Final q3

real estate - benefits - foreclosure - banks - florida realtors - public policy

magazine 3RD QUARTER JULY, AUGUST, September 2015

Osceola ReView

Marketing Through Social Media

&

OSCAR Announces Winners of 2015 Scholarship Competition PAGE19

& Disclosure Rules Postponed PAGE26

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Speak up When 2013An Awards

OFFER & Installation Luncheon Ar r ives

Highlights PAGE8

002 WELCOMECONTENTS 002

WELCOME/ CONTENTS JUL, AUG, SEPT 2015 news 4 7 8 19 26

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OSCAR Announcements & Benefits Second Quarter AE Message Speak Up When Offer Arrives OSCAR Announces the 2015 Scholarship Award Recipients Disclosure Rules Postponed

technology Marketing Through Social Media Protect Your Business With a Social Media Policy

events

10 July, August, September 2015 Calendar

15 New OSCAR Members 16 Leading the Way at the MidYear Legislative Meetings in DC 18 Leadership Academy

local trends

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Market Dynamics

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Third Quarter Presidents Message: IT’S SUMMERTIME and OSCAR members are truly motivated to attain their very best expectations in sales and listing goals - our market is strong. Realize and utilize our Professional Development and other Committees that are giving you the support, tools and training to pursue your goals and become the best REALTOR® you can be.

Add OsceolaRealtors.org to your emails and find your values on education, new laws, political actions, calendar and events.

ARE YOU READY FOR AUGUST 1st? Several training opportunities are to be held for members enabling them to be prepared for and comply with the new TILA-RESPA integrated Disclosure Rule from the Consumer Financial Protection Bureau (CFPB). No longer will you see a “HUD” at closing as we’ve known it. NAR is working with CFPB to minimize any possible market disruptions or uncertainty when the rule takes effect.

2015 OSCAR President, Karen Dierickx

RPAC/REALTORS POLITICAL ACTION COMMITTEE is sponsoring a networking reception on July 8th at the Heritage Club at OHP in Kissimmee. And our annual BBQ and Auction will be held August 1st at the Osceola Council on Aging to help us meet our RPAC contribution goal.

THE FLORIDA REALTORS ANNUAL CONVENTION AND TRADE SHOW is being held at Rosen Shingle Creek, Orlando, on August 19th-23rd. Don’t miss your opportunity to network, attend top education events, and hear national motivational speaker Dan Devine. Free Friday expo admission. Visit Floridarealtors.org for more info and registration.

LEGISLATIVE NEWS - Our REALTOR® Voice has definitely been heard not only at the REALTOR® Rally in Tallahassee, but at the NAR Legislative Meetings recently in Washington DC. Osceola County was one of three national associations chosen to be on an NAR Global Forum. Our AE, Carol Platt, and Maria Grulich, International Development Director for Experience Kissimmee shared their successful partnership ideas leveraging community resources to expand global business in the area.

As a REALTOR® member, be sure to become familiar with the latest D.A.N.G.E.R Report (Realtor.org/DANGERReport).

The report evaluates and presents the probability of the dangers occurring, the future timing and possible impact of each danger. Be in the know!

magazine contact Published by Osceola County Association of Realtors®, 1105 Shady Lane, Kissimmee, FL 34744

advocates team

association Executive/editor: Carol Platt, CRB, e-Pro T 4078460117 E ae@osceola-realtors.com

SOCIAL MEDIA & MEMBERship SERVICES: Nannette Cherry, nan@osceola-realtors.com

WEB MASTER: Chris Florence, CCIM, e-Pro webmaster@osceola-realtors.com

contributing writers

COMMUNICATIONS: Nannette Cherry nan@osceola-realtors.com

Interested in contributing to our quarterly publication?! We would love to hear from you.

We require that all works be original, meaning written by you, and do not allow promotion of your business.

Membership SERVICES COORDINATOR: Eli Perez, e-Pro eli@osceola-realtors.com AE Assistant - professional development: Kim Wagar, e-Pro, AHWD kim@osceola-realtors.com AE ASSISTANT - EVENTS: Christina Barnhardt, e-Pro christina@osceola-realtors.com MEMBERSHIP SERVICES: Ally Vallecillo, e-Pro ally@osceola-realtors.com MEMBERSHIP SERVICES: Yohanna Cruz, e-Pro yohanna@osceola-realtors.com

advertising

distribution

Digital or printed media packs available on request.

HEAD OF SALES: Chris Florence, CCIM, e-Pro webmaster@osceola-realtors.com

The ReView is printed quarterly. To subscribe contact our subscriptions team below.

ACCOUNTS: Bob St. Gordon, e-Pro bob@osceola-realtors.com

SUBSCRIPTIONS MANAGER: Nannette Cherry, e-Pro communications@osceola-realtors.com

www.Osceolarealtors.org

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OSCAR Announcements

HELP SAVE A LIFE!

Blood Drive, July 6th

9am-4pm @ OSCAR

OSCAR Leaders in

Attendance at NAR’s

MidYear

Legislative Meetings

Your OSCAR leadership were recently marked in attendance at the NAR Mid-Year Legislative Meetings in Washington DC. The Mid-Year Meetings are an opportunity for REALTOR® members to take an active role to further the industry and help shape public policy while attending special issues forums, committee meetings, and legislative activities.

Members in attendance representing OSCAR were President Karen Dierickx, PresidentElect Jeff Perry, Directors, Patrice DeNike, Wanda Linscott, and Woman’s Council of REALTORS® member Tina Johnson.

2015 OSCAR President Karen Dierickx said of the event, “These Mid-Year Meetings provide an excellent venue for concerned REALTOR® members to engage in the legislative process. These meetings are both enlightening and productive, and offer many chances for REALTORS® to network with other REALTOR® professionals across the country while having a dialog about

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important events and legislation facing the industry.”

Also in attendance was OSCAR Association Executive Carol Platt, who was not only present, but headed up a Local and Global Forum emphasizing the benefit of developing partnerships with government agencies to help bring together REALTORS® and foreign commercial investors. Carol stated, “This meeting of minds was a perfect opportunity to address the global nature of business and real estate in today’s age. Through coordination with our partners at Experience Kissimmee, we’ve been able to shine a light on our commercial sector and make connections that build our community and create jobs. The Mid-Year Meetings in DC were an outstanding platform to discuss our ideas and successes with other professionals interested in furthering local and global business.”

For more on this, go to page 16.

Member Testimonials “The training has been wonderful. The staff is great!”

“These gals are super friendly, helpful, and patient!”

- Tamara Waters “Outstanding people and top notch help!”

“I think you guys are the best. I like the way you take care of your members” - Jose M Rodriguez “I am new to real estate and I feel like the people here are so helpful when I call.”

“Great classes offered for members at no charge!”

“The staff is always accomodating, courteous, and timely when I call or email.”

“Love the new classroom!”

Dear OSCAR, On behalf of the Education Foundation - Osceola County (Association of REALTORS®), please accept our heartfelt appreciation for your partnership with the Education Foundation Scholarship Program.

This year 236 Osceola County students and adults received scholarships with the support of 71 generous donors and corporate sponsors like you. As a donor, your gift means more than simply a tuition payment or textbook. Your donations tell a student someone believes in their dream. It represnts a life transformed and can change the course of a family for generations.

We Want to Hear From You! Tell us your OSCAR Success Stories! We want to hear from our members about how classes, labs, and networking events are helping you gain your competitive edge and grow your success! Email your stories to communications@osceola-realtors.com.

Thank you for your continued dedication to the students of our community.

Sincerely, Kathy Carr Executive Director & Sharon Harrington Director of Grants and Scholarships

Thank you so much for the donation to Southwest Technology Center Foundation in memory of Mother, Jo Williams. I am on the Board of Education for this Technology Center and teh Foundation gives so many needed scholarships each year. Thank you, too for the kindness and thoughtfulness you have shown Mother throughout the years. She loved her Florida REALTORS® family and was so proud of all the awards she received.

- Dotty and Byller Bobo & Ronnie and Linda Ma-

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Join us for fun,Come drinks, and mingling Dressed in your Caribbean Attire and Get on Board with RPAC!

Making Waves RPAC July 8, 2015 6:00pm-7:30pm Free of Charge! with

Osceola Heritage Park Heritage club 1875 Silver Spur Lane Kissimmee, FL 34744

Limited space! register today! call 407-846-0117 to register or visit www.osceolarealtors.org Contributions are not deductible for income tax purposes. Contributions to RPAC are voluntary and are used for political purposes. You may refuse to contribute without reprisal and the National Association of REALTORS速 or any of its state associations or local boards will not favor or disfavor any member because of the amount contributed.

No purchase necessary. 70% of each contribution is used by your state PAC to support state and local political candidates. Until your state reaches its RPAC goal, 30% is sent to National RPAC to upport federal candidates and is charged against your limits under 2 U.S. C. 411a; after the state PAC reaches its RPAC goal it may elect to retain your entire contribution for use in supporting state and local candidates.

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OSCAR

3RD Quarter Association

Executive MESSAGE Following Up– Following Through– Be a Doer!

MEDIA CONTACT: Carol Platt

PHONE: 407-846-0117

Last quarter, we looked at making those initial contacts that put you at the forefront of generating business. Whether you are a first time REALTOR® or a long-time REALTOR®, it’s the continuous communication with clients and prospects that gets that deal rolling and gets it closed! So many good sales associates make the initial contact, only to lose the deal as communications fall through the cracks. Today’s environment is information and workday overload, but a little planning, organization and discipline can protect sales associates from financial loss.

1. Have a strong database that is current, accurate and accessible.

While database software can be utilized differently for different businesses, the most important aspect is that you actually enter the data, whether you are utilizing simple Google Contacts or Outlook, or a more elaborate REALTOR® specific database. The strength of your database defines long-term effectiveness in every sales profession and creates value!

2. Have a weekly contact goal.

Those contacts can be arranged by priorities in urgency, income potential,

2015

EMAIL: ae@osceola-realtors.com

and referral potential, but the most important part of contacting potential business is to make the call and/or schedule the appointment. It’s almost a certainty that X number of sales will be made if X numbers of people are contacted. Track your contacts each week and hold yourself accountable.

Some people even schedule initial contact calls for certain days and times each week. Find what works for you to be effective. In fact, Tom Ferry has created an App, Thriving Daily, which can be used to create personal accountability to make those contacts with specific income generation in mind.

3.

Schedule annual meetings.

Just like a performance review, a family Christmas letter, a reunion or a conference, having that annual “conference” with clients that you have closed continues to build your personal brand and sustain client loyalty. It’s a great opportunity to update that client on your business and to update yourself on your client’s real estate investment status. Make that appointment!

4. Consider automated “touch” programs. Whether it’s a themed

Association Executive, Carol Platt

or market update post card, print or electronic newsletter or even automated phone calls, keep your name and your brand in front of the people that you have spent so much time (and time is money) cultivating.

The first step toward a harvest is to consistently water the seeds that you have planted.

Our Board of Directors and our REALTOR® Advocates love touching base with you. Let us know what you need to be effective. We are always interested in knowing about your success stories. Share those stories with us, along with any potholes or speed bumps. We are always looking for ways to make your road smoother and straighter to help you gain the traction necessary to reach your goals!

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Professional Standards

Speak Up When

Offer Arrives MEDIA CONTACT: Bruce Aydt

To avoid misunderstandings, listing agents should not delay communications with sellers when a buyer makes a bid.

Question: How much time does the listing agent have to present an offer to the seller on a property once a buyer makes an offer? Can the listing agent hold the offer knowing another offer might be coming in?

Answer: Standard of Practice 1-6 speaks directly to the timing of the presentation of an offer.

“REALTORS® shall submit offers and counteroffers objectively and as quickly as possible.”

While there can be different perspectives on what “as quickly as possible” means, it’s clear from the Code of Ethics that the listing agent doesn’t have the right to decide unilaterally when an offer is presented. The listing agent must always keep the key concepts of Article 1 in mind. “When representing a buyer, seller, landlord, tenant, or other client as an agent, REALTORS® pledge themselves to protect and promote the interests of their client. This obligation to the client is primary, but it does not relieve REALTORS® of their obligation to treat all parties honestly.”

The presentation of offers is one of the ways in

EMAIL: ethics@realtor.org

which a listing agent “protects and promotes” the interests of the seller, so the agent should take instructions from the seller on how the offer is presented.

It’s possible the listing agent and seller jointly agree on a negotiation strategy in which the seller decides to wait for other offers to be presented.

However, the seller should be told the risk of doing this. State contract law may allow a buyer to withdraw an offer before a valid acceptance, so the seller could be left with nothing to consider.

As a courtesy and as part of the negotiation, the seller and listing agent should discuss and decide whether to tell the offering buyer of the seller’s decision to wait for another possible offer.

In my view, “as quickly as possible” means the listing agent should notify the seller immediately of an offer so a dialogue can begin between them about when, where, and how to present it and other offers. Certainly, with today’s array of technology, there are few barriers to communicating an offer to the seller as soon as it has arrived.

Reprinted from REALTOR® Magazine Online (http:// realtormag.realtor.org), July 2013, with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2015. All rights reserved.

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events THIS JUL/AUG/Sept

SEMINAR

REGISTRATION CONTACT Kim Wagar

EMAIL aeassistant@ osceola-realtors.com

JULY 6TH

Tech Lab Day TIME: 9:00AM - 4:00PM

Toastmasters TIME: 5:30PM - 6:30PM

MLS Listing Tools TIME: 1:30PM - 3:00PM

Toastmasters TIME: 5:30PM - 6:30PM JULY 13TH

New Member Welcome TIME: 8:30AM - 12:30PM

Toastmasters TIME: 5:30PM - 6:30PM

JULY 23RD

Arbitration and Procuring Cause

3 CE’s TIME: 9:00AM - 12:00PM INSTRUCTOR: Bruce Aydt COST: $69 Members and NonMembers LOCATION: Del Webb Clubhouse, 500 Del Webb Blvd, Davenport, FL 33837 JULY 27TH

New Member Welcome TIME: 8:30AM - 12:30PM

JULY 17TH

JULY 7TH

MLS Learn & Earn TIME: 9:00AM - 10:00AM

Working With the Toastmasters Senior Citizen(iCE) TIME: 5:30PM - 6:30PM 3CE’s TIME: 9:00AM - 12:00PM INSTRUCTOR: Joann Chando

Economic Forecast MLS Basic Lunch & Learn JULY 20TH

TIME: 11:00AM - 12:30PM INSTRUCTOR: Ted C Jones LUNCH PROVIDED

Understanding the CFPB Rule on Integrated Disclosures 3 CE’s TIME: 12:30PM - 4:00PM INSTRUCTOR: Branden L Stricland LUNCH PROVIDED JULY 8TH

MLS Branding in Matrix TIME: 9:00AM - 10:30AM

MLS The Mobile Agent

TIME: 9:00AM - 12:00PM

MLS Compliance TIME: 1:00PM - 2:30PM

JULY 29TH and 30TH

Graduate REALTOR® Institute 2 Day Course - GRI:202 Technology & Investments

TIME: 3:00PM - 4:30PM

11 CE’s TIME: 7:30AM - 5:30PM LUNCH PROVIDED COST: $129 for Members, $145 for Non-members

TIME: 5:30PM - 6:30PM

AUGUST 3RD

JULY 22ND

TIME: 5:30PM - 6:30PM

Writing a Successful Contract

AUGUST 4TH

MLS Adding & Modifying Listings Toastmasters Choosing &

7 CE’s TIME: 8:30AM - 4:30PM INSTRUCTOR: Cynthia DeLuca COST: Free for Members $129 for Non-Members

Toastmasters MLS Learn & Earn TIME: 9:00AM - 10:00AM

CALL 407.846.0117 Unless otherwise noted AUGUST 4TH and 5TH

Graduate REALTOR® Institute 2 Day Course - GRI:301 It’s More Than Just Sales 11 CE’s TIME: 7:30AM - 5:30PM LUNCH PROVIDED COST: $129 for Members, $145 for Non-members AUGUST 5TH

MLS Basic TIME: 9:00AM - 12:00PM

MLS Compliance TIME: 1:00PM - 2:30PM

MLS Adding & Modifying Listings TIME: 3:00PM - 4:30PM AUGUST 11TH

Demystifying the Appraisal Process 3 CE’s TIME: 9:00AM - 12:00PM INSTRUCTOR: Pat Reass COST: Free for Members and $35 for Non-Members

Preparing & Navigating the Listing Contract

4 CE’s TIME: 1:00PM - 5:00PM INSTRUCTOR: Cynthia DeLuca COST: Free for Members $35 for Non-Members

TIME: 11:00AM - 12:30PM Our office will be closed on July 3rd, September 7th and September 23rd-25th

Classes are free to members unless otherwise noted.

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AUGUST 13TH

Effective Risk Reduction

3CE’s TIME: 9:00AM - 12:00PM INSTRUCTOR: Jason Jakus COST: Free to Members, $59 for non-members

REALTOR® Professionalism & Follow-thru

4 CE’s TIME: 1:00PM - 5:00PM INSTRUCTOR: Jason Jakus COST: Free to Members, $69 for Non-members AUGUST 17TH

MLS Searching in Matrix TIME: 9:00AM - 10:30AM

MLS Automating Your Contacts in Matrix TIME: 11:00AM - 12:30PM

MLS iMapp TIME: 1:30PM - 3:30PM

Toastmasters TIME: 5:30PM - 6:30PM AUGUST 24TH

Toastmasters TIME: 5:30PM - 6:30PM AUGUST 25TH

Core Law

3 CE’s TIME: 9:00AM - 12:00PM INSTRUCTOR: Richard Fryer COST: Free for Members $35 for Non-Members

Code of Ethics

3 CE’s TIME: 1:00PM - 4:00PM INSTRUCTOR: Richard Fryer COST: Free for Members $35 for Non-Members AUGUST 27TH

AUGUST 31ST & SEPTEMBER 1ST

Graduate REALTOR® Institute 2 Day Course - GRI:302 Thinking Outside the Box

11 CE’s TIME: 7:30AM - 5:30PM LUNCH PROVIDED COST: $129 for Members, $145 for Non-members

SEPTEMBER 10TH

Core Law

3 CE’s TIME: 9:00AM - 12:00PM INSTRUCTOR: Richard Fryer COST: Free for Members $35 for Non-Members

Code of Ethics

3 CE’s TIME: 1:00PM - 4:00PM INSTRUCTOR: Richard Fryer COST: Free for Members $35 for Non-Members

AUGUST 31ST

Toastmasters TIME: 5:30PM - 6:30PM SEPTEMBER 1ST

SEPTEMBER 14TH

New Member Welcome

MLS Learn & Earn

TIME: 8:30AM - 12:30PM

TIME: 9:00AM - 10:00AM

Toastmasters

SEPTEMBER 2ND & 3RD

Accredited Buyer’s Representative (ABR) 2 Day Designation Course 11 CE’s TIME: 8:30AM - 5:30PM INSTRUCTOR: Richard Fryer LUNCH PROVIDED COST: $275 for Members and Non-members SEPTEMBER 9TH

TIME: 5:30PM - 6:30PM SEPTEMBER 21ST

TIME: 3:00PM - 4:30PM

Toastmasters

TIME: 5:30PM - 6:30PM SEPTEMBER 29TH

Effective Risk Reduction

3CE’s TIME: 9:00AM - 12:00PM INSTRUCTOR: Julianna Giordano COST: Free to Members, $59 for non-members

REALTOR® Professionalism & Follow-thru

4 CE’s TIME: 1:00PM - 5:00PM INSTRUCTOR: Juliana Giordano COST: Free to Members, $69 for Non-members

MLS Basic TIME: 9:00AM - 12:00PM

MLS Compliance TIME: 1:00PM - 2:30PM

MLS Adding & Modifying Listings

CAN’T FIND AN EVENT YOU WISH TO ATTEND?

TIME: 3:00PM - 4:30PM

Toastmasters TIME: 5:30PM - 6:30PM

Home Sweet (Second) Home: SEPTEMBER 22ND Vacation Investment Luxury Properties Choosing & (RSPS Certification Writing a Successful Course) Contract 7 CE’s TIME: 8:30am-5:00pm INSTRUCTOR: David Wyant COST: $99

MLS Stats in Matrix

7 CE’s TIME: 8:30AM - 4:30PM INSTRUCTOR: Steven David COST: Free for Members $129 for Non-Members SEPTEMBER 28TH

MLS Advanced Matrix

Social Media Hands-On Workshop

TIME: 9:00AM - 11:00AM

No CE’s TIME: 9:00AM-11:00AM & Again at 1:00PM-3:00PM

TIME: 1:200PM - 1:30PM

MLS Customer and Broker Reports

Your REALTOR® Advocates work hard at providing you with the most up to date info going on here at the association.

We are still human and may miss something so, if you can’t find information that you need, let us know. We welcome your encouraging input.

Email: Communications @osceolarealtors.com

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Marketing Tips

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marketing through social media MEDIA CONTACT: Chris Florence

BLOG: abrandaid.com/blog-marketing-strategies

Whether a business is in its beginning stages or has been in operation for years, social media creates a unique opportunity for advertising. Unlike expensive billboards and commercials, social media allows businesses to connect to their key audience and extend their reach to new customers. Social media permits space for creativity and is relatively easy to operate without any training. Understanding why social media is essential to a business and utilizing it correctly not only helps one gain a larger profit. Correctly using this media also gives one the satisfaction of representing their business positively.

Free, Effective Advertising Most social media websites are free, or a reasonably low price. This is great for small businesses that may struggle with price management when it comes to advertising.

Traditional advertising, such as television commercials, are expensive. Even a low quality commercial can put a business back by thousands of dollars and it will only reach a small audience. Also, if it’s made low-quality, a TV commercial could actually have a negative effect on a business leading to the potential loss of customers.

Social media, on the other hand, is inexpensive and reaches customers from all over the globe, and one can always change and update their advertising with the times.

Another priceless benefit of social media is that a person can clearly see their marketing audience with ease by checking the people who “follow” or “like” the company’s social media accounts. Through that, it’s much easier to get to know the customers better. If a business is just starting out it’s essential to know the audience they are advertising to, that way customers can share with others the link to the profile resulting in a growing customer base. Social media allows for one to post in a matter of seconds, making it the fastest advertising market.

Communication with clientele and competitors is key to helping a business grow. Social media allows for a safe

EMAIL: chris@abrandaid.com

way to share information with others, and learn what one’s audience likes and dislikes about certain brands.

These days many places have a social media account for their fans to follow; following other businesses can help keep an eye on the competition. Most of all social media creates a place for conversation, it makes marketing a personal experience–and not just for the consumers.

Endless Possibilities Good management of a social media account nearly guarantees good business. The internet allows creative and innovative thinkers to portray their company through various platforms. Whether it be videos, pictures, or articles, the way one can advertise is almost endless, but most of all it’s effective. All sorts of demographics use the internet so when an article or video catches their eye, they are more likely to remember a brand, opening up a whole new audience. While extending an organization’s reach, it is also important to keep a good reputation.

As it was mentioned earlier, bad advertising loses customers. Anything that is low-quality or does not accurately portray a company is harmful to its reputation.

One bad advertisement has the power to possibly ruin a business. Social media allows for high-quality marketing, posts can be edited and deleted, and there’s more room for personalization. Never again does one have to worry about sending the wrong idea about their business.

Social media is simple to operate and, when used appropriately, it opens doors without tightening a budget.

No matter what kind of business someone runs, media is key to its success. Social media makes advertising fun, easy, and profitable. Through it, a company can learn and grow while extending their reach to places it couldn’t get to before. Traditional advertising is no longer practical and may be detrimental to an organization. Social media has allowed success for thousands of businesses to flourish and connect to their audience. It has the power to turn a small business into a giant enterprise almost overnight.

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WELCOME TO OUR NEWEST

MEMBERS!

New REALTOR® members being sword in.

Our little association is growing!

We’re up over 2200 members to date and more keep joining! Take a look at our newest members. We sure are proud to have them as part of our OSCAR family!

New members from our April New Member Orientation.

New members from our June New Member Orientation.

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LEADING THE WAY AT THE NAR MID-YEAR LEGISLATIVE MEETINGS IN DC.

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Tina Johnson, plus David and Patsy Wyant from the Cross Borders Real Estate School and the CIPS Institute. OSCAR Association Executive, Carol Platt, said of the partnership, “We have been so fortunate to connect with Maria Grulich at Experience Kissimmee. Our mutually beneficial relationship has generated a lot of buzz and we hope to see other associations forge similarly advantageous partnerships.

Through this combined effort, we have been able to see member and taxpayer cost savings and mutual results through shared events and activity expenses and added value to our REALTOR® members and international investors who benefit from working with Maria’s International Economic Development Expertise!

Pictured above: Bill Nelson speaks at the Mid-Year Legislative Meetings. To the left, Maria Grulich from Experience Kissimmee, President Karen Dierickx, President-Elect Jeff Perry, and Patsy Wyant. Below: OSCAR Association Executive Carol Platt and Maria Grulich at the State and Local Forum on Global Business.

During the NAR Midyear Legislative Meetings, your Association Executive, Carol Platt, along with Maria Grulich of Experience Kissimmee participated in a presentation panel at the Local and Global Business Forum, along with the Texas and Silicon Valley Association of REALTORS®. The innovativeness of the OSCAR/Experience Kissimmee partnership (which began during the Global Alliance Chairmanship of Imran Mohammed and continues under Shelly Freeman, Jason Daughtery and John Goldsborough) caught the attention of the National Association of REALTORS® who invited Carol and Maria to speak.

This mutually beneficial relationship helps SCAR Members, like you, expose your property listings to commercial buyers,

by responding to email alerts identifying special property requests needed by foreign buyers and submitting your property listings directly to Maria through our connecting OSCAR property submission form. This arrangement is reciprocally beneficial to Experience Kissimmee and the investors they represent through access to a broad range of properties that provide solutions to investors looking to do business in Osceola County. And it benefits our community, too!

Osceola County stands to gain more jobs through commercial growth.

The Local and Global Business forum was well received and included the attendance of other OSCAR leadership, including President Karen Dierickx, President-Elect Jeff Perry, Patrice Denike, Wanda Linscott,

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Making Tomorrow’s Leaders

Members take part in essential Leadership Training to better position themselves on a trajectory of Success!

Each year OSCAR brings you, our valued members, Leadership Academy training to groom you for potential leadership roles in the future. Leadership Academy training is essential learning for those who wish to go on to serve in one of our many committees, and is also helpful for those with ambitions to be a part of local or state committees and boards.

Instructor Melynn Sight was present to teach a full class on best practices for leadership this past May, and judging by the turnout, there are a lot of leaders in our midst. Kudos to those who took part in the training. Your commitment to strong leadership training puts you on track to acheive great successes in the future.

Instructor Melynn Sight poses with your OSCAR advocates following 2 intensive sessions of Leadership Training

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OSCAR PRESENTS 2015 Scholarship winning essays

Pictured front from left to right: OSCAR Community Involvement Chair, Sue Vasquez, OSCAR Community Involvement Vice-Chair, Tina Campbell, and OSCAR Association Executive Carol Platt. Back Row: Scholarship Winners Sarah Bodman, Sawyer Root, Evan Morris, Hannah Richards, Shannon Donnely, Dalton Lackey, and Kaitlyn Bircher

OSCAR’s Community Involvement Committee is proud to sponsor another round of scholarships to Osceola County High School Seniors. This year they awarded seven $1,000 scholarships to local students based on winning essays centered around the theme: The Value REALTORS® Bring to the Community. This year’s winners are pictured above, and their essays can be read below. Congratulations to these students for their academic achievements!

“Home is where the heart is.” But what if your home keeps changing? My life changed the day I came home and saw a piece of paper taped on the exact spot which had held wreaths from many years passed. This small piece of paper altered everything.

My home I had lived in for nine years was taken away with a simple word: “FORECLOSED.” Until this event, I was unaware of financial status or adult responsibilities; suddenly, I was thrown into reality.

I’ve moved twice since this loss. Each move has led to fewer boxes unpacked and more memories left

behind. My focus, determination, and hard work in my academics helped me during tumultuous times.

Although, I wish I could go back into the past and contact the Osceola County Association of REALTORS to solve our predicament before it occurred. Instead of staying in the house, which we were becoming more and more unable to afford, we should have contacted help. A REALTOR® could have helped sell the house and find my family a nice home we could afford. A real estate broker from OSCAR would have ethically worked to sell our house and buy a new one with collaboration and

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020 commuication. Thankfully, I did not lose my way in academics; however, many other students would have been unstable in school because of the lack of stability of having homeownership. Osceola County Association of REALTORS® is the basis for creating a secure education and happy household.

- Sarah Bodman Being an Air Force brat my whole life, REALTORS® have always had a role in my life. Whether they were helping my parents rent out our house in Germany to help pay it off, or they were finding us a temporary rental for our transition periods, they have always had an influence on my life. One REALTOR® in particular had a great influence in the lives of my whole family.

Moving from what had become my home in Germany to Alaska could never be easy, but luckily we had help. His name was Mike, and he was my grandmother’s REALTOR®, and eventrually friend.

With my dad working all the time he did not have time to house hunt and needed all the help he could get. I remember looking at house after house in hopes of finding something to settle in, his hard work came out through every new front porch, every new yard that seemed to show his love for his job and his care for our family.

Eventually he found us a house and we enjoyed it all of the three years we were in Alaska. REALTORS® can often be taken for granted as someone just doing their job, but to this Air Force brat, I understand how important their job is. It was the difference between living in a hotel room, or in a house that soon became a home.

- Sawyer Root There are a variety of REALTOR® Professionals who work to establish benefitting factors for all in our community. Their basic goal is to support and assist their clients (“Why Use a REALTOR®?). Having had to move into seven homes in my life, I have realized that REALTORS® have made transitions much more comfortable for my family. An example was a previous relocation from Arizona to Nevada. Our family moved blindly to this area not knowing what kind of housing market, property values, laws, and quality of schools were in this new area. We were blessed to find a highly qualified and knowedgeable REALTOR® who abided by the Code of Ethics on the

local level. She provided a luxurious amount of key information to ease our anxious emotions.

When buying a particular home in Nevada, our REALTOR® expressed her understanding of legal issues that affect real estate transactions, negotiation skills, and mutual contracts witht he seller (“Scholarship Application”). Most importantly she gave us professional advice and objective insight into a process that usually would be extrememly stressful (“Scholarhip Application”).

Through all of the professionalism and knowledge the REALTOR® brought to us, the most important thing was the frienship that was developed. Our family felt that she helped us fit into the community, making our stay worthwhile. I am grateful for the role REALTORS® play at all levels of our society, especially in our local communities. They do make a difference. - Evan Morris I believe REALTORS® provide more than just houses in growing communities. REALTORS® provide homes where memories are made, where couples can grow old together and watch their family tree prosper. Living in St. Cloud for over thirteen years, this city started out as a small, grassy, and cattle filled town. With the help of REALTORS®, the small town of St. Cloud has transformed into an economically thriving and populous city. At four years old, my family and I made the move from Orlando to St. Cloud. Entering our neighborhood, Sawgrass, a sea of dirt filled the landscape.

Confused, I questioned why were living on a “big piece of sand”. My parents then informed me that REALTORS® were working on meeting our needs for our new dream home. Fast-foward to the present, thirteen years later, my family still resides in this beautiful home REALTORS® helped us find.

Through the years of education, dinners around the kitchen table, and family gatherings, I couldn’t be more thankful to have had this place to call my home. Home is a feeling of comfort and safety that overcomes an individual as they step through the door, and I have been able to experience this through the contribution of REALTORS®.

- Hannah Richards Our great nation was founded on freedom. We enjoy so many freedoms that are not afforded to all people in other parts of the world. One of

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those freedoms is the ability to buy and sell on the open market. Our country grew and became a world leader through westward expansion and the industrial revolution. Real estate often drives the economic direction of our communities.

REALTORS® are the people who ensure that this process works in an efficient and expeditious manner.

I think the greatest contribution REALTORS® provide to our community is being able to provide all types of people with the pursuit of the American dream to own a home. Having an established home is one of the basic necessities of life. Only the REALTOR® has the ability to represent our needs and find a solutions to those needs. No other person or profession can be your friend and companion when embarking on a new search; whether it is next door or across the country. I believe that REALTORS® are one of the most important groups in our community and so important to personal and economic stability.

The REALTOR® may be your first friend in a new neighborhood. I cannot think of another more powerful, significant first impression a REALTOR® provides for people in transition. They are a powerful representative for the new homeonwer’s interests. Like a REALTOR®, if I am selected for your organization’s scholarship, I will also be a powerful representative for your organization.

- Shannon Donnelly As many people know, buying and owning a house is a huge investment, usually the biggest investment of a person’s entire life. This process is both exciting and daunting. It in many cases can enhance someone’s lifestyle or destroy it. The importance of REALTORS® is often overlooked entirely, very few people have come to realize that REALTORS® are one of the few very important groups that work behind the scenes to ensure a high quality of living for communities and keep the American Dream alive.

Before I moved to Florida, I lived in a small town in Michigan. We relocated to Kissimmee, in 2007, just before the housing bubble burst. Both Michigan and Florida experienced some of the highest foreclosure rates in the entire country.

Several personal family friends lost their homes during this time and entire neighborhoods were in disarray. It became obvious to me that lending

institutions did not represent the best long term intersts of buyers, and often buyers themselves were blinded by desire to own bigger and better, spending well beyond their means.

As Osceola County emerges from the economic recession and home sales are once again on the rise, I believe it is the role of REALTORS® to help rebuild neighborhoods and communities. The REALTORS® strict Code of Ethics helps assure families make intelligent and fiscally sound purchasing decisions and in turn builds stable neighborhoods and communities. - Dalton Lackey REALTORS® are typically known for having expert knowledge of a local area and helping individuals and families make one of the biggest financial decisions of their life. However, REALTORS® bring countless vital contributions to the community that are frequently overlooked. THe public often doesn’t realize that REALTORS® indirectly bring business, money, and work to the community.

According to Natalia Siniavskaia, “NAHB analysis shows that during the first two years after closing on the house a typical buyer of a new single-family detached home tends to spend on average, $7,400 more than a similar homeowner who does not move.” During the buying process, work is given to local businesses such as the real estate brokerage, title company, property management, inspoector, and appraiser. Money was also flowing into the community when the consumer bought goods from the local businesses. In 2007, it was detected that new home buyers spent $12,332, outspending non-movers 2.8 times within the first year rof moving (Siniavskaia). These expenditures included appliances, furnishings, and property alterations. All of this money was flowing into the community due to the REALTOR® professionals.

When more people are buying houses and spending money, it forces businesses to hire more poeple to take care of customers, giving the community more disposable cash to spend at local businesses. Local buinesses with more sales means more tax dollars being pumped back into the community. Indirectly, through the REALTOR®, the local community flourishes. REALTORS® are niot only an asset to their clients, but professionals that benefit the entire community. - Kaitlyn Bircher

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protect your business with a social media policy MEDIA CONTACT: Erica Christoffer

It only takes one offensive post on social media to maim the reputation of a business.

Earlier this month, two police offers were shot during a traffic stop in Hattiesburg, Miss. Following the incident, a Mississippi Subway restaurant employee posted a photo of herself in her work uniform on Facebook in an apparent celebration of the killings.

The woman, according to news reports, wrote the following status with her photo: “2 police officers was shot in hattiesburg tonight! GOT EM,” followed by three handgun emojis.

A social media uproar ensued, the employee was fired,

EMAIL: echristoffer@realtors.org

A social media uproar ensued, the employee was fired, and the company has been on damage control since the incident. Obviously, the views expressed by the woman do not reflect those of Subway restaurant, but the offensive nature of the post spread like a disease, making the company a convenient target for the backlash of resentment and anger. Social media has ushered in an era of sharing and connectedness, and with that comes a new set of liabilities for business owners—brokers included.

How do you avoid a situation like the one Subway faced? A panel of broker-owners discussed social media risk management during the Emerging Business

“Social media has ushered in an era of sharing and connectedness, and with that comes a new set of liabilities for business owners—brokers included.” and the company has been on damage control since the incident. Obviously, the views expressed by the woman do not reflect those of Subway restaurant, but the offensive nature of the post spread like a disease, making the company a convenient target for the backlash of resentment and anger.

It only takes one offensive post on social media to maim the reputation of a business.

Earlier this month, two police offers were shot during a traffic stop in Hattiesburg, Miss. Following the incident, a Mississippi Subway restaurant employee posted a photo of herself in her work uniform on Facebook in an apparent celebration of the killings.

The woman, according to news reports, wrote the following status with her photo: “2 police officers was shot in hattiesburg tonight! GOT EM,” followed by three handgun emojis.

Issues & Technology Forum at the REALTORS® Legislative Meetings & Trade Expo in Washington, D.C., May 14.

The first thing brokers can do to mitigate the risk of an agent tarnishing their business’s reputation—or opening up the potential for a lawsuit— is to develop and enforce a social media policy. That means training agents on what is and isn’t appropriate to write in their statuses and comments.

“These issues are hot and we have to deal with them now,” says Brian Copeland, chief of broker services at Village Real Estate Services in Nashville, Tenn.

“Brokerages are behind on this and we’re here to start the conversation.”

Copeland notes that real estate professionals have to adhere to at least four sets of compliance standards when it comes to social media: state real estate commission policies, NAR’s Code of Ethics, their broker’s policy, and the social media website’s terms

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of service. It’s up to brokers to reinforce the importance of compliance, because their business is on the line, Copeland says.

“As a broker you need to be there, you need see what’s going on and how people are truly handling themselves in [online] situations,” says fellow panelist Heather Ozur of Keller Williams Realty in LaQuinta, Calif.

Posts or comments that attack or threaten other people, language that could be taken as defamation, and statements that reveal information about a transaction are points that should be addressed in a brokerage social media policy. There are also issues related to appropriate use of advertising and intellectual property infringement (for instance, do your agents know how to source photos).

Amy Smythe Harris, broker-owner of Urban Provision REALTORS® in The Woodlands, Texas, says she counsels all her agents on how to post on social media, and has conducted webinars for her practitioners on the topic. “A lot of what we’re facing is agents not posting correct content,” she says.

Agents are also not guiding their clients on what’s appropriate to post in the midst of a transaction.

Harris says she knows of sellers who published a post about a negotiation situation involving multiple offers.

A friend of a friend ended up seeing the post and that person happened to be one of the buyer’s agents who submitted an offer.

Situations like that can kill deals, Harris says.

While a social media policy might help, some things are impossible to monitor on social media, Copeland admits. That’s why this issue also relates to professionalism, he says, and if there are agents putting your real estate business at risk online, the best course of action might be to let them go.

“It’s time to say goodbye to your agents who pose a liability,” Copeland says.

Reprinted from REALTOR® Magazine Online (http:// realtormag.realtor.org), May 2015, with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2015. All rights reserved.

Dear OSCAR, I want to personally thank you for supporting my college education. This award will forever change my life as I am now starting a new chapter. As i start this new journey of my life, I will think of the Osceola County Association of REALTORS® contribution.

It amazes me, the generous acts the company is performing for this county. Every student is being changed by such help and support. I thank you deeply. Also, I appreciate the friendly attitude the Osceola County Association of REALTORS has provided to the community and towards myself. It’s amazing. I am so thankful for amazing, wonderful people like you.

- Sarah Bodman

Dear OSCAR, Thank you so much for awarding me this scholarship!

I really appreciate the opportunity you are allowing me through your help in funding my education. Your assistance in helping me to further myself means the world to me. Again, I cannot thank you enough!

Looking forward to beginning my life next year is especially possible because of you.

- Dalton Lackey

Dear OSCAR, Thank you so much for choosing my scholarship application. It is a great honor. I am grateful to have received this scholarship. I plan to use it for schooling in my future. Again, thank you for this scholarship.

- Evan Morris Dear OSCAR, I am deeply grateful that you took the time to read and choose my application for this scholarship opportunity. I will use your generous donation to excel at the University of Florida. Thanks again!

- Shannon Donelly

Dear OSCAR, Thank you so much for choosing me to receive this scholarship. Thank you for believing in me and my future and for providing homes for thousands of families.

- Hannah Richards

Dear OSCAR, Thank you so much for your support of my academic future through the donation of this scholarship!

- Sawyer Root

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proposed delay to

doc change implementation The August 1st date for new mortgage disclosures will be delayed, says Consumer Financial Protection Bureau (CFPB) Director Richard Cordray.

The new proposed start date will be October. 1, 2015.

Initially CFPB will publish the proposed amendment to hold off the effective date, allowing the public time to comment. After the public comment period, a final decision will be expected shortly thereafter. As of yet, however, the propsal has not been published.

This change creates an “integrated disclosure” which combines requirements of the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA).

This change comes on the heel of changes made on June 4th which stated that the CFPB would offer a grace period to title companies and lenders through part of 2015 at least. This would allow companies who make a “good faith effort” to comply to have more time to perfect their systems.

This October postponement will not negate this buffer period.

Margy Grant, Vice President and General Council of Florida Realtors stated they are in the process of updating forms to make the language adhere to the new disclosure requirements.

Watch Florida Realtors’ website for contracts with highlighted changes to be posted sometime in July.

The new documents will be held off until closer to the October 1st date, however.

According to Richard Cordray, Director of the CFPB, this decision was made to correct The Aug 1 an administrative date for new error which would mortgage have already delayed disclosures will the effective date by be delayed. New two weeks. Giving proposed start two months would date will be Oct 1st. “better accomodate the interests of the many consumers and providers whose families will be busy with the transition to the new school year at that time.”

This decision was applauded by a number of industry groups, including the National Association of REALTORS® (NAR) who have been advocating a push back of the start date.

“NAR welcomes the CFPB’s proposed extension … as well as the earlier ‘sensitivity’ they offered to companies making a good-faith effort to comply,” stated NAR President Chris Polychron.

“REALTORS® appreciate that the CFPB has demonstrated an understanding of the need for additional time to accommodate the interests of the many consumers and providers.”

Want to know more? OSCAR will be hosting ”Understanding the CFPB Rule on Integrated Disclosures” on July 7th from 12:30-4:00pm

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MARKET

OSCEOLA COUNTY

DYNAMICS 2 years (monthly) - 4.1.13 to 4.30.15 key information Construction Type All

Osceola SFH Distressed vs.

Total Sales Units Sold

Bedrooms All

Bathrooms All

Property Types Residential (Single Family Home)

Lot Size All Sq Ft All

This data is dependent upon timeliness of sales and totality of information reported by participants.

The data reflects only the sales published through the Mid-Florida Regional Multiple Listing Service (MFRMLS) and does not include all sales in reported areas.

Neither the Association nor the MFRMLS is in any way responsible for its accuracy.

Data: Total Sales = all MFRMLS Osceola Single Family Housing (SFH) & Planned Unit Development (PUD).

(SFH), (PUD)-REO/Bank Owned/Short Sale from Special Sale Provision.

Average Days on Market is: Days to Closed

supply & demand number of units (FS) Monthly Change -6.12 Monthly % -.21 Total Change -146.83 Total % Change -5.09

FOR SALE -5.1%

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month’s supply of inventory (sold calculation) Monthly Change -.06 Monthly % -0.85 Total Change -1.41 Total % Change -20.46

MSI SALE -20.5%

median price (sold) low, high, average, median Monthly Change 950.32 Monthly % .64 Total Change 22,807.70 Total % Change 15.43

FOR SALE 15.4%

OSCARAFFILIATES TECHOSCAR

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professional

affiliates ADVERTISING/ PUBLICATIONS The Osceola Gazette Matt Plocha 108 Church St. Kissimmee, FL 34741 T 407-846-7600 ext107 F 407-846-8516 mplocha@ osceolanewsgazette.com osceolanewsgazette.com The Real Estate Book Michael Martin 261 Specialty Point Sanford, FL 32771 T 407-878-1238 orlandorebook@ gmail.com

AGENT MARKETING SERVICES BrandAid Chris Florence 7354 Bent Grass Drive Winter Haven, FL 33884 T 863-557-7953 chris@brandaid.com www.abrandaid.com Video Merge, LLC Joseph Terp 6917 Narcoossee Rd. Ste 716 Orlando, FL 32822 T 321-800-2121 josephterp@gmail.com www.home. buyerscallingyou.com

ATTORNEYS

CPC Law Charles Castellon 14129 Town Loop Blvd, Suite 200 Orlando, FL 32837 T 407-851-0201 F 407-851-9411 ccastellon@ centralflattorney.com Law Office of Daniel Villazon, P.A. 1420 Celebration Blvd.

Celebration, FL 34747 T 407-483-0041 dvillazon@yahoo.com frecattorney.com

Quinones & Oliver, P.L. Leslie Zimmerly 11513 Lake Underhill Rd, Ste A Orlando, FL 32825 T 407-249-5050 F 407-249-5008 leslie@QFPO.com www.QFPO.com Roland H. Acosta & Associates Roland H. Acosta 399 Carolina Avenue, Suite 210 Winter Park, FL 32789 T 407-644-2531 F 407-628-9289 racosta@ acostaatlaw.com Suarez Law Group Anthony Suarez 517 W. Colonial Drive Orlando, FL 32804 T 407-841-7373 F 407-841-7181 Suarez@cfl.rr.com

CONSTRUCTION/ REPAIR/ RENOVATIONS Linscott Plumbing Services Wayne Linscott 2009 Jaffa Dr. St. Cloud, FL 34771 T 407-891-1700 linscottplbg@aol.com

FINANCIAL SERVICES/ INSTITUTIONS 1-866-Reverse Mortgage, Inc. Tim Linger 1536 Villa Marie Dr. Orlando, 32807 T 321-356-9229 F 321-710-2458 TimLinger@ 1866reverse.com www.1866reverse.com

RP Funding Jon Woods 2700 Westhall Ln, Ste 120 Maitland, FL 32751 T 321-397-4189 F 888-851-7348 Jon.woods@ rpfunding.com www.rpfunding.com Butler Mortgage Qubty Financial Group Barbara Bowling Qubty 1012 W. Emmett Street, Suite B David 7680 Universal Blvd., Kissimmee, FL 34741 Suite 405 T 407-931-3800 Orlando, FL 32819-8998 F 407-931-3801 T 407-370-3030 bblowling@ F 407-370-2040 butlermortgage.com dqubty@ Butler Mortgage qubtyfinancialgroup.com Harry Urban Qubty Financial Group 1012 W. Emmett St, Ste B Sami D. Qubty Kissimmee, FL 34741 7680 Universal Blvd., T 407-931-3800 Suite 405 F 407-931-3801 Orlando, FL 32819-8998 hurban@ T 407-370-3030 butlermortgage.com F 407-370-2040 Centerstate Bank of Florida, N.A. dqubty@ Scott Johnson qubtyfinancialgroup.com 920 North John Young Wells Fargo Home Pkwy Mortgage Kissimmee, FL 34746 Arlene Allert T 407-847-3800 One Home Campus F 407-847-8482 sjohnson@centerstatebank.com Des Moines, IA 50328 T 515-213-6500 F 55-213-6102 Equity Mortgage Bankers MLSmemberships@ Odette Alaga-Tua wellsfargo.com 217 N Westmonte Dr, www.wellsfargo.com #2000 Altamonte Springs, FL Buy Your Side Inspection 32714 Tommy Joynes T 407-504-5114 1101 Pennsylvania Ave F 305-575-2580 St. Cloud, FL 34769 oaliagatua@equitymb.com T 407-780-0911 www.equitymb.com thefloridainspector.@gmail.com thefloridainspector.com RP Funding Scott Johnson 2700 Westhall Ln, Ste 120 Maitland, FL 32751 T 321-397-4189 F 888-851-7348 Scott.Johnson@rpfunding. com www.rpfunding.com

AmeriPro Home Loans John Riesebeck-Lopez 4703 NW 53rd Ave, Ste A3 Gainesville, FL 32606 T 407-846-4040 x 258 jrlopez@ ameriprohomeloans.com www.jriesebeck. ameriprohomeloans.com

OSCARAFFILIATES REVIEWOSCAR

031 Closer Look Home Inspections Keith Wilson 7862 W. Irlo Bronson Hwy, #115 Kissimmee, FL 34747 T 407-319-4608 Keith@closer-lookinspections.com www.closer-lookinspections.com Firm Foundation Home Inspections,Inc. Aubrey Kahn 2200 Sylvan Court Kissimmee, FL 34746 T 321-624-0254 akahn.firmfoundations @gmail.com tophomeinspection.com ELG Group, LLC Geraroldo Nunez 2213 Grand Cayman CT Ste 111 Kissimmee, FL 34743 T 407-791-2991 gnunez@ELG @gmail.com Housemaster Home Inspections Colin Williams 527 Brack Street Kissimmee, FL 34744 T 407-343-4677 F 407-947-5354 cawilliams@housemaster.com osceola.housemaster.com JDIFG Bob Djordjevic 14513 Gainesborough Dr Orlando, FL 32826 T 407-620-6457 F 407-479-3457 FloridaHomeInspector@ gmail.com Pilar Home Inspection Peter Boorman 106 Haversham Way Davenport, FL 33897 T 407-729-2579 peter.pilarhi@gmail.com www.pilarhomeinspectors.com Pillar to Post Sam Grasso 8200 Lynch Dr. Orlando, FL 32835 T 407-512-5995 F 407-512-6707 sam.grasso@ pillartopost.com www.pillartopost.com/ samgrasso

Sitepoint Inspection Services, Inc Luis Nigaglioni 529 Burford Circle Davenport, FL 33896 T 321-278-9238 luis@sitepointinspection services.com

REAL ESTATE SCHOOLS/ EDUCATION IFREC Real Estate Schools Richard Fryer 5029 Edgewater Drive Orlando, FL 32810 T 407-644-7277 F 407-647-5227 robin@ifrec.com

REALTOR速 SERVICES Creating Wealth USA, LLC August Byllot P.O. Box 470654 Celebration, FL 34747 T 863-255-5858 augie@ creatingwealthusa.com creatingwealthusa.com

TITLE/ESCROW/ INSURANCE SERVICES A-Z Team Title, LLC Bernard S. Edwards 102 Park Place Blvd.

Kissimmee, FL 34743 T 407-932-0529 F 407-932-1587 bernie@azteamtitle.com Alex Insurance Agency Alex Ramos 6 Broadway Kissimmee, FL 34741 T 407-847-5839 F 866-854-5354 alexinsurance@aol.com www.AlexInsuranceUSA.com American Latin Title Maria de Fatima De Assuneao 13574 Village Park Dr. , Ste 135 Orlando, FL 32837 T 407-363-7704 F 407-363-7706 Fatima@americanlatintitle.com www.americanlatintitle.com

Brokers Title Services, LLC Teresa C. Tavera 5401 S. Kirkman Rd, Suite 207 Orlando, FL 32819 T 407-476-2033 F 407-413-8745 teresa@brokerstitleservices.com

Tiede Insurance Craig Tiede 2342 E. Irlo Bronson Memorial HWY Kissimmee, FL 34744 T 407-744-0043 Craigtiede@allstate.com

Brokers Title Services, LLC Fresa Tavera 5401 S. Kirkman Road, Suite 207 Orlando, FL T 407-476-2033 D 407-413-8745 fresa@brokerstitleservices.com www.BrokersTitle Services.com

OTHER SERVICES

Esquire Title Company Charles Castellon 14129 Town Loop Blvd, Ste 200 Orlando, FL 32837 T 407-851-0201 F 407-851-9411 charles@cpclaw.net cpclaw.net Integrity First Title Betty M. Dobbie 908 Mabbette Street Kissimmee, FL 34741 T 407-846-4500 F 407-846-4533 bdobbie@integrityft.com Quality Title & Escrow LLC Lisa Bennett 1801 Lee Road, Suite 205 Winter Park, FL 32789 T 321-304-3906 F 321-304-3009 lisa@qtefl.com Quality Title & Escrow LLC Juanita Figueroa 715 Mabbette St. Kissimmee, FL 34741 T 407-483-8861 F 407-483-8869 juanita@qtefl.com www.qtefl.com Stewart Title Rhonda Owen 1401 Budinger Ave. St. Cloud, FL 34769 T 407-846-7477 F 407-846-6573 rowen@stewart.com Stewart Title Rayelynne Ketchum 1401 Budinger Ave. St.Cloud, FL 34769 T 407-957-9000 F 407-957-8055 rketchum@stewart.com

ADT Security Services Carlos Sanchez 6830 Shadowridge Dr, Suite 211 Orlando, FL 32812 T 407-666-4526 F 407-479-3162 maxcgroup@hotmail.com ADT.com Concordia Studios Kemp Howland 355 Falling Waters Dr Poinciana, FL 34759 T 407-222-4847 F 407-705-2562 Kemp.Howland@ gmail.com concordiastudios.com Culligan Water Deborah Hutchison 2101 W. Landstreet Rd Orlando, FL 32809 T 407-425-6686 F 407-425-1005 dhutchison@ culliganflorida.com www.culliganorlando.com Heritage Park Inn Chalencia Seay 2050 E. Irlo Bronson Memorial Hwy Kissimmee, FL 34744 T 407-846-4545 F 407-932-2268 Sea@ TheHeritageParkInn.com Wild Palms Productions Victor Salgado 2420 Cypress Trace Circle Orlando, FL 328254 T 321-948-3512 wildpalmsproductions@ gmail.com wildpalmspro.com

PRSRT STD U S POSTAGE PAID MID-FL FL PERMIT NO. 581

Osceola County Association of Realtors® 1105 Shady Lane • Kissimmee, FL 34744

elin

welcome new

members Marcia Aguiar - Victoria Realty Samira Akleh - V Properties, Inc. Magaly Aldana - Afton Properties, LLC Shawn Alderman - Watson Realty Corp Luis Alvarado - Keller Williams Advantage III Hervin Alvarez - Keller Williams Advantage III Robert Anderson - Coldwell Banker West Realty Khalil Asha - BHHS Results Realty David Bermeo - Keller Williams at the Lakes Miranda Berry - Dunnick Real Estate Company Laura Block - Keller Williams Advantage III Monica Bonilla Rodriguez - G World Properties Badr Bouchnafa - Weichert Realtors Hallmark Pro Monique Broussard - La Rosa Realty, LLC Ronald Brown - Exit Realty Champions Juancarlos Caballero - Roman’s Pro Realty, LLC Laura Calderon - Homestead Realty Inc. Marianne Campos - Frankeys Agency Services Inc Lucia Cancino - Keller Williams at the Lakes Caleb Carpenter - Homepride Realty Services Florina Clinger - Coldwell Banker Solomon Lizbeth Colorado - V Properties Inc Adam Connell - Keller Williams Advantage III Lenied Contreras - Robles Realty International, LLC Marcelino Correia - Marcelino Correia Luz Cortes - V Properties Inc Erlinda De Chavez - Papp Realty, Inc. Nancy Diaz Moralez - Merk Michel Inc Magdaleno Dominguez - La Rosa Realty LLC M Charles Dunnick - Dunnick Real Estate Company Mohammed Elmansouf - Watson Realty Corp.

Marcia Enck - BHHS Results Realty Christopher Fales - Keller Williams at the Lakes Nathaly Familia - Viva Realty Ina Flashman - Charles Rutenberg Realty Steven Friedland - REMAX PIONEER Scott Garland - Better Homes & Gardens Fine Living Patricia Gerstenmaier - Weichert Realtors Hallmark Pro Brett Getter - Watson Realty Corp.

Javier Gomez - American Prime Properties Francisco Gonzalez - Agent Trust Realty Corporation Jury Hernandez - Coldwell Banker Ackley Realty Nelson Jimenez - Empire Network Realty Inc Bobbie Jones - BHHS Results Realty Ali Kourani - Watson Realty Corp Janhavi Kulkarni - Coldwell Banker Solomon Larissa Labiosa - La Rosa Realty LLC Abdelhadi Lakhal - Keller Williams Classic II Realty Damien Lambe - Southern Dunes Realty Nestor Landron - Weichert Realtors Hallmark Pro Eudoxio Lansigan - Papp Realty, Inc. Fernanda Leone - Charles Rutenberg Realty Kerline Lubin - Weichert Realtors Hallmark Pro Luis Marrero - Florida Realty Investments Jose Marrero Cruz - Florida Lighthouse Realty Fabiola Meneses - NewMark Investment Group Santino Miozzi - Florida Lighthouse Realty Ronald Mitchell - Fusilier Realty Group Alain Moise - BHHS Results Realty Eugene Monk - Exit Realty Champions Carolina Navarrete De Rivas - Lakes Jesymar Ocampo Alvarado - Keller Williams Advantage III Tibaldo Ojeda - Roman’s Pro Realty LLC Maigualida Palacios - Deconova International Realty Lorenza Perez - Orlando REO Group Inc Jose Pinto - International Florida Brokers LLC Maria Quintero - Florida Real Estate Group, Inc Emelinda Ramos - Empire Network Realty Inc. Roberto Reyes - La Rosa Realty LLC

Sandra Roberts - CHHS Results Realty Manuel Rodriguez - Weichert Realtors Hallmark Pro Michelle Samaniego - Coldwell Banker Acker Realty Sheeris Sanchez - Keller Williams at The Lakes Angelis Sancruzado - Keller Williams at The Lakes Joao Santos - Drim Properties Ronald Scarborough - Watson Realty Corp Andre Sabastiani - Capital Equity Real Estate Company Anastasia Semenov - Keller Williams Classic II Realty Ralph Servis - Homepride Realty Services, Inc Justin Shrouder - BHHS Results Realty LLC Lisa Shull - La Rosa Realty LLC Joy Sizemore - All Star Properties of Central Florida Julia Soileau - Soileau Appraisal Group LLC Anita Thomas - RE/MAX Marketplace II LLC Alexander Trujillo - Keller Williams at the Lakes Jaqueline Valdes - REMAX Pioneer Joseph Williams - Right Track Realty Kenia Williams-Calderon - Keller Williams at the Lakes Galina Yurchenko - Advantage Realty

AFFILIATE

offices

ADT Security Services AmeriPro Home Loans Brokers Title Services Closer Look Home Inspections Culligan Water ELG Group, LLC Heritage Park Inn JDIFG Sitepoint Inspection Services Tiede Insurance Wells Fargo Home Mortgage Video Merge, LLC