR, ANOTHER SUCCESSFUL CLOTHING DRIVE!

BY KIM MCLELLAN, PUBLIC POLICY DIRECTORY

FAAR hosted another successful clothing drive, collecting clothes for the entire month of May and culminating with a beautiful shopping experience hosted by Lifepoint Church in Fredericksburg on June 8, 2017. FAAR members and the general public contributed thousands of articles of clothing, shoes, jewelry, accessories, handbags, and more. Dozens of volunteers sorted, organized, and presented the donated items in a lovely boutique that serviced nearly 80 women.

FAAR would not have been able to put on such an amazing event if it weren’t for the support of our volunteers and Lifepoint Church.

FAAR has decided to take a year off from the extremely laborintensive clothing drive and explore the opportunity of hosting an association-wide community service day. The goal is to the bring the clothing drive back in 2019, so keep putting your gently worn professional and business casual clothing aside!

The new project will aim to accomplish five home repair projects with one in each of the FAAR service territory including the City of Fredericksburg and the counties of Caroline, King George, Spotsylvania, and Stafford. Be on the lookout for more information so you can save the date for this great community service event in 2018!

Read the Free Lance Star article http://bit.ly/2wemrad

34 | August FAARside

Doors Open @ 5:00 pm Race Starts @ 7:00 pm

Saturday, September 16, 2017 @ Dominion Raceway

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$60 per person Tickets Include: BBQ Dinner Beer, Wine, & Soft Drinks Pit Passes Race Ticket Air Conditioned Champion Suite

Registration Required—register online at www.faarmembers.com/calendar or fax to 540-736-0301

Name_________________________________Company_____________________ Phone_________________________________Email___________________ Credit Card_______________________________________________CVC_______ Billing Address_____________________________________________Zip________ Total____________Exp. Date________Signature___________________________ Note: Contributions to Virginia REALTORS® RPAC are voluntary and are used for political purposes; they are not deductible for federal or state income tax purposes. Members may contribute more or less than the suggested amount and may refuse to contribute without reprisal. The National Association of REALTORS® or any of its state associations or local boards will not favor or disfavor any member because of the amount contributed. NAR has established state Federal RPAC Disbursement Allocations based on anticipated National RPAC needs. Thirty percent of all Major Investor contributions are sent to NAR to be applied to the Federal RPAC Disbursement Allocation and are charged against the limits under 2 U.S.C. 441a with the remaining seventy percent maintained for August FAARside | 35 state and local usage. Decisions regarding Virginia REALTORS® RPAC contributions to meet the Federal RPAC Disbursement Allocation will be made throughout the fundraising year.

EXPO

SASHA FARMER, CHOSEN AS FAAR EXPO 2017 KEYNOTE SPEAKER Come out on September 13th to hear Sasha shares her tips on how to “Guarantee Your Listing Clients the Highest Possible Price, in the Shortest Amount of Time, with the Least Hassle.”

BY BARBARA CASTILLO, RCE PROFESSIONAL DEVELOPMENT DIRECTOR

The 2017 FAAR Expo will be held on September 13, 2017 at the Fredericksburg Expo and Conference Center.

The Expo floor will open at 9am and close at 2pm. At 2pm there will be a Victory Lane Bash with Happy Hour, networking and prizes. Pricing for the FAAR Expo will be $35 for FAAR members and includes access to the trade show floor, unlimited classes, one drink ticket for the Victory Lane Bash and lunch. Join YPN at Buffalo Wild Wings for post-expo networking fun!

FAAR is pleased to have Charlottesville Association of REALTORS® member, Sasha Farmer as the 2017 Keynote Speaker. Sasha is practicing real estate agent with an effective sales team, she leads a 65-year-old real estate firm in Central Virginia, and she speaks, teaches, and Make sure and mark the date on your mentors real estate agents across the calendar, you won’t want to miss U.S. and internationally.

FAAR’s biggest event of the year! A big thank you to Assurance Financial, The 2017 FAAR Expo theme is Fast the 2017 FAAR Expo Event Sponsor Track to Excellence, so be prepared and to C&F Mortgage, the 2017 FAAR for many creative booth displays!

Keynote Speaker Sponsor.

36 | August FAARside

Keynote: Sasha Farmer

Learn more about Sasha at coachsasha.com

September 13, 2017

Guarantee Your Listing Clients the Highest Possible Price, in the Shortest Amount of Time, with the Least Hassle

9:00-10:00 AM | Classroom 1 Get Sasha's full listing marketing plan, from the initial intake of the lead, through the preparation for the pricing walk-through, the client meetings, the roll-out of a unique marketing plan, and the contract-to-closing service process. Tools and tips to make your listing stand out from the competition include Facebook sneak previews, move-up neighborhood mailers, individual property websites, social media exposure, print collateral, & more!

Scott Hine: Financing the Build-Is New Construction an Option for My Client?

1 hour CE Real Estate Related

10:00-11:00 AM | Classroom 2 You will learn the basic types of construction-to-perm lending, what types of borrowers can qualify for these loans, and the main differences between the various permanent loan options and guidelines. Get the knowledge you need to feel comfortable presenting new construction as a viable option to your clients.

Event Location | Fredericksburg Expo Center Register at faarmembers.com/calendar or fax to 540-736-0301

Name____________________________ Company_________________________ Phone___________________________ Email____________________________

Barry Clark and Ali Newkirk: E-Communications & Cyber Fraud: Do We Worry Too Much?

Keynote Sasha Farmer

1 hour CE Real Estate Related

Financing the Build—New Construction

10:30-11:30 AM | Classroom 1

E-Communications and Cyber Fraud

What information is at risk in an electronic in a real estate transaction?

How can you protect your clients and yourself? This class covers NPI, wire fraud, spoofing, and e-mail best practices. Leave this class with a greater appreciation for the risks associated with e-communication and an understanding of the need to implement a more rigorous set of best practices.

2 hr CE Real Estate Related / 2 hr PL Current Industry Issues & Trends / 2 hr Broker Management

Noon-2:00 PM | Classroom 1 Real Estate transactions aren’t always black and white, sometimes you have to navigate some grey areas. How many details regarding adjacent property do you need to disclose? Is it Dual or Designated if you are on the same team? What happens to the EMD if the deal dies before it was even collected? Join us as we take an in depth look at some situations you may find yourself in someday.

Laura Farley: Advertising—Promoting Your Business the Right Way 2 hr CE Legal Updates with Flood / 2 hr PL Current Industry Issues & Trends

12:30-2:30 PM | Classroom 2

Event Sponsor

_______

Want to be sure that your ads are up to snuff? Worried about what you can say online, write in an email, or print on the desk calendars you give away? This course will help you understand exactly what “advertising” is and how to be sure you do it right.

Advertising—Promoting the Right Way

_____________

Michele Freemyers, Chip Taylor, Kevin McGrath: Sticky Scenarios

Sticky Scenarios

member price non-member price

s Door at n ope 8AM

includes lunch from 11-1 tradeshow floor unlimited classes 1 drink ticket for Victory Lane Bash

tradeshow floor only

at the door member price

Don't miss the Victory Lane Bash from 2-4 and post-expo YPN Networking at 4 at Buffalo Wild Wings!

Amount ____________________________ Credit Card #________________________ Exp. Date ___________ CVC___________ Billing Address______________________ _______________________Zip_________ Signature___________________________ Thanks to our Sponsors

15% off all FAAR Store items at the FAAR Expo on September 13!

REALTOR® pins and brochure holders will be discounted even more!

38 | August FAARside

August FAARside | 39

PROPERTY MANAGEMENT

GUARANTEED RENT, QUALITY TENANTS, REGULAR INSPECTIONS? SIGN ME UP!

BY KIM MCCLELLAN, DIRECTOR OF PUBLIC POLICY

Attention FAAR property managers: are you aware that working with local housing nonprofits can bring guaranteed rent, quality tenants, and regular inspections of the property? The programs offered through local housing non-profits could be a great fit for your property owners!

means to pay market-rate rent but need a little help such as security deposit and first month’s rent. The second program is called permanent supportive housing and provides rental subsidies for up to two years.

Both programs include case management as many of the clients Ms. Gaskins works FAAR’s Property Management Network was with have barriers to securing housing. recently briefed by Deanna Gaskins, a former Those eligible for rapid re-housing often real estate licensee, about the programs she don’t have six months of pay stubs to qualify runs as the Housing Locator for area housing for a large apartment complex, even though non-profits. This is not Section 8 Housing they earn enough to pay the full rental Vouchers, but a different set of programs amount. Oftentimes clients’ credit scores that is funded through the state and other or criminal backgrounds prevent them from federal programs. qualifying. For rapid re-housing, the lease is between the client and the property Ms. Gaskins is actually employed by Micah owner. These individuals are able to be Ecumenical Ministries, a faith-based self-supporting with a little bit of help from housing non-profit located in downtown Micah.

Fredericksburg that focuses on the homeless population. She serves as the For those in permanent supportive housing, Housing Locator for other non-profits in the many have mental health issues, substance region including Thurman Brisben and Hope abuse challenges or criminal histories that House. Micah has two different programs prevent them from accessing stable, quality and they are currently looking to expand housing. The most important element of the network of property owners they use. success with both of these programs is the The first program is called rapid re-housing relationship between the property manager and it focuses on individuals who have the and the case manager. Whenever there

40 | August FAARside

is an issue, the property manager calls the case manager so that they can intervene and correct the issue before it becomes a major problem. With permanent supportive housing, the lease is between Micah and the property owner and the client subleases from Micah.

Micah performs regular inspections of the property, once a month at the very least, and provides the property manager with an update on the condition of the property and if there are any issues. The client pays 30% of the rent and Micah pays the remaining 70%.

These are market rate units so there is no loss of rental revenue to the property owner.

Clay Milhoulides of Chrismarr Realty has worked with the program for nearly five years. He has never had to evict anyone and hasn’t had any major problems. When he has a unit come available, his first call is to Ms. Gaskins to see if she has any clients that could be a good fit for his property. “It makes my job so much easier keeping my units rented,” stated Mr. Milhoulides. “It’s a win-win. I keep my units rented and help somebody out.”

For more information on the program and to be connected with Ms. Gaskins, email Kim McClellan at kmcclellan@ faarmembers.com.

August FAARside | 41

AWARDS

FALL AWARDS APPLICATION PROCESS OPENS AT THE EXPO, DON’T MISS THE DEADLINE!

BY PAT BREME, RCE, CIPS CEO

Awards Committee Chair Bonnie Ramey is happy to report that applications were up and we are hoping that the fall awards season has similar increases. Some of the forms were tweaked to be easier to fill out.

“There are members out there who are deserving and cumbersome forms should not be a deterrent to giving recognition to them.” She and Vice Chair Corey Green urge members and brokers to take the time to review the various recognitions. “There is someone in your REALTOR® life who is perfect for one of the FAAR awards.” The managing broker community is urged to recognize the achievements of their agents by promoting nominations or nominating someone from the office. Application deadline is October 31, 2017.

activities with little fanfare but someone you always count on to be helpful with any task requested.

Look for the FAAR van at the Expo.

The Awards Committee be stationed at the van to explain the falls awards. They will be sporting “Put a smile a member’s face” T-shirts. Wear a “Put a smile a member’s face” sticker and possibly win a cash prize. A cash raffle is also planned by the group.

Next awards season- Show the Love

Promotion begins at the September 13 Expo

The Show the Love awards season begins after the first of the year. Deadline is February 14, 2018. This season of awarding features applications for REALTOR® of the Year, Manager of the Year, Salesperson (Rookie) of the Year, REALTORS® Choice.

The Professional Honor Role and new for 2018 is the Educator of Year.

Applications are for Raising the Bar, the Good Neighbor, Affiliate of the Year and the new Spirit Award. Cindy LeBrun was the first recipient in 2016 because she exemplifies the criteria—a cheerleader for FAAR, who steps up to volunteer for events and

Hall of Fame, Silver Circle and REALTOR® Emeritus are selected by date of membership and Hall of Fame by the Awards Committee or by the Board of Directors.

42 | August FAARside

Applications at faarmembers.com Members can access all the awards applications anytime by going to the website, faarmembers. com > Your Association > Awards or www. faarmembers.com/awards The following modifications were made in 2016:

•

On most applications, Check the Box verification has replaced the requirement to provide a narrative.

•The eligibility period for application for Rookie Salesperson of the Year is now 15 months, not 12-months form date of license. Brokers must provide examples in the Character and Integrity section as well as, Service to Clients.

•Professional Honor Role production is now $3 million or 12 sides of the transaction. (Formally, $2 million and 18 sides)

•

REALTORS® Choice application, now subtitled “Who knocks it out of the park?”, no longer requires a nominee to have 3 different nominations. For the Committee to best understand the nominee’s contributions, a short narrative is now required.

Robin Skinner and Sarah Stelmok of Nest Realty Rookie of the Year and Manager of the Year

•Reference to the percentage the response

counts in the overall consideration is eliminated.

•Rather than meeting the two-year ethics

course requirement, the applications now state, A violation(s) of the Code of Ethics during the award year will be considered.

•Raising the Bar, formally called the Code

of Ethics award, now focuses on exhibited exemplary professionalism rather than actually teaching the Code of Ethics.

Professional Honor Role Achievers | April 2017

August FAARside | 43

ATTENTION FAAR AGENTS & BROKERS! Dues billing for 2017 has been completed and published to your account at faarmembers.com. Payments are due no later than September 30, 2017. Bills paid after that date will incur a $25 late fee. Membership will be dropped if not paid

by December 31, 2075. Membership may be reinstated by completing an application for membership and paying the $275 application fee and the 2018 dues of $590. You will not receive a paper bill for dues.

44 | August FAARside

RISE HIGHER THIS FALL A T T H E 2 0 1 7 R E A L T O R S® C O N F E R E N C E & E X P O

Chicago has always been a place where people have dreamed bigger, reached further and worked harder to achieve their goals.

This year, REALTORS® will have the opportunity to do just that at the 2017 REALTORS® Conference & Expo.

Catch up on the latest industry trends from 100 education sessions, explore the hottest technologies from over 400 exhibitors, and network with 20,000 of the industry’s most successful real estate professionals.

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R E A LTO R S® C O N F E R E N C E & E X P O

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R E G I S T E R N O W AT W W W. R E G I S T E R . R E A LT O R L E A R N M O R E A T W W W. C O N F E R E N C E . R E A LT O R

August FAARside | 45

RECENT EVENT PHOTOS 8.10.17 Foundation Rocks http://bit. ly/2vfEQT5

Family Fun Day

7.22.17 FAAR Family Fun Day Crab Feast http://bit. ly/2uR0z44 7.14.2017 Open House http://bit. ly/2vYVY27

Open House

6.14.2017 Town Hall http://bit.

Town Hall ly/2irg6oY 5.25.17 Jazzfest http://bit. ly/2v6jxqO

Jazzfest

46 | August FAARside

Foundation Rocks

EMERALD SAPPHIRE RUBY GOLD

Fredericksburg | Quantico

HEY REALTORS®—REFER AN AFFILIATE TO OUR AMP PROGRAM AND RECEIVE A FREE CLASS UP TO $35 VALUE! August FAARside

| 47

20 hours of education & practical advice for only $75!

An amazing member value, the Success Series is designed to teach agents beyond the pre-licensing manual. It is a guide to getting street smart. The six, 3.5 hour sessions are a business building how-to.

Aimed primarily for newer agents, it also reinforces the basics for seasoned agents to increase productivity.

_____Monday, September 18, 9:30-12:30 Welcome from Chip Taylor Open houses, Safety, MRIS basics with Kevin McGrath 9:45-11 Basics of doing rentals with Dawn Josemans 11-12:30

_____Monday, September 25, 9:30–12:30 Business Building and Prospecting tips from Mark Geslock Learn the 7 numbers that REALLY matter for success!

_____Monday, October 2, 9:30-1:30 Contracts with Michele Freemyers! 4 full hours of tips and tricks to draft and negotiate an effective contract.

Registration required.

Class Fee

The instructors are respected FAAR members who are eager to share their knowledge and experiences.

______Monday, October 9 10:00-1:30 New Home Construction Field Trip - Location TBD

______Monday, October 16, 9:00–1:00 Finance for REALTORS®: qualifying clients, and loan programs available with Tanner Mulvihill 9-11 Mock Settlement with Philip Blake from 11-1

______Monday, October 23, 9:30—1:30 How to do CMA’s, listing agent paperwork with Sarah Stelmok Closing with Chip Taylor Graduation!

Sponsored by

Members ___$25/module___$75/entire series Non-members ___$35/module___$100/entire series

REGISTER ONLINE — faarmembers.com/calendar and login to our registration system.

OR BY FAX — complete the registration information below and fax to (540) 736-0301.

+5 Education

Name__________________________________Company________________________________________________ Phone__________________________Email_________________________________Total ($)___________________ Credit Card #________________________________________________CVC___________EXP. Date_____________ Billing Address___________________________________________________________________________________ Authorized Signature_________________________________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711.

Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event FAAR Academy cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) business day prior to the class date. By attending this event, you authorize FAAR to use any photos or videos taken during the event in future media promotions.

48 | August FAARside

Deconstructing the New Home Contract with instructor Michele Freemyers, Ekko Title Sept.20 | 10 AM- 12 PM | FAAR Academy Classroom

What should you expect when representing a buyer through the new home construction process?

Builder contracts can differ SUBSTANTIALLY from the residential sales contract you are familiar with– so this class will prepare you to navigate through this process and best represent your buyer.

Se 10 ptem AM b - 1 er 2 2P 0 M

All new home contracts are NOT the same 2 hours CE - Contracts 2 hours PL - Current Industry Issues & Trends Registration required.

Members ___$25

Non-Members ___$35

REGISTER ONLINE — faarmembers.com/calendar & log in to our system OR BY FAX — complete the registration information below and fax to (540) 736-0301.

+5PHR

Education

Name_________________________________Company_________________________ Phone_________________________________Email____________________________ Credit Card_________________________________________________CVC_________ Billing Address___________________________________________________________ Total___________Exp. Date__________Signature______________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711. Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event FAAR Academy cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) business day prior to the class date.

August FAARside | 49

YPN 6TH ANNUAL Saturday, october 14th, 2017

Starts at 2:00 pm

Join us for an afternoon of networking and fun, all while helping our community!

Haven't received a shirt?

It will be waiting for you at the pub crawl!

Event Sponsor

Thank you to the participating establishments & our amazing sponsors!

Registration required.

$20 Members $25 Non-members

REGISTER ONLINE— at faarmembers.com/calendar OR BY FAX—complete the registration information below and fax to (540) 736-0301.

Name____________________________________Company_______________________________ Phone_________________________________Email_____________________________________ Credit Card__________________________________________________________CVC_________ Billing Address_______________________________________________________Zip___________ 50 | August FAARside Total____________Exp. Date____________Signature_____________________________________

Agency for Property Managers

Get 1-hour of agency credit with class geared specifically towards property managers.

Follow up the 1-hour class with a panel discussion on business building and tips from our panel of property management experts!

Instructor: Sarah Stelmok 1 hour of CE/PL Agency credit *Students missing more than 10 minutes of class, cannot be given CE/PL credit.

Registration is required.

Panelists: Frances Heatherman with Heatherman Homes, Ashley Howard with Coldwell Banker Elite, and Michelle Jones with Long & Foster Property Management Sponsored By

Class Fee

FAAR Classroom 2050 Gordon W. Shelton Blvd.

Fredericksburg, VA 22401

$15 Members $25 Non-members

+5PHR

Education

REGISTER ONLINE — faarmembers.com/calendar OR BY FAX — complete the registration information below and fax to (540) 736-0301.

Name_________________________________Company_____________________ Phone_________________________________Email________________________ Credit Card_____________________________Zip_______________CVC_______ Address____________________________________________________________ Total_____________Exp. Date________Signature__________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711. Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event RECA cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) business day prior to the class date.

August FAARside | 51

Broker Seminar

ALL NEW

EXCITING

8 Mandatory Credit Hours September 21, 2017 In addition to the required 16 hours of continuing education courses Brokers must complete 8 hours of broker management courses. The Broker Seminar focuses on real estate management and safe company policies and procedure, while meeting the course requirements for license renewal in just 1 day!

check one or both!

CLASSES!

9:00 – 1:00 Broker Management Basics– part 1 Instructor: Sarah Stelmok Credits: 4 hours Broker Management

Please Note: It is FAAR Academy’s policy that all CE/PL forms require your real estate license number and will not be forwarded to VREB if they are received as incomplete or after the end of class. Attendees seeking credit must have their license number with them to complete the required form.

1:00 – 5:00 Broker Management Basics– part 2 Instructor: Mark Geslock Credits: 4 hours Broker Management *Students missing more than 10 minutes of class, cannot be given credit.

Non-brokers can receive CE for these classes!

FAAR Classroom 2050 Gordon W. Shelton Blvd.

Fredericksburg, VA 22401

Registration is required—Check one or both classes above

Class Fee

Members Non-members

$55 4 hours $65 4 hours

$99 8 hours $115 8 hours

+5 Education

REGISTER ONLINE — faarmembers.com - click “Register for Classes and Events” under Education and login to our registration system.

OR BY FAX — complete the registration information and fax to (540) 736-0301.

Name_________________________________Company_____________________ Phone_________________________________Email________________________ Credit Card_______________________________________________CVC_______ Billing Address_____________________________________Zip_______________ Total____________Exp. Date________Signature___________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 3737711. Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event RECA cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) business day prior to the class date. By attending this event, you authorize FAAR to 52 August FAARside use| any photos or videos taken during the event in future media promotions.

ALL MONTH

OCTOBER

CEREAL DRIVE

ALL MONTH

HELP US BEAT LAST YEAR'S 14,000 BOXES! Drop off at the October 26 Halloween Mixer at Snead's Farm from 5-7

The FAAR cereal drive is bigger and better than ever! Look for REALTOR®branded marketing pieces to enhance efforts of collecting cereal from clients and customers.

There are prizes up for grabs >>>

ARE YOU UP FOR THE CHALLENGE?

Prizes Realtor® Office Collecting Most Cereal

Affiliate Office Collecting Most Cereal

Wins Primavera Office Lunch

Wins Panera Office Breakfast

Most Cereal per Agent Wins Krispy Kreme Office Breakfast

Most Improved Realtor® Office Wins Panera Office Breakfast

Register for the challenge by September 25 by calling FAAR at 373-7711, faxing this form to 540-736-0301, or email Barbara at Bcastillo@faarmembers.com with the info below

Company Name: ________________________ Contact Name: ________________________ Phone Number: ________________________ August FAARside | 53

GRI 503 Business Planning Do you have a plan for a successful business?

Instructor Mark Geslock Attend this course and find out the foundational skills of a successful business. Learn to develop your September 26, 2017 personal brand, set goals for the future, and identify 9:00 -4:00 your market niche. You will also learn how to hire FAAR Academy the perfect administrative support and promote a 2050 Gordon W. Shelton Blvd. professional image in your marketplace.

Fredericksburg, VA 22401

GRI

Advanced Education for Growing Your Business

Class Fee - Check One

$79 Members

Sponsored by

$99 Non-members

REGISTER ONLINE at faarmembers.com/calendar and login to our registration system OR BY FAX — complete the registration information below and fax to (540) 736-0301.

+5PHR

Education

Name_________________________________Company_________________________________ Phone_________________________________Email____________________________________ Credit Card_________________________________________________________CVC_________ Billing Address___________________________________________________________________ Total___________Exp. Date__________Signature______________________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711.

Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event RECA cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) business day prior to the class date.

FAAR54Classroom, 2nd Floor, 2050 Gordon W. Shelton Blvd., Fredericksburg, VA 22401 | August FAARside

Want to start using video in your marketing?

A monthly technology workshop every 2nd Tuesday of the month in the FAAR Annex

___________

Want to grow your social media presence?

Got a tech issue that's been driving you nuts?

Starts 10.10.2017 10 am - Noon

What you can expect to get out of Tech Time: Film a video in The Studio, Discover new marketing tools, Pick up new shortcuts.

Build a new social media account, Learn how to tweet!

You choose how we spend tech time! The possibilities are endless!

Bring your tech issues & projects!

Did you know Virginia Realtors launched a tech helpline? www.virginiarealtors.org/for-members/resources/tech-hotline/ 1-800-276-4216

August FAARside | 55

Early Bird saves $2 5.00 on entire sem inar!

Ends 10/5/2017

The CE Seminar is designed to ensure the 16 hour requirement of DPOR for relicensing are met.

my? e d a c A R at FAA E C e k a t Why

"I take continuing education and other classes at FAAR Academy because I know I'll be getting the most updated information." - Chip Taylor

Experienced Instructors Instant Q&A More engaging than an online class Convenient location in Central Park

"Getting information from engaging, knowledgeable instructors is preferable and more effective than a clickthrough module and the classes are held at our association's building in Central Park, making them central to every market we serve." - Laura Fangman

Day 1 / October 10, 2017

Day 2 / October 12, 2017 8:00–11:00

8:00–11:00

Ethics (3 Hrs Ethics)

12:00–3:00

Agency (3 Hrs Agency)

3:00—5:00

Fair Housing (2 Hrs Housing)

Members Non-Members Check one

12:00–3:00 Addendums (2 Hrs contracts, 1 Hr legal updates with Flood Instruction)

Entire Seminar

3 Hr Classes

2 Hr Classes

$175 $200

$35 $45

$25 $35

Entire Seminar

Contracts (3 Hrs contracts)

3:00–5:00 Finance for REALTORS® (2 Hrs electives)

Day 1 Sponsor

Day 2 Sponsor

Specific Classes-check off classes above

Name__________________________________Company__________________________________________ Phone__________________________Email_________________________________Total ($)_____________ Credit Card #________________________________________________CVC___________EXP. Date_______ Billing Address_____________________________________________________________________________ Authorized Signature___________________________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711. Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event RECA cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) busi-ness day prior to the class date. By attending this event, you authorize FAAR to use any photos or videos taken during the event in future media promotions.

56 | August FAARside

+5PHR

Education

re seminar! ti n e n o 0 .0 5 ves $2 Early Bird sa 17 Ends 10/5/20

my? e d a c A R at FAA L P e k a t Why

The 30 hour PLE (ST) seminar is designed to meet the needs of post licensing by meeting the new DPOR license renewal requirements.

"I take continuing education and other classes at FAAR Academy because I know I'll be getting the most updated information." - Chip Taylor

Experienced Instructors Instant Q&A More engaging than an online class Convenient location in Central Park

"Getting information from engaging, knowledgeable instructors is preferable and more effective than a clickthrough module and the classes are held at our association's building in Central Park, making them central to every market we serve." - Laura Fangman

Day 2 / October 12, 2017

Day 1 / October 10, 2017 8:00–11:00

Ethics (3 Hrs Ethics)

8:00–3:00

Contract Writing (6 Hrs contracts)

12:00–3:00

Agency (3 Hrs Agency)

3:00–5:00

Finance (2 Hrs Industry Trends)

3:00—5:00

Fair Housing (2 Hrs Housing)

Day 4 / October 19, 2017

Day 3 / October 17, 2017 8:00–5:00

Real Estate Law and Board Regulations

Members Non-Members Check one

8:00–11:00

Escrow (3 Hrs Escrow)

12:00–3:00

Risk Management (3 Hrs Risk)

Entire Seminar

2 Hr Classes

3 Hr Classes

6 Hr Classes

8 Hr Classes

$250 $300

$25 $35

$35 $45

$70 $80

$99 $120

Entire Seminar

Specific Classes-check off classes above

Day 1 Sponsor

Day 2 Sponsor

Name__________________________________Company__________________________________________ Phone__________________________Email_________________________________Total ($)_____________ Credit Card #________________________________________________CVC___________EXP. Date_______ Billing Address_____________________________________________________________________________ Authorized Signature___________________________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 3737711. Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event FAAR Academy cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) busi-ness day prior to the class date. By attending this event, you authorize FAAR to use any photos or videos taken during the event in future media promotions.

+5PHR

Education

SECOND FLOOR CLASSROOM, 2050 GORDON SHELTON BLVD, FREDERICKSBURG,VA 22401FAARside | 57 August

I Mich nstructe d ele F reem by Ekko y Title ers of

October 11, 2017 10 am - 12 pm

STICKY SCENARIOS _______________________ Real Estate transactions aren’t always black and white, the grey areas can get... sticky!

2 hr CE Real Estate Related / 2 hr PL Current Industry Issues & Trends / 2 hr Broker Management

arding g e r s l i a t e d How many do you y t r e p o r p adjacent lose? c s i d o t d e ne Is it Dual or Designated if you are on the same team?

Registration required.

What ha ppens to the EMD dies befo if the de re it was al even col lected?

Join us as we take an in depth look at some common sticky situations you could find yourself in someday!

Members ___$25

Non-Members ___$35

REGISTER ONLINE — faarmembers.com/calendar & log in to our system OR BY FAX — complete the registration information below and fax to (540) 736-0301.

+5PHR

Education

Name_________________________________Company_________________________ Phone_________________________________Email____________________________ Credit Card_________________________________________________CVC_________ Billing Address___________________________________________________________ Total___________Exp. Date__________Signature______________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711. Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event FAAR Academy cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) business day prior to the class date.

58 | August FAARside

2nd Annual

Golf Tournament 10.13.17 $99 early bird special ends September 1st

www.faarmembers.com/parforfaar August FAARside | 59

MORTGAGE SIMPLIFIED Whether you’re refinancing or purchasing your home, work with a local community lender you can trust!

CALL TODAY FOR A FREE CONSULTATION!

540-656-2869

TWO CONVENIENT LOCATIONS: LOCUST GROVE FREDERICKSBURG &

www.ALCOVALoans.com

BARRY MOORE

Branch Manager / Loan Officer NMLS ID# 73116

540.846.0477

b.moore@alcovamortgage.com

www.LocustGroveLoans.com

TONY BOLDING

Loan Officer / Sales Manager NMLS ID# 892203

703.625.1132

tbolding@alcovamortgage.com

KIM THAGHOLM Loan Officer NMLS ID# 482595

540.295.6674

kthagholm@alcovamortgage.com

ALCOVA Mortgage LLC | NMLS ID# 40508 | (www.nmlsconsumeraccess.org) Licensed in AL, DC, FL, GA (License# 42101), MD, NC, SC, TN, VA, WV | 308 Market Street SE, Roanoke, VA 24011

60 | August FAARside

with Instructor Sarah Stelmok CE 8 hrs Real Estate Related PLE 2 hrs Current Industry Trends

This course covers the fundamentals of real estate

October 25, 2017 9:00 AM-4:00 PM

investment that practitioners need to know to expand their business services. The one-day course looks at how practitioners can adapt core real estate skills and learn new skills to serve clients who want to invest in single family homes, condos, townhomes,

how to work with investors as they goal set, plan, evaluate, and acquire properties as well as manage them how to “walk the talk” and become a real estate investor yourself.

and small multifamily properties.

Sponsored by

LUNCH INCLUDED!

***Students missing more than 10 minutes of class, cannot be given CE or PL credit.*** Registration required.

Class Fee—Check One

Early bird till 10/17 After 10/17

$99 Members

$119 Non-members

$129 Members

$149 Non-members

REGISTER ONLINE at faarmembers.com/calendar and login to our registration system OR BY FAX — complete the registration information below and fax to (540) 736-0301.

+5 Education

Name_________________________________Company_________________________________ Phone_________________________________Email____________________________________ Credit Card______________________________________________CVC___________________ Billing Address_______________________________________________Zip_________________ Total__________Exp. Date__________Signature_______________________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711.

Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event FAAR Academy cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) business day prior to the class date. By attending this event, you authorize FAAR to use any photos or videos taken during the event in future media promotions.

61 | August FAARside

August FAARside | 61

FAAR Classroom, 2nd Floor, 2050 Gordon W. Shelton Blvd., Fredericksburg, VA 22401

At Home with Diversity Instructor Matthew Rathbun | November 9 | 9 am - 5 pm.

The At Home With Diversity curriculum encompasses topics of diversity, inclusion, fair housing, and risk reduction. Participants will learn practical skills and tools to expand business and effectively service all cultural groups.

Learn to Assess and understand attributes of diversity in local markets and their impact on the real estate industry Understand basic competencies to earn the confidence of potential buyers and sellers, regardless of race, ethnicity, religion, gender, handicaps, familial status, or national origin Build a business plan that minimizes risk and successfully services all types of clients

Additional AHWD Benefits Eligibility for the AHWD certification Continuing Education credit Elective credit toward the ABR, GRI, CIPS, CRS, and PMN designations

2 hrs CE Real Estate Related 2 hrs PL Current Industry Issues & Trends

Develop skills in cross-cultural communication and strategic business planning!

Registration required.

Class Fee

Early Bird ends 11/2 Members ___$49 Non-members ___$59

REGISTER ONLINE — faarmembers.com/calendar & log in to our system OR BY FAX — complete the registration information below and fax to (540) 736-0301.

Regular ___$99 ___$109

+5 Education

Name_________________________________Company__________________________ Phone_________________________________Email_____________________________ Credit Card_________________________________________________CVC__________ Billing Address__________________________________________Zip_______________ Total___________Exp. Date__________Signature_______________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711.

Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event FAAR Academy cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) business day prior to the class date. By attending this event, you authorize FAAR to use any photos or videos taken during the event in future media promotions.

62 | August FAARside

August FAARside | 62

Help Your Clients Rake in the Savings!

Ask about our low downpayment options & grant funds! USDA, FHA, VA with delegated underwriting Conventional primary, second home and investment Renovation loans, Homestyle and 203K Jumbo Renovation loans Lot loans Construction Perm FHLB & VHDA

(540) 548-8855 | www.cfmortgagecorp.com/Fredericksburg

2050 Gordon W. Shelton Blvd, Suite 101, Fredericksburg, VA 22401 The information contained herein (including but not limited to any description of C&F Mortgage, its lending programs and products, eligibility criteria, interest rates, fees and all other loan terms) is subject to change without notice. Restrictions apply.

This is not a commitment to lend. NMLSR# 147312

August FAARside | 63

At Embrace Home Loans, you get a lot more than just a Loan Officer

You get processors, underwriters, closers, techies and a professional marketing team to name a few. Our specialists take care of every detail from approval to closing, including: • Closing disclosures delivered three to 10 business days prior to closing • Loans reviewed in 24 hours or less • Credit decisions made by cross-trained underwriters • Wires released one to two days prior to closing

Succeeding is easy when you have the right team.

1671 Jefferson Davis Highway, Suite 205, Fredericksburg, VA 22401 Embrace Home Loans, Inc. NMLS ID # 2184 is licensed in 46 states and DC. (www.nmlsconsumeraccess.org)

64 | August FAARside

John Reid Branch Manager NMLS ID # 293315 ph: 800.333.3004 x3631 c: 540.842.1484 jreid@embracehomeloans.com embracehomeloans.com/john-reid

Paul Phelps Senior Loan Officer NMLS ID # 1545193 ph: 800.333.3004 x3956 c: 540.300.3834 pphelps@embracehomeloans.com embracehomeloans.com/paul-phelps

eminar!

n entire s o 0 .0 5 2 $ s e v Early Bird sa 017 Ends 11/30/2

my? e d a c A R at FAA L P e k a t Why

The 30 hour PLE (ST) seminar is designed to meet the needs of post licensing by meeting the new DPOR license renewal requirements.

"I take continuing education and other classes at FAAR Academy because I know I'll be getting the most updated information." - Chip Taylor

Experienced Instructors Instant Q&A More engaging than an online class Convenient location in Central Park

"Getting information from engaging, knowledgeable instructors is preferable and more effective than a clickthrough module and the classes are held at our association's building in Central Park, making them central to every market we serve." - Laura Fangman

Day 2 / December 7, 2017

Day 1 / December 5, 2017 8:00–11:00

Ethics (3 Hrs Ethics)

8:00–3:00

Contract Writing (6 Hrs contracts)

12:00–3:00

Agency (3 Hrs Agency)

3:00–5:00

Finance (2 Hrs Industry Trends)

3:00—5:00

Fair Housing (2 Hrs Housing)

Day 4 / December 14, 2017

Day 3 / December 12, 2017 8:00–5:00

Real Estate Law and Board Regulations

Members Non-Members Check one

8:00–11:00

Escrow (3 Hrs Escrow)

12:00–3:00

Risk Management (3 Hrs Risk)

Entire Seminar

2 Hr Classes

3 Hr Classes

6 Hr Classes

8 Hr Classes

$250 $300

$25 $35

$35 $45

$70 $80

$99 $120

Entire Seminar

Specific Classes-check off classes above

Day 1 Sponsor

Day 2 Sponsor

Name__________________________________Company__________________________________________ Phone__________________________Email_________________________________Total ($)_____________ Credit Card #________________________________________________CVC___________EXP. Date_______ Billing Address_____________________________________________________________________________ Authorized Signature___________________________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711. Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event FAAR Academy cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) busi-ness day prior to the class date. By attending this event, you authorize FAAR to use any photos or videos taken during the event in future media promotions.

+5PHR

Education

August FAARside | 65 SECOND FLOOR CLASSROOM, 2050 GORDON SHELTON BLVD, FREDERICKSBURG,VA 22401

Early Bird saves $2 5.00 on entire sem inar!

Ends 11/30/2017

The CE Seminar is designed to ensure the 16 hour requirement of DPOR for relicensing are met.

my? e d a c A R at FAA E C e k a t Why

"I take continuing education and other classes at FAAR Academy because I know I'll be getting the most updated information." - Chip Taylor

Experienced Instructors Instant Q&A More engaging than an online class Convenient location in Central Park

"Getting information from engaging, knowledgeable instructors is preferable and more effective than a clickthrough module and the classes are held at our association's building in Central Park, making them central to every market we serve." - Laura Fangman

Day 1 / December 5, 2017

Day 2 / December 7, 2017 8:00–11:00

8:00–11:00

Ethics (3 Hrs Ethics)

12:00–3:00

Agency (3 Hrs Agency)

3:00—5:00

Fair Housing (2 Hrs Housing)

Members Non-Members Check one

12:00–3:00 Addendums (2 Hrs contracts, 1 Hr legal updates with Flood Instruction)

Entire Seminar

3 Hr Classes

2 Hr Classes

$175 $200

$35 $45

$25 $35

Entire Seminar

Contracts (3 Hrs contracts)

3:00–5:00 Finance for REALTORS® (2 Hrs electives)

Day 1 Sponsor

Day 2 Sponsor

Specific Classes-check off classes above

Name__________________________________Company__________________________________________ Phone__________________________Email_________________________________Total ($)_____________ Credit Card #________________________________________________CVC___________EXP. Date_______ Billing Address_____________________________________________________________________________ Authorized Signature___________________________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711. Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event RECA cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) busi-ness day prior to the class date.By attending this event, you authorize FAAR to use any photos or videos taken during the event in future media promotions.

66 | August FAARside

+5PHR

Education

Thank you Bayfield Home Loans for being a Sapphire Level Affiliate Marketing Partner

540-318-6108 bayfieldhomeloans.com

NOW OFFERING FLEXIBLE CLOSINGS! Beyond the office and at your door!

Whether your clients need to meet at another office or after hours, we’re going beyond the office to settle on your schedule!*

Fredericksburg 1010 Charles Street P) 540-310-4804

Spotsylvania 10708 Ballantraye Dr. , Suite 204 P) 540-891-4055

Stafford 11 Hope Road, Suite 215 P) 540-288-0205

WWW.THETITLEPROFESSIONALS.COM *Some restrictions may apply. Contact us for details!

August FAARside | 67

When military staff and their families relocate, the services of a real estate professional who understands their needs and timetables makes the transfer easier, faster, and less stressful.

The Military Relocation Professional (MRP) certification course teaches you about working with current and former military service members to find the housing solutions that best suit their needs and take full advantage of military benefits and support.

Learn how to provide the real estate services —at any stage in the service member’s military career—that meet the needs of this niche market and win future referrals. Hone in your knowledge and skills for working with active duty military buyers and sellers, as well as veterans with the NAR’s Military Relocation Professional Certification.

Sponsored by

REALTORS® who earn the MRP certification prove they know how to serve the needs of those who serve our country.

Registration is required. To complete certification, you must complete 2 free webinars and pay NAR a ONE TIME certification fee. Pre-class reading assignment can be found at http://www.rebac.net/Teach/MRP/MRP_Core_Course_Pre_Class_Reading.pdf

Class Fee - Check One

$109 Members

$129 Non-members

REGISTER ONLINE at faarmembers.com/calendar and login to our registration system OR BY FAX — complete the registration information below and fax to (540) 736-0301.

+5 Education

Name_________________________________________Company_________________________ Phone_________________________________Email____________________________________ Credit Card_________________________________________________CVC_________________ Billing Address___________________________________________________________________ Total___________Exp. Date__________Signature______________________________________ NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711.

Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event RECA cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) business day prior to the class date.

FAAR68 Classroom, 2nd Floor, 2050 Gordon W. Shelton Blvd., Fredericksburg, VA 22401 | August FAARside

The Home They’ll Love, The Care They Need LifeSelect®–A Comforting Soluton for Seniors LifeSelect® by Comfort Keepers® provides care 24/7, 365 days a year, in a home that offers a smart, comfortable alternative to institutional environments: • Private accessible home nestled in local neighborhoods similar to the place where your loved one has always lived • 1:3 maximum care ratio at all times • Around-the-clock care • Geriatrician and Nurses on staff

To Learn More Call (540) 369-5005

Fredericksburg-182.ComfortKeepers.com © 2014 LifeSelect

419 Chatham Square • Fredericksburg, VA 22405

Insist on the Best!

MBH Settlement Group, L.C. provides you with the most knowledgeable, experienced and friendly service in the settlement industry.

MBH Settlement Group of Fredericksburg 1956 William Street, Fredericksburg VA 22401 540-373-1300 Fax: 540-373-8834 Manager: Phillip Blake—pblake@mbh.com Marketer: Sandra Blake—sblake@mbh.com

August FAARside | 69

WORKING WITH A NATIONALLY RECOGNIZED LENDER HAS ITS ADVANTAGES George Mason Mortgage is the right choice for: • Home Buying • Renovating • Building • Refinancing If you are looking for a relationship with your lender that fits your business model, we may just be that perfect fit. A vast array of products, competitive rates and timely closings are what you can expect when you choose George Mason Mortgage.

Dwight Taylor

Dave Morton

Donna Moffett

(703) 802-5303

(703) 730-6741

(703) 580-0286

NMLS# 485027

dtaylor@gmmllc.com

NMLS# 453536

dmorton@gmmllc.com

NMLS# 524555

dmoffett@gmmllc.com

1320 Central Park Blvd., Suite 200 Fredericksburg, VA 22401

www.gmmllc.com/fredericksburg ADVERTISING NOTICE – NOT A COMMITMENT TO LEND – SUBJECT TO PROGRAM AVAILABILITY.

This is not a commitment to lend. All loan applications are subject to credit and property approval.

Annual Percentage Rate (APR), programs, rates, fees, closing costs, terms and conditions are subject to change without notice and may vary depending upon credit history and transaction specifics.

Other closing costs may be necessary. Flood and/or property hazard insurance may be required. To be eligible, buyer must meet minimum down payment, underwriting and program guidelines.

Building futures.

One home at a time.

Paul Phelps Mortgage Loan Officer 540-300-3834 Paul.Phelps@BBandT.com BBT.com/Paul.Phelps NMLS# 1545193

B A N K I N G

.

I N S U R A N C E

.

I N V E S T M E N T S

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender.

Loans are subject to credit approval. Only deposit products are FDIC insured. © 2016, Branch Banking and Trust Company. All rights reserved.

70 | August FAARside

Thank you Wells Fargo for being a Sapphire Level Affiliate Marketing Partner

540-785-3302 www.wellsfargo.com/mortgage

Hunting for a Loan?

We have a program to fit your needs.

We offer a variety of mortgage options to fit your particular needs. With our in-house mortgage option, our team can keep you informed every step of the way! · · · · ·

Featured Mortgage Programs: Fixed Rate and Adjustable Rate Mortgage (ARM) Loans Conventional, FHA, and VA Construction to Permanent Up to 100% Financing for eligible Doctors Jumbo loans

1440 Central Park Blvd. Suite 100B Fredericksburg, VA 22401 O: 540.785.3320 LionBank.com/Mortgage *Loans subject to normal credit approval criteria. Additional program restrictions may apply.

August FAARside | 71

72 | August FAARside

August FAARside | 73

FREDERICKSBURG COUNTRY CLUB

n n n n

18-hole championship golf course Historic clubhouse with elegant & casual dining Swimming pool complex Year-round fitness and tennis facility

Surprisingly affordable memberships for families & individuals.

540.373.8781 FredClub.org/FAAR

FARR Print Directory 4” x 5” 033017 AEC 2017 ads.indd Fredericksburg Country Club

STA Title & Escrow www.statitle.com

You’re a Realtor®, so you know that buying a home can be overwhelming for your clients. Homebuyers can feel confused and frustrated by the mounds of paperwork they have to sign. Plus, the fees associated with closing can sometimes be overwhelming even to an experienced buyer.

Owner’s title insurance is one of those items often misunderstood by homebuyers at closing, yet its value is tremendous. As an important advisor to your clients, you are in a position to help homebuyers understand the benefit of owner’s title insurance and the dangers that can be incurred without it. STA Title & Escrow has over 31 years of experience and we are here to help you. If you or your client have any questions about Title Insurance please feel free to give us a call and let one of our licensed title agents help you protect your client’s property rights.

Fredericksburg 540.368.5501

74 | August FAARside

Caroline 804.448.5808

Our Premier Assisted Living Environment Offers the Independence She Wants In a Safe, Friendly Environment • Entire building on one level • Private apartments including studios, 1 bedroom & alcoves • Licensed Health Professional Support • 24-hour available assistance with personal care

5308 River Road, Fredericksburg, VA 22407 Call today for a personal tour 540-548-2133

Serving Realtors since 1967!

Thank you Wells Fargo for being a Sapphire Level Affiliate Marketing Partner (540) 373-6655 Problems with listings... moisture in crawl spaces?...

Ask about our Crawl Space Encapsulation Program!

Let‛s get Social!

www.PermaTreat.com

Sherrie S. Shaw Universal Title 923 Maple Grove Dr, Suite 211 Fredericksburg, VA 22407 (540) 226-0769 sherrie@universaltitle.com

www.universaltitle.com

August FAARside | 75

DHD 9/28/16

A SUITE for LESS Than the Price of Most Rooms

Quantico

44 Woodstock Lane Stafford VA 22554

(540) 318-6145 www.affordablesuites.com/quantico • Apartment Style Living with Extra Amenities and no Lease Required • One Bedroom Suites with Fully Equipped Kitchens • Free High-speed Internet

• Workout Room • Courtyard Area with BBQ Grills • Located just 5 Minutes from Marine Corp. Base Quantico • Discount Rates

Fredericksburg 204 University Blvd.

Fredericksburg VA 22405

(540) 752-7170 www.affordablesuites.com/fredericksburg

Laura Triplett

Jolayne Craig

NMLS ID #181420 703-919-3679 · ltriplett@acmllc.com

Liz Conrad

NMLS ID #1286836 540-642-2095 · lconrad@acmllc.com

Rodney Nichols

NMLS ID #1036448 540-717-8301 · rnichols@acmllc.com

NMLS ID #290277 540-272-2969 · jcraig@acmllc.com

Mac Church

NMLS ID #659377 540-455-3898 · mchurch@acmllc.com

Patricia Kliewer

NMLS ID #459615 703-915-8556 · pkliewer@acmllc.com

Lisa Nichols

NMLS ID #193453 703-587-3838 · lnichols@acmllc.com

Chris Dudenhefer

NMLS ID #1382348 571-329-0169 · cdudenhefer@acmllc.com

Jamila Burbano

NMLS ID #1309225 571-366-4544 · jburbano@acmllc.com

Nick Lewis

NMLS ID #226099 703-268-6316 · nlewis@acmllc.com

Gary Nester

NMLS ID #248492 703-909-7801 · gnester@acmllc.com

Atlantic Coast Mortgage, LLC is an Equal Housing Lender · 3800 Fettler Park Drive, Suite 202 · Dumfries, VA 22025 · www.AtlanticCoastMortgage.com Company NMLS ID# 643114 · Branch NMLS ID #1102885 · (www.nmlsconsumeraccess.org) · Information provided as advertisement and is not a commitment to lend

76 | August FAARside

Experience the Advantage 9 9. 4% C U S TO M E R S ATI S FAC TI O N

9 8 . 4% C LOS E D BY CO NTR AC T DATE

OV E R 1 0 0,0 0 0 H O M E B U Y E R S H E LPE D

Contact me for your mortgage needs.

BRIAN BROOKS Fredericksburg Area Manager NMLS #455601 Licensed in VA, MD, NC 540-845-0864 brianbrooks@atlanticbay.com www.atlanticbay.com/brianbrooks

Revised Mar 28, 2017

Make your next sale a success!

SERVICES WE PROVIDE: • Termite inspections and treatment • Well tests • Lead tests • Lead, nitrate and nitrite tests • General Pest Protection • ONE YEAR WARRANTY WITH SALE INSPECTION

Our licensed experienced Construction and Home Improvement Team are relied on by real estate agents across the Washington, D.C. region for fast, reliable inspections, tests and home repairs.

Call Today 540.548.4844 August FAARside | 77

Save the Date for the REALTORS® Foundation

FREDERICKSBURG®

PAR FOR FAAR

REALTORS 2nd Annual Charitable Golf Tournament FOUNDATION October 13, 2017 | 9:00 AM Shotgun Start | Lunch Following

Augustine Golf Club |

76 Monument Drive, Stafford 22554

Register now at www.faarmembers.com/parforfaar

$99

Early Bird Special Ends September 1st

540-455-9078

540-273-3075

www.inspectionpro1.com

www.unionhomemortgage.com/phooks

UHM: NMLS #2229 LO: NMLS #555050 VA: MLO-9701VA DC: MLO555050 MD: 26-30453

78 | August FAARside

ANNUAL CONVENTION OCTOBER 3-5, 2017 Come early. Stay late.

The premier event on the Virginia REALTORS® calendar, convention is a must-attend opportunity to grow your business by learning powerful lessons from the nation’s real estate stars and by building a network with Virginia's most successful members.

High-energy sessions featuring the BIGGEST NAMES in real estate.

BRAD INMAN | JOE NIEGO | TERRY WATSON | MARKI LEMONS Premium Installation & Awards banquet. plus... RPAC Casino Night, Champagne Breakfast, and more!

Valuable networking with Virginia's real estate stars.

Virginia

REALTORS

®

August FAARside | 79

Cowan Crossing

Townhomes from the Low 300’s Single Families from the Upper 400’s

540.272.8718 BRYTON HOMES PAYS REALTORS 3% ON THE FULL PRICE AT TIME OF CONTRACT!

Are you a relocation agent? Don’t forget to ask us about our special REALTOR® relocation bonus program!

Bells Valley Single Family Homes Starting at $369,990

540.720.8687

301-838-7200

540-785-3565

www.mris.com

www.navyfederal.org

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Showing We Care with the Movement Assistance Program •

Up to 3% of the sales price as a grant that does not need to be repaid

•

The option to enroll in two years of job loss insurance coverage to help cover mortgage payments in case of lost income

•

Allowance for seller or other interested party contributions of up to 4% toward closing costs

Call Today! 540-923-2891 www.movement.com 1125 Jefferson Davis Hwy #380, Fredericksburg, VA 22401 | Heather Frye - Branch Manager - NMLS: 213439 | MD-28611, VAMLO-2642VA, DC-MLO213439, NC-I-173410, FL-LO42921, TN-135571, CA-DBO213439 | Movement Mortgage, LLC supports Equal Housing Opportunity. NMLS ID# 39179 (www.nmlsconsumeraccess.org) | 877-314-1499. Movement Mortgage, LLC is licensed by MD # 19094, VA # MC-5112, District of Columbia Mortgage Dual Authority License #MLB39179, NC # L-142670, FL # MLD200 & MLD1360, TN # 112748, “CA Department of Business Oversight under the California Residential Mortgage Lending Act”# 4131054.

Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. “Movement Mortgage” is a registered trademark of the Movement Mortgage, LLC, a Delaware limited liability company. 8024 Calvin Hall Road, Indian Land, SC 29707. CPID 4632 | Exp. 1/2018

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Rely on Our Supportive Team of Transition & Relocation Specialists!

Relocating is more than just packing boxes and transporting belongings; allow us to guide and advise you through all of the details including: • De-clutter assistance to prepare home for sale • Move management, as well as professional packing & unpacking services • Partner with attorneys, insurance agents, executors, and POAs • Estate dispersal, including traditional and online estate sales • Tap into our wealth of resources WE TAKE THE STRESS OUT OF CHANGING YOUR ADDRESS!

STFBurg.com 540-847-2131 82 | August FAARside