Real Estate News Source by Digital Publisher

Vol.III, No.I

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January 1, 2017

Congress Is Listening To VAREP By Pat Farrell

PRSRT STD U.S. Postage PAID San Antonio, Texas Paid Permit #1590

For five years now the Veterans Association of Real Estate Professionals (VAREP) has been very active on “The Hill” with requests for legislative action that will help our veterans understand and receive their benefits, especially as they relate to housing. For example, when the standard loan applications (Fannie Mae Form 1003/Freddie Mac Form 65) were examined, it was determined that there was no place on the form that even asked if the applicant was currently in the military or was a veteran. So after numerous visits to their legislators, by many VAREP members from around the country to address this issue, the application was revised on 08/2016 and when it becomes effective, will ask if the applicant or their deceased spouse ever served or is currently serving in the United States Armed Forces. Since it was established in 2013, the local VAREP Chapter has been able to send

from five to ten members each June to participate in Hill visits. This year as a result of their advocacy, Congressman Marc Veasey of Dallas introduced the act “Give Veterans Home Loan Choices Act of 2016” (H.R. 6320) which instructs HUD to include the VA Loan as part of the existing HUD “Consumer’s Informed Loan Disclosure” so people applying for the VA loan will have a side-by-side comparison with FHA and other loans to see if their choice is the best for them. If you would, there may still be time to contact your representatives to ask them to support this bill. In 2017 there will be additional veteran related issues that the organization will be addressing with their Senators and Representatives. It is important to know that membership in the VAREP does not require that you, as a real estate professional, be a veteran yourself but only that you are interested in learning more about the issues veterans face and would like to help work towards a resolution for as many of them as possible. The San Antonio Chapter meets monthly for an educational session on the third Wednesday from 11 AM to 1 PM (lunch is included – free for members and $5 for visitors) at the KB Home Training Room (4800 Fredericksburg Rd, San Antonio, TX 78229) Also, throughout the year, there are other events, some that specifically assist veterans and others that are provided for the membership. During 2017 the Chapter will sponsor two Housing Summits designed to provide veterans an opportunity to learn how to take advantage of their eligibility for VA home loans and of the various assistance programs that are also available to them. The first Summit will take place at Morgan’s Wonderland (5223 David Edwards Dr, San Antonio, TX 78233) on March 25th where free registration for veterans and family will begin at 8 AM with breakfast provided. In addition to

getting information concerning the ins and outs of qualifying for and actually obtaining a home loan, there will also be many service affiliated organizations present that can help veterans with land and home purchases (ex.,Texas Veterans Land Board) and with other needs such as insurance and health related issues. Following a provided lunch the afternoon sessions allow the veteran to learn if they do now qualify for a home loan, or if not, what measures they should consider taking to ensure they will qualify sometime in the near future. The first weekend in June (4th -6th), members of the Chapter’s Board of Directors along with other interested members will travel to Washington D.C. for the National Legislative Policy Conference where the issues scheduled to be discussed during the Hill visits will be reviewed. If you have not done so before, the process involved with visiting the Senators and Representatives is quite impressive and the legislators tend to respond more favorably when faced with the sheer numbers that VAREP is able to muster. Hopefully they will be able to report back with favorable results at the June 21st member meeting. The second Housing Summit for 2017 is tentatively scheduled for September 23rd and will be held at a venue that is based upon veteran needs at another location within the San Antonio Chapter’s coverage area. The format for this Summit will follow the same guidelines as the March event. The September 2016 Summit had about 150 veterans and their families in attendance and the experience so far has been that the number of attendees increases with each subsequent event. The VAREP 3rd Annual Stars and Stripes Golf Tournament will be held on October 6th at the Ft. Sam Houston Golf Course. This has been a very successful venture pitting the foursomes made up of real

estate professionals from various companies against one another, along with teams that include veterans. Again breakfast and lunch, along with golf cart use, are included in the entrance fee and the prizes to be awarded are certainly well worth the competition. Another feature of the event is the availability of a number of unique items up for bids during a silent auction. In October (15th – 17th) the VAREP Leadership Academy will take place in Orlando, Florida. The Academy is designed to educate, develop and empower current and future leaders within the VAREP organization by equipping them with the necessary tools to serve the military and veteran housing needs. Some of the certification courses available include Military and Veteran Housing Certification (MVHC), CreditSmart Military Module and Fair Housing Best Practices. Because of the timing for this event the monthly membership meeting will not be held. Aside from the Golf Tournament, most of the events mentioned here have seemed to be pretty serious, but there is fun on the horizon too. A Casino Night fundraiser is tentatively planned for May where all in attendance will have a chance to try their luck at an assortment of games. In addition to the regular member meetings, two Member Mixers are tentatively scheduled for the evenings of February 22nd and August 23rd with times and locations to be announced soon. And finally, in December the San Antonio VAREP Chapter will hold its 2018 Officer and Board Installation and Christmas Party. Dates, times and locations for the tentatively scheduled events will be discussed at the first educational meeting, on January 18th at KB Home, when Ron Nirenberg, City Councilman, will discuss San Antonio’s housing goals. You are invited to come and see what VAREP is all about!

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January 1, 2017

Reading Real Estate NewsSource Candi Meyer, RE NewsSource and Mike Meyer, Stewart Title reading NewsSource while in Mexico.

REAL ESTATE NEWSSOURCE A PUBLICATION OF PUGS PUBLISHING LLC

Publisher/President.....Courtney Smith Sales & Marketing .............Candi Meyer Cell - 557-8722 Contributing Writers: ......Cathey Meyer ..................................................Pat Farrell Columnists........................M’Lissa Steel ..........................................Scott Jauregui .............................Michele Bunting Ross Internet Marketing.................Jo Falkner Photographer........................Joyce Orts

(210) 508-0888 Real Estate NewsSource is not responsible for the opinions or facts expressed by non-staff writers or for errors and any byproducts in advertising or editorial copy. REALTOR® is a registered trademark. The word REALTOR® sometimes appears in this paper without the registered trademark symbol (®), for the purpose of saving space. Wherever the word REALTOR appears in this space, the registered trademark should be assumed.

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Send to: Real Estate NewsSource 10004 Wurzbach Road, #288 San Antonio, Texas 78230 E-MAIL: editor@renewssource.com

In Grand Turk, Chuck Berry, Coldwell Banker D’Ann Harper Realtors has his NewsSource at the ready.

Tina Mattingly and Laura Uribe-Tatum, both with Movement Mortgage have the NewsSource with them at a recent WCR Luncheon meeting.

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January 1, 2017

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From The Chairman’s Desk By Michele Bunting Ross Chairman, San Antonio Board of REALTORS®

Respecting the Past, Embracing the Future I am honored to serve as your 2017 Chairman. SABOR is a strong association because of the work of prior leadership and I will continue that legacy. I thank our past chairmen and presidents for setting us on our path. Our founders saw the importance of creating something bigger than themselves, something that would endure, something that would establish a Code of Ethics to assure each of us who joined didn’t just receive benefits like education and the use of MLS but something far greater – the creation of a profession with standards to uphold. As SABOR members we are all responsible for promoting and protecting our REALTOR® legacy. Today, we are a member organization, nearly 10,500 strong and growing. We represent the largest trade association in South Texas. We are currently #18 out of over 1,200 associations in the nation and #4 out of 80 in Texas. While that

sounds impressive, none of that matters if SABOR doesn’t serve its members’ needs. Leadership is central to our ability to thrive in a world of increasing complexity and change. Your 2017 Board of Directors needs your input and support so that we will continue to set a forwardthinking, visionary, member-driven course for our association. Our core leadership goals this year will be: • Improve communication • Respond to our members’ needs and concerns • Ensure our board remains a leader in the industry • Welcome and engage new ideas, embrace new technology and ways of doing business I promise to be responsive to your needs and be a voice for the members of SABOR. Please feel free to contact me at any time. Again, thank you for the honor of allowing me to serve.

J.R. Troy, Mila Blanton, Gail Lamb, Rebecca Byers and Cathy Heshmat, all ERA Troy.

Diane Gonzales, Noble Group with Annette Norman Guest at the WCR Installation.

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January 1, 2017

WCR Installation

Bob Jacobs, RE/MAX Associates and Angela Shields, SABOR.

Jerry Lockaby, RE/MAX Access and Valarie Wilshire, Independence Title.

Cathy Heshmat, ERA Troy, Susie Sheffield, CORIE Properties, Sylvia Seabolt, WCR and Sheila Moran Stanush, RE/MAX Access.

Anna Castro, Open Mortgage, Cecilia Sosa, North American Title and Debra Trimmier, Guest.

Danielle Perez, Gabriel Gonzalez and Megan Lacombe, all with Stewart Title.

Tiffany Wright, RE/MAX Access (2017 WCR President) with baby Zada.

Gwen Derry, Guild Mortgage and Scott Jauregui, Keller Williams Heritage,

Pat Farrell, Slater Realtors and Courtney Smith, Real Estate NewsSource.

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January 1, 2017

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January 1, 2017

PT50 and Japhet Builders Holiday Pop Up

Bill Dayson, Japhet Builders, Kelly Maizel, PT50 and Susan Jones, JB Goodwin.

Paige Japhet, Japhet Builders and Christina Villanueva, Guest.

Judy Mitchell, Keller Williams City Veiw, Pam Maxwell, Coldwell Banker D’Ann Harper, Jennifer Wilson, Keller Williams Legacy and Rhonda Jo Epperly, Keller Williams Heritage.

“Realtor LLC vs. Sole Proprietor A Major Difference in Taxes”

4th Friday of the Month at Pericos Sonterra

508 W. Rhapsody San Antonio, Texas 78216

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January 1, 2017

The Way I See It By Cathey Meyer

Electronic Resolve Cheers to the new year and all good thing to come! Although I foresee great challenges in getting thing done . . . With an open (and aging) mind, I hope to greet all new innovations But I fear my new electronics will soon be part of the great annihilation— As the pop-ups keep warning me of its expiration. My mobile phone may or may not catch fire; My Amazon Fire may or may not catch the deal of desire; My desire to network via face time Does not treat my sagging face kind And constant electronic feeds promote another drink of wine. I thought I purchased a ‘smart’ TV. Just turns out it is just smarter than me. My new cable company did not help the cause By requiring new fine print in the agreement clause— Now continuing that relationship gives me pause. Traditional news from the television set Along with my soap operas and game shows I regret Will no longer just appear with the click of a remote

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As the youngins install Netflicks and other foreign streams of note And assume I can work with the flick of an emote. Emote is their term for emogi—the use of picture in place of words; An idea that letters and numbers are only viewed by nerds Born in the 1900’s prior to internet, interpersonal relationships, Wireless communication, purchases at your fingertips, Easy identity theft, and excessive items of counterfeit. Cheers to 2017, a time of transition and change. No matter the mind taxing thought process of limited range, I resolve to keep the portals of acceptance and learning new stuff A constant effort of thinking off the cuff Before yelling in a crowded room, “THIS IS ENOUGH!” I resolve to allow my electronics to own me and tell how to feel; To understand that virtual reality might actually be real; To give up thinking someone will call and respond to my request Of communicating human to human in a virtual voice fest, And allowing Google to always know best. I reserve the right to mourn the loss of the good old days . . . And the traditional ways Of a simpler life before umbilical cord electronics, Daily used items not considered ergonomic And the reference to fat thumb texting as comic. Cheers to the new year and good things to come! I pledge to make my free time fun. That is assuming leisure and fun will still be around In ways that electronics will not keep us bound To beeps, rings and noise of electronic sounds.

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January 1, 2017

PT50 Awards Luncheon

Mary Carter, Kuper Sothebyâ€™s International Realty and Cynthia Lee, Keller Williams City View.

Ruth Horace, Keller Williams Legacy with Haley Catlett, Keller Williams City View.

Barbara del Amo, Stephanie Kelley and Sheryl Sepulveda, all with Keller Williams Legacy.

Jeff Japhet, Japhet Builders, Lynn Bradshaw, Frontier Title and Paige Japhet, Japhet Buiders.

Joan Adams, Steven Gragg and Jerri Smallwood, all with Keller Williams Legacy.

Melinda Hipp, Open Mortgage and Alberto Murillo, Houses in San Antonio.

Denice Brown, Independence Title and Jessica Christensen, Keller Williams Heritage.

Jackie Galvan, RE/MAX Preferred.

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January 1, 2017

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January 1, 2017

Cinderella Burns, Weichert Realtors, Corwin & Associates and Erin Biddle, RE/MAX Platinum at the Champions School of Real Estate Luncheon.

Dave Matlock prepares to cut the ribbon on the Matlock Information Center for the Pecan Crossing Subdivision in New Braunfels.

Rodney Jordon and Erika Ramon, both with Sitterle Homes at their Fronterra Westpointe Open House.

Cynthia Letayf-Cuervas and Betsy Ibarra, both with RE/MAX Associates at the David Weekley Homes Grand Opening at Prospect Hill.

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January 1, 2017

Mark Parker and Crystal Munoz, both with Full Spectrum Realty at the Sitterle Homes Open House in Fronterra Westpointe.

Stewart Knowlton and Marian Knowlton, both with Keller Williams Heritage at a recent Grand Opening.

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Our Real Estate Credit Union (TAP FCU), located on the second floor of SABOR, was actually established in 1978 by REALTORS® for REALTORS® and others in the real industry and is a member owned business. It is not always possible for people in this industry, whose income is not a constant, to meet the rigid loan requirements that were prevalent in the banking industry at that time and actually have become more restrictive over the years. TAP FCU continues to do today what it was founded to do in 1978 - help REALTORS® and other members of the real estate community. Were you aware that as a

January 1, 2017

member you are not just opening another account but are actually establishing a relationship with people who are interested in helping you succeed? You will never be just an account number to staff so that when you call you are not asked to select from a menu but rather will speak directly to a person who cares about what you want and will work tirelessly to help you get it. Many of our current members joined at the time, or shortly after TAP FCU was founded, and although they may have accounts at other financial institutions, they continue to use their account here to take care of much of their business.

Follow Us @renewssource Have you heard that, if you are a member, all of your family is also eligible for membership? We are never too young to learn about money matters so if you have children, nieces or nephews, TAP FCU gives you the opportunity to educate them on how to handle their own money. Each summer TAP FCU usually sets aside one Saturday when families will bring children for ice cream, cookies and other treats while they learn about money and have chances to win prizes. And again on one Saturday each December children will usually have the opportunity to meet Santa and pose for pictures with him, enjoy the many treats offered and vie for special prizes. Many children return to both sessions annually to meet with friends for the fun and to make additional deposits to their accounts. Did you know that some of the major loan products offered through the credit union are directly related to your business? For example, TAP FCU offers a very competitive interim construction loan that many of our approved builders are using because they have, over the years, been so impressed with the service they have encountered. The real

THE

estate division is dedicated to ensuring that all real estate related products work seamlessly for all concerned. Have you ever worked with a self employed buyer who has a more than adequate income and sizeable savings but does not fit exactly into the FNMA or FMAC requirements? Well, all may not be lost as TAP FCU is one of a relatively small number of financial institutions that offer portfolio loans, and that will be willing to look at all the buyer has to offer. When your buyer is able to demonstrate to TAP FCU that they are eligible for a portfolio loan, your transaction can be saved. Why should you consider becoming a member of your real estate credit union? For one reason, it takes only $5 to open a new account and you could be eligible for a low interest Master Card account and/or a debit card with no associated ATM fees (up to $15/Month), no matter where the ATMs are located. You, therefore, always have access to your money and are able to check on your account online 24/7. For more information stop by TAP FCU to learn about your benefits there, or check them out today at https://tapfcu.coop/.

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January 1, 2017

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January 1, 2017

Stewart Title Garden Ridge Grand Opening Denise Miller, Guest, Jeff Robinson, Stewart Title, Becky Maddox, Guest and Dianna Rhodes, Stewart Title.

Rachael Clutter, Debbie Keeland and Megan Lacombe, all Stewart Title.

Ribbon Cutting for new office.

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January 1, 2017

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Stewart Title Garden Ridge Grand Opening Rochie Carter, Tamara Settles and Kerry Alexander, all with CORIE Properties.

Jim Frank, Keller Williams Legacy and Mike Meyer, Stewart Title.

Tim Brown and Nancy Brown, both RE/MAX Corridor and Tracie McKee, Stewart Title.

Bessie Parker and Amanda Haden, both with RE/MAX Corridor.

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January 1, 2017

Perry Homes Grand Opening in Coleto Creek Erik Viereck,Perry Homes and Barbara Rucker, Keller Williams Boerne.

Christine Morse, Keller Williams, Boerne, Scott Harrock, Perry Homes and Sheri Bailey, Keller Williams Boerne.

Cathy Spain, Alamo Title and Rose Arredondo, Coldwell Banker D’Ann Harper Realtors.

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Company NMLS# 3274 Guild Mortgage Company is an Equal Housing Lender

January 1, 2017

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Perry Homes Grand Opening in Coleto Creek Farah Momin and Joan Wilson, both with Perry Homes.

Gretchen D’Amore and Andrea Hartley both of Axis Realty

Robert Rocha, BHHS Don Johnson with Susan Willis and Jana Baird, both Kuper Sotheby’s International Realty.

Diane Gonzales, Noble Group.

Happy New Year!

To All Of Our Partners And Friends!

(210) 493-1688 • (800) 598-1688 www.aptreloctr.com

Apartment rental assistance for long and short term needs. Corporate apartments.

SABOR Keeping Posted

January 1, 2017

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January 1, 2017

SABOR Keeping Posted

January 1, 2017

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January 1, 2017

SABOR Keeping Posted

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January 1, 2017

RE/MAX Associates in San Antonio Is Pleased To Announce New Designations

JACOBS

MCCORD

Broker/Owner Bob Jacobs has earned the prestigious Certified Real Estate Brokerage Manager (CRB) designation from the National Association of REALTORS. "This designation is the most respected and relevant designation offered in real estate management and is awarded

to REALTORS who have completed advanced educational and professional requirements. CRB Designees are better positioned to streamline operations, integrate new technology and apply new trends and business strategies." REALTOR Connie McCord has earned the Seller Representative Specialist (SRS) designation. "This designation is the premier credential in seller representation. It is designed to elevate professional standards and enhance personal performance. The SRS is awarded to real estate practitioners by the Real Estate Business Institute (REBI) and to those who meet specific educational and practical experience criteria." Congratulations to Bob and Connie.

Matlock Homes Welcomes Talamantez Matlock Homes would like to welcome a new Sales Counselor, Ray Talamantez to our Horizon Pointe Community. Ray began selling new homes in TALAMANTEZ 2009 and developed a passion for the industry. As a practiced new homes sales counselor, he brings with him

his experience and personal commitment to deliver outstanding client and realtor service. Ray works with honesty and enthusiasm. He trusts in his abilities to listen to the wants and needs of his clients, communicate with REALTOR partners, and deliver superior homes. His background in sales, finance, and mortgage lending provide him with a skillset that enables him to assist new buyers on the road to homeownership.

eXp Realty Welcomes Thompson eXp Realty, the Agent Owned Cloud Brokerage, is honored to welcome Sue Thompson as a new Agent Owner. Few embody more passion for life than Sue Thompson. THOMPSON She has over 40 years’ experience in the real estate industry as a successful, top producing Realtor. She has

also served as a Team Leader, actively recruiting, training, mentoring and growing an office of experienced Realtors with a focus on increasing profitability. Sue lives her life with passion and her enthusiasm is contagious and her desire to be of service is always obvious. She is experienced and works with integrity to get results! She will be one of the Best and most Fun Realtors you have ever worked with! To learn more about eXp Realty, visit www.ExplodeYourCareer.com

Gervitz Earns Military Relocation Professional Certification CENTURY 21 Scott Myers is proud to announce that Gary Gervitz, sales associate with the San Antonio office, recently added the Military Relocation Professional certificaGERVITZ tion to his professional offerings. The Military Relocation Professional certification, offered by the National Association of REALTORS®, is for real estate professionals who work with current and former military service

members, and that help them find the housing solutions that best suit their needs and to take full advantage of available benefits and support. "By earning the Military Relocation Professional certification, I have a better understanding of the processes and procedures involved in a military relocation and how these impact service members’ relocation and housing choices," said Gervitz. "I look forward to helping our nation’s heroes sell or find and purchase suitable homes, and guiding them through the real estate transaction process."

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January 1, 2017

The Dr. Herbert Harper, Jr. Memorial Scholarship Fund D’Ann Harper and Leesa HarperRispoli of Coldwell Banker D'Ann Harper, REALTORS® announced the unveiling of the Dr. Herbert E. Harper, Jr. Memorial Scholarship Fund. This newly established scholarship honors Leesa Harper-Rispoli’s father and D’Ann Harper’s late husband of nearly 45 years, Dr. Herbert E. Harper Jr. This scholarship in the amount of $25,000 is available exclusively for agents, employees, and their children, stepchildren or grandchildren. Students who plan to attend any community college, technical or vocation school, or a four-year college or university in the United States should submit their application along with a compelling reason why they would like to further their education. One renewable scholarship shall be awarded annually to the highest scoring

applicant each year. It is available for all areas of study at qualifying continuing education school. The deadline for this year is March 31st 2017. Full details and the link to the application can be found here: scholarship.cbharper.com “Our commitment to family has never been stronger. By celebrating the life and beloved memory of Dr. Herbert E. Harper Jr., we will continue the legacy of trust, partnership and innovation,” said CEO/Broker D’Ann Harper. Coldwell Banker D’Ann Harper REALTORS® can be reached at (210) 483-7004 or pr@cbharper.com and has been an affiliate of the Coldwell Banker Franchise System for over 30 years. Visit our facebook page and blog for supportive content and articles, as well as our YouTube channel

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January 1, 2017

SABOR Installation Awards

Denise Graves and Bill Graves, both with Phyllis Browning Company.

Bob Jacobs, RE/MAX Associates, Marietta Alba, Apartment & Relocation Center and Michele Ross, Bunting Ross Realty.

Past Chairs of SABOR.

The “Fur Sisters” Doris Harrell Noble and Annette Slater, both with Landlord Property Management and Candi Meyer, RE NewsSource.

Dianna Rhodes, Stewart Title and Art Saldana, imortgage with Debbie Keeland and Rachael Clutter, both Stewart Title.

Polly Keene, Chicago Title and Katie Griffin Ross, RE/MAX Associates.

Lisa Harder and Patsy Oakley, both with RE/MAX Associates, Missy Stagers, Coldwell Banker D’Ann Harper Realtors and Ron Sowell, RE/MAX Associates.

Michele Ross, 2017 SABOR Chairman and Bob Jacobs, 2016 SABOR Chairman.

Debbie Craig and John Craig, both with Key Realty.

Rachael Bruno and Sara Gerrish, both with RE/MAX Unlimited.