Q3 final

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

magazine 3RD QUARTER JULY, AUGUST, September 2014

Osceola ReView

CREATING MEMORABLE SLOGANS PAGE07

& IRS OFFERING FRESH START INITIATIVES

& GOING GLOBAL

PAGE21

PAGE12

RPR: THE 2013 Awards REALTORS速 & Installation PROPERTY Luncheon RESOURCE Highlights PAGE26

WELCOMECONTENTS

002

WELCOME/ CONTENTS JUL, AUG, SEP 2014 news 4 5 7 8 12 13 21 24

Member Announcements & Benefits First Quarter AE Message Creating Memorable Slogans Purchasing Used Supra LockBoxes IRS Offering Fresh Start Initiatives Eliminating IRS Penalties Going Global OSCAR Scholarship Winners Announced

technology

26

RPR: The REALTORS速 Property Resource

events

10 July, August, September 2014 Calendar

16 Relay For Life 17 Welcome to the Latin South Chamber Event 18 Leadership Academy 19 New OSCAR members

local trends

28

Market Dynamics

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Events to Watch for This Summer Hello REALTORS®! We’re gearing up for a couple important events this summer that I want to alert you to: The Florida REALTORS District 12 Economic Summit, and the annual OSCAR RPAC Auction. These are both events that are sure to help build success as a REALTOR®.

The District 12 Event will be taking place July 9th at the Rosen Center on International Drive. OSCAR’s own Veronica Malolos is serving as the District 12 Vice President and will be hosting the event entitled, Productivity & Profit.

This is a stellar opportunity to meet with other like-minded professionals in the field and to grow your network, plus it will inform you of important economic trends in the local area, to keep you abreast and an authority on the subject.

2014 OSCAR President, Daisy Lopez-Cid

Topics covered at the upcoming District 12 event are: Technology for Top Producers, the State of Central Florida’s Economy, How to Increase Global Business, and there will be a special panel of top producing brokers moderated by this Association that is not to be missed! Register today!

And of course there is our spectacular RPAC Auction extravaganza. We do this every summer to bring REALTORS® together for fun, networking, and a chance to support the REALTORS® Political Action Committee in the most fun way possible. We’ll have all kinds of exciting items available for you to bid on, and the best part is, all the money collected will go towards helping REALTORS®. RPAC supports REALTOR® interests by promoting legislation and candidates that further the REALTOR® agenda and make business better for us all. If you are interested in attending, call the office to order tickets or visit the website at OsceolaRealtors.org. Contributing to RPAC is contributing to your success and the success of REALTORS® all over the country. I’ll be there, and I hope to see you there as well.

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

advocates team

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

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

contributing writers

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

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.

advertising distribution

Digital or printed media packs available on request.

HEAD OF SALES: Chris Florence, CCIM, e-Pro The ReView is printed quarterly. To subscribe contact our subscriptions team below. webmaster@osceola-realtors.com

ACCOUNTS: Bob St. Gordon, e-Pro MEMBERSHIP SERVICES: Ally Vallecillo, e-Pro bob@osceola-realtors.com ally@osceola-realtors.com

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

www.Osceolarealtors.org

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OSCAR Announcements & Benefits

Tech

Lab Days @ OSCAR Are you having trouble figuring out your smart phone, tablets, or laptops? Confused by a new operating system or app? Come in with your devices and speak to one of our staff. We’re here on July 17th to walk you through whatever your tech related issues may be.

Our tech lab day starts at 9:00am and goes through 4:00pm in the OSCAR auditorium. No registration necessary, just come on in.

Your Member Benefits NAR has created RPR, the REALTOR® Property Resource - created by REALTORS® for REALTORS®.

This handy tool is your one-stop shop for detailed market analysis and comprehensive reports that is accessible in the office or on the go through your wireless devices. RPR offers custom features for agents, brokers, commerical sales reps, and even appraisers! Search from over 160 million properties nationwide! Get demographic analysis to determine ideal locations for specific commercial businesses.

Customize client reports with your agency brand and display affiliated services on reports and on the web.

To find out more how RPR can benefit you, see our article on page 26.

Scholarship Winners Announced!

Our community involvement team has done it again!.

In addition to raising over $5,000 for Relay for Life to fight cancer, they have also done the local community another solid by providing 6 $1000 scholarships to Osceola County High School Seniors. Our winners have recently been announced and are as follows: Jasmine Haddaway, Logan Clemons, Diana Lacatusu, Alessandra Capobianco, Junstin Baba, and Stephanie Baur. Read their winning entries on page 24.

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OSCAR

2nd Quarter Association

Executive MESSAGE Professional Excellence MEDIA CONTACT: Carol Platt

The value of hiring a REALTOR® is certainly well documented in terms of contract and closure knowledge and processes, as well as, the ability to expose and provide up-to-theminute access to properties for sale and rent. Experience and knowledge truly count when buying or selling one of the most valuable assets that many families will ever own. Our association not only hears from our members, but we have great relationships with our affiliated businesses, brokers and consumers. So, what makes the difference between the good real estate professional and the great one?

These are a few reflections from affiliates, brokers, and consumers: • Great REALTORS® tell the truth whether the news is good or bad.

• Great REALTORS® use every resource to benefit the client first and their personal success second.

(Trade secret - this action results in never having an issue with the second option).

• Great REALTORS® use good judgment and react quickly when faced with unexpected problems and encourage, facilitate and meet reasonable deadlines for all parties involved in the transaction.

• Great REALTORS® respect all parties to a transaction (including

PHONE: 407-846-0117

their staff) and understand the value of everyone’s time and money.

• Great REALTORS® accept constructive criticism and gracefully implement anyone’s idea that creates mutual benefit and professional excellence within the transaction.

• Great REALTORS® communicate only positive information about our profession, their brokerages, fellow REALTORS and professionals engaged in the transaction and neither spread malicious gossip nor generate resentment or create undue stress during a transaction.

• Great REALTORS® are organized, listen to their clients’ priorities, act upon them and document everything to facilitate a valuable paper trail.

• Great REALTORS® have positive attitudes and see all parties in a transaction as part of a team equipped to achieve a positive result – a win-win outcome for the buyer and seller alike.

• Great REALTORS® are always learning, evolving and flexing to meet demand of the marketplace, the profession and their clients’ changing priorities, cultures and communication methods.

• Great REALTORS® see business partners and fellow REALTORS® and brokerages as allies more than rivals and volunteer and network to build better, more col-

2014

EMAIL: ae@osceola-realtors.com

Association Executive, Carol Platt

laborative relationships within the profession.

• Great REALTORS® are willing to inform, instruct and mentor newer, younger or less-experience agents and affiliated staff. At OSCAR meetings, member Nick Nichols has often termed “sharing with your fellow REALTOR®” as one of the most important relationship activities within the association.

The Osceola County Association of REALTORS® serves our profession, our members, our brokers, our consumers and our community as a conduit to greatness. Having SUCCESS on the menu makes everyday go from good to great!

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Marketing Tips

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CREATING MEMORABLE SLOGANS MEDIA CONTACT: Chris Florence

BLOG: abrandaid.com/blog-marketing-strategies

In this article, we’re going to be talking about how you can create memorable slogans for your company that sticks in your customer’s minds.

So obviously you want to make it memorable, but how do you make it memorable? In branding creating a memorable slogan is key. Well, what are the primary benefits, what I want you to do is just, right now think about this or take a pen and a paper, or pencil and paper out. And just think, what are your primary benefits? Think about two to three of the primary benefits of your company, and just jot them down.

Another thing you can also do is just differentiate your brand in comparison with your competitors, but before you can do this, obviously you need to know who your competitors are and how they’re branding themselves.

What slogans that they’re using and how do you differ from them. Relate that to the benefit somehow. You could do something that’s related to customer satisfaction like, customer support or something like that, something that’s great. And solidify the brand by re-emphasizing the name in your logo.

Branding Creating a Memorable Slogan You can also do stuff like rhyme and jingles, and one thing you can do – these are just ideas that you can use, but you could take any of these and combine them to create more power in your branding for your slogan. So you can have the primary benefit, you could have as the USP, and when I say USP I mean “unique selling proposition” or what differentiates you from your competitors.

So How Do You Get Started So let me show you how to go about doing this, give you examples of companies and their slogans, and how they could be standing out compared to their competitors. And how you can figure out what your competitors are doing and things like that. And I’ll show you how to do a rhyme and jingle as well.

So I was at Subway today, and they have a slogan that says “eat fresh” – now Subway, they’re angle is all about sub sandwiches and so forth. So, “eat fresh” obviously emphasizes to people that they’re foods are fresh. And that’s what people want to know, they want to know “is

EMAIL: chris@abrandaid.com

this food fresh?”and they want to know, “does it taste good?” Stuff like that. Or Nike for example. Nike is “Just do it.” It’s just a simple, easy slogan that doesn’t necessarily describe the benefits of the product itself, but it describes more of an action. Another example is Arby’s, and Arby’s slogan is “Slicing up freshness.” So you kind of get an idea here, how important the slogan is, to basically backup the actual brand name. So think about a slogan as a way to backup the brand name.

Some Tools for Slogan Ideas Now let’s talk about how you can do some research on your competitors, and how to figure out their company brand, their slogans and things like that. One specific tool that I like to use is KeywordSpy.com, and another one is called SpyFu, which is very similar to KeywordSpy.com. Now both of these tools give you the ability to do research on your competitors. Now you can figure out what competitors are using in terms of keywords, but we’re primarily interested in who are our competitors. So let’s say for example that I type in “Arby’s”. So as you can see here, this is Arby’s and we can see the ads they’re using, and the competitors that they have. So if you click on Competitors, these are their competitors. So you’ve got Wendy’s which is another competitor. What I like to do is simply just go to these websites and I’ll highlight this. Search google for Wendy’s…and look at their slogan. Okay so if I go to google, type in Wendy’s slogan, you can see that it says, the slogan is “It’s way better than fast food.” When somebody eats fast food, they probably feel horrible afterwards, so if you emphasize “hey, while this is fast food, it’s better than fast food.” And that’s definitely a catchy slogan, and can appeal to certain people. So KeywordSpy.com is a great place to find your competitors, as well as SpyFu.com. So simply, basically figure out the domain of your competitors, type this in, and start going back to google, type in the company name + slogan so you can kind of get an idea of what you’re up against. If you can do at least research on maybe ten to fifteen competitors, just see what’s in common in terms of all these different companies and their slogans. It gives you a better idea of your market and creating a slogan for yourself.

Now let’s talk about rhyme and jingles. Let’s say you

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were to take these words like, “slicing up freshness” or things like that, and creating a rhyme and jingle. There’s a specific site that I like to use, it’s called RhymeZone.com and all you have to do is basically enter a word, and it’ll give you words that rhyme with that word. So you could say something like, “fresh” and

then click search, and it gives you a list of all the words that rhyme with “fresh.” And that’s a really easy way to create rhymes and jingles, simply by using this specific site.

Professional Standards

PURCHASING USED SUPRA ELECTRONIC LOCKBOXES

MEDIA CONTACT: Bob St. Gordon

PHONE: 407-846-0117

Buyer Beware! Please note that if you are buying/selling Supra Electronic Lockboxes (iBoxes) online or otherwise outside of the Association, the lockbox must first be physically deprogrammed at the original Association purcahsed, then reprogrammed in your name

EMAIL: accounts@osceola-realtors.com

at our Association, otherwise it will not work. We will also need some form of documentation (receipt, letter from previous owner) showing the trasnfer of ownership of the lockbox(es) to you.

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EVENTSCALENDAR

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events THIS apr/may/jun

SEMINAR

REGISTRATION CONTACT Kim Wagar

EMAIL aeassistant@ osceola-realtors.com

CALL

JULY 1ST

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

JULY 14TH

Toastmasters TIME: 5:30PM - 6:30PM JULY 17TH

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

JULY 7TH

MLS Training TIME: TBA

Toastmasters TIME: 5:30PM - 6:30PM JULY 8TH

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

Preparing & Navigating the Listing Contract 4 CE’s TIME: 1:00PM - 5:00PM

Fundamentals of Property Management for the Real Estate Practitioner (iCE) Live, In-House Streaming Course TIME: 9:00AM - 12:00PM

JULY 21ST

INSTRUCTOR: Cynthia DeLuca

New Member Welcome

JULY 28TH

TIME: 9:00AM - 12:30PM

TIME: TBA

New Member Ethics & Quadrennial Code of Ethics Video No CE’s TIME: 1:00PM - 4:00PM

Toastmasters TIME: 5:30PM - 6:30PM JULY 23RD

Choosing & Writing a Successful Contract

7 CE’s TIME: 8:30AM - 4:30PM INSTRUCTOR: Cynthia DeLuca

INSTRUCTOR: Cynthia DeLuca

COST: Free for Members

COST: Free for Members

$129 for Non-Members

$35 for Non-Members

JULY 25TH

MLS Training

407.846.0117 Unless otherwise noted

AUGUST 18TH

Toastmasters TIME: 5:30PM - 6:30PM AUGUST 19TH

Social Media Hands-On Workshop

Toastmasters

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

TIME: 5:30PM - 6:30PM

INSTRUCTOR: Craig Grant

JULY 30TH

COST: $39 for Members and $59 Non-Members

MLS Training

*Registration required. Limited

AUGUST 4TH

AUGUST 21ST

TIME: TBA

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

MLS Learn & Earn TIME: 9:00AM - 10:00AM AUGUST 11 TH

Availability

Military Relocation Professional (MRP) Certification Core Course 7 CE’s TIME: 8:30AM - 5:30PM INSTRUCTOR: Phil Riek COST: $99 for Members and Non-Members

MLS Training

AUGUST 25TH

Toastmasters

MLS Training

TIME: TBA

TIME: 5:30PM - 6:30PM

TIME: TBA

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

Office will be closed on 7/4 and 9/1

Classes are free to members unless otherwise noted.

EVENTSCALENDAR

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AUGUST 27TH

SEPTEMBER 8TH

Core Law

New Member Welcome

3CE’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 SEPTEMBER 4TH

TIME: 9:00AM - 12:30PM

and Non-Members SEPTEMBER 5TH

FHA/VA Financing (iCE) Live, In-House Streaming Course 3 CE’s TIME: 1:00PM - 4:00PM

SEPTEMBER 15TH

MLS Training

SEPTEMBER 29TH

Toastmasters

TIME: 5:30PM - 6:30PM

Choosing & Writing a Successful Contract

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

SEPTEMBER 22ND

MLS Training TIME: TBA

Toastmasters

CAN’T FIND AN EVENT YOU WISH TO ATTEND? 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.

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

Core Law

3CE’s TIME: 9:00AM - 12:00PM INSTRUCTOR: Richard Fryer

INSTRUCTOR: Patti Ketchum

COST: Free for Members

COST: Free for Members

$35 for Non-Members

$35 for Non-Members

$35 for Non-Members

TIME: 5:30PM - 6:30PM

7 CE’s

COST: $79 for Members

COST: Free for Members

Toastmasters

SEPTEMBER 17TH

INSTRUCTOR: David Wyant

INSTRUCTOR: Richard Fryer

No CE’s TIME: 1:00PM - 4:00PM

TIME: 5:30PM - 6:30PM

TIME: 8:30AM - 5:00PM

3 CE’s TIME: 1:00PM - 4:00PM

New Member Ethics & Quadrennial Code of Ethics Video

TIME: TBA

Resort & Second Home Property Specialist (RSPS) Certification Course

Code of Ethics

Email: Communications @osceolarealtors.com

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Tax Info

IRS

Offering

‘Fresh Start’

Initiative to Taxpayers MEDIA CONTACT: Peter Pappas

EMAIL: ppappas@pappaslaw.com

The Internal Revenue Service is continuing its expansion of the “Fresh Start” initiative by offering more flexible terms to its Offer in Compromise (OIC) program that will enable some of the most financially distressed taxpayers to clear up their tax problems and in many cases more quickly than in the past.

WEB: www.pappastax.com

their tax problems in as little as two years compared to four or five years in the past.

“This phase of Fresh Start will assist some taxpayers who have faced the most financial hardship in recent years,” said IRS Commissioner Doug Shulman. “It is part of our multiyear effort to help taxpayers who are struggling to make ends meet.”

In certain circumstances, the changes announced today include: • Revising the calculation for the taxpayer’s

future income.

• Allowing taxpayers to repay their student loans.

• Allowing taxpayers to pay state and local

delinquent taxes.

• Expanding the Allowable Living Expense

allowance category and amount.

Today’s announcement focuses on the financial analysis used to determine which taxpayers qualify for an OIC (otherwise known as an IRS Settlement). This announcement also enables some taxpayers to resolve

In general, an OIC is an agreement between a taxpayer and the IRS that settles the taxpayer’s tax liabilities for less than the full amount owed. An OIC is generally not accepted if the IRS believes the liability can be paid in

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013 full as a lump sum or a through payment agreement. The IRS looks at the taxpayer’s income and assets to make a determination of the taxpayer’s reasonable collection potential.

The IRS recognizes that many taxpayers are still struggling to pay their bills so the agency has been working to put in place common-sense changes to the OIC program to more closely reflect real-world situations.

When the IRS calculates a taxpayer’s reasonable collection potential, it will now look at only one year of future income for offers paid in five or fewer months, down from four years, and two years of future income for offers paid in six to 24 months, down from five years. All offers must be fully paid within 24 months of the date the offer is accepted. The Form 656-B, Offer in Compromise Booklet, and Form 656, Offer in Compromise, has been revised to reflect the changes.

Other changes to the program include narrowed parameters and clarification of when a dissipated asset will be included in the calculation of reasonable collection potential. In addition, equity in income producing assets generally will not be included in the calculation of reasonable collection potential for on-going businesses.

Allowable Living Expenses

taxpayer’s ability to pay. The standard allowances provide consistency and fairness in collection determinations by incorporating average expenditures for basic necessities for citizens in similar geographic areas. These standards are used when evaluating installment agreement and offer in compromise requests.

The National Standard miscellaneous allowance has been expanded to include additional items. Taxpayers can use the miscellaneous allowance for expenses such as credit card payments and bank fees and charges.

Guidance has also been clarified to allow payments for loans guaranteed by the federal government for the taxpayer’s post-high school education. In addition, payments for delinquent state and local taxes may be allowed based on percentage basis of tax owed to the state and IRS. This is another in a series of steps to help struggling taxpayers under the Fresh Start initiative.

In 2008, IRS announced lien relief for taxpayers trying to refinance or sell a home. The IRS added new flexibility for taxpayers facing payment or collection problems in 2009. The IRS made changes to lien policies in 2011 and expanded the threshold for small businesses to resolve tax problems through IRS installment agreements. And earlier this year, the IRS increased the threshold for a streamlined installment agreements allowing individual taxpayers to set up an installment agreement without providing a significant amount of financial information.

The Allowable Living Expense standards are used in cases requiring financial analysis to determine a

Eliminating IRS Penalties: Why you can do it and how

MEDIA CONTACT: Peter Pappas EMAIL: ppappas@pappaslaw.com WEB: www.pappastax.com

When you file or pay your taxes late or are audited and changes are made to your return the IRS will usually assess a penalty against you. The IRS penalty rates vary from 5 percent of the unpaid taxes for each month or part of a month that a tax return is late to a 75% tax penalty for fraudulent deductions or fraudulent omission of income.

The bad news is that IRS penalties can substantially increase your tax liability. The good news is that you can request that the IRS reduce or eliminate IRS penalties.

The way to do this is to establish, through legal argument and supporting documentation, that your failure to comply with the federal tax laws was not willful but due to reasonable cause.

There are numerous possible reasonable cause arguments a taxpayer can make. Some of the reasons that the IRS accepts are reliance on a qualified tax adviser, serious health problems, an unexpected catastrophe such as floods, earthquakes and hurricanes that either caused you serious hardship or resulted in a loss of your tax records, and an inability to comply with the law.

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Networking Events

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Becky Chirillo receives her first pin.

Susie Graves and Wanda Linscott were among over a dozen Honor Society Member recognized.

Congratulations to all who earned this special designation!

Our Honor Society Members: 1st Year:

4th Year:

Angel Ortiz Carol Platt Reecca Chirillo James Williams, III

Veronica Malolos Tim Weisheyer

5th Year: Michelle Renee Clark

2nd Year: Daisy Cid Suzanne Foels John A. Goldsborough Jeffrey D. Perry

3rd Year: Susan G. Graves Wanda Linscott

7th Year: Kim Goodwin

14th Year: Karen Dierickx

21st Year: Marilyn “Charli� Phelps

Karen Dierickx has been in the Honor Society for 14 years! Great job, Karen!

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Welcome to the ‘Latin South’

Relay For Life Our Community Involvement Commity has done it again! They’ve raised over $5,000 dollars to fight cancer at this year’s Relay for Life Event. Congratulations to Team OSCAR for working so hard towards this endeavor. They were among the top fundraisers for this local event. Their hard work in fundraising will help fund research may one day put an end to a terrible disease that effects so many. Good work!

The Relay for Life Team: From the left - James Williams, Aracelly Santana, Olga Rocio Ferrero, Anisa Kalim, Angel Ortiz, Olga Castano, Tina Campbell, Sue Vasquez, Aubrey Kahn, Carol Platt, and Shane Platt

Pablo Campos and friend

Team OSCAR: From the back left - Kim Goodwin, Ally Vaillecillo, Kim Wagar, Stanley St. Hilaire, Angel Ortiz, (front row:) Daisy Cid, Adriana Acevedo, and Cheryl Grieb OSCAR President Daisy Cid and Kim Goodwin Dance at Relay for Life

Photos Courtesy of Shane Maloy

OSCAR knows that networking is key to building your success. That’s why we bring important networking functions to you here at the Association. One such recent event was our hosting of the St. Cloud Chamber after hours mixer which we titled, “Welcome to the Latin South” - a Latin and Country themed social that brought together people from all over Kissimmee/St. Cloud to grow their network and make valuable business connections. The turnout was a great success! Watch your emails for other upcoming networking opportunities like this one. There’s sure to be more!

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018 Association Executive Carol Platt poses with Leadership Academy Instructor Melynn Sight

LEADERSHIP MATTERS! Leaderhip matters! Every year we seek out new leaders to be part of our committees and our Board of Directors. These leaders are the ones that help make this Association and this community great. This past May we brought Melynn Sight to our Association to help build crticial leadership skills for those interested in taking a major role in shaping policy and making a difference. We look forward to seeing these REALTORS速 putting those leadership skills to use.

Congratulations to our future leaders for completing the Leadership Academy L200 and L300 courses!

Back row from left: Stanley St. Hilaire, Bob St. Gordon, Bechy Chirillo, Nancy Patrica Gracia, Diamela Atencio, Elsa Dilone, Indrid Irizarry, Front from left: Gustavo Guimares, Olga Rocio, Forero, Alba Alvarado, Patricia Miller, Maria Flores-Garcia, Aracelly Santana, Carol Platt, Beverly Rodriguez

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Welcome to OSCAR,

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New Members!

Business is improving and more and more people are deciding to take the plunge into the real estate industry. Our New Member Welcomes just keep getting bigger and bigger!

Welcome new REALTORS®! Here’s wishing you much success in your new career!

June’s New Members April’s New Members

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Osceola WOMAN Newspaper

85%

TM

of ALL consumer purchasing decisions are controlled by women.

Start reaching your target buyers today!

407-891-9771 www.osceolawoman.com

Global News

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GOING GLOBAL

MEDIA CONTACT: Shelley Freeman

PHONE: 407-392-4616

I have been working in the ‘global’ market all of my real estate career, about 11 years now, I also owned vacation homes in Kissimmee before I moved to the US. I predominantly work with foreigners purchasing second homes that are zoned for short term rental. Most homeowners vacation at the property for a couple of weeks a year and then offset carrying costs by renting the property to other vacationers for the remainder of the year.

If you are going to work in the real estate market with global clients you need to be educated, committed and get involved. Working with international clients requires a completely different skill set than selling primary residence.

There are 5 key steps to being successful in this type of market: 1.

2.

Learn and become educated about global business and working with international clients.

Knowledge - staying educated and up-to-date

3.

4.

5.

EMAIL: shelley@frontlinefloridarealty.com

with current market conditions.

Identifying, targeting and understanding your audience.

Effective communication, branding, marketing and promotion.

Referrals and repeat customers through loyalty and trust.

STEP ONE - Learn and become educated about global business and working with international clients.

There are numerous courses that you can take with the National Association of REALTORS® (NAR), to become educated and certified in global business and international clients for example: • The Transnational Referral Certification (TRC®) – this course prepares real estate professionals to make and receive compensated referrals using the transnational referral system developed by the

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“Crucial subject areas to learn about are: VISAS, cultural etiquette, money transfers, Foreign National Loans, lending regulations, effective marketing methods and channels, wills/probate and tax implications.”

International Consortium of Real Estate Associations – ICREA. • Certified International Property Specialist (CIPS®) Certification - no matter which international audience you cater to, the Certified International Property Specialist (CIPS®) Designation will provide you with the knowledge, research, network and tools to globalize your business.

• At Home With Diversity Certification (AHWD®) – this course will help you to learn diversity sensitivity, how to apply fair housing laws in your business, and ways to develop professional guidelines for working with people in the increasingly multicultural real estate market.

• The Resort and Second-Home Property Specialist (RSPS) – this course is for REALTORS® who specialize in buying, selling, or management of properties for investment, development, retirement, or second homes in resort, recreational, and/or vacation destinations.

What do I need to know?

Crucial subject areas to learn about are: VISAS, cultural etiquette, money transfers, Foreign National Loans, lending regulations, effective marketing methods and channels, wills/probate and tax implications.

It is important to align yourself with professionals within these area of expertise. Work closely with them, build a relationship, and let them see your impeccable work ethic/method, so that they are confident in sending you leads/referrals.

Learn from the best!

Once you’re educated and ready to start building your business, the next step is to find a coach who will work alongside you and be your mentor. Obtaining your Certified International Property Specialist’s (CIPS®) designation, provides you access to the membership book to help you locate other CIPS® professionals. A coach must be someone who is experienced and successful in the short term rental market.

STEP TWO – Knowledge, staying educated and up-to-date with current market conditions.

Staying up-to-date is essential, some of the ways you can become educated and remain educated, is to: • Join global committees or forums, such as; your local board’s Global Committee, the Global Networking

Forum or Florida Realtors® Global Business Committee.

Commitees and forums are open to everyone and offer great educational and networking events.

• Read Florida Realtors® global articles, available both on their website and magazines.

• Attend NAR and Florida Realtors® global conventions to meet other Realtors working in the global market.

• Go on trade missions. Trade missions are international trips organized by agencies/associations for the purpose of exploring business opportunities and seeking out potential buyers and sellers.

STEP THREE - Identifying, targeting and understanding your audience. Who is your target audience?

So, you’ve educated yourself, you’re certified and joined a committee, the next step is to define your target audience and establish your specialty.

My target audience is working with foreign sellers, specializing in listing their homes for sale, within the Greater Orlando areas.

Your specialty could be working with foreign investors, helping them locate short term rental, income baring properties for purchase. Whatever your specialty, the key is to have a sound understanding of your audience and target your efforts towards excelling in that area.

Understanding your audience Your consumers are unlikely to be in your time zone, so be prepared to do business at all hours. They also may not share the same public holidays as you so don’t be surprised when you end up answering the phone at 11.00 pm on Christmas day.

Gain an appreciation for their culture, customs and business practices, Learn the right ‘lingo’ and business terminologies. Even if you’re dealing with another English speaking country, words and customs are not the same and so it is important to educate yourself to avoid offending and insulting clients. For example, a thumbs down gesture is offensive to persons from Quebec, as is talking with your hands in your pockets.

Needs and Wants International client’s time in the USA is usually time sensitive, and so it is of vital importance that you

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understand to your client’s key requirements and show them properties that meet those requirements. There is nothing more frustrating for a client when time is wasted viewing properties that simply doesn’t meet their needs.

Establish their needs by asking questions, such as: Is this for an investment, second home or a permanent residence? Guide them through the process by bringing to their attention the professional products and services they may need such as opening a bank account, immigration lawyers, money transfer services – direct them to the business contacts with whom you have built a trusting relationship, through their track record. Your contacts will value your business, your client will appreciate your recommendation and you in turn could earn future referrals from both your contacts and your client.

STEP FOUR: Effective communication, branding, marketing and promotion.

Branding yourself as an ‘International Specialist’ is the first step is towards marketing your business. If you have an international certification, designation or are member of a committee or board, don’t forget to include that too.

Be sure to include this information on all marketing tools, such as your business cards, flyers, website, social media etc. It shows you are invested, educated and experienced in working with foreign clients.

If you are targeting your marketing efforts towards a specific geographic location that is not English speaking, be sure to offer marketing materials in their native tongue. A strong presence on social media sites is key. Not only will this make you accessible to people 24/7, it is an effective viral marketing tool that is FREE! Website are a must in this day and age, ensure you have a website that speaks to your target audience. You want to make sure your site is developed with keywords that will allow you to reach your target market through search engines. You may want to consider creating an additional website that is written in your targets native tongue that has a web address that is specific to the country, for example: .co.uk for the uk, .ie for Ireland etc.

STEP FIVE: Referrals and repeat customers through loyalty & trust An essential component for success in this industry retaining your clients through loyalty and trust. It is a known fact from a marketing perspective, that it is easier and cheaper to retain an existing client than it is to locate a new client through regular marketing methods. Building trust with your clients, through knowledge, clearly defining your clients’ needs/wants, effective communication and flawless, first class service is the only

way to receive the ultimate compliment of repeat business and referrals.

Referrals are a very powerful tool in my business, yourself as an approximately 85% of my business is referrals and Specialist’ is the repeat consumers. first step towards

Branding ‘International

marketing your

business.

You may wish to join a referral organization. I can suggest the Paris based International Real Estate Federation or the Association of Mexican Real Estate Professional which is affiliated with NAR. We have many local Chamber of Commerce’s that will be an effective source of referrals. If you work for a franchise then you may be able to affiliate yourself with one of your overseas counterparts.

If you are a broker looking to set up or expand your global division, the key to success is to hire someone that is passionate and has the knowhow. Look for someone with designations, closed transactions. Look for people who are bilingual or ex pats. To build team knowledge urge agent to get designations, and have meetings with the core group of experts you will need to make the transaction with, lawyers, accountants, so they can explain their involvement. Make lasting friends to help build a referral network.

To surmise, In order to succeed you must: • • • • • • • •

• •

•

• • • • • •

Assess your personal skills and background.

Educate yourself Pick a target Study your local market Reach out to other professionals Understand foreign business practices Earn designations Use the resources on hand from Florida Realtors and NAR Become an expert Promote yourself – utilize the most effective tools to reach your target audience.

Perfect your communication – face-to-face, telephone and written.

Travel to your target market Participate in trade missions Cultivate outbound referrals Build loyalty and trust with your clients Make buyer feel at home Continually remain educated with current market conditions

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THE VALUE

realtors® CONTRIBUTE TO OUR COMMUNITY: WINNING ESSAYS

This past Spring, OSCAR awarded 6 $1000 dollar scholarshps to Osceola County High School Students.

These students were asked to write an essay around the theme - “The Value REALTOR® professionals Contribute to our community. The winners of these awards are: Jasmine Haddaway, Logan Clemons, Diana Lacatusu, Alessandra Capobianco, Junstin Baba, and Stephanie Baur. The association would like to congratulate these high school seniors on writing outstanding essays and being chosen to receive these scholarships. It is our great hope that these students will be able to use this money to fund bright futures.

Here are the winning essays for your reading pleasure.

REALTORS® are mondern-day fairy godparents. When a family is interested in buying or selling a home, REALTORS® are usually the first to be called. They act as intercessors, working behind the scenes to find a family’s dream home and negotiate a realistic price, yet still maintain an honest, knowledgeable demeanor. Their job is not easy, but it certainly is important. On a larger scale, REALTORS’® most important job is contributing to a city’s growth by promoting homeownership and property development.

I constantly see the impact of REALTORS® through my neighborhood and am proud to know that they are working to help foster vibrant, active communities. Their sales contribute to an influx of new neighbors, which adds to the diversity and unique characteristics that constitute a neighborhood. Land development will also provide new residences or businesses for the community, which will further enhance the social and cultural atmosphere there. In my own neighborhood, Happy Trails, REALTORS® have brought in neighbors from England, Brazil, and Japan, which have contributed to the distinct sense of community that can be found there. Furthermore,

REALTORS® enhance the local economy through home and property sales. The taxes and other fees that are included in the final price of the home may be county or state taxes that will eventually be used ine local economy once again. In addition, new homeowners will certainly contribute to the economy by purchasing goods or services from local businesses.

REALTORS® play an important role in maintaining and increasing the quality of life in communities worldwide. Their sales contribute to the social, cultural, and economic characteristics of a city and add to the overall well-being of citizens.

- Jasmine Haddaway of Celebration High School.

REALTOR® professionals contribute a great deal to our community. Their contributions to our community include the benefits of personal homeownership and also how our economy benefits from commercial real estate. REALTORS® follow an ethics code strictly maintained by the National Association of REALTORS®, making their profession one of great value and certainty.

We rely on our REALTOR® professionals everyday. The building we do our grocery shopping in, the property that our schools are built on, and most importantly, the house we come home to every night are all dealings of the real estate world. REALTOR® professionals have a very important job, helping prospective homeowners find their own home. Most new homeowners are uneducated on the dealings and workings of the real estate community. That is when a REALTOR® professional would be of assistance and there to offer professional advice and serve as an objective insight in this time of a life altering decision.

In addition to the crucial roles REALTORS® play in personal

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homeownership, REALTOR® professionals also contribute a great deal to our community through the economic impact from commercial real estate. Every year, commerical real estate brings in billiions of dollars in to our local economy.

This enormous contribution impacts everyone, from the small business on the corner to the large franchises on every corner that is all because of the dealings with REALTOR® professionals. Logan Clemons of Osceola High School Puzzles. Hundreds of pieces, piled on top of each other.

They know that with one of them gone astray, their puzzle would be impcomplete. Our community is the puzzle, and REALTOR® Professionals represent a puzzle piece. It is that one piece that most people often overlook because they wrongly undermine its salience. This piece looks miniscule to others in comparison, but without it, the community would be incomplete.

That being said, the question remains, “How do REALTORS® improve a community?” Whether it is industrial and office brokers, land developers, property managers, or real estate counselors, all REALTORS® have nothing but positive effects on any community.

Many argue that REALTORS® are unnecessary, and that they only try to rob house buyers of more money. What most people do not realize, however, is that they actually contribute greatly to the economy by boosting employment rates.

This provides members of the community better lifestyles by awarding them with more job opportunities and more money. In addition, real estate agents allow individuals to purchase houses at a price most benefiical to them, without having to spend a substantial amount of time - thus increasing convenience and preventing the hands on the clock from tick-tocking too far.

Therefore, because of the effects they have on the economy, it is crucial to understand that REALTORS® despite people’s common misinterpretations - play a key role in constructing a flourishing community. They complete the puzzle - Diana Lacarusu of Celebration High School No matter what the circumstances are, the purcahse or sale of a home marks a milestone in someone’s life. Whether it is the end of a chapter or the beginning of a new one, the structure was just a building until a REALTOR® worked to find the right kind of person or people that would call that place home.

Nowadays, homelessness is prevalent, even in our community. even though circumstances are different in every cast, everyone should be able to find a home suitable to their needs and situation. The show, House Hunters, on HGTV has always been intriguing. Although only three possible homes are shown, I have wondered as to just how many choices the featured “house hunters” choose from.

The REALTOR® is invlauable to the search and is alongside the “hunters” from day one. He or she works to ensure that each possible home has characteristics sought out by the “hunters”. REALTORS® provide a certain service that normally individuals cannot access. With a certain persona, they can offer homes and present them in such a fashion that makes the buyers want to live there. Using their people skills, an empty room can be imagined as a baby nursery or an amazing living room with an open floor plan for parties, making the buyers take into account the possibility

of actually making that their home. With information only REALTORS® are privy to, they can utilize their connections and network to bring the idea of home to everyone.

- Alessandra Capobianco of Gateway High School REALTOR® Professionals are monumental individuals that establish a growing, thriving community. With their assistance and guidance, a family is able to move into a home that encompasses all of the features wanted. By continuing this service to people interested in buying or selling a home, REALTORS® add value and business to a community, contributing to economic growth. Specifically, my family moved into our current home at the end of 2004. Confused and frustrated on where to find a new ideal location, my family contacted a REALTOR® who made our transition very seamless, valuable, and convenient. At the tme, construction was rampant here at our new location in southern Kissimmee.

Within a few years, hundreds of homes were built, creating and developing a stable, positive, local economy with many businesses. Recently, a WaWa and Family Dollar were incorporated into our community, illustrating the success of valuable REALTORS® who are experienced in their field and know where the future of economic growth lies. In addition to the increased business development in our new area, REALTORS® have also benefited our shift by allowing my aunts, uncles, cousins, grandparents, and family friends to commute to our home more often, bringing our family closer together and ensuring an imcomparable advancement in our lives. Our family holds REALTORS® to a high status and level of honor because they truly enjoy their job and want to provide the most exceptional care and service they can to their customers. Without them, families will struggle with this life-changing decision. - Justin Baba of Gateway High School The right to own property is something that America has championed since its founding. It is the buildng block of equality. Immigrants who came to America had an opportunity to own property for the first time in their lives.

Previously, in Europe, the only people who owned property were the artistocracy, who then leased out land to the working class. There was no room for social mobility, no real chance to improve one’s lot in life. The right to own property gave birth to the American Dream.

However, just because one has the right to own property does not necessarily mean they have the means to exercise this right. The acquisition, sale, or proper utilization of a piece of property can be complicated and expensive. This could have led to another form of social division in Amerca, with only those who had notable wealth or extensive education being able to acquire property of their own.

Thankfully, someone stepped up to level the playing field: REALTORS®.

REALTORS® are professionals who agree to abide by a strict code of ethics and to work to a higher standard. Their business is to help people make educated and economical decisions during property transactions. Now everyday Americans on a budget with limited business education can confidently buy property without fear. Young couples can have a house to start a family, and independet business people can make their dreams a reality. REALTORS® secure the American Dream. - Stephanie Bauer of Harmony High School

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Tech Tips

RPR

The realtor’s® property resource MEDIA CONTACT: Nannette Cherry

PHONE: 407-846-0117

Since its release last year, RPR, NAR’s REALTOR’s® Property Resource, has proved to be a valuable tool for members. What does it do? It provides an easily accessible platform for realtors to gather comprehensive data, powerful analytics, and dynamic reports from anywhere they have internet access. What is special about this platform is that it is 100% owned by REALTORS®.

It exists to provide REALTORS® with the data necessary to meet their clients’ demands. Not only is it owned by REALTORS®, it is available exclusively to REALTORS®.

There is no third party or public access available. And best of all, it’s FREE to REALTORS®. This special feature is paid for as part of your yearly dues, so there are no further costs to you to take advantage of all RPR has to offer.

RPR has tools for Agents, Brokers, Commercial, and Appraisers, so regardless of where you fit in the real estate scheme of things, there is something for you to make your job easier and more efficient.

Agents As an agent, you have 160 million properties available to search at your fingertips. All properties nationwide are listed within RPR, giving you the ability to search outside your local market. RPR includes useful maps and data for your clients. School attendance zones, FEMA flood maps, thematic maps, heat maps, and demographic information are all available to you, in one place, saving you the hassle of visiting numerous other sites. These reports, with their speed and ease of use, are among the best in the business. The features and tools of RPR are designed to be user friendly and improve productivity.

This platform was made by REALTORS® for REALTORS®, so REALTOR® concerns were taken into account during the creation of this product. For video tutorials on learning how to use RPR, go to: http://blog.narrpr.com/ specialty/agent/

Brokers RPR is for Brokers, too! The RPR Broker Tool Sets offer brokers and office managers a custom-branded site and custom branding on each report generated by agents.

With the RPR Broker tool, you can research market

EMAIL: nan@osceola-realtors.com

trends across several MLS’s, compile reports, and measure productivity against the market, or within your own company. And you can feature Affiliated Services on your branded RPR site, as well as your branded RPR reports which get presented to clients. This helpful video will demonstrate how RPR can assist you in your sales meetings: http://blog.narrpr.com/learning/ssalesmeeting-modeule/

Commercial Commercial REALTORS® will save time and money by using RPR. The demographic, psychographic, and spending data information helps your find the right customers for your business. Find the best location for a business as well, through analysis on spending data within a drive time, radius, or general area. This tool will allow you to receive data in chart format indicating which types of businesses are over and under-represented within a specified area. With RPR’s Thematic Maps, you can view demographic information in a specific area, select points of interest, and review sales volume for businesses. Comprehensive Reporting will allow you to provide your client with premium reports in no time! Your client can have access to detailed trade area reports, business opportunity charts, or a property report.

Appraisers Appraisers will find the Sales Comparison Analysis and Valuation Workbook a useful tool to help create in-depth reports which used advanced analysis and property valuation best practices. Terminology through this feature correlates to the Uniform Appraisal Dataset (UAD), a component of the Uniform Mortgage Data Program (UMDP), which has been established by Fannie Mae and Freddie Mac. You’ll be able to easily adjust and weight each comparable property and compare pricing with extended property facts, and create a custom workbook of timely data comprised of market trends, general market health, inventory and comparable analytics and enhanced detail pages for comparable properties. Get started with RPR today! To start an account, go to http://blog.narrpr.com/get-started/. And once there, click on the training link to check out webinars to help you use this resource to its full potential.

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G Ne In et w s t Yo Cu al ur st le F o d ir m fo st er rF P s RE os E! t

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REVIEWTRENDS

028

MARKET

OSCEOLA COUNTY

DYNAMICS 2 years (monthly) - 5.1.12 to 5.31.14 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 7.28 Monthly % .32 Total Change 174.68 Total % Change 7.72

FOR SALE 7.7%

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month’s supply of inventory (sold calculation) Monthly Change 0.01 Monthly % 0.23 Total Change 0.28 Total % Change 5.43

MSI SALE 5.4%

median price (sold) low, high, average, median Monthly Change 2,324.93 Monthly % 2.06 Total Change 55,798.36 Total % Change 49.5

FOR SALE 49.5%

OSCARAFFILIATES

030

professional

affiliates ADVERTISING/ PUBLICATIONS Guide To Homes, Inc. Rhonda Rogers 7810 Gall Blvd # 309 Zephyrhills, FL 33541 T 813-928-1885 guidetohomes@gmail.com

The Pappas Group Peter Pappas 4798 New Broad Street Suite #210 Orlando, FL 32814 T 407-648-2555 F 407-264-6580 ppappas@pappaslaw.com www.pappastax.com

Osceola Woman Newspaper Kena Blain P.O. Box 701509 Orlando, FL 34770 T 407-891-9771 F 407-891-0145 kblain@osceolawoman.com www.osceolawoman.com

The Pappas Group Julie Pappas 4798 New Broad Street Suite #210 Orlando, FL 32814 T 407-648-2555 F 407-264-6580 jpappas@pappaslaw.com www.pappastax.com

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

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

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

ATTORNEYS CPCLaw Charles Castellon 14129 Town Loop Blvd, Suite 200 Orlando, FL 32837 T 407-851-0201 F 407-851-9411 ccastellon@centralflattorney.com The Law Office of Charles E. “Gene” Moore, JR., P. Gene Moore 8 Broadway Avenue, Suite 109 Kissimmee, FL 34741 gmoore545@yahoo.com T 407-460-1370 F 407-264-8278 gmoore545@yahoo.com Law Office of Daniel Villazon, P.A. 1420 Celebration Blvd.

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

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

FINANCIAL SERVICES/ INSTITUTIONS BB&T Glen Spears 255 S Orange Ave, Orlando, FL 32801 T 407-241-3557 F 407-563-4024 gspears@bbandt.com BB&T Edwin Oquendo 2710 N. Orange Blossom Trail Kissimmee, FL 34744 T 407-401-3950 F 407-870-9895 eoquendo@bbandt.com

BB&T Katerine Navas 2710 N. Orange Blossom Trail Kissimmee, FL 34744 T 407-452-0598 F 407-870-9865 knavas@bbandt.com BB&T Denitza Guenova 7208 W Sand Lake Rd. Orlando, FL 32819 T 321-354-9601 F 407-345-5240 dguenova@bbandt.com Butler Mortgage Barbara Bowling 1012 W. Emmett Street, Suite B Kissimmee, FL 34741 T 407-931-3800 F 407-931-3801 bblowling@butlermortgage.com

Butler Mortgage Harry Urban 1012 W. Emmett St, Ste B Kissimmee, FL 34741 T 407-931-3800 F 407-931-3801 hurban@butlermortgage.com Centerstate Bank of Florida, N.A. Scott Johnson 920 North John Young Parkway Kissimmee, FL 34746 T 407-847-3800 F 407-847-8482 sjohnson@centerstatebank.com Currencies Direct International Chris Doran 4700 Millenia Blvd., Ste. 175 Orlando, FL 32839 T 407-900-2174 chris.d@currenciesdirect.com www.currenciesdirect.com Guaranteed Rate Ivan Duarte 7125 Turner Rd, Suite 101 Rockledge, FL 32955 T 321-609-0789 ivanduate@guaranteedrate.com www.guaranteedrate.com/ ivanduarte Moneycorp Kelly Cutchin 7380 W Sand Lake Rd, Ste 410 Orlando, FL 32819 T 407-352-5890 F 407-352-5893 kelly.cutchin@moneycorp.com www.moneycorp.com/usa

Movement Mortgage Jason Parris 66 Riley Rd, Ste B2 Celebration, FL 34747 T 407-764-7344 F 804-477-1463 jason.parris@movementmortgage.com www.movementmortgage.com/ jason.parris 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 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

Qubty Financial Group

David Qubty 7680 Universal Blvd., Suite 405 Orlando, FL 32819-8998 T 407-370-3030 F 407-370-2040 dqubty@qubtyfinancialgroup.com

Qubty Financial Group

Sami D. Qubty 7680 Universal Blvd., Suite 405 Orlando, FL 32819-8998 T 407-370-3030 F 407-370-2040 dqubty@qubtyfinancialgroup.com Trustco Bank Sarah Near 1525 East Osceola Pkwy Kissimmee, FL 34746 T 407-932-0398 F 407-932-0719 snear@branch.trustcobank.com trustcobank.com

Waterstone Mortgage Adriana Lopez Pardo 2699 Lee Rd. Ste 480 WinterPark, FL 32789 T 407-645-6386 F 407-628-2609 alopezpardo@ waterstonemortgage.com www.waterstone-fl.com Wells Fargo Home Mortgage Cliff Frohn One Home Campus Des Moines, IO, 50328 T 515-213-6500 F 515-213-6102 mlsmemberships@wellsfargo.com wellsfargo.com

OSCARAFFILIATES

031 trpc19@yahoo.com

HOME WARRANTY 2-10 Home Buyers Warranty Cameron Foster 1900 Jake Street, Suite 109 Orlando, FL 32814 T 407-473-1972 cfoster@2-10.com First American Home Warranty Corp Bobby Jo Justice 3239 Lorimar Lane St Cloud, FL 34772 T 407-902-5237 bjustice@firstam.com Home Warranty of America Tammy Birchler PO Box 850 Lincolnshire, IL, 60069 T 888-492-7357 ext. 424 tbichler@hwahomewarranty.com

INSPECTION SERVICES Budget Services, Inc. Ed Hogan 3617 Crosley Avenue St Cloud, FL 34772 T 407-892-8811 F 407-892-8516 budgettermite@earthlink.net budgetservicesfl.com FirmFoundationsHomeInspections,Inc. Aubrey Kahn 2200 Sylvan Court Kissimmee, FL 34746

T 321-624-0254

akahn.firmfoundations@gmail.com tophomeinspection.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 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 Wayne Home Inspections Wayne C. Glover 1533 Trumbull Street Kissimmee, FL 34744 T 407-935-1127 F 407-935-1483 wayne.glover@netzero.net wayneshomeinspection.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

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 Fidelity National Title of Florida Leslie Zimmerly 7208 Sand Lake Rd Orlando, FL 32819 T 407-314-6329 F 407-370-0029 leslie.zimmerly@fnf.com www.fidelitycfl.fntic.com First American Title David Counselman 1101 Miranda Lane, Suite 101 Kissimmee, FL 34741 T 407-516-9327 F 866-722-5957 wcounselman@firstam.com www.firstam.com First International Title Shelly Dukes 1101 Miranda Lane, Suite 105 Kissimmee, FL 34741 T 321-443-6901 F 866-350-3338 shelly.dukes@firstintitle.com Final Negotiations, LLC. Rhonda Owen 1201 Emmet Street Kissimmee, FL 34741 T 407-846-0978 rowen@stewart.com

HIG Insurance Group Chase Herbig 890 E. State Road 434 Longwood, FL 32750 T 407-920-1115 F 407-260-0216 chase@hhig.com www.callhig.com

Heritage Park Inn Mary Rivera 2050 E. Irlo Bronson Memorial Highway Kissimmee, FL 34741 T 407-846-4545 F 407-923-2268 maryriv65@gmail.com

Integrity First Title Betty M. Dobbie 908 Mabbette Street Kissimmee, FL 34741 T 407-846-4500 F 407-846-4533 bdobbie@integrityft.com

Mr. ReKey Lock smith Daniel Lewis 1014 Webster Ave Orlando, FL 32804 T 407-207-0272 F 866-204-1717 Daniel@rekey.com www.rekey.com

Newcastle Title Services Tammy Lynn Dietz 12 S Clyde Avenue Kissimee, FL 34741 T 407-518-1008 F 407-218-5057 tammy@newcastletitleservices.com www.newcastletitleservices.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 Approved Title, Inc. Becky Sheive 1201 Emmett Street Kissimmee, FL 34741 T 407-846-7477 / F 407-846-6573 bsheive@stewart.com Stewart Approved Title, Inc. Rayelynne Ketchum 1201 Emmett Street Kissimmee, FL 34741 T 407-957-9000 F 407-957-8055 rwoeste@stewart.com

OTHER SERVICES Arnotts Furniture & Auction Gallery James Arnott 9230 W. Irlo Bronson Hwy Clermont, FL 34714 T 407-401-9893 auctionsbyjames@yahoo.com www.auction.smugmug.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 Fanatical Cleaning Services Adriana Restrepo 239 Glowing Peace Ln Orlando, FL 32824

Punta Cana Restaurant Tito Arias 2050 E. Irlo Bronson Memorial Hwy Kissimmee, FL 34744 T 407-935-9020 puntacanaresta@aol.com Systeco Pest Control Cesar Vergara 25800 N. CR 426 Oviedo, FL 32765 T 407-832-9124 admin@systeco.com www.systecom.com Unidos Supermarket Jose Toribio 1200 Simspon Rd Kissimmee, FL 347414 T 407-962-0028 F 407-962-0020 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 RealtorsŽ 1105 Shady Lane • Kissimmee, FL 34744

quelin

welcome new

members

Tim Akkerman - KAT Realty & Property Management, LLC Vivianne Almeida - Drim Properties Francisco Andino - Keller Williams at the Lakes Nicola Ansons - Watson Realty Corp Magda Arenciba - Florida Realty Team of Central FL Ronald Astorga - Coldwell Banker Acker Realty Prisila Bereton - Urban Square Realty Inc Victor Berrios Cermeno - For the People Realty, LLC Saquib Bhatti - Prudential Results Realty Christian Bohyn - RE/Max Market Place Phounsompasong Bounsanga - Coldwell Banker Ackley Realty Angela Bowles - Prudential Results Realty John Box - Weichert Realtors Hallmark Pro Kevin Brady - Contempo Real Estate, Inc. Tanya Brinson - Southern Dunes Realty Robert Bussiere - Coldwell Banker Acker Realty Eliza Butler - Coldwell Banker Acker Realty Maireddy Butron - Rockrose Realty David Colon - La Rosa Realty LLC Susan Cook - Century 21 Metro Lifestyles Amarilis Cuevas De Luca - Tom Real Estate Ron Dearing Jr - Celebration Real Estate Group Melissa Diaz - Weichert Realtors Hallmark Pro John Ellward - Celebration Real Estate Group Martha Fazio-Carter - RE/Max Market Place William Fernandez - FDV Investment Realty Yumeris Fernandez - Empire Network Realty Inc. Elvin Garcia - La Rosa Realty LLC James Gilbert - Keller Williams at the Lakes Dalvin Gonzalez - Keller Williams Classic II Realty Michael Graham - Coldwell Banker Residential Real Estate Tiffany Greer - DeNike Realty and Property Management, LLC Daniel Haggerty - Berkshire Hathaway Homeservice Florida Realty Rebecca Harner - Century 21 Metro Lifestyles Tom Harris - Changing Latitudes Real Estate Services, LLC Rebecca Hill - Hamilton Realty Gabriella Hutchinson - Luxury Realty, Inc. Jose Jiminez - Tom Real Estate Ralf Klug - Rockrose Realty Robert Kneeland - OneRes International Realty Elizabeth Lugo - Transcontinental Realty Group Zhongxin Ma - Golden Sun Realty, Inc. Pedro Martinez - Empire Network Realty, Inc. Wendy Mastera - Watson Ralty Corp Jacob Meyer - The New Home Spot, Inc. Raymond Moore - Prudential Results Realty Javier Moreira - Coldwell Banker Acker Realty Lucia Munoz - WF Realty Corp Benito Pellerano - Keller Williams Classic II Realty Paul Percent - Premiere Signature Properties Inc Paul Phillips - Weichert Realtors Hallmark Pro Angie Pineiro - Keller Williams at the Lakes Annette Portalatin - Keller Williams Classic II Realty Enrique Pregigueiro- Century 21 All Homes & Property Celismar Rangel - Tom Real Estate Jaime Rodriguez - J.P. Capital Realty Inc. Jacqueline Roe - DeNike Realty and Property Management, LLC Jose Saleta - Weichert Realtors Hallmark Pro Carolina Sanchez - Invest Realt Group, LLC Ryan Schmidt - Keller WIlliams Classic II Realty Tandy Sinor - Dynamic Realty LLC Juan Smaine - Weicert Realtors Hallmark Pro Krystle Smith - Keller Williams at the Lakes Almonita St Ville Roman - Paradise One Realty Penny Stokes Hilton - Orlando International Realty

James Tatterson - Keller Williams at the Lakes Manuel Torres - Homs Realty Group, Inc. Virgen Torres-Soto - La Rosa Realty, LLC Christian Velasquez - Bosco Realt Group, Inc. Exley Warren - Weichert Realtors Hallmark Pro May-Britt Woodward - Coldwell Banker West Realty

AFFILIATE

offices

American Latin Title Arnotts Furniture & Auction Shop Quinones & Oliver, P.L. RP Funding Systeco Pest Control