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CONTENTS

Message From GAR

Departments 4

Message from the President

Market Report Market Snapshot Jan 1 - Aug 30, 2012

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10

Feature The Right Agent

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On the Cover Yigo Home in the Hills September 2012 • Vol. 5 • No. 09

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Profile Janet Gerber Calvo Running the Extra

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Mile For You!

|Publisher| |Business Sales Manager|

How to D.I.Y.

Jay-R S. Dominguez

Quick Closet Fixes on a Budget

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P.O. Box 24881 Barrigada, GU 96921 Tel: (671) 472-3495 | Fax: (671) 472-3498 email: office@yellowpagesink.com

Home Finance Federal Housing Administration

|Display Advertising| Darrell T. Pereda Doris Pangelinan John Mendiola Emily Untalan

|Traffic/Circulation Manager| Josie Redmond

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How to D.I.Y. Graffiti Removal 101

|Production Manager| Mark S. Burke

|Graphics & Layout| 22

From the Experts The 6 P’s of Real Estate Marketing

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Curb Appeal Guttered Done!

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Who Ya Gonna Call?

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Classifieds

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Closing Guam Association of REALTORS® Home Ownership Matters

Mark S. Burke Edwin E. Valencia

|Editorial Contributors| Faye Varias Creative Services Cullen Adams Elizabeth Duenas Anthony R. Godwin Jo Granville Calvin Hernandez Peggy Araullo Llagas Deniece Menez Arlene Taitague Taitingfong Kevin Wright

By Elizabeth C. Duenas e-pro®, CRS®, CIAS®, REALTOR® Associate Broker RE/MAX Diamond Realty

F

irst Time Homebuyers get free money to cover closing costs!

My last article referenced a Law that was introduced by Senator Ben Pangelinan and passed into Public Law 31-227. A number of families have taken advantage of this program and are now Homowner's. What are you waiting for? Follow the Simple Steps Below - it is a great opportunity for first time Home buyers - on top of that interest rates also very low, don't be intimidated - ACT NOW! • Call a REALTOR to assist in the process • They can assist in getting you pre-qualified with a bank • Establish a Budget • Look at Homes (Realtor will provide a list of properties) • Select a Home • Make an Offer - Realtor will prepare Purchase Agreement • Need Earnest Money Deposit (needed to show sellers you are serious about the purchase - applied towards purchase price • Take the Homeownership Education Workshop (online acceptable link: www.ehomeamerica.org - it will cost $45 and is a 8 hour class) • Guam Housing will need - application for the grant, copy of the accepted purchase agreement, a loan commitment from the bank along with breakdown of payment and closing costs, a receipt and Certificate that you took the online class, verification of residency, Department of Rev & Tax Clearance, • Note: In order to qualify for the grant - You have to be a First Time Homeowner, U.S. Citizen or Permanent Resident Alien, a Resident of Guam for 5 years, the Total cost cannot exceed $250,000.00 (Purchase /Construction price and closing cost) • Guam Housing will give you a Certificate committing the funds for the purchase of your home • Close Escrow - YOU are now the proud owner of your own Home! For more information on the buyer process call a REALTOR Now! Si Yu'os Maase Liz C. Duenas

GUAM ASSOCIATION OF REALTORS® Cover Photo: Mark S. Burke CasaGuam is Published by:

The Voice for Real Estate on Guam Suite 236A Julale Center 424 West O'Brien Drive, Hagatna, Guam 96910 Office: (671) 477-4271 • Fax: (671) 477-4275

CasaGuam Advertising Disclaimer All Advertisers agree to hold the publisher harmless and indemnify it against any and all claims, losses, liabilities, damages, costs and expenses (including attorney’s fees) made against or incurred by the publisher, officers or employees with respect to, or arising out of, the content, text, graphics or representations of any ad published herein, including but not limited to the sole negligence and/or fault of the publisher. The publisher is not liable for any claims, losses or damages of any kind, arising from the wording, text, graphics or representations of any ad published herein, or the condition of the articles sold through the publication, or performance of services advertised in this publication. All advertising and/or performance of services advertising and/or submissions become wholly the property of CasaGuam Magazine. CasaGuam Magazine is a registered trademark of PTI Pacifica Inc. Copyright © 2008. All rights reserved. Reproduction in whole or in part in any form without the express written consent of the publisher is prohibited. We reserve the right to edit or refuse any ad and to reprint any photo for promotional use.


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Market Repor t

Market Snapshot January 1, 2012 to August 30, 2012 In the Villages Dededo, Guam’s most populous village is also #1 for single family home sales with 40 homes sold thus far this year at an average sold price of $218,045. Yigo, with an average sale price of $275,575, follows with 24 homes. Ten of the $300,000 home sales reported to the Guam MLS were sold in Yigo making the sold price average higher for the village. The central villages of Barrigada and Mangilao brought in 27 sales with average sold prices for both villages at just above $300,000. The four homes sold in Tamuning, averaged $396,750. At the top of the charts is Piti with an average sale price of $482,500 with 4 home sales.

The Under 300K Hot Spot! The number of homes sold under $300,000 continues to highlight activity in the single family home market with nearly 100 homes exchanging hands so far this year. An additional 11 homes above $300,000 have been sold since June bringing the total to 47 this year. It took nearly six months to sell a home in Guam from date listed to date closed.

REALTORS are Making Home Ownership Happen! Buyers and renters have an excellent selection of properties to choose from with just under 2,000 listings available in the 4 CasaGuam September 2012


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MLS. Interest rates have been hovering just above 3.5% making home ownership affordable for more of our population. A $10,000 grant program for closing costs for home purchases under $250,000 is now available. Seller concessions and credits are also contributing to market activity.

Will these conditions last forever? No. Supply and demand affect everything… including the purchase of a home. Interest rates on mortgages in Guam are based on the financial markets in the US. As the US financial markets improve, interest rates will most likely start to rise. As demand for real estate increases sellers are less likely to provide concessions and credits to buyers. As the number of properties available for sale decreases then the usual market response is an increase in prices. Property choices, low interest rates, help with closing costs and down payments… it’s an ideal time to buy!

Advice to Buyers! The signals to buy are everywhere… more choices! Low interest rates! Help with closing costs & down payments. These are the ideal conditions to make a home purchase.

Finding Properties Experts estimate that approximately 90% of buyers and tenants start their search on the internet. Nearly all real estate websites on Guam feature all properties from all real estate companies through the Guam MLS. Websites such as http://www.guamrealestate.com even allow you to create favorite folders, save searches and track properties that meet your requirements. When you are ready to make a move, contact your favorite REALTOR®. All data in this article is from the Guam Multiple Listing Service (MLS) for the period January 1, 2012 through August 30, 2012.

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Feature

The Right Agent

Identifying a REALTOR® from a real estate agent. Press Release

Have you ever wondered about the difference between a Realtor and a real estate agent? Aside from having a capitalized title, Realtors adhere to a very strict code of ethics and have to pass several licensure tests to earn the Realtor title. Here is a tidbit from the National Association of Realtors to give you some background.

The core purpose of the NATIONAL ASSOCIATION OF REALTORS® is to help its members become more profitable and successful. Vision The NATIONAL ASSOCIATION OF REALTORS® strives to be the collective force influencing and shaping the real estate industry. It seeks to be the leading advocate of the right to own, use, and transfer real property; the acknowledged leader in developing standards for efficient, effective, and ethical real estate business practices; and valued by highly skilled real estate professionals and viewed by them as crucial to their success. Working on behalf of America's property owners, the NATIONAL

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ASSOCIATION OF REALTORS® provides a facility for professional development, research and exchange of information among its members and to the public and government for the purpose of preserving the free enterprise system, and the right to own, use, and transfer real property. History The NATIONAL ASSOCIATION OF REALTORS® was founded as the National Association of Real Estate Exchanges on May 12, 1908 in Chicago. With 120 founding members, 19 Boards, and one state association, the National Association of Real Estate Exchanges' objective was "to unite the real estate men of America for the


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Feature

purpose of effectively exerting a combined influence upon matters affecting real estate interests." The Association's founding boards included the Baltimore; Bellingham, Wash.; Chicago; Cincinnati; Cleveland; Detroit; Duluth, Minn.; Gary, Ind.; Kansas City, Mo.; Los Angeles; Milwaukee; Minneapolis; Omaha, Neb.; Philadelphia; St. Louis; St. Paul, Minn.; Seattle; Sioux City, Iowa; and Tacoma, Wash., boards and the California State Realty Federation (now the California Association of REALTORS®). The Code of Ethics was adopted in 1913 with the Golden Rule as its theme. In 1916, the National Association of Real Estate Exchange Association of Real Estate Boards (NAREB). That same year, the term “REALTOR,” identifying real estate professionals who are members of the National Association and subscribers to its strict Code of Ethics, was devised by Charles N. Chadbourn, a past president of the Minneapolis Real Estate Board. The collective marks REALTORS® and REALTOR® were registered with the United States Patent and Trademark Office on Sept. 13, 1949, and Jan. 10, 1950, respectively, under Registration Numbers 515,200 and 519,789. Since then, the association has maintained a vigilant defense of the trademarks, prevailing in numerous cases. Most recently, in Zimmerman v. NAR (2004), the Trademark Trial and Appeal Board denied a request to cancel the trademarks. In 1972, the name of the National Association of Real Estate Boards was changed to the National Association of REALTORS® (NAR). The block "R" logo was adopted by the Association in 1973. The Association became the largest trade association in the United States in the early 1970s, with over 400,000 members. Today, the National Association of REALTORS® has over 1.2 million members, 54 State Associations (including Guam, Puerto Rico, and the Virgin Islands) and more than 1,400 local Associations.

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On The Cover

Yigo Home With a Harvest of Features! Charm And Sunshine Await You In This Eye Catching Home! The subtle touches inside makes this home different from the rest. Vaulted ceilings heighten the feeling of space. Neutral colored ceramic tiled flooring complements any interior decor. Maple wood kitchen cabinets for the gourmet cook. The transition from living room to dining and kitchen is highlighted by the arched and lighted opening - architectural flair! Quarter acre lot on the corner with plenty of room for the kids to play or for future expansion of the home And much more....! ONCE YOU SEE IT YOU'LL WANT TO OWN IT! Call for showing. Owner offers Buyer incentives. Ask for details.

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Profile By Deniece Menez

Running the Extra Mile for You!

J

Janet Gerber Calvo delved into the realty industry from the encouragement of her eldest son, E.J. “With the support of my husband and children, it was inevitable that I would succeed, “ she shared. Her son E.J. was also instrumental in introducing her to Anthony Godwin, her principal broker for almost twelve years. Since she has started as a realtor, Calvo has enjoyed the journey. “I love working with the people at Today's Realty. It is a genuine pleasure getting up every morning and going to work. [Being a realtor] has been a culmination of meeting so many people that makes my job so memorable. Initially clients, I now consider many of them my friends.” When asked about the major challenges she’s faced in the industry, Calvo names time management as the principal challenge. “I put in long days at work but always make time for my family. All my children are grown, married, and have children of their own. It is still very important to spend quality time with my husband, John, (35 years of marriage) and my darling grandchildren. With that said, between showings, listing properties and up keeping my MLS account, it is a challenge to keep up with the ever changing real estate landscape on the island. It's important to be a wellinformed realtor.” As much as she finds real estate exciting, Calvo has found that it requires a tremendous amount of hard work. Calvo plans to continue in real estate for a long time. “Whether it is finding a home for a family,

Janet Gerber Calvo

situating a business in a perfect location or assisting in the sale of property,

REALTOR®

I always look forward to the task at hand.” Company:

Today’s Realty

Husband:

John T. Calvo

Children:

E.J., John Paul, and Francesca

Motto:

“What goes around, comes around”

When she has free time, Calvo enjoys running. In fact, she juggles a 5 A.M. her nineteenth marathon (a marathon is a 26.2 mile run). She travels around the world running these races--San Francisco, New York, Washington, D.C.

to name a few. It is this particular hobby that has brought her to her motto for work: "Running the extra mile for you!"

Casa is a first class Magazine that affords the island with down to earth (no pun intended) Real Estate informati on and insight on Guam's beautiful homes and properties.

16 CasaGuam September 2012

run most mornings before she starts her workday. She also just completed


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H o w To D . I . Y.

Quick Closet Fixes on a Budget H ave you avoided organizing your closet because it just seems like a lot of work that will cost too much money to do it right? Well, there are ways to get your closet organized that will cost you next to nothing. You just have to get creative. We love working with closet organizers that give us great ideas on how to budget for a closetmake-over.

By Jo Granville

hanging bar. Do you have too many suits and heavy coats in there taking up too much space? Consider moving them to another room or using a rolling garment rack.

When you’re down to what you really need in your closet for daily use, think about investing a little into some higher quality hangers. Some hanger fit flat together, which saves you a lot more space than you might have imagines. Closet organizing professional have to work within a budget Cascading clothes hangers, specialty hangers, and hangers and it’s not always a lot. Good ones will come up with that adjust to your needs can help you to arrange your something amazing despite your budget, by giving you tips clothing in a way that works best for you. It doesn’t take a on how to get organized and stay that way without spending lot of money, but it might take a little trial and error. When much money. If you do have a budget, you may be better off you notice something not working, make an adjustment. choosing one or two major things and getting creative with Over time, you’ll figure our the best way to organize your personal closet. the rest, instead of investing in an entire closet system. Investing in a pricey closet system doesn’t always solve a lot of problems. It usually gives you a few more shelves and makes everything look nice, but it doesn’t necessarily give you a lot more space. In fact, having a bunch of shelves can sometimes take away the space that you did have by forcing you to separate things into tiny amounts. This can backfire by making you spread things out instead of truly getting them arranged more effectively. My favorite method is to figure out what kind of space you need for each thing that you want to keep in your closet. Measure how much space you’ll need for t-shirts. Do they take up more space folded than they do hung? How much space do you need for socks? Some people need one little neat drawer while others might need a bigger bin. Personalizing everything about your closet is the key to really getting it organized in a way that will work with you and your habits. After you get rid of what you don’t need and banish certain things from the closet, you still might be tight on space. If this is the case, you can make a few adjustments. Shelves are inexpensive. You can install a few shelves and use them to get sweaters, jeans, shorts, and other bulky items off the 18 CasaGuam September 2012

About the Author Jo Granville is on the staff of Only Hangers, a leading online resource for wood hangers, coat hangers and all types of clothes hangers which is recognized for the excellent quality and value of its wood hanger and coat hanger offerings. For more information, please visit http://www.onlyhangers.com Article Source: http://www.articlesbase.com/diy-articles/quick-closet-fixes-on-a-budget-5907585.html


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Home Finance

Federal Housing Administration By Calvin Hernandez n 1934, U.S. Congress created the Federal Housing Administration (FHA) to help stimulate the housing market and allow low- and moderate- income consumers become homeowners. To clarify, FHA is not a lender and does not give loans. While the bank grants the loan, the loan is insured and guaranteed by the Federal government. To put it simply, the FHA program promises the lender that FHA will pay them back if borrowers stop paying their mortgages. The FHA guarantee, therefore, reduces the risk to lenders, which makes lenders more willing to issue mortgage loans. Below is a quick overview of features and benefits of the program.

I

To qualify for an FHA loan, borrowers must occupy the property and cannot purchase homes for investment purposes. Another requirement is that borrowers must be a U.S. citizen or resident alien; however, specific guidelines exist for non-resident aliens. The program is geared to help low- and moderate-income borrowers by lowering the down payment requirements to as low as 3.5%. With conventional loan programs, the typical down payment is 20%. FHA can also help borrowers with less than perfect credit history as the FHA credit score requirements can be lower than conventional loan programs. If borrowers had previously filed for bankruptcy, FHA has been able to help individuals 2 to 3 years after a bankruptcy discharge, as long as borrowers are able to provide proof that they have been maintaining good credit since the discharge. There are no income limits with FHA; however, the program does limit how much a person can borrow. The FHA max loan limit for Guam, which is considered a high-cost area is $625,500. The FHA program also allows higher debt-toincome (DTI) ratios. Housing expense should not exceed 31% of the borrower’s total income and complete monthly expense can be up to 43%. Conventional programs typically range from 28-41% DTI, respectively. Please be aware that the FHA program is not for everyone, as there is a cost for having a lower down payment. The offset of having a low down payment will be the requirement of Mortgage Insurance Premiums. The current FHA structure requires an up-front mortgage insurance premium (UFMIP) of 1%, which can be added to the loan request and can help minimize the out of pocket expense from the borrower. FHA loans also have an annual mortgage insurance premium (MIP), which is collected with your mortgage installment payments. The monthly MIP required is dependent on Loan to Value (LTV) and the term length of the loan. Beginning 04/18/11, the annual MIP for loans greater than 15 years, would range from 1.10% to 1.15% depending on the LTV. For FHA loans with a term less than or equal to 15 years, the MIP would range from .25% - .50% depending on the LTV. MIP terminates based on the loan term and LTV, as well. For loans over 15 years, MIP has to be paid for at least 5 years, before the MIP can be terminated. For loans less than 15 years, MIP will be terminated once the LTV is at 78% irrespective of the length of time the borrower has paid the MIP. So the basic rule of thumb for buyers is, if they have a limited amount of savings for down payment, FHA may be an option to allow homebuyers the ability to purchase a home sooner. If borrowers can afford 20% down, then a conventional loan may be preferred to avoid additional mortgage insurance premiums. If you have further questions about the FHA program you can visit the following website http://www.hud.gov/buying/loans.cfm or visit your FHA authorized lender. CasaGuam.com 19


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H o w To D . I . Y.

Grafitti Removal 101

By Cullen Adams

raffiti Removalis a popular DIY type of service that many home, property and business owners often decide to attempt themselves.

G

There are some definite risks when not engaging a professional graffiti removal service company or contractor which this article will address, giving you the knowledge required to remove your own graffiti. If you are unprepared, the task at hand can easily turn into a bigger problem that you started with, plus cost more in time and money. The issue of most concern is the potential to cause damage to your property, damage that could be long lasting without expensive replacement costs. Before you begin, let me point out a step by step the basic run-down of removing graffiti from the viewpoint of someone who has close to 15 years experience in the industry. 1. Identify the substrate that the graffiti is present on. This will change the way the job proceeds totally. It will determine if pressure washing is required or not, plus determine the correct graffiti removal product to use. 2. Identify the type of graffiti. They type of paint used could present a factor. Identify what it is example: spray paint, marker, felt pen, regular pen. You will need to match a suitable product that is both compatible with the substrate and the graffiti type. The Paint Out Method By far the easiest and most cost effective way to remove graffiti is to simply paint it out. It is also safer because you are not dealing with potentially toxic paint or graffiti removers. If you can just paint over the graffiti, then you should color match it and paint over it. I have painted right many instances of graffiti, including: garage roller doors, metal fences and gates, electrical power boxes, painted walls, garbage bins, signs, posts and many other painted surfaces The Chemical Method If you are not able to color match the surface you are working with or if the removal is from glass, metal, a sign, then perhaps a chemical removal process is your best option. This could start out from simple paint thinners which would work well on glass along with a razor blade, up to harsher and stronger solvents which will 20 CasaGuam September 2012

require the use of personal protective clothing and equipment. Ensure the product that you do choose is both suitable for the graffiti material type and most important suitable for the building material you are removing from. The wrong product may cause damage and leave an aesthetically unpleasing result. For small tasks such as removing a spray painted graffiti or permanent markers from poles or posts, use a small amount of chemical with a cloth or brush. Handy style wipes are also available for particular jobs like these. Pressure Washing Method For masonry such as bricks, concrete, cement and some stonework, pressure washing equipment will be required. In most scenarios, this method will require the correct graffiti removal chemical to be utilized in conjunction with the pressurized water cleaning. About the Author Article Source: http://www.articlebase.com/diy-articles/graffiti-removal-101-5876108.html


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From the Experts

The 6 P’s of Real Estate Marketing

By Kevin Wright

3. Perfection- As a real estate professional, you should strive for perfection in all aspects of the home buying and selling process. We all know that nothing is "perfect", but we should do our very best to make sure that the client receives quality and unparalleled service. This is a goal you should always strive for. Holding yourself to high standards and possessing integrity can make a big difference. 4. Preparation- Provide all your sellers with information on how to prepare their home, common seller mistakes, and the home selling process. By doing so you are being proactive while saving time on the many questions your client will ask in regard to the processes. This aspect of real estate marketing could also fall under communication and feedback. ne of my past clients asked me how he should handle his clients in a tough market. He gave me a little background information on what he was currently doing and I suggested to him the "6 P's" of Real Estate Marketing. I strongly suggest applying the 6 P's to all real estate agents in any economy and in any market. Marketing in a way that is different from your competitors is the main factor in obtaining sales. I can't tell you how many real estate agents came to me after they lost a sale to another salesperson that does exactly the same marketing as they do. If you keep doing the same marketing techniques over and over again you're going to get the same results. So what are the 6 P's of Real Estate Marketing?

O

1. Positive Attitude- Make sure the sellers know how enthused you are about selling their home. Enthusiasm is contagious and they will be more inclined to accept your recommendations if you exuberate a positive attitude. It is important to remember that almost every person is attracted to people who emanate confidence, optimism, and sincerity. This will play a major part in attracting new business relationships.

5. Pricing- Explain to the client where your listing price sits in comparison to other similar properties. You want to give all sellers a comparative market analysis so that they will have the facts as to why you came up with the figure you have. If you are not providing clients with one you need to do so. The Comparative Market Analysis (CMA) compares a property to other similar homes in the neighborhood that are currently on the market or sold in the last six months. This will allow you to determine the best listing price for their home.

6. Pre-Listing Package - A Pre-Listing Package is the most powerful impression you can make on a seller. This is a package of information letting the client know about you and your company. It also explains to them how you are best qualified for all their real estate needs. The Pre-Listing Package is a great tool used to get clients excited about you and your company before the first appointment. You will not only differentiate yourself, but you will obtain more listings, income and referrals. By personalizing your package to meet your seller's needs, you are exuding professionalism and showing them that you truly care.

2. Promotion- There are various ways to promote listings and Approach all of your real estate endeavors with the 6 P's of Real increase real estate sales. Most likely you will be marketing to people in your sphere of influence (SOI). Your sphere of influence includes, but is not limited to, current and past clients, organizations, other agents, brokers and network groups, the MLS, etc. Another effective promotional tool is using a Pre-Listing Package, which is discussed later in this article.

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Estate Marketing and watch your business grow exponentially. Good luck and much success!! About the Author Kevin Wright is a real estate marketer, business coach and mentor. He has assisted many real estate agents build a profitable business in a short period of time by using a proven system. This revolutionary system can be found at http://prelistpackage.com Article Source: http://www.articlecity.com/articles/marketing/article_4923.shtml


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Curb Appeal

Guttered Done! By Arlene Taitague Taitingfong was inspired by the recent weather as I gazed upon the rain and noticed how much water accumulates around our homes. I noticed some homes had built-in rain water drainage systems and some didn’t. The homes without the drainage system had water flowing off the rooftops unto their front and back doors, patios, windows and water was - well, everywhere!

I

If you have a drainage system that catches or guides the flow of the downpour - then good for you. You are able to skirt past soggy shoes and water damage issues that are associated with our rainy season, such as flooding of your lawn, window sill water leaks and my favorite, warping of the front/back doors. For homeowners who DO NOT have a system built into their home, there is a solution that is available to you – GUTTERS. Gutters and downpipes Gutters are the first line of defense against rain, catching the water as it runs off your roof and funneling it into downpipes. An average house should have gutters wide enough to be able to handle a heavy downpour. Houses with a larger/wider roof than average may need bigger gutters to deal with the increased amount of water. Your gutters feed the rainwater into the downpipes. When choosing guttering you will find that PVC is the cheapest option, cast iron and cast aluminum is a mid range option, and formed aluminum the most expensive option. Being able to control the flow of your water is a big help during rainy season or if a storm decides to pay us a visit. One can harvest the rain and can reuse the water for watering plants, washing cars or other household uses. This is most useful during Guam’s most infamous typhoon season when sometimes power and water outages occur. I remember when we had a slew of typhoons pass our way many years ago, my family was able to catch the rainwater from the downspouts that came off our flat roof. Thank goodness my parents incorporated the downspouts into the house plans (my parents’ home is over 30 years old). Whenever there was a storm and the utilities were out, we always had a few large trash bins of rainwater which mom pulled from then would add a few drops of bleach so we can wash dishes, or boil a large pot full of the water so we can have some hot water for bathing, as well as have an ample supply for flushing the latrine. 24 CasaGuam September 2012

If you are looking to install your own gutters as a DIY project CONGRATULATIONS! I spoke to one of the larger home improvement stores in Guam, and one staff member explained that the installation of the gutters and downspouts were easy and their store will assist you in the “how to’’ of the project. It must be very easy as he reported that there have been many “weekend warriors” coming in and asking for assistance on installing gutters. Hmmm, must be the weather. If you already have gutters, check them regularly and make sure that water is not leaking over the edge, as this could be a sign of a possible blockage. Blockages are particularly a problem if you have trees overhanging the house. If you think you have a blockage, get your ladders out as soon as possible and clear it to avoid seeing an ugly damp patch appear in your home. Water damage to your roof is another subject altogether which I can cover in a future article. Until then, gutter done!


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W h o Ya G o n n a C a l l ?

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Classifieds Commercial Rentals

Barrigada

Dededo

2b/1b, near Subway with water $830/mo. Please call 637-7165 / 688-0887 / 689-3333

106 East Sta. Barbara, Dededo 4bed/1 ba

Dededo

Condo units - 3bd/1ba, renovated, $1100/mo & 3bd/2ba excellent cond. $1700/mo BUY SELL or RENT www.GUAMLISTINGS.com 482-6252/777-3728 MLS 12-509 & 12-523

3BD 2BA home with a spacious living room, wood laminated floors, landscaped garden, and more! Asking only $255K Call MAJUNI @ 689-2583

Popular Pia Marine 2 bedroom 2 bath units available for Month to Month Rentals. Utilities/Furnitures included with cleaning services. $2400.00. Call Nick @ 689-2939.

For Sale By Owner Summer Palace Estates Located close to Cost-U-Less in Harmon 4Bd/2.5Ba 2100 Sq. Ft. Home located in a secured gated community with swimming pool, tennis court, and playground. New granite countertop and tile floor throughout with typhoon shutters. $440,000.00 Please call 777-0951

Dededo

corner house, fenced, and gated. Centrally located close to church, school and malls. Asking $1,200/month. Call MYRNA @ 488-0144

Ordot-Chalan Pago Commercial space for rent. Approx 2155 sq ft. Ideal for laundromat, bakeshop, video store or retail business. Asking $2,500/mo. Please call ANGIE @ 727-2228 Commercial space for rent. Approx 850 sq ft., video store or retail business. Asking $850/mo. Please call ANGIE @ 727-2228

Tumon Fountain Plaza for Rent: Finally prime commercial space in the much desired Fountain Plaza. Own your very own business amongst the likes of many long time established busibesses already patroning this plaza. Where can you go wrong, San Vitores road frontage with ample space, there are no lossers and YOU are the winner. Asking $2,700/mo. Please call

Moving Soon? Nice 4 bedroom, 2 bath, gated carport, porch in front, A/C, great location, near Marine Corps Dr. Feel at home, Call 637-0222 today! Houses – 4bd/3ba, 2 car garage, appliances, central a/c, secured entry, gated community & 3bd Ypaopao Estates home, carport, renovated, $1300/mo 482-6252/777-3728 MLS 12-2432 Houses - 3bd/2ba, carport, a/c, appliances, $1300/mo & Paradise Estates home 3bd/2ba, 2 car garage, appliances, central a/c, secured entry, gated comm, 482-6252/777-3728 MLS 12-1255 3Bd/2Bd/1Bd located near schools/church/store and front of park Semi-Furn. Sec.8 & Military OK. Pls. leave message at 727-6456 Great spacious house located near Paradise Estates. 5bd/3bth. Section 8 okay with full security deposit. Call 646-9870/1 Dededo Villa Rosario - Spacious 3BR/2BA W/D, Pool, Security, Mailbox $1,650.00

Residential Rentals

3Bd/2Bd/1Bd located near schools/church/store and front of park Semi-Furn. Sec.8 & Military OK. Pls. leave message at 632-1200

Agat

Mangilao

DANIEL @ 687-5422

Tecio Tumon Villa: Nice two bedroom two bath condo located in Tumon. Condo is just a walking distance to the beach, stores, restaurants and nightlife. Asking $2,100/month. Call VIC @483-7518 Tumon 2bd / 2 ba + Den. excellent condition. Asking $1200. Please call 637-7165 / 688-0887 / 689-3333 / 477-7042 Tumon Penthouse for Lease: A Rare Penthouse, Oceanview unit is now available. This large 2 bedroom 2.5 bath Condo was upgraded and is in like new condition. Security, Full Back-up Generator, Pool, 2 parking all go along with your desire for the ''good life'' while on Guam. Water included. You CAN have the dream. Asking $3,800/month. Call DEANNA @ 688-2855 MLS 10-744 San Vitores Terrace Condo: 3bd/2ba, 3rd floor unit with oceanview, upgraded unit with new carpets, pool, security and basic cable TV. $1800. Call Coral Sea Realty 649-6088

Yigo

3 bedroom / 2 ba house, close to schools, stores, beach and church. Asking $1250.00. Call 649-8265 or 888-7447

Asan

Houses - 3bd/1.5ba, carport, renovated, appliances, & a/c Asking $195K & 3bd/2ba, huge yard, Asking $179K BUY SELL or RENT www.GUAMLISTINGS.com 482-6252/777-3728 MLS 12-2579 Paradise Estate Home - 3bd/2ba, 2 car garage, appliances, central a/c, typhoon shutters, secured entry, gated community, Asking $274,900 482-6252/777-3728 MLS 12-2026

Inarajan 2 bedroom / 2 bath on a living area of 800 sf and 5,526 Âą sm lot. Fixer upper home on a beautiful beach front property, over an acre in size. There is already Power&Water if you would like to rebuild. Asking for $628,054. Call DEANNA @ 688-2855

Nice house on a cul-de-sac street in Latte Hts. 4 bedrooms, 2 baths with all ceramic tiles and split a/c units per room. Newer kitchen counters and appliances. Fenced back yard. Has always been leased to military personnel for their tour on Guam. Asking $2,100 / month. Call DEANNA @ 688-2855

Perez Acres: 3 bedroom / 1.5 ba townhouse with extra room great for family room or office, gated and secured community, pool, mail delivery. Asking $1900 . Call CORAL SEA REALTY 649-6088

Latte Heights House with 3 br / 2 ba, ideal location w/ carport, fully fenced, gated, spacious yard w/ patio. Asking $200K. Please call ANGIE @ 727-2228

Tamuning

Residential Sales

Mongmong-Toto-Maite

Beverly Palms: 3bd/2ba, 2 story condo unit, w/pool, semi-furnished, appliances, high ceilings, & nice open floor plan BUY SELL or RENT www.GUAMLISTINGS.com 482-6252/777-3728 MLS 12-2250

Barrigada

Asan Beach House Newly Renovated, Fresh paint and ceramic tiles. Asking:

Perez Acres: 4 bedroom, 2 bath with pool & playground. Corner unit. Asking $1,900/month. Call SANDY @ 687-6006

3bd/2ba townhouse, 2 story, central a/c, typhoon shutters, excellent cond. $195K BUY SELL or RENT www.GUAMLISTINGS.com 482-6252/777-3728 MLS 11-4372

Mangilao

$2,200.00/mo. Call FRANK @ 479-4663 Asan 3bd./2ba. Ocean Views Newly Renovated - All ceramic tiles. New a/c's. Asking: $1,900.00/mo. Call FRANK @ 479-4663 26 CasaGuam September 2012

Barrigada Large 4BR/2Ba 1800sqft. House Only 243,000 637-7165 / 688-0887 / 689-7900

Exceptional 3bd and 3.5 ba home Enjoy the view, separate refrigeration and stove for the person who enjoys cooking, the pool and the great central location. Asking $630k Call JUDY @482-7775


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Classifieds Ordot-Chalan Pago

Yona

Quiet, Private, and centrally located 4 bedroom 3 bath house on a 1/2 acre lot. this would be great if you enjoy your privacy and appreciate being close to shopping malls, grocery stores, and schools. Asking $315,000. Call JOYLYN @ 488-5069 for a showing. MLS 10-2077.

Winward Hill Estates: Lovely 4 bedrooms / 2.5 ba with beautifully upgraded kitchen and bathrooms, nicely appointed living & dining spaces & bedrooms. Large, well maintained yard with lots of gorgeous plants, flowers, trees and a cozy verandah & spacious tool shop in the middle of it all! Come see this beauty in Yona. Asking $289,000. Call MARILOU @ 988-5600

Apusento Gardens Condo : Great price with seller financing. Just like you pay monthly rental, without bank fees. Downpayment is required. Asking $105k. Call JAMES @482-0498

Talofofo Fairly new 3BD 2BA home equipped with security, 2 car garage, covered back patio, and more. Priced at only $283K. Call MAJUNI @ 689-2583.

Newly renovated 4BR 2BA house with a huge covered patio on a 2,233sm lot. Call VIC today @ 483-7518 Baza Gardens - $169,000 - Best Deal! 3 BR 2BA corner lot home in great condition - call for details...Asking $169,000. Call LIZ @ 687-0911

Land For Sale

Tamuning

Chalan Pago

Condo units - 3bd/1ba, renovated, $125K & Agana Beach Condo, 3bd/3ba, beachfront, bank foreclosed, appliances, split a/c units, $500K 482-6252/777-3728 MLS 12-1565 & 12-1621

Chalan Pago LAND FOR SALE Wow! What a view you have to take a look at this large lot. Come see and fall in love! Only $210K. Call Century 21 Commonwealth Realty @ 649-2121.

Dededo Private and secluded Tamuning 3bed/1ba house with partial ocean and city view. Recently painted and upgraded with ceramic tiles, french windows and accordion typhoon shutters. Fenced and gated, and comes with 4 split A/Cs'. Asking only for $229K. Call MYRNA @ 488-0144 TAMUNING Executive 2 Storey Spacious House for Sale by Owner. Great location beside Cost-U-Less Tamuning and GPO. Great lifestyle and community environment with 5 bd/3ba corner lot; nice sized bd on 1st and 2nd flr; luxurious master suite w/ jacuzzi spa tub; quality granite staircases; hardwood railings; crown molding all over the house with open spacious kitchen and stainless steel appliances. Please call owner/lv msg at 727-6456.

Tumon Nice 2 and 3 bedroom condo with panoramic ocean view and city view and waliking distance from the shops and hotels. Please call George 483-9111 Century 21 CR.

Dededo Land 18585Âą Very Nice $85,000 637-7165 / 688-0887 / 689-7900. Dededo Lot with a fabulous view overlooking the city. Great potential for future development. $400K. Call HANA @ 777-3660

Merizo Enjoy the view when you build on close to 1 acre of property located on Guam's countryside fronting Route 4. Great size and great potential. Only $60K. Call JOYLYN @ 488-5069

Piti Turner Rd. - Channel 10 - (Nimitz Hill) Piti. 151,508 sq. meters of unobstructed ocean views Asking: $2,300,000.00 Call FRANK @ 479-4663

Tamuning R-2 Lot Call 646-7137 CasaGuam.com 27


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Closing

Message from the Executive Officer By Peggy Araullo Llagas

Home Ownership Matters

W

“What Matters Most” reminds homeowners, buyers and sellers alike that homeownership remains the foundation of the American Dream. On October 27, 2012, join your Guam REALTORS® at the Micronesia Mall center court from 10am to 5pm for a oneday opportunity to learn more about the A to Z of home buying. Hear it directly from the experts on the practical matters that you need to know. Most importantly, your Guam REALTORS® are available for you on site to get you started in becoming a homeowner. EVENT: Guam Association of REALTORS® Workforce Housing Opportunity and Expo DATE: October 27, 2012 (Saturday) VENUE: Micronesia Mall (center court) TIME: 10am to 5pm For more details, please call the Guam Association of REALTORS® office at 477-4271 or 479-4271. REALTORS® remain committed to keeping the dream of homeownership alive for generations of Americans to come. Ask if your agent is a REALTOR®. The Guam Association of REALTORS® .....your “voice for real estate.” Visit our websites at www.guamrealtors.com and www.guamhousingprograms.com For More Information Contact: Peggy Araullo Llagas, Executive Officer Guam Association of REALTORS® Suite 236A Julale Center 424 West O'Brien Drive, Hagatna, Guam 96910 Tel: (671) 477-4271 • Fax: (671) 477-4275 Mobile: (671) 689-4271 • www.guamrealtors.com 28 CasaGuam September 2012


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We speak Russian, Farsi, Chinese, Korean, Japanese, Filipino, and Chamorro facebook.com/Century21CommonwealthRealty

RENTALS

Flora Pago, Ordot-Chln Pago - 3Br/2.5Ba - $2,200 - #12-3220 Chln Piao Tutuka St., Ordot-Chln Pago - 3Br/3Ba - $2,450 - #12-3308 Chln Inda St., Ordot-Chln Pago - 3Br/2.5Ba - $2,500 - #12-3339 Pomika Apts., Tamuning - 1Br/1Ba - $700 - #12-3304

Mangilao $89K 2Br/1Ba #12-3209

Tamuning $360K 4Br/2.5Ba #12-3044

Yigo $215K 3Br/2Ba #12-3202

Barrigada $375K 3Br/3Ba #12-2245

Dededo $238K 5Br/3Ba #11-2805

Tamuning $550K 5Br/3Ba #11-2080

Tamuning $190K 2Br/2Ba #11-535

Tamuning $214,300 3Br/2Ba #12-2547

Tamuning $240K 3Br/2Ba #11-4145

Tamuning $299K 3Br/3Ba #11-4052

Tumon $215K 1Br/1Ba #12-704

Tumon $255K 2Br/2Ba #12-917

Yigo $185K 3Br/1.5Ba #11-51

Yigo $245K 4Br/3Ba #12-1355

Dededo $179K 3Br/2.5Ba #12-2856

Yigo $208,400 4Br/2Ba #12-918

Tamuning $125K Studio/1Ba #12-2945

Yigo $200K 2Br/1Ba #12-2326

Yigo $225K 3Br/2Ba #11-4151

Dededo $230K 3Br/3Ba #12-2899

Dededo $295K 4Br/3Ba #12-2737

Tamuning $365K 3Br/2Ba #12-2299

Barrigada $455K 4Br/5Ba #12-2642

Dededo $235K 3Br/2.5Ba #11-3852

Tamuning $1.3M Multi-Family #11-3824

MongMong-Toto-Maite$375K Multi-Family #11-1539

Pomika Apts., Tamuning - 2Br/2Ba - $1,000 - #12-3305 Pomika Apts., Tamuning - 2Br/2Ba - $1,000 - #12-3306

Tumon Heights Ct., Tamuning - 3Br/2Ba - $2,000 - #12-3302 Royal Gardens, Tamuning - 3Br/2.5Ba - $2,200 - #12-3063 Oka Tower, Tamuning - 3Br/2Ba - $2,400 - #12-2992 Mansanita Lane, Tamuning - 3Br/2.5Ba - $4,200 - #12-3170 Mansanita Lane, Tamuning - 3Br/2.5Ba - $4,200 - #12-3265 Villa Gi Papa Ladera, Tumon - 3Br/2Ba - $1,200 - #12-3160 Chln Binadu, Yona - 4Br/2Ba - $2,200 - #12-3225 Vince Crisostomo St., Barrigada - 3Br/3Ba - $2,500 - #12-2246 Golondrina Ave., Barrigada - 4Br/2Ba - $4,500 - #11-4224 Kalamaso, Dededo - 2Br/2Ba - $1,700 - #12-2417 S. Fakpe Ct., Yigo - 4Br/2Ba - $1,918 - #10-2726

Homes & Condos

Tumon Heights Ct., Tamuning - 3Br/2Ba - $1,400 - #12-2993

Las Palmas, Dededo - 3Br/3Ba - $1,700 - #12-2343 Untalan-Torres Ct., MongMong-Toto-Maite - 3Br/3Ba $2,200 - #12-2858 Munessa Lujan, Ordot-Chln Pago - 4Br/3Ba - $2,450 - #12-995 Alupang Cove, Tamuning - 2Br/2Ba - $2,100 - #12-957 Pia Resort, Tumon - 2Br/2Ba - $1,800 - #12-925 Perez Acres, Yigo - 3Br/2Ba - $2,200 - #12-2427 Perez Acres, Yigo - 4Br/3Ba - $2,200 - #12-1354 E. Liguan Ave., Dededo - 3Br/2Ba - $2,450 - #12-1712 Tumon Holiday Manor, Tumon - 3Br/2Ba - $2,450 - #12-3362 R.K. Plaza, Tamuning - 2,400sf - $3,000 - #12-3311

LAND

W. O’Brien Dr., Hagåtña - 8,320sf - $13,728 - #10-4164-

Barcinas, Inarajan - 1,346sm - $103,500 - #12-3281 Farfan St., Mangilao - 9,299sm - $469K - #12-3243 Monessa Lajan, Ordot-Chln Pago - 1,608sm - $210K - #12-3180 Padua Lane, Talofofo - 969.09sm - $55K - #12-3301

Commercial & Multi-Family

Cliff Line Rt. 4, Talofofo - 17,000sm - $935K - #12-3307 Ypao Rd., Tamuning - 4,233sm - $1.1M - #12-3315 Off Murrey Dr., Asan - 7,984sm - $650K - #09-1983 Kayen Edivides Kotes, Yigo - 1,853sm - $65K - #10-1038 Kayen Edivides Kotes, Yigo - 1,853sm - $65K - #10-1039

Yigo $5M Commercial #12-3100

Tamuning $1M Commercial #12-555


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CasaGuam Vol. 5 Issue 9