ReView Q4 2016

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

magazine 4TH QUARTER OCTOBER, NOVEMBER, DECEMBER 2016

Osceola ReView

5 Ways a New Website Can Help Your Business PAGE13

&

The International Buyer Profile Examined PAGE18

&

USING SMART HOME DATA IN REAL ESTATE PAGE22

THANKS,

MAJOR 2013 Awards

RPAC & Installation Luncheon DONORS!

Highlights PAGE15

WELCOMECONTENTS

002

WELCOME/ CONTENTS OCT, NOV, DEC 2016 news 4 5 7 9 15 18

13 22

OSCAR Community Involvement OSCAR Leadership Fourth Quarter AE Message Understanding Cooperative Compensation Thank You Major Donors!

The International Buyer Profile Examined

technology 5 Ways a New Website Can Help Your Business Using Smart Home Data in Real Estate Sales

events

10 October, November, December 2016 Calendar

14 New OSCAR Members 16 Photos from RPAC Auction

local trends

26

Market Dynamics

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How this year has flown by as I realized this is the final article for the year. Thank you for the opportunity to serve as your 2016 President and please offer a warm welcome to our incoming President, Wanda Linscott in January 2017.

The National Association of REALTORS® 2016 Conference and Expo is right here in our backyard November 4-7 and there is still time to register and I would encourage you to attend as there are always excellent education sessions, networking events and motivational speakers. It is also a great way to build up a referral base with your fellow professionals throughout the country. I hope to see many of you at the conference.

I am asking our members once again to please support RPAC and to make the minimum fair share contribution of $20 or more 2016 Board President, Jeff Perry if you prefer, as this is a vital component in advocating for our industry and in helping to protect private property rights. I realize that some may not care for politics and that we as a nation are very divided along political lines but this committee work transcends political parties and partisanship and truly helps us as REALTORS® protect our best interests and those customers and clients we serve. Help your industry to make a difference.

An important reminder that the election is on November 8th. Please exercise your constitutional right to vote and have your voice heard. It does matter and it is an important civic obligation we all have.

Again, thank you for allowing me to serve and it was my honor to lead such a great organization and we are truly blessed to have such an outstanding staff. Next time you are visiting at OSCAR, give them a thank you for all they do for us. Have a great last quarter and a successful 2017.

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

advocates team

MEMBERSHIP SERVICES: Crystal Lopez, e-Pro, AHWD, Crystal@osceola-realtors.com

CHIEF EXECUTIVE OFFICER / EDITOR: Carol Platt, CRB, e-Pro, AHWD, RCE T 4078460117 E ae@osceola-realtors.com

MEMBERSHIP SERVICES: Elvira Perez, e-Pro, AHWD, Elvira@osceola-realtors.com

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

nan@osceola-realtors.com

SOCIAL MEDIA: Nan Cherry, e-Pro, AHWD

COMMUNICATIONS: Nan Cherry, e-Pro, AHWD nan@osceola-realtors.com

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

MEMBERSHIP SERVICES COORDINATOR: Yohanna Cruz, e-Pro, AHWD yohanna@osceola-realtors.com

contributing writers

OPERATIONS DIRECTOR: Christina Barnhardt, e-Pro christina@osceola-realtors.com PROFESSIONAL DEVELOPMENT DIRECTOR: Cheryl Smith, RCE, CRB, CRS, PMN, GRI , AHWD cheryl@osceola-realtors.com SENIOR EXECUTIVE ASSISTANT: Jean Ramirez, e-Pro, AHWD jean@osceola-realtors.com GOVERNMENT AFFAIRS DIRECTOR: Joyce Malone, joyce@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 Digital or printed media packs available on request.

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

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

SUBSCRIPTIONS MANAGER: Nan Cherry, e-Pro, AHWD nan@osceola-realtors.com

www.Osceolarealtors.org

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OSCAR Cares

MAKING A DIFFERENCE

IN THE COMMUNITY

THE REALTORS® CARE COMMITTEE GIVES TO

THE OSCEOLA COUNCIL ON AGING

TO BENEFIT VETERANS

Members of the OSCAR REALTORS’® Care Committee are reaching out to the community to lend a helping hand. In their most recent endeavor, they have made a donation to the Osceola Council on Aging to benefit local disabled veterans who need assistance installing home modifications. These modifications will include the construction of wheel chair ramps as well as other updates to assist those with disabilities, such as widened doorways, lowered sinks and counter tops, and grab bars in bathrooms.

A check in the amount of $9,000 was presented to the Osceola Council on Aging which provides a number of social services to the elderly, disabled, and disadvantaged in Osceola County. The care and commitment to those who have served our country is a value shared deeply by both OSCAR and the Council on Aging. These planned home modifications can be done for as little as $2500 in some cases, and with this

donation, getting around home will be a little easier for at least a few veterans in need.

“Our veterans have made great sacrifices in service to us and our country, so it’s important for us to give back in some way,” stated Jeff Perry, Board President at the Osceola County Association of REALTORS®. “Our REALTORS® Care Committee is dedicated to making positive changes in our local community, and I’m happy to see that our county’s brave veterans are among those that our committee is reaching out to.”

If you would like to lend your support to the Osceola Council on Aging for this project or one of their many other projects designed to help the underserved in the community, you can visit their website at www. osceolagenerations.org/donate-and-support.

MAKING A DIFFERENCE

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IN LEADERSHIP VERONICA MALOLOS NAR VICE CHAIR

HOUSING OPPORTUNITIES COMMITTEE Veronica Malolos, a long-time member and former Director at OSCAR has been appointed by the National Association of REALTORS® to the position of Vice Chair on the Housing Opportunity Committee.

Veronica has been actively engaged in efforts to ease the access of homeownership across many fronts in her career as a REALTOR® member and leader at OSCAR. This Vice Chair appointment is just the recent in a long tradition of community outreach designed to alleviate homelessness in Osceola County. Among her achievements so far, she has spear-headed a recent effort to deliver new crock-pots to homeless families living out of hotels so that they may benefit from home cooked meals instead of having to dine off of unhealthy fast-food fare. She has worked as a long-time local government appointee and vice-chair of Osceola County’s Affordable Housing Advisory Committee, playing a part in decision making for local housing programs and grants. And, she most recently has been appointed as an incoming chair of the Florida REALTORS®’ Workforce Housing Committee.

When not serving on committees, she continues to extend her helping hand by renting out a personal property through the Rapid Rehousing Program which helps disadvantaged families get back on their feet, showing her deep commitment to ameliorating the homeless situation in the area.

In addition to serving on the Housing Opportunity Committee, she will also have a role on the NAR Housing Opportunity Grants Review Committee where members consider applications from REALTOR® Associations nationwide for the specific purpose of furthering affordable housing in their communities. Commenting on her recent appointment to Vice Chair of the Housing Opportunity Committee, Veronica said, “I bring my passion and my experience to this great effort. I am proud to be a respected resource for my local and state affordable housing partners. I look forward to working with our members as part of the 2017 leadership.”

TIM WEISHEYER

FLORIDA REALTORS’® DISTRICT 12 VICE PRESIDENT Board Director and former President Tim Weisheyer has been elected as District 12 Vice President by the Florida REALTORS® state association. In this position Tim will play an integral role in fulfilling Florida REALTORS’® mission – To be the voice for real estate in Florida.

As District VP, Tim will serve as the chair at District Meetings during the Mid-Winter Business Meetings, participate in District VP Information Exchange Meetings, serve as a member of the Nominating Committee, and participate in the CEO Symposium and other events like Great American REALTOR® Days, where REALTORS® meet with legislators to advise them on real estate friendly policy.

District VPs are expected to relay info on Florida REALTORS® programs, projects, and policies to district members through local associations, and in this role Tim will work with Association Executives and Board Presidents to create a working team relationship, establish and maintain communication, and offer assistance to reach established goals. In addition to serving on the OSCAR Board of Directors and filling the role of District 12 VP, Tim has also recently secured another term with the Osceola County School Board.

“Tim has always been ready to step up as a volunteer leader,” noted Carol Platt, CEO at the Osceola County Association of REALTORS®. “He shows an unwavering commitment to making positive change in any role he steps into, and will shine as a District 12 VP for Florida Realtors.”

OSCAR Members are in attendance at the Florida REALTORS® Leadership Academy!

Wanda Linscott and John Goldsborough are pictured here with other attendees.

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OSCAR

4TH QUARTER ASSOCIATION

EXECUTIVE MESSAGE INNOVATION ADVANCEMENT & ENH ANCEME NT

MEDIA CONTACT: Carol Platt

PHONE: 407-846-0117

IF IT’S IMPORTANT TO YOU, IT’S IMPORTANT TO US! Moving into the final quarter of 2016 as a professional association is exciting, satisfying and gratifying.

If three words could sum up the planning that was put into place by our 2016 Leadership it would be; Innovation, Advancement and Enhancement! OSCAR is committed to delivering value to our members and willing to originate and create beyond NAR’s “core compliance” service delivery to do so. While we are on target for our three year (20162019) strategic plan, reviewing the sheer number of successful initiatives this year has been eye opening. In 2016, we have: • Established an Ombudsman Program • Increased a Mediation Program • Held a Leading with Diversity Workshop (NAR, Osceola WCR, NAHREP) • Held Networking Partnership Events with the St. Cloud Chamber, Osceola WCR and NAHREP • Offered Spanish Language Classes

2016

EMAIL: ae@osceola-realtors.com

• Formed a My Florida Regional Multiple Listing Technology Task Force (the only one of its kind currently) to provide valuable feedback and assessment from the end users’ perspective to our Board of Directors and our MLS • Appointed our first NAR Director in 10 years • Offered a free Certified Real Estate Brokerage Manager course to our broker members • Completed the development of a Certified Real Estate Professional Program toward improving competency and professionalism to increase associate and brokerage bottom lines • Held Broker Lunches and Breakfasts for direct, personal feedback from our broker members • Sponsored and Participated in the first Landlord Partnership Breakfast with Osceola County and Community Hope • Sponsored and Participated in a Housing Opportunity Workshop with community stakeholders to learn about Community Land Trusts

I cannot say enough about the tremendous work of our committees to deliver maximum benefits to our members: REALTORS® Care

OSCAR CEO, Carol Platt

Committee, Broker’s Committee, Professional Development Task Force, MFRMLS Technology Task Force, Professional Standards, Grievance, Global Alliance, and REALTORS® Political Action Committee. We have a great deal of involvement, engagement and influence by committed volunteers to guide us, strengthen us, and deliver value to you, our members.

I have had the wonderful opportunity this year to work together with people committed to our profession and our community. Join us, share with us and help us innovate, advance and enhance our service to you!

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UNDERSTANDING COOPERATIVE COMPENSATION MEDIA CONTACT: BRUCE AYDT

Q. I am representing a buyer for a property listed in my MLS. The full-price offer my client submitted was countered, and the listing agent lowered the cooperative compensation listed in the MLS by half a percent. I made a copy of the MLS listing showing the cooperative compensation when the offer was first submitted. What is the rule on making changes to cooperative compensation after a purchase offer has been submitted?

A. Changes in cooperative compensation are covered

by Article 3 and Standard of Practice 3-2. However, it’s worth keeping in mind that sharing commissions, as opposed to the details of cooperation, is not itself an ethical obligation. Article 3’s duty requires that “REALTORS® shall cooperate with other brokers except when cooperation is not in the client’s best interest.

The obligation to cooperate does not include the obligation to share commissions, fees, or to otherwise compensate another broker.”

Standard of Practice 3-2 provides direction on how and when cooperative compensation can be changed, both to be effective and to determine whether a violation of Article 3 might have occurred. “Any change in compensation offered for cooperative services must be communicated to the other REALTOR® prior to the time that REALTOR® submits an offer to purchase/lease the

EMAIL: ethics@realtors.org

property. After a REALTOR® has submitted an offer to purchase or lease property, the listing broker may not attempt to unilaterally modify the offered compensation with respect to that cooperative transaction.”

While an ethics or arbitration hearing panel would make the decision, it seems clear from your situation that the change in cooperative compensation made by the listing broker after you submitted the purchase offer would not change the amount you were already entitled to in this transaction. It also seems that the listing broker attempted to unilaterally lower the offered compensation and would be in violation of Article 3.

Once you have submitted the offer to purchase, the cooperative compensation in that transaction can’t be changed without your agreement. That understood, it’s equally important to remember that simply asking selling agents if they’d be agreeable to renegotiation of the cooperative compensation payable isn’t a Code violation.

Have a dilemma? Send your ethics questions to ethics@realtors.org.

Reprinted from REALTOR® Magazine Online, March 2016, with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2016. All rights reserved.

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EVENTS THIS OCT/NOV/DEC

SEMINAR

REGISTRATION CONTACT Cheryl Smith

EMAIL advocate617@ osceola-realtors.com

OCTOBER 3RD

OCTOBER 11TH

CMA Tools

MLS Basic

TIME: 9:00AM - 12:00PM

TIME: 9:00AM - 12:00PM

Intro to Transaction Desk

MLS Compliance 101

TIME:1:00PM - 3:00PM

TIME: 1:00PM - 2:30PM

Toastmasters TIME: 5:30PM - 6:30PM OCTOBER 4TH

Effective Risk Reduction

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

REALTOR® Professionalism & Follow-thru

4 CE’s TIME: 1:00PM - 5:00PM INSTRUCTOR: Cynthia DeLuca COST: Free to Members, $69 for Non-members OCTOBER 10TH

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

Toastmasters

TIME: 5:30PM - 6:30PM

MLS Adding & Modifying Listings TIME: 3:00PM - 4:30PM OCTOBER 11TH & 12TH

Business Planning for Maximum Results, CRB Course TIME: 8:30AM - 5:00PM INSTRUCTOR: Steven David LUNCH PROVIDED COST: FREE for Brokers, $129 for additional members, $229 for non-members LOCATION: Providence Golf Club, Davenport, FL OCTOBER 13TH

Code of Ethics

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

Code of Ethics

CALL OCTOBER 18TH

Choosing &

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

Evictions: Real World Facts & Best Practices 3 CE’s TIME: 5:30PM - 8:30PM OCTOBER 19TH

Goal Setting

3 CE’s TIME: 9:00AM - 12:00PM INSTRUCTOR: Cynthia DeLuca

Oktoberfest OSCAR/St Cloud Chamber After Hours Event

LOCATION: OSCAR Parking Lot TIME: 5:30PM - 7:30PM

INSTRUCTOR: Richard Fryer 3CE’s TIME: 1:00PM- 4:00PM

OCTOBER 24TH

OCTOBER 14TH

TIME: 9:00AM - 12:00PM

TIME: 11:30AM - 1:00PM SPEAKER: Miguel Mouriz, Branch Manager - New American Funding TOPIC: Nuances of Qualifying Buyers of Puerto Rico LOCATION: Kissimmee Bay Country Club, Kissimmee FL

TIME: 1:00PM - 2:30PM

OCTOBER 17TH

TIME: 5:30PM - 6:30PM

Global Alliance Luncheon

Toastmasters

MLS Basic (Spanish) MLS Compliance 101 (Spanish) MLS Adding & Modifying Listings (Spanish) TIME: 3:00PM - 4:30PM

Toastmasters

TIME: 5:30PM - 6:30PM Our office will be closed on November 24th and 25th, December 23rd and 26th, and December 30th for the holidays. We will also have a temporary closing on 12/9 from 2pm-5pm to prepare for our Award and Installation Dinner

407.846.0117 Unless otherwise noted OCTOBER 25TH

Property Management for the Real Estate Practioner (in Spanish)

3 CE’s TIME: 9:00AM - 12:00PM INSTRUCTOR: Omar Capellan

Real Estate Investing Analysis Made Easy

4 CE’s TIME: 1:00PM - 5:00PM INSTRUCTOR: Omar Capellan OCTOBER 26TH

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 OCTOBER 28TH

Grab Some Lunch & Learn a Bunch TIME: 11:30AM - 1:00PM SPEAKER: Dr. Debra Pace Superintendent of the Osceola County School District TOPIC: What’s New in Our District?

Classes are free to members unless otherwise noted.

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OCTOBER 31ST

NOVEMBER 21ST

TIME: 5:30PM - 6:30PM

TIME: 5:30PM - 6:30PM

NOVEMBER 7TH

NOVEMBER 18TH

Toastmasters

Toastmasters

MLS Searching, Reports, and Contact Management

Quadrennial Code of Ethics (iCE)

TIME: 9:00AM - 12:00PM

MLS Basic (Spanish)

MLS Mobile Agent TIME: 1:00PM - 3:00PM

Toastmasters

TIME: 5:30PM - 6:30PM NOVEMBER 8TH

Data Security, Tech Risk Management and Safety for Consumers 3 CE’s TIME: 9:00AM - 12:00PM INSTRUCTOR: Craig Grant

Technology Education Camp

3 CE’s TIME: 9:00AM- 12:00PM NOVEMBER 22ND

TIME: 9:00AM - 12:00PM

MLS Compliance 101 (Spanish)

NOVEMBER 14TH

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

Toastmasters

TIME: 5:30PM - 6:30PM NOVEMBER 15TH

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

MLS Compliance 101 TIME: 1:00PM - 2:30PM

Form Simplicity Broker Tools

TIME: 1:00PM - 2:30PM

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

INSTRUCTOR: Kaz Cisowski TIME: 1:00PM - 2:00PM

Toastmasters

2 CE’s INSTRUCTOR: Kaz Cisowski TIME: 2:30PM - 4:30PM

DECEMBER 13TH

MLS Advantage

TIME: 5:30PM - 6:30PM

TIME: 3:00PM - 4:30PM

TIME: 1:00PM - 2:30PM

NOVEMBER 28TH

MLS Adding & Modifying Listings (Spanish)

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

3CE’s TIME: 9:00AM - 12:00PM INSTRUCTOR: Pat Reass

Preparing & Navigating the Listing Contract

4CE’s TIME: 1:00PM - 5:00PM INSTRUCTOR: Cynthia DeLuca NOVEMBERE 30TH

Choosing & Writing a Successful Contract 7 CE’s TIME: 8:30AM - 4:30PM INSTRUCTOR: Steven David COST: Free for Members $129 for Non-Members DECEMBER 1ST

TIME: 3:00PM - 4:30PM

4 CE’s TIME: 9:00AM - 1:00PM INSTRUCTOR: Grant Simon

3 CE’s TIME: 5:30PM - 8:30PM INSTRUCTOR: Cynthia DeLuca

3 CE’s INSTRUCTOR: Kaz Cisowski TIME: 9:00AM - 12:00PM

MLS Compliance 101

MLS Compliance 101 (Spanish)

MLS Adding & Modifying Listings How to Know if Your Transaction is Going South

Form Simplicity

TIME: 9:00AM - 12:00PM

Demystifying the Appraisal Process

3CE’s TIME: 1:00PM- 4:00PM

TIME: 9:00AM - 12:00PM DECEMBER 8TH

MLS Adding & Modifying Listings (Spanish)

NOVEMBER 10TH

Code of Ethics

MLS Basic

TIME: 1:00PM - 2:30PM

NOVEMBER 29TH

3CE’s TIME: 9:00AM - 12:00PM

TIME: 5:30PM - 6:30PM

DECEMBER 12TH

MLS Basic (Spanish)

TIME: 1:00PM - 4:00PM

Code of Ethics

Toastmasters

And Then There Were Four

DECEMBER 5TH

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

TIME: 3:00PM - 4:30PM DECEMBER 9TH

DECEMBER 19TH

Award & Installation Toastmasters Banquet Dinner TIME: 5:30PM - 6:30PM TIME: 6:00PM - 10:00PM COST: $50 per individual, $500 per table of 10.

LOCATION: Embassy Suites,

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.

Email: Communications @osceolarealtors.com

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Marketing Tips

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5 WAYS

A NEW WEBSITE CAN HELP YOUR BUSINESS MEDIA CONTACT: Chris Florence

BLOG: abrandaid.com/blog-marketing-strategies

Increased sales figures have helped businesses succeed on all new levels. The website has to be designed in a way that draws in user attention as need be. An online business may succeed through any number of means to generate profit.

The revenue has to be earned in a way that makes sense for the online business dealings. Success is maintained on behalf of those who want to file through increased sales.

Each website is populated in a way that makes sense for the average consumer. A business has to be carefully designed in a way that appeals to a consumer base.

Here are some ways that a new website can help your business:

1. MONITOR SUCCESS THROUGH ONLINE REVENUE

Business owners are adept when it comes to managing funds through a variety of sources. Increased sales figures can be tracked through reports and graphical images.

Tracking developments will be a worthwhile consideration on behalf of those interested. Business success is predicated on a consistent source of leads unlike any other out there. Websites can display running figures of how revenue should be tabulated on behalf of buyers interested.

Increased sales totals are a helpful consideration on behalf of investors as well. They can use the information to decide whether deals can be struck for buyers.

2. INCREASED AWARENESS AMONG A CONSUMER BASE Any successful enterprise depends on active participation among consumers. The website will have to detail components that work within the confines of any given arrangement. Social media has made it surprisingly simple to connect with a network of consumers as indicated.

By promoting leads and page likes, business owners will identify unique components of a given sales deal. They may raise awareness for events and keep people interested in new concepts emerging in a marketplace. A website is a focal point of other means of connectivity, adding to the effectiveness of these reports.

EMAIL: chris@abrandaid.com

3. BUILD UP AN E-MAIL LIST

A full lineup of e-mail list options has kept people interested in new reports. Monthly updates are typical in select industries that are dedicated to reporting the facts.

Consumers and investors depend on a consistent source of information to keep themselves up to date for a while.

Informed opinions are a vital aspect behind how these services may be rendered. Direct shipments and bulk supplies are dependent on a company’s resources. The e-mail list may just generate discussions among those interested in full reports from consumers. Discussions often produce valuable ideas that may be turned over to investors.

4. PROVIDE LIVE UPDATES ON THE WEBSITE

Site operators have to carefully consider the content of website operation on behalf of those interested. Each business may be sustained through contributions from supportive staff. Increased sales are utilized to track the performance of the business itself. But there is more to success than just increased sales for consumers.

Quality of goods and services has to be monitored on behalf of business leaders. Standards may be raised from government agencies that track consumer goods. Updates can issue statements regarding the performance of sales figures on behalf of those interested.

5. IMPROVE ON WEBSITE APPEARANCE

Slideshows and text crawling messages are important for those tracking the site appearance. Flash driven web content is helpful for showcasing products and services.

High resolution images get consumers interested in new options that they can select through a site. Simply having a better site will improve on the experience that owners get from running a business. Web developers are working to keep pace with tech advancements in any given field.

Success is often defined by the joint effort it takes to successfully build on projects. Increased sales are simply a benefit people may enjoy by getting started.

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GET OUT AND

VOTE! ELECTION

WELCOME

TO OUR NEW

MEMBERS!

DAY IS NOV. 8!

The following candidates have been interviewed and recommended by OSCAR’s Candidate Screening Committee and the Board of Directors for their positions on industry issues. Please consider these candidates when going to the polls this November. And don’t forget, you can vote early starting October 26th! Early voting runs through November 6th. ·

Representative in Congress, District 9 – Darren Soto

·

State Senator, District 15 – Victor M Torres, Jr.

·

State Representative, District 39 - Neil Combee

·

State Representative, District 42 – Mike LaRosa

·

Osceola County Property Appraiser- Katrina Scarborough

·

Osceola County Sheriff - Dave Sklarek

·

Osceola County Tax Collector – Bruce Vickers

·

Osceola County Commissioner, District 1 – Peggy E. Choudhry

·

Osceola County Commissioner, District 3 – Brandon Arrington

·

Osceola County Commissioner, District 5 – Fred Hawkins, Jr.

·

Osceola County School Board, District 2 – Kelvin Soto

·

City of Kissimmee Commissioner, Seat 1 – Olga Gonzalez

·

City of Kissimmee Commissioner, Seat 3 – Angela M. Eady

·

City of Kissimmee Commissioner, Seat 5 Mayor– Jose A. Alvarez

·

Saint Cloud City Council, Seat 1 Mayor – James Nathan Blackwell

·

Saint Cloud City Council, Seat 3 – Charles Cooper

Members from our July orientation

Members from our August orientation

Members from our September orientation

MEMBER DUES:

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PAY BEFORE 12/1 AND GET A $100 EDUCATION VOUCHER!

015

As we draw 2016 to a close and get ready to welcome 2017, we are coming up on our annual dues billing cycle. Your OSCAR dues make the services we provide to you possible, from classes to networking events and more! We want to encourage timely dues payment by the end of December to avoid an interruption of services, therefor members who pay before December 1st will be thanked for their early payment with a $100 education voucher that can be used towards any paid class for the 2017 year. This can be used to earn designations or certifications that will build your skills and reputation. Mark your calendars to take advantage of this great incentive!

Thank you Major Donors!

OSCAR REALTORS® have been active in supporting and advocating for policy that will help property owners and would-be owners in the realm of real estate. One way they do so is by supporting the National Association of REALTORS’® Political Action Committee or RPAC. This PAC exists to interface with the political arena and push for positive change that will better the industry for agents and consumers alike.

Over the past year, several REALTOR® members have gone above and beyond to donate to the RPAC so that it may operate effectively.

Those members include, Daisy Cid, Linda Goodwin, Mike LaRosa, Bob St. Gordon, Patrice DeNike, and Wanda Linscott. These major donors have contributed more than $1000 apiece - far above the suggested fair share contribution of $20 that is recommended to REALTOR® members who wish to help make the PAC a formidable tool to improve the industry and protect private property rights.

Several others are being recognized in the President’s Circle for contributing $2000 or more to federal candidates. These donors include Tim Weisheyer, OSCAR CEO Carol Platt, and OSCAR Board President Jeff Perry.

Jeff Perry also has the proud distinction of being inducted into the

Golden R:

President’s Circle:

Jeff Perry Tim Weisheyer

Jeff Perry Tim Weisheyer Carol Platt

Crystal R: Daisy Cid Patrice DeNike

Sterling R: Linda Goodwin Mike LaRosa Wanda Linscott Carol Platt Bob St. Gordon

Hall of Fame: Jeff Perry Hope Andrews

Hall of Fame. The Hall of Fame is reserved for REALTORS® who have contributed $25,000 or more in their lifetime to the National Association of REALTORS® (NAR). Jeff will be honored in May at the NAR Legislative Meetings and Trade Expo in Washington DC. He will be joining another OSCAR Hall of Fame member, Hope Andrews, who was inducted in 2009.

Jeff views RPAC as an insurance policy on his business as a REALTOR®. “There are many external threats to our industry, our livelihoods and to private property rights. We must be diligent and engaged in doing what we can to protect REALTORS® and our communities,” he explained. “RPAC is the only grassroots force that exists to promote and protect the tradition of home ownership, real estate investment and private property rights.”

Carol Platt recognized her fellow contributors for their commitment to the PAC saying, “I’m proud to see these members step up for such an important cause. Keeping engaged with Washington and local legislatures is imperative to securing sound policy, and RPAC allows us to do just that. The funds contributed will translate into a better environment for REALTORS® and consumers across the country.”

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RPAC

AUCTION 2016 On August 6th, we came together to highlight the importance of the REALTORSÂŽ Political Action Committee.

This celebrated, annual event featured a fundraising auction that benefited the PAC. Thank you to all who attended and gave to such an important industry cause.

And special thanks to Stewart Title for providing the food, LaRosa Realty, LLC for providing the drinks, and to Victor Salgado of Wild Palms Productions for photographing the event!

Linda Goodwin places her bid at the RPAC Auction

Above:Members sign in at the beginning of the night Below:Sue Vasquez, Rhonda Owen, and Teresa Reily-O’Doherty

Diamela Atencio considers placing her bid

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Mike LaRosa and his wife, Holly help the PAC raise funds

OSCAR staff is ready for a stellar auction!

Thanks to Stewart Title for providing the delicious food!

Jeff Perry (above) and Rhonda Owen (below) get in on the bidding

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Global News

THE INTERNATIONAL BUYER PROFILE EXAMINED MEDIA CONTACT: Imran Mohamed

EMAIL: imrobin@earthlink.net

A Trinidadian Calypsonian known as the “Black Stalin” in 1995 sang “The Caribbean Man” and as one of those who have heard it a particular line sticks out “If you don’t know from where you’re coming …you can’t plan where you’re going” https://www.youtube. com/watch?v=3dbw3db3foM I therefore compliment NAR for putting together a very comprehensive report with respect to the International Buyer Profile. Agents therefore have the basic information and statistics to know what was and if need be the can tweak their business plan and or seek out more viable markets. The following are extracts for this NAR report. …

Amid slower economic growth in many countries and the strengthening of the U.S. dollar, fewer non-resident foreigners purchased U.S. residential properties while resident foreigners stepped up their purchases. Meanwhile, more U.S. domestic clients searched for properties abroad.

RESIDENTIAL PROPERTIES PURCHASED BY FOREIGN BUYERS Foreign buyers purchased $102.6 billion of residential property from April 2015—March 2016, a decrease from $103.9 billion in the previous 12-month period. Foreign buyers purchased 214,885 residential properties, a 3% increase from 208,947 in the previous 12-month period. The dollar volume decreased even as the number of residential property units purchased increased because there were fewer non-resident foreign buyers who tend to purchase more expensive properties than resident foreign buyers. Foreign buyers typically purchase more expensive properties. 45% of foreign buyers who purchased residential property came from China ($27.0B), Canada ($8.9B), India ($6.1B), the United Kingdom ($5.5B), and Mexico ($4.8B). Non-resident foreign buyers made up the bulk of buyers from Canada and the United Kingdom while resident foreign buyers came from China, India, and Mexico.

Although foreigners purchased property nationwide, five states accounted for 51% of total residential property purchases: Florida (22 %), California (15 %), Texas (10%), Arizona (4%), and New York (4%).

72% of non-resident foreign buyers purchased the property

as a vacation and/or residential rental property for investment while 21% of resident foreign buyers purchased the property for vacation and/or rental use.

RESIDENTIAL PROPERTIES SOLD BY FOREIGNERS The majority of international clients who sold their U.S. residential property originated from Canada, China, the United Kingdom, Mexico, Germany, and India. Properties owned by international clients sold for $446,191 on average and a median of $245,331.

ECONOMIC ENVIRONMENT EFFECTS ON INTERNATIONAL SALES Economic, political, social, and personal factors affect an individual’s decision to purchase U.S. property. In April 2015– March 2016, foreign buyers faced challenging economic conditions which made U.S. residential real estate less affordable. Economic growth slowed in China and Canada while the Latin America/Caribbean region’s economy contracted.

Slower growth, led by China, reduced the global demand for oil which, along with strong global oil production, led to the collapse of crude oil prices from about $100 per barrel to about $50 per barrel by January 2015. Oil-producing economies such as Canada, Mexico, Brazil, Venezuela, and Russia where many foreign buyers originate were adversely impacted. Meanwhile, India continued to grow at a strong and sustained pace, benefiting from the lower global oil prices, as well as strong fiscal markets, investment, and consumer spending.

DESTINATION OF INTERNATIONAL BUYERS While international clients represent a small segment of total

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U.S. existing-home sales market, they are an important clientele, particularly to states that tend to attract international clients: Florida, California, Texas, Arizona, and New York. Together, these five states accounted for 51% of international buyers who purchased residential property. Other major destinations include New Jersey, Illinois, North Carolina, Maryland, Georgia, Connecticut, Colorado, Michigan, Nevada, and Washington.

Proximity to the home country, the presence of relatives, friends and associates, job and educational opportunities, and climate and location appear to be important considerations in deciding where to purchase a property. Florida and Arizona attracted buyers from Latin America, Europe, and Canada who tend to purchase properties in warm climates for vacation purposes.

California and New York drew Asian buyers, most likely for reasons related to geographic proximity, cultural similarities, and job opportunities. Texas, which is physically close to Latin America and home to a large Latino population attracted buyers from Latin America and the Caribbean, as well as Asian buyers.

Most Canadian buyers purchased residential property in Florida, Arizona, California, Nevada, and Texas. Canadian buyers typically purchase properties for use as vacation homes, so they tend to locate in states with warm climates and resort areas.

About a third of Chinese buyers purchased residential property in California, most likely because of its proximity to and cultural affinity with Asia. New York, Texas, Washington, and New Jersey were also preferred destinations. With roughly 39 percent of Chinese buyers buying in states other than these top five states, they are among the more broadly geographically distributed foreign buyer groups.

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Compared to other major foreign buyers, Indian buyers are not as concentrated in any particular state, although Texas, California, and New Jersey were top destinations. Most Indian buyers purchased properties to use as a primary residence in these states where they most likely found jobs.

Most buyers from Mexico purchased properties in Texas and California, which are both geographically close and culturally similar to Mexico. North Carolina, Illinois, and Florida were also major destinations.

U.K. buyers mainly purchased residential property for vacation use, typically in warm weather states of Florida, California, and Texas.

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Canadian and U.K. buyers, who are often non-resident buyers, were more likely to purchase the property for use as a vacation home and/or residential rental property for investment. Among Canadian foreign buyers, 80% purchased the residential property for vacation purposes and/or investment purposes. Among U.K. foreign buyers, 43% purchased the property for vacation use and/or investment purposes. On the other hand, buyers from China, India, and Mexico, who are predominantly resident buyers, were more likely to purchase residential property for use as a primary residence or for the use of a child studying at a U.S. university. Forty percent of Chinese foreign buyers purchased the property for use as a primary residence and 13% purchased for the use of a student. Among Indian foreign buyers, 74 % purchased the property to use as a primary residence. Among Mexican foreign buyers, 63% intended to use the property as a primary residence.

U.S. for more than six months), exposure to U.S. tax laws (if and when the buyer decides to sell the property), and costs and maintenance fees. “Other” reasons include personal reasons such as the buyer deciding to rent instead of purchasing, or purchasing in another area.

PROFILE OF INTERNATIONAL CLIENTS WHO SOLD RESIDENTIAL PROPERTY This year’s survey also gathered information from residential seller’s agents about international clients who sold residential property. Of the total domestic and international transactions of seller’s agents responding to this survey, 4% were sales of properties sold by international clients.

International clients who sold their U.S. residential property mostly came from Canada, China, United Kingdom, Mexico, Germany, and India–a list that is notably similar to the list of top foreign buyers of residential property. Other major sellers of U.S. residential property are from Brazil, Australia, Japan, Venezuela, and Colombia. Respondents reported several cases of Canadians selling their U.S. property because of the stronger U.S. dollar. Just less than 10% of respondents could not identify the seller’s country of origin.

REASONS FOR NOT PURCHASING PROPERTY As is the case with potential domestic buyers, not all international clients will complete the purchase. Survey respondents cited a variety of reasons why some of their clients did not ultimately become home buyers. “Cost of property” and “exchange rate” accounted for 22% of the cases in which an international client did not complete a purchase. Finance-related reasons such as “could not obtain financing” and “cannot move money” accounted for 21% of why the client did not purchase property. “Could not find property” was the reason in 18% of the cases. The lack of inventory may explain some of the cases why the international client failed to find a property. Working with international clients requires an understanding of their needs and cultures, so difficulties in meeting the objectives of the potential purchaser may also account for instances when the buyer could not find property. Other reasons are related to immigration laws (mainly that the buyer cannot stay in the

The properties sold by international clients were mostly located in Florida, California, Arizona, Texas, Nevada, New Jersey, New York, Illinois, and Ohio. Not surprisingly, the list of states where

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foreign buyers sold their U.S. property is similar to the list of states where foreign buyers typically purchase U.S. residential property.

clients. Foreign buyers purchased $102.6 billion of residential property from April 2015–March 2016, a 1% decrease from the $103.9 billion of property purchased in the previous 12- month period. Foreign buyers purchased 214,800 residential properties, a 3% increase from 209,000 units purchased in the previous 12-months. Purchases by non-resident foreigners decreased to 41% of residential units while purchases by resident foreigners increased to 59%. In the past years, purchases by resident and non-resident foreigners were nearly split.

The dollar volume decreased even as the number of residential units purchased increased because resident foreign buyers generally purchase less expensive properties than non-resident foreign buyers. Non-resident foreign buyers retreated as economic growth slowed in many countries, including in China and Latin America, and as the dollar strengthened against many foreign currencies.

Canada, China, India, Mexico and the United Kingdom were the major countries of origin of residential buyers.

Properties owned by international clients sold for $446,191 on average and for a median of $245,331. International clients from China and the United Kingdom sold more expensive properties.

This is consistent with the data that Chinese and U.K. clients tend to purchase properties that are more expensive than properties purchased by other foreign buyers.

PROFILE OF U.S. RESIDENTS PURCHASING A PROPERTY ABROAD International real estate is multi-faceted. Not only do international clients choose to purchase U.S. real estate, U.S. clients are also interested in purchasing property abroad. Approximately 14% of responding REALTORS® reported that they had a client who was seeking to purchase property in another country, compared to six percent in the previous 12- month period. 4% of respondents referred the interested buyer to a business contact outside the United States, 3% helped the client directly, and 1% referred the client to a business contact in the United States who works with international clients. About 6% of respondents reported that they had a client interested in purchasing property abroad but could not refer the client to anyone to assist in the purchase process.

Challenges in Dealing with International Clients The number of REALTORS® who are new to the business has been increasing, a positive indicator of the health of the U.S. real estate market. Approximately 16% reported that they have been in the business less than one year, up from less than one percent of respondents in 2010 when the housing market was in a slump.

Serving international clients requires specialized knowledge on the part of the REALTOR® relating to immigration, tax, property, financing, and other regulations. Cultural affinity and knowledge of client preferences also play an important role in nurturing relationships with international clients. With more REALTORS® new to the business, there is a need for education and training of new members in dealing with international clients, particularly nonresident foreign buyers who are likely to face greater challenges and are less familiar with the U.S. housing market than resident foreign buyers. NAR offers valuable educational training and resources for agents who are looking at expanding their business transactions with international clients

CONCLUSIONS All real estate is local, and although international clients represent a small segment of the market, they are important to the REALTORS® who serve them and to the local markets that attract international

Non-resident foreign buyers originated from Canada and the United Kingdom, while resident foreign buyers came from China, India, and Mexico. Florida, California, Arizona, Texas, and New York were the major destinations of foreign buyers. Among international clients who sold the U.S. residential property they owned, the major sellers were citizens from Canada, China, the United Kingdom, Mexico, Germany, and India. Properties owned by international clients sold for $446,191 on average and the median sales price was $245,331.

U.S. domestic clients are also engaging in international transactions and looking to purchase property abroad. Mexico, Costa Rica, Philippines, Colombia, and Canada were the countries that generated the most interest from survey respondents. 79% of recent clients seeking property abroad were interested in a residential property, mainly to use as a vacation home and/or rental property.

Personal contacts and referrals are the top sources for the majority of business opportunities for REALTORS® serving international clients, accounting for 47% of all international client leads. In addition, website/online listings continue to be an increasing source of clients, including the agent’s own website.

16% of respondents have been in the business for less than one year, an increase from the share of less than 1% in 2010. This is a positive sign of the strength of the U.S. real estate market, but it also indicates the need for training and support on working with international clients. Serving international clients may require specialized knowledge on the part of the REALTOR® relating to immigration, tax, property, financing, and other regulations. Cultural affinity and knowledge of client preferences may also play an important role in nurturing relationships with international clients.

NAR’s Commercial & Global Services Group has resources that can assist REALTORS® who wish to expand their international business.

The outlook for international real estate activity in the United States remains positive. In the next 12 months, 44% of respondents expect increased activity with international clients, 29% expect no change, 10% expect decreased activity, and 17% were unsure. While the voters of the United Kingdom decided to leave the European Union in a referendum (“Brexit”) after the survey was closed, the outlook for international real estate activity in the United States remains positive. The decline in the value of the British Pound following Brexit is likely to mean fewer buyers from the United Kingdom.

However, businesses and foreign real estate investors may choose First 30theattendees receive doorStates prize! to stay away from United Kingdom, and theaUnited could become an attractive alternative. .

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Technology

USING SMART HOME DATA IN REAL ESTATE

SALES

MEDIA CONTACT: MEG WHITE

UNDERSTANDING THE BASICS OF A HOME’S COMPONENT PARTS HAS ALWAYS BEEN IN THE REAL ESTATE AGENT’S WHEELHOUSE. AS INTERNET-CONNECTED TECHNOLOGIES BECOME PART OF THE PACKAGE, DON’T FALL BEHIND THE CURVE. For the last century, homebuilders and manufacturers have been envisioning ways to make homes smarter, more efficient, and more maintenance-free. But as the Internet of Things (IoT) meets up with smartphone-wielding buyers, the buzz about smart homes is becoming deafening. How do you keep up without getting bogged down in hype? Keep your focus on three things—the definition, the devices, and the data— and on how each of those is changing the home and the transaction.

THE DEFINITION: WHAT IS A SMART HOME? The term “smart house” was coined in the 1980s by the National Association of Home Builders to refer to a home with integrated telephones, lighting, audio, and security. Such systems required special wiring and typically cost tens of thousands of dollars. But the concept has evolved with the proliferation of inexpensive devices that can be operated via smartphone and can make data accessible online. Now, one real estate franchise is trying to bring about some common understanding of what it means to call a house a smart home.

EMAIL: mwhite@realtors.org

In May, Coldwell Banker Real Estate LLC joined forces with consumer technology news source CNet to define a smart home as “equipped with network-connected products . . . connected via Wi-Fi, Bluetooth, or similar protocols for controlling, automating and optimizing functions” of the home.

Their definition stipulates that the home has internet access, a smart security or temperature system, and at least two other smart features, such as appliances, entertainment devices, heating or cooling equipment, lighting, landscaping elements, air quality monitors, or thermostats.

Danny Hertzberg works on the front lines of smart-home living: the luxury market, where such features have moved “from an impressive amenity to an expected element,” he says. Hertzberg, a sales associate with Coldwell Banker Residential Brokerage in Miami Beach, Fla., and a member of real estate team The Jills, says his franchise’s effort to define a “smart home” is an important step toward eliminating casual or misleading uses of the term.

“It’s false advertising to have a Nest [thermostat] and call it a smart home. You can’t call the whole property a smart home or a smart condo and just have one element,” he says. “We need a nationwide consensus on the marketing terms. Otherwise people will be disappointed.” Or worse, they’ll feel duped.

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THE DEVICES: WHAT’S HAPPENING IN SMARTHOME TECHNOLOGY? In the high-end Miami market where Hertzberg works, he’s noticed home owners who are thinking about listing their homes are proactively installing smart-home systems, believing they’ll be at a disadvantage without them.

And with builders now installing smart devices in new construction, it’s only a matter of time before the trend reaches older homes and lower-priced listings, with sellers positioning these devices as points of differentiation. It helps that many smarthome devices can be had for a nominal cost—a few hundred dollars or less. Among the low-cost offerings are the Belkin WeMo switch, which plugs into an outlet and enables you to control lighting through a smartphone or motion sensor; the Amazon Echo, an interactive speaker that lets you use voice commands to access music, news, and more; and, of course, the Nest thermostat, which offers access from your phone and promises to learn your heating and cooling preferences.

Products like Nest have built-in data sharing tools to help potential buyers see themselves in a home, says Matt Flegal, a spokesperson for Palo Alto, Calif.–based Nest. Buyers who are considering a listing with a Nest thermostat, for example, can see the current owner’s app dashboard or the monthly usage email Nest sends to home owners. Although utility companies now offer online access to energy usage information, Nest brings control and usage data together in one package. “It’s a simple thing to do to make a house show better,” Flegal says.

When you’re vying for a listing equipped with smart-home features, Hertzberg suggests having a discussion about which features will convey and how those features improve the current owners’ lifestyle. “Understand why they installed a feature and what they love about it,” he says. For example, maybe they always left the lights on, so smart lighting has been a money-saving solution.

Or maybe they entertain frequently, and smart speakers have enhanced the experience.

failed to learn how a system works. “The listing agent comes into the home and doesn’t know how to operate the system,” he says, adding that it’s a real turnoff for buyers. “Even to turn the lights on, they have to call somebody.”

The best way to get to know smart-home technology? Install it at home, Hertzberg suggests.

THE DATA: WHAT’S THE VALUE OF ALL THAT DATA COLLECTION? One attraction of Wi-Fi–connected thermostats is that they enable home owners to track and optimize their energy usage. That data, combined with other available information, can be a boon for real estate agents.

For first-time buyers, in particular, the cost of ownership isn’t always readily apparent. “Energy costs are often the largest cost for the consumer after the mortgage,” says Hunter Albright, senior vice president of new markets for Tendril, a company with offices in Colorado and Western Europe that aggregates smart home technology data for consumers and real estate professionals.

Tendril gathers around 300 data points about a property, most from publicly available sources and provides a system for helping consumers optimize their homes to be more energy--efficient. “It’s just more education for the home buyer,” says Albright.

“It’s giving people a richer picture of that home.”

“Before a client is a home owner, you can use the [Tendril] tool to get an average of the energy costs,” says Ryan Carter, managing broker of 8z Real Estate in Denver. With tweaks based on possible upgrades and the potential owner’s energy needs, “the system can offer an idea of what a buyer might be looking at.”

“As good as you think you are at copywriting, the owners sometimes have these diamonds,” Hertzberg says.

Tendril sends 8z’s past clients a bimonthly email about energy efficiency and upgrade ideas. The email offers practical information, such as what makes a home suitable for solar panels or how an energy upgrade may pay off over time. The emails aren’t meant to replace brokers’ contact management systems but to augment them, Albright says. The personalized communications aim to show consumers that they made a smart decision.

Understanding how smart technology works can make a difference. Hertzberg has seen the unfortunate result of showings where colleagues

Another company working to simplify home owners’ energy decisions is HomeSelfe, a division of Long Beach, Calif.–based Energy DataMetrics.

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The company’s home energy assessment app walks owners through their home for a snapshot of their home’s energy consumption. “Our free mobile app has you answer a few simple questions about your home and then sends an instant report that provides a picture of your home’s energy use and a personalized path to lowering utility bills,” says cofounder Ameeta Jain. HomeSelfe is one of eight companies currently in the National Association of REALTORS®’ REach accelerator program (narreach. com), which provides mentorship, education, and exposure for companies innovating in the real estate space.

AUTOPOPULATING LISTINGS For now, the data being collected by smart-home devices isn’t being curated for use in listing information. Although many MLSs have fields where listing agents can add information about energy savings, they’re not set up to feed in information from smart-home devices—yet. Chad Curry, managing director of NAR’s Center for REALTOR® Technology, says it’s just a matter of time. The Center recently established CRT Labs to help REALTORS® understand and have a voice in the development of smart-home technology.

Organized real estate’s role isn’t yet certain. But CRT’s participation in the U.S. Department of Energy’s Home Energy Information Exchange Accelerator is one cause for optimism. The accelerator is a three-year collaboration between the public and private sectors, with the goal of making home energy information more accessible.

“With what we’re doing and the way we’re seeing MLSs respond, I think we’ll have this in two to three years,” Curry says. “Our vision is that none of this stuff would be entered by the real estate professional. It would be automatically updated by the house, and we think that’s possible.”

THE CAVEATS Will all this new data open up a host of new disclosure concerns? Yes and no. Say sellers have a moisture-sensitive smart device on their basement floor to measure water levels. It could give them hard data about the precise amounts of dampness and flooding that might have happened over the course of their ownership. But NAR Associate General Counsel Ralph Holmen points out that the greater availability of data won’t alter the basic calculation about disclosures. “These devices don’t really change the approach,” he says. The

responsibility of the listing agent is the same; if you know it, disclose it.

But Holmen notes that brokers and agents must understand the data being collected. “The broker has an obligation to find out more about what the data shows and what that means for buyers,” he says. “He can’t turn a blind eye to things that might be a problem, even if the owner doesn’t say there’s been flooding.”

Privacy is another major concern. There have already been headlines about smart-home devices exposing private information about unwitting home owners. Some may worry that simple data, such as when electricity is being used, could help thieves determine when a home might be empty and vulnerable. Curry acknowledges these issues and notes that NAR is working with Underwriters Laboratories’ Cyber Security Assurance Program to address software weaknesses and review security controls.

Home owners who are reluctant to share energy and environmental data and other information about their home may soften over time as they see the convenience provided by these devices.

“Rather than thinking of it as something you’ll have to disclose,” Curry says, “think of it as a way to improve owners’ quality of life.”

Reprinted from REALTOR® Magazine Online July 2016, with permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2016. All rights reserved.

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OSCAR REALTORS® are being offered an exclusive member benefit through the Providence Academy. Instructor and founder, David Fletcher has generously offered a 20% online discount to OSCAR members who wish to take the New Home Co-Broker Certification course! This course will help REALTORS® break into the new home niche, better positioning them to serve clients wishing to invest in justbuilt properties. You can take the course online by visiting https://www.newhomecobroker.com/collections/all. Once you enroll and go to check out, type in the promo code OSCAR (all caps) to receive your 20% discount from the already affordable $29.95 cost. After reviewing the course material and successfully passing a short, 20 question multiple choice exam, REALTORS® will receive their New Home Co-Broker Designation.

REALTORS® who take part in this certification course will learn to grow their resale listing and sales business, improve their prospects-to-sales ratio, find new homes inventory ‘on demand’, be able to provide a price baseline for resale prospects, find new home buyers among resale shoppers, and more! All while benefiting from the instruction of an industry expert who boasts of a $3 billion new-home sales record, and is the broker of record for more than 70 communities.

Want to know more? Visit newhomecobroker.com for further info. Then, sign up for this course to see how the new home market can increase your sales potential!

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MARKET

OSCEOLA COUNTY

DYNAMICS 2 years (monthly) - 8.1.14 to 8.31.16 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 -19.38 Monthly % -0.67 Total Change -465.01 Total % Change -16.14

FOR SALE -16.1%

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MONTH’S SUPPLY OF INVENTORY (SOLD CALCULATION) Monthly Change -.08 Monthly % -1.38 Total Change -2.04 Total % Change -33.12

MSI SALE -33.1%

MEDIAN PRICE (SOLD) LOW, HIGH, AVERAGE, MEDIAN Monthly Change 1740.11 Monthly % 1.11 Total Change 41,762.65 Total % Change 26.5

FOR SALE 26.6%

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FINANCIAL SERVICES/ INSTITUTIONS 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 Centennial Bank Sandra Rossetter 3552 13th Ave St. Cloud, FL 34769 T 407-556-0225 F 407-957-3022 srossetter@my100bank.com

Scott Johnson 349 W Oak St Kissimmee, FL 34741 T 407-847-3800 F 407-847-8482 sjohnson@centerstatebank.com Centerstate Bank of Florida, N.A. Karen Giel 4898 E Irlo Bronson Memorial Hwy St Cloud, FL 34771 Kissimmee, FL 34741 T 407-891-8396 kgiel@centerstatebank.com Centerstate Bank of Florida, N.A. Fred Wright 349 W. Oak St Kissimmee, FL 34741 T 407-758-7486 fwright@nbcsecurities.com Columbus Capital Learning Yanett Bello 7232 Sand Lake Rd, Ste 103 Orlando, FL 32819 T 407-507-1492 F 786-762-3357 yanet.bello@columbuscl.com Equity Mortgage Bankers Odette Alaga-Tua 217 N Westmonte Dr, #2000 Altamonte Springs, FL 32714 T 407-504-5114 F 305-575-2580 oaliagatua@equitymb.com www.equitymb.com Farm Credit Jessica Slaughter 2301 Thonatasassa Rd, Plant City, FL 33563 T 813-719-7341 F 813-764-9741 jslaughter@farmcreditcfl.com Farm Credit Erin Vermillion 115 S Missourri Ave, Ste 400 Lakeland, FL 33815 T 813-719-7341 F 813-764-9741 evermillion@farmcreditcfl.com

PNC Mortgage Christopher Wyatt 200 E Pine St, Ste 200 Orlando, FL 32801 T 407-245-2481 F 866-932-0135 christopher.wyatt@pncmortgage.com www.pncmortgage.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 E Osceola Parkway Kissimmee, FL 34746 T 407-932-0398 F 407-932-0719 snear@branch.trustcobank.com trustcobank.com Wells Fargo Home Mortgage Arlene Allen 435 Ford Rd, 7th Fl. St. Louis Park, MN, 55426 T 612-382-7461 mlsmemberships@gmail.com wellsfargo.com

HOME INSPECTION

Farm Credit Gayle Yanes 2301 Thonatasassa Rd, Plant City, FL 33563 T 813-719-7341 F 813-764-9741 gyanes@farmcreditcfl.com

ACF Home Inspection Luis Figueroa 509 S Chickasaw Trail, Suite 118 Orlando, FL 32825 T 407-466-8921 F 407-381-5556 info@acfinspection.com www.acfhomeinspections.com

MB Financial John Rivera 13574 Village Park Dr, Ste 265 Kissimmee, FL 34741 T 407-412-5999 F 407-641-9021 jrivera@mbmortgage.com

Amerispec Home Inspection Melinda Kalogridis P.O. Box 471038 Celebration, FL 34747 T 407-607-4302 inspect@amerispec.net

The Moneyhouse, Inc. Angel Vasquez 8751 Commodity Cr, Suite 17 Orlando, FL 32819 T 407-730-9899 F 888-679-8890 av@moneyhouseus.com www.moneyhouseus.com

Budget Services Ed Hogan 3617 Crosley Ave St Cloud, FL 34772 T 407-892-8811 F 407-892-8516 budgettermite@earthlink.net

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Buy Your Side Inspection Tommy Joynes 1101 Pennsylvania Ave St. Cloud, FL 34769 T 407-780-0911 thefloridainspector.@gmail.com thefloridainspector.com

Closer Look Home Inspections Keith Wilson 7862 W. Irlo Bronson Hwy, #115 Kissimmee, FL 34747 T 407-319-4608 Keith@closer-look-inspections.com www.closer-look-inspections.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 Housemaster Home Inspections Ruth Quinones 527 Brack Street Kissimmee, FL 34744 T 407-343-4677 F 407-947-5354 info.osceola@housemaster.com osceola.housemaster.com Housemaster Home Inspections Erica Santana 527 Brack Street Kissimmee, FL 34744 T 407-343-4677 F 407-947-5354 sales.osceola@housemaster.com osceola.housemaster.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 Pillar to Post / Kelemen Home Inspection, LLC Bryan Kelemen 5348 Mill Stream Dr St Cloud, FL 34771 T 321-895-5019 bryan.kelemen@ pillartopost.com www.pillartopost.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® SERVICES

Integrity First Title Betty M. Dobbie 3239 Lorimar Ln St Cloud, FL 34741 T 407-846-4500 F 407-846-4533 bdobbie@integrityft.com

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

Locke Insurance Don Westerfield 2900 Deer Creek Commerce Ln, Davenport, FL 33837 T 407-720-4700 don@lockeinsurance.com lockeinsurance.com

Garrison Property Services Joe Garrison P.O. Box 510 Dundee, FL 33838 T 863-439-6550 F 863-292-0846 joe@garrisonland.com garrisonpropertyservices.com

Murray Insurance Agency Ada Jimenez 195 E Wekiva Springs Rd, Ste 100 Longwood, FL 32739 T 407-760-5585 F 407-332-0442 ajimenez@murrayins.net murrayins.net

TITLE/ESCROW/INSURANCE 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 Blue Water Clear Title, LLC Jim Davis 2019 13th St St Cloud, FL 34769 T 407-593-6525 F 407-563-8805 james@bluewatercleartitle.com www.bluewatercleartitle.com Brokers Title Services, LLC Teresa C. Tavera 5401 S. Kirkman Rd, Ste 207 Orlando, FL 32819 T 407-476-2033 F 407-413-8745 teresa@brokerstitleservices.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

Ralicon Home Inspection Jose Fernandez 10136 Silmarien St Orlando, FL 32825 T 407-408-6453 raliconjose@aol.com raliconhomeinspection.com

First American Title Catherine Acosta 150 W Oak St Kissimmee FL, 34741 T 407-335-3205 F 866-722-5957 cacosta@firstam.com First InternationalTitle

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

Shelly Dukes 1155 Miranda Ln Kissimmee FL, 34741 T 407-350-3338 F 407-350-5966 shelly@firstplatinumtitle.com

Solano Home Inspections Jason Solano 2569 Aventurine St Kissimmee, FL 34744 T 407-932-8121 jason.s@solanohomeinspections.com

First International Title Bobbi Jo Justice 1155 Miranda Ln Kissimmee FL, 34741 T 407-350-3338 F 407-350-5966 bobbijojustice@firstintitle.com

Zap Home Inspections Adrian Colon 3037 Booting Dr Kissimmee, FL 34759 T 407-870-2630 zap9@juno.com

Infinity Title Group Samantha Andrade 714 N John Young Pkwy Kissimmee, FL 34741 samantha@infinitytitlegroup.com

First InternationalTitle Tammy Dietz 12 S Clyde Ave Kissimmee FL, 34741 T 407-350-3338 F 407-350-5966 tammy.dietz@firstintitle.com

Murray Insurance Agency Lauren Sirickas 195 E Wekiva Springs Rd, Ste 100 Longwood, FL 32739 T 407-382-0909 F 407-332-0442 admin@murrayins.net murrayins.net North American Title Co Kent Rayborn 1635 E Hwy 50, Ste 102 Clermont, FL 34711 T 407-466-5253 F 866-421-0261 krayborn@nat.com North American Title Co Tammy Strauch 5900 Turkey Lake Rd, Ste C Orlando, FL 32819 T 407-363-0922 tstrauch@nat.com Paragon TItle Group Tina Johnson 1222 Ingram St Kissimmee, FL 34744 T 407-847-0412 F 407-847-0429 docs@paragontitlegroup.com paragontitlegroup.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 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 Tiede Insurance Allstate Craig Tiede 2342 E. Irlo Bronson Memorial HWY Kissimmee, FL 34744 T 407-744-0043 Craigtiede@allstate.com Title and Abstract Agency of America, Inc. Yvette Mendez 840 N. John Young Parkway Kissimmee FL 34746 T 407 569 2109 F 407 569 2111 ymendez@logs.com www.titleandabstractagency.com

OTHER SERVICES Arnott’s Furniture & Auction Gallery Heather J. Arnott 6001 S. Orange Blossom Trail Davenport, FL 33896 407-401-9893 heather.arnott@yahoo.com www.auctionzip.com/cgi-bin/ auctionlist.cgi?vuid=398369 Budget Blinds of St Cloud Rak Sharma 13526 Hidden Forest Cir Orlando, FL 32828 T 321-766-4023 rsharma@budgetblinds.com Cutco Closing Gifts Aaron Ludin 1035 Covington St Oviedo, FL 32765 T 407-692-8868 aaron@orlandobranding.com Costa d’Este Beach Resort & Spa Amanda Osman 3244 Ocean Drive Vero Beach, FL 32963 T 772-410-0071 aosman@ocstadeste.com costadeste.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 Kemp Howland Photography Kemp Howland 355 Falling Waters Dr Poinciana, FL 34759 T 407-222-4847 F 407-705-2562 kemp.howland@gmail.com Kissimmee Bay Country Club Nicole Smith 2801 Kissimmee Bay Blvd Kissimmee, FL 34744 T 407-348-4653 nicolekbay@gmail.com playgolfinkissimmee.com Molly Maid Tim Rasner 4107 Neptune Rd St Cloud, FL 34769 T 407-829-1616 F 407-891-1203 timrasner@mollymaid.com Planet Fitness Matt Toyens 4020 13th St St Cloud, FL 34769 T 407-957-1846 matt.toyens@pforlando.com Robert Anthony Florist Robert Anthony 26 Broadway Kissimmee, FL 34741 T 407-846-1816 rob@robertanthonyflorist.com robertanthonyflorist.com Rockers Lockers Abbie Rocker 1541 E. Irlo Bronson St Cloud, FL 34771 T 407-498-2256 F 407-493-2254 abbie@rockerslockers.com Systeco Pet Control Cesar Vergara P.O. Box 623475 Oveido, FL 32765 T 407-832-9124 info@systecoservices.com VAREP GeorgeFreelove 147 W Lyman Ave Winter Park, FL 32789 T 407-408-5167 glf929@hotmail.com www.varep.net Wild Palms Productions Victor Salgado 2420 Cypress Trace Circle Orlando, FL 328254 T 321-948-3512 wildpalmsproductions@gmail.com wildpalmspro.com

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OSCARAFFILIATES REVIEWOSCAR

Effat Abdou-Maryem - Rockrose Realty Pedro Ali - La Rosa Realty LLC Arlene Allelt - Wells Fargo Home Mortgage Alejandro Alvarez - Deconova International Realty Michael.Anaya - The Property Pros Real Estate, Inc Robert Anthony - Robert Anthony Florist Froilan Arce - Watson Realty Corp Gioconda Arevalo - La Rosa Realty LLC Pilar Aristizabal - Agent Trust Realty Corporation Kevin Ault - Magic Realty LLC Yris Ayala - Roman’s Pro Realty LLC Blanca Benavides - Keller Williams Classic II Realty Nelson Benavides - Alpha Homes & Investment, Inc. Ashli Berg - Keller Williams Advantage III Laura Bezrutschko - Deconova International Realty Mumtaz Bhatti - Mila Realty Laurie Bishop - Robert Slack Fine Homes LLC Albert Boada - OneRes International Realty Christiane Brooks - Chris Brooks Realty, LLC Colleen Brown - Re/Max Magic Paul Brown - Brown’s Real Estate Company Matthew Brown - ABD Realty, Inc. James Brown - Re/Max Blue Water Thamara Cabrera - Florida Scandi Realty LLC Soledad Cabrera .- Agent Trust Realty Corporation Amanda Calderon - La Rosa Realty LLC Edwin Carrasquillo -Clear Point Realty LLC Ariane Casanova - Keller Williams at The Lakes Amaralys Castro - HomeStar Realty LLC Lizandra Chacon - La Rosa Realty LLC Abraham Chalela - CIMA REALTY INC Daisy Cid - Re/Max Magic Luz Colon - La Rosa Realty LLC Jose Colon - Watson Realty Corp.

Cristobal Colon - La Rosa Realty LLC Humberto Contreras Camargo - La Rosa Realty LLC Alisa Conty - Murray Insurance Agency, INC Thania Cotti - La Rosa Realty LLC Jose Couvertier - WF Realty Corp.

Terri Cristaldi - Exit Realty Champions Joseph Cruz - Keller Williams Classic II Realty Enny Cruz - V Properties Inc Daniel Cruz - Resource One Realty Roberta Cuarezma - Minto Communities Andrew Davis - La Rosa Realty LLC Maria De Jesus - Homestead Realty Inc. Juan Carlos De Jesus - Agent Trust Realty Corporation Geydenise Decarvalho - Vitoria Realty Nancy Del Toro - Odry Vargas Realty Group Yarelix Del Toro - Odry Vargas Realty Group Jenso Delgado - Weichert Realtors Hallmark Pro Virginia DiBerardino - Overton Realty, Inc. Derek Donnelly - Exit Realty Champions Byron Durham - Weichert Realtors Hallmark Pro Ricardo Dusson - La Rosa Realty LLC Paulina Elmir Simba - La Rosa Realty LLC Naomi Embleton - Exit Realty Champions Wendy Farrell - Signature Promotions Nathy Fernandez - Agent Trust Realty Corporation Francisca Fernandez - La Rosa Realty LLC Detilia Ferrer - La Rosa Realty LLC Clarissa Ferrer - Re/Max Blue Water Lourdes Figueroa - Paige Realty Corp Giovanni Figueroa Sanabria - La Rosa Realty LLC Daniel Fis - Charles Rutenberg Realty Wilfredo Fonseca - La Rosa Realty LLC Britney Forbes - Watson Realty Corp Francis Franqui - La Rosa Realty LLC George Freelove - Varep Central Florida Chapter Balbino.Garay - Champions Realty And Investment Inc Luis Garcia - Keller Williams Classic II Realty Leticia Garcia Elias - La Rosa Realty LLC

MEMBERS

WELCOME NEW

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Luis Gaviria - Homs Realty Group Inc. Sandra Geigel - Coldwell Banker Solomon Kaleigh Gleeson Davis - Real Estate Group Melanie .Gocinski - Keller Williams Classic II Realty Gesiel Gomes - Keller Williams at The Lakes Danielle Gonnelli - Changing Latitudes Real Estate Services, LLC Joseph Gonzales - La Rosa Realty LLC Kenneth Gonzalez - For The People Realty, LLC Armando Gonzalez - Riveragroup Services LLC Darytsabel Gonzalez - Viva Realty Brenda.Gonzalez - Keller Williams Classic II Realty Veronica Gonzalez - Odry Vargas Realty Group Jeffery Goris - La Rosa Realty LLC Nathalie Green - Ashtian Realty Nikiya Greer - C21 Blue Sky Realty Group Marisela Guillen Perez - La Rosa Realty LLC Paulo Guimaraes.- Keller Williams Classic II Realty Yarely Gutierrez - Florida Realty Team Of Central Nancy Guzman - V Properties Inc Ana Hernandez - La Rosa Realty LLC Liss Hernandez - Agent Trust Realty Corporation Abelardo Hernandez - Weichert Realtors Hallmark Pro Yamilet.Hernandez - Keller Williams Classic II Realty Zachary.Hernandez - Coldwell Banker Ackley Realty Climmie.Hill - Elevate Real Estate Brokers Of Florida LLC John Hill - C21 Blue Sky Realty Group Douglas Hone - La Rosa Realty LLC Teri Hurst - Keller Williams Advantage III Yasmin Javier - Luxury Realty, Inc. Ada Jimenez - Murray Insurance Agency, INC Sandra Johnson - Luxury Orlando Real Estate William Kennedy - Watson Realty Corp.

Cathy Kennedy - Effective Real Estate Solutions, LLC Benjamin Kumar - Keller Williams Classic II Realty Kowary Laboy - Coldwell Banker West Realty Perla Lagares - Weichert Realtors Hallmark Pro Diane Lalli - Arista Realty Group, LLC Naomi Lambert - Celebration Executive Realty Erika Larios Grimaldi - Dalton Wade Inc. Son Le - Ghali Realty, INC Qin Lin - Weichert Realtors Hallmark Pro Daniel Lopez - La Rosa Realty LLC Christian Lucca - La Rosa Realty LLC Marilin Lugo - Agent Trust Realty Corporation Charles Lunnen - Watson Realty Corp.

Robert Lynn - The Corcoran Connection LLC Roberto .Machado - Keller Williams Classic II Realty Martin Maluchnik - Advanta Realty Amber Markowski - C21 Blue Sky Realty Group Jan Martinez - Keller Williams Classic II Realty Luz Martinez - La Rosa Realty LLC Victoria McVay-Froom - Dorn Lane Realty Ana Menendez - Realty Group USA, LLC Alicia Minott - Weichert Realtors Hallmark Pro Deborah Mistretta - Re/Max Realtec Group Haysa Mogollon - Luxury Realty, Inc. Jose Molfino - La Rosa Realty LLC Lynn Molyneaux - Keller Williams Classic II Realty Karla Monsalve - Agent Trust Realty Corporation Carlos Moreno-Jusino - La Rosa Realty LLC Nermina Mujcinovic - Homs Realty Group Inc. Ronald Murray - Magic Realty LLC Joselyne Muszynski - Keller Williams Classic II Realty Sally Myers - NINETY-10 LLC Bernadette Negron - Right Choice Realty & Services, Inc. Anh Nguyen - Partnership Realty Inc Keri Noonan - Florida Spirit Real Estate Services William Noriega. - Carrington Real Estate Services, LLC Manuel Ocasio - La Rosa Realty LLC Fernando Oquendo - La Rosa Realty LLC Damaris Ortiz - La Rosa Realty LLC Jessica.Ortiz Ramos - Keller Williams Classic III Realty

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

WELCOME NEW

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

MEMBERS

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Amanda Osman - Costa D’ Este Beach Resort & Spa Patricia Padron - Premium International Realty Brian Palau - 2 Good Realty Charlene Paulino - Watson Realty Corp Rodolfo.Penaloza - Agent Trust Realty Corporation Lourdes Perez - Keller Williams at The Lakes Julio Perez - Reikey International INC. Theresa Peterson - Watson Realty Corp.

Katiuska Petit Mujica - La Rosa Realty LLC Robert Pierce - Watson Realty Corp Jonathan Platt - Keller Williams at The Lakes Tammy Presley - The Property Pros Real Estate, Inc Lynette Quinones - La Rosa Realty LLC Peter Quinones - Viva Orlando Realty Inc. Mirna Ramirez - La Rosa Realty LLC Troy Rapier - Re/Max Blue Water Debra Ray - Florida In Motion Realty Inc Soranger Rey - Watson Realty Corp.

Madeline Reyes - Premium International Realty Nidia Reyes - La Rosa Realty LLC Alan Riley - Orlando Buy A Villa Inc. Andre Rimmer - Rockrose Realty Cristina Rios - Homs Realty Group Inc. Laritza Rivera - La Rosa Realty LLC Luz Rivera - La Rosa Realty LLC Sheila Rivera - Keller Williams Classic II Realty Wilfredo Rivera - Robert Slack Fine Homes LLC Abbie Rocker - Rocker’s Lockers Manuel Rodriguez - La Rosa Realty LLC Yelixza Rodriguez - I Properties Gallery INC Mariam Rodwell - C21 Blue Sky Realty Group Louis Roman - La Rosa Realty LLC Enzor Rosa - Homs Realty Group Inc. Gaspar Rosado - Agent Trust Realty Corporation William Ross - Keller Williams at The Lakes Juan Rubio - Exit Realty Champions Jorge Ruiz - Agent Trust Realty Corporation Vanessa Ruiz - Agent Trust Realty Corporation Alejandra Said - Premium International Realty Jurol Saintvil - La Rosa Realty LLC Natalia Salazar - La Rosa Realty LLC Ayehizy Salomon - Dina Realty Group, Inc. Sergio Sanchez - B Live Real Estate Jose Sanchez Sustache - National Real Estate LLC Sorayis .Sandoval - Keller Williams Classic II Realty Juliana.Sanzone Rovai - Sweet Homes Realty LLC Lauren.Savickas - Murray Insurance Agency, INC Matthew.Scheidt - Weichert Realtors Hallmark Pro Yonkiel.Sendoya Reyes - Transcontinental Realty Group Shawn Senecal - Rental and Realty Group Faroog Shamieh - Weichert Realtors Hallmark Pro Wayne Shaw - Exit Realty Champions Jennifer Shaw - Keller Williams at The Lakes Teresa Shivers - Premium Properties Real Estate Services Alyssa Sizemore - Davis Real Estate Group David Slaughter - Curb Views LLC Nicole Smith - Kissimmee Bay- Remington Golf Club Jason Solano - Solano Home Inspections INC Marianna Spinelli - R Lugo Realty Shane St. Denis - La Rosa Realty LLC Lauren Steiert - Keller Williams Advantage III Nicole Stone - BHHS Results Realty Farid Suleiman - The Homes Matchmaker Emil Sulieman - The Homes Matchmaker

Joelle Supply - Charles Rutenberg Realty Dinnelky Tavarez - Exit Realty Champions Jose Tavera - Robert Slack Fine Homes LLC Laura Taylor - Allegiant Management Group, Inc Jennifer Taylor - La Rosa Realty LLC Leila Torres - C21 Blue Sky Realty Group Jose Torres Alvarado - Watson Realty Corp Karynes .Tortolero - Premium International Realty Matt Toyens - Planet Fitness Michael Trattner - Advanta Realty Brandie Troxell - Watson Realty Corp Tara Urdininea - Coldwell Banker Ackley Realty Illich Valdera - Florida Real Estate Group, Inc Milena Valle - Viva Orlando Realty Inc. Mayra Valle - Keller Williams Advantage III Anthony Vargas - La Rosa Realty LLC Roosevelt Vargas - Urban Square Realty Inc Prescilla Vazquez Cosme - Agent Trust Realty Corporation Carlos Velez - Realstock Realty Catherine Vidal - Rockrose Realty Mark Webb - Keller Williams Advantage III Don Westerfeld - Lock Insurance Robert Whitcomb - Keller Williams Advantage III Fouad Yassa - Exit Realty Champions Joan Zabar - Homeland Florida Realty Inc. Miguel Zambrano - La Rosa Realty LLC David Zeckser - Frontline Florida Realty, Inc. Jeanne Zurewich - Watson Realty Corp

AFFILIATE

OFFICES Costa d’Este Curb Views Kissimmee Bay Country Club Locke Insurance Minto Communitiies Murray Insurance Planet Fitness Robert Anthony Florist Signature Promotions Solano Home Inspections VAREP Wells Fargo Home Mortgage