2016-2017 Affiliate Member Directory

FAAR CONNECT 2016-2017

Affiliate Member Directory

The

RealEstate

of

www.faarmembers.com

Table of Contents 2016 Leadership Team.................................................. 3 FAAR Staff....................................................................... 4 Meet-up.......................................................................... 5 Multilingual Members.................................................... 7 Benefits of Membership................................................ 8 2016 Committees, Task Forces, and Networks........... 12 FAAR Introduces REALTOR Ombudsman Program.... 14 Regional Government Officials.................................... 16

Welcome to the 2016-2017 FAAR Directory It is all about US! The Association covers the City of Fredericksburg, and the Counties of Stafford, Spotsylvania, King George and Caroline. Although some members do business in other counties (Orange, Westmoreland, Prince William, etc.), they have selected FAAR to be their primary association.

Agents, please use the services of our affiliate members who represent allied services in the real estate industry.

Young Professionals Network (YPN)............................. 19 Digital Directory............................................................. 20 School Board Contacts................................................. 22

FAAR MEMBER COUNT as of 3.31.2016

Local Utilities.................................................................... 24 RPAC............................................................................... 27 Real Estate Career Academy...................................... 28 FAAR Events.................................................................... 30

Agents - 1431 Real estate companies – 168 Affiliates - 124

Fredericksburg REALTORS® Foundation...................... 32 Get Ready. Get Set. Get REALTOR®............................ 34 RECA Road Shows......................................................... 38 Certifications and Designations................................... 40 Affiliate Directory by category..................................... 42 Affiliate Directory alphabetically................................. 50

Sentrilock Product Pricing Product pricing/per unit plus sales tax

Lockboxes Key Card Replacement Key Reader Replacement Key Box Battery Replacement (set of 2)

Top 10 REALTOR® Safety Tips........................................ 58

FAAR REBRANDING - WATCH FOR THE DROP! After twenty years of the FAAR logo depicting a house, a building, and land, FAAR is getting a new logo. The new image will touch off renewed dedication to make the next twenty years even more beneficial to the membership. It will also be a renewed commitment to give back to the community through charitable endeavors and a re-dedication to safeguard the right of home owners and property owners. FAAR’s school, Real Estate Career Academy (RECA), will be re-launched as the FAAR Academy with a new look.

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Fredericksburg Area Association of REALTORS® 2050 Gordon W. Shelton Blvd., Fredericksburg, VA 22401 | (540) 373-7711- phone | (540) 736-0301- fax www.faarmembers.com

$110.00 $10.00 $40.00 $8.00

2016 LEADERSHIP TEAM President

Christine Singhass, ABR Caroline’s Realty 826-A Caroline St. P.O. Box 125 Fredericksburg, VA 22404 housingopps@gmail.com

President-Elect

Linda Fosdick, ABR, CRS, GRI Dockside Realty 4634 Courthouse Rd. Mineral, VA 23117 (540) 895-9400 Linda@discoverlakeanna.com

Vice President

Kevin McGrath Long and Foster-Fredericksburg 1910 William St. Fredericksburg, VA 22401 (540) 371-5220 fredva@lnf.com

Secretary

Mark Geslock Century 21 Redwood Realty 10601 Courthouse Rd. Fredericksburg, VA 22407 (540) 785-2225 MGeslock@myno9to5.com

Treasurer

Arlene Mason Coldwell Banker Carriage House Realty, Inc. 520 William St., Suite A Fredericksburg, VA 22401 (540) 373-0100 arlene@cbcarriagehouse.com

Immediate Past President

Brooke D. Miller, ABR, GRI, CRS,CRB Long & Foster, Inc. - Fredericksburg 1910 William St. Fredericksburg, VA 22401 (540) 371-5220 brooke.miller@longandfoster.com

Directors Laura Fangman Nest Realty 510 Princess Anne St. Fredericksburg, VA 22401 (540) 316-0611 laurafangman@nestrealty.com Drew Fristoe Coldwell Banker Elite-Massaponax 4840 Southpoint Dr. Fredericksburg, VA 22407 (540) 735-2600 dfristoe@coldwellbankerelite.com Pam Kuper Century 21 New Millennium 1931 Plank Rd., Suite 201 Fredericksburg, VA 22401 (540) 373-2000 superpamkuper@gmail.com Erin Newbill Virginia C.U. Realty 1281 Central Park Blvd.

Fredericksburg, VA 22407 (540) 891-3187 erin.newbill@vacurealty.com Sandra Pearce, PMN Coldwell Banker Elite 990 Bragg Rd. Fredericksburg, VA 22407 (540) 548-2220 spearce@coldwellbankerelite.com Chip Taylor Century 21 Battlefield 15521 Real Estate Ave., Suite 100 King George, VA 22485 (540) 663-2000 connectwithchip@gmail.com

2016 Delegates to the VAR Delegate Body

President Christine Singhass President-Elect Linda Fosdick At-large Andrea Maitland

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Your FAAR Staff

Pat Breme, RCE, CIPS Chief Executive Officer pbreme@faarmembers.com

Lori Hillard-Wehr Membership Services Director lhillardwehr@faarmembers.com

Kim McClellan Governmental Affairs Director kmcclellan@faarmembers.com

Barbara Castillo Education Director bcastillo@faarmembers.com

Julie Carriger Marketing Director jcarriger@faarmembers.com

Chris Suttle Receptionist/Membership Services Assistant csuttle@faarmembers.com

e Sav the ! date

Sharon Toombs Financial Director stoombs@faarmembers.com

Lauren Zuza Webmaster / Communications Manager lzuza@faarmembers.com

FAAR EXPO

September 14, 2016 EXPO Floor only— FREE for Members!

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Meetup

GET INVOLVED

REAL TALK FAAR

MEETUP

Meetup is for all real estate agents and those in real estate related fields associated with the Fredericksburg Area Association of REALTORS速 who are interested in networking, idea sharing, engaging discussions, increasing business and learning from others. The goal of the meetup group is to forge relationships within the real estate community and to learn and grow from each other. (All FAAR members- REALTORS速 and Affiliate Members are invited to participate)

FOR MORE INFO CONTACT Chip Taylor connectwithchip@gmail.com

2016 Meetups April 21st

Date

Event

*all dates and locations subject to change

Venue

Adult Spelling Bee

Park Lane Tavern

May 19th

Family Feud

TBD

June 25th

Tubing on the Rappahannock followed by cookout sponsored by American Home Shield

TBD

July 21st

Lake Anna Beach Bash

Tims II

September 15th

Jeopardy

TBD

October 22nd

Scavenger Hunt

Hurkamp Park

November 17th

Pictionary

TBD

December 15th

Holiday Spectacular

TBD

December 16th

Acts of Kindness

TBD

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ALCOVA MORTGAGE Two convenient locations: Fredericksburg and Locust Grove BARRY MOORE ALCOVA Mortgage is a full service mortgage banker with more than 40 branches in

Branch Manager / Loan Officer NMLS ID# 73116

540.846.0477 Cell b.moore@alcovamortgage.com

9 states. We are this years FAAR Diamond Sponsor and selected 2015 Affiliate of the Year offering:

• 100% Financing • USDA / FHA / VA

TONY BOLDING

Loan Officer / Sales Manager NMLS ID# 892203

703.625.1132 Cell tbolding@alcovamortgage.com

• VHDA • Conventional • Manufactured Home Loans

KIM THAGHOLM Loan Officer NMLS ID# 482595

540.295.6674 Cell kthagholm@alcovamortgage.com

Fredericksburg: www.ALCOVALoans.com Locust Grove: www.LocustGroveLoans.com

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ALCOVA Mortgage, LLC | Company NMLS ID# 40508 NMLS Consumer Access: (nmlsconsumeraccess.org)

Call TODAY! 540.656.2869

Multilingual Members FRENCH Linda Caron, Century 21 New Millennium Fredericksburg, (540) 373-2000 x124

Sara Figerella, Coldwell Banker EliteStafford, (540) 659-2141

Mark Forror, Exit Real Estate Professionals, (540) 371-2002

ROMANIAN Ludita McDonald, Arista Real Estate, (540) 544-8423

GERMAN Tanja Allen, Keller Williams Superior Realty, (540) 785-2225

GREEK Bill Geronymakis, Keller Williams Superior Realty, (540) 840-2141

RUSSIAN Vassa Olson, RE/Max Corner Stone, (540) 972-1777 Donna M. Chandler, Century 21 Redwood Realty, (540) 898-2900

Ada Murphy, Coldwell Banker EliteFredericksburg, (540) 735-2600 Jaime Negron, Realty Management Group, 703-709-1011 Kristofer L. Nance, Nance & Associates, (540) 373-7474 Stephanie S. Nance, Nance & Associates, (540) 373-7474 Elsa Rake, Century 21 Redwood Realty- Stafford, (540) 659-2161 Denise Ramos, Virginia C.U. Realty (804) 267-5478

ITALIAN Melina Ogershok, Coldwell Banker Elite Stafford, (540) 659-2141

SHONA Mark Forror, Exit Real Estate Professionals, (540) 371-2002

KOREAN Young Cameron, 1st Choice Better Homes & Land, (540) 226-1226

SPANISH Maribel Barker, MACDOC Realty, (540) 479-6409

Jorge Saliceti, Berkshire Hathaway Homes Services Select Realty, (540) 684-1122

Kison Fenwick, Weichert Realtors, (540) 287-8036

Marina Caminos, Preferred Real Estate, (540) 841-4045

Pia Sanchez, Prime Realty LLC, (540) 684-1122

Kim Gunselman, Gunselman Realty Property Management, LLC, (540) 412-2707

Larry Contreras, Prime Realty LLC, (540) 898-4800

Madeline Soto, Q Real Estate, (540) 785-2225

Sharon Lee, Coldwell Banker Elite– Stafford, (540) 659-2141 PORTUGUESE Carla Criscuolo, Long & Foster Inc Fredericksburg, (540) 371-5220

Sara Figarella, Coldwell Banker Elite– Stafford, (540) 659-2141 José Flores, Coldwell Banker Elite– Stafford, (540) 659-2141 Elizabeth Manzano, Long & Foster, Inc. – Fredericksburg, (540) 371-5220

Jorge Robert, Coldwell Banker Elite – Stafford, (540) 659-2141

Kelly Gronau Dodson, Coldwell Banker Elite, (540) 972-9040 VIETNAMESE Sabrina Campbell, Exit Professional Real Estate, (540) 785-2002

The Foundation raised over $6,000 for the Thurman Brisben Center. Over the last three years, the Foundation has granted out over $32,000 to area non-profit housing organizations through the generous contributions of our REALTOR® and affiliate members, Pictured left to right: Natalie Holt, Donna Chandler, Mary Beth Rich, Kim Lally & Roger Trott of Thurman Brisben Center, Cindy LeBrun, Julie Carriger

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Benefits of Membership IT’S ABOUT US! The mission of the Fredericksburg Area Association of REALTORSŽ is to provide its members with the resources to deliver professional and ethical service and to advocate for issues impacting real estate. FAAR strives to accomplish this mission through a variety of services offered to members. Take advantage of these products and services today!

GENERAL Metropolitan Regional Information Systems (MRIS)FAAR is a stockholder member of MRIS which provides agents with member pricing.

Professional Staff- The staff of eight carry out the policies set by the Board of Directors. They are knowledgeable in their respective fields and dedicated to delivering stellar service.

Leadership- FAAR is recognized as a progressive association with capable leaders focused on providing relevant services and benefits to the membership.

Committees/Governance- The various groups of volunteers plan and execute an array of networking opportunities and ensure that the association operates according to NAR policies.

Strategic Plan- The Board of Directors reviews the Plan quarterly to track the implementation of its objectives.

A facilitated planning session occurs every three years.

Financial Stability- FAAR is financially solvent guided by sound policies and investment planning.

Office Visits- The staff and leadership visit real estate offices to bring information about the association and to address your concerns.

Affiliate Marketing Program (AMP)- Affiliates are given the opportunity to network more closely with members by sponsoring association events and programs. Activities are often free to the members because of the sponsorships of the AMPs.

Office visits by FAAR staff ramp up enthusiasm for March is for Members.

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Pictured: Exit Realty in King George Richard Snow with agents and staff

PROFESSIONAL DEVELOPMENT New Member OrientationOrientation gives members the chance to learn about what services the Association provides and also tools to make your business successful.

Continuing Education- Earn continuing or post license education credits or enhance your knowledge through a broad selection of classes taught by top-notch instructors.

Designations- Obtain special designations to advance your education and your career through various designation courses throughout the year.

Non-Credit Educational Opportunities- FAAR offers many opportunities for education that are outside of license renewal.

The 6-week Success Series provides new agents with handson tools and real life experiences

to help establish their business.

For veteran agents, FAAR offers many classes aimed at building your business to increase both productivity and profitability.

FAAR Expo- FAAR's premier education and networking event held every September. Get access to multiple hours of CE credit and visit with 90+ vendors.

Outreach Events- FAAR hosts a variety of outreach events in areas like North Stafford, Lake Anna, Caroline, and King George to bring both education and business building opportunities to all of our agents.

Networking/Committee Involvement- FAAR committees help you develop leadership skills and make valuable contacts.

Members can help shape the Association’s future.

Additional Events- Special events for members may include economic summits, transportation meetings, family fun days, bowling, and a variety of other opportunities to network.

Awards and RecognitionRecognition is awarded for outstanding achievements in your profession at the annual FAAR Awards Event and Installation Dinner.

Each February, REALTORSÂŽ and affiliate members descend on Capitol Square in Richmond to lobby their members of the General Assembly on issues of importance to real estate.

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Benefits of Membership COMMUNICATIONS Website and Facebook PageFAAR's website and Facebook pages are your online information resource available 24/7 for the latest news, events, MLS statistics, industry trends and feature articles.

E-Newsletters- FAAR provides an update each week focused on general association events, education, advocacy, and brokers. Open the emails to find out what's going on with the Association and industry trends.

Connect with us!

Click on the phone to go to the social media channel on screen!

PRODUCTS AND SERVICES

PROFESSIONAL STANDARDS

Professional Discounts- With your membership, receive discounts for a variety of services and products through FAAR, VAR and NAR vendors.

Code of Ethics- FAAR is devoted to increasing the level of professionalism of members and the public they serve. FAAR provides risk management courses, in-house arbitration and conducts ethics hearings.

REALTOR速 Store and Member Lounge- The REALTOR速 Store offers popular business items from sign riders to St. Joseph statues. The Member Lounge shares space in the Store and is a welcoming corner for you to catch up on paper work or to grab a cup of coffee and listen to the news. Need to access a computer? There is one available in the Member Lounge.

Lockbox and Key ServicesPurchase lockboxes and keys at the FAAR office.

Quarterly Market Statistics Reports- FAAR partners with MRIS to produce quarterly real estate reports that detail local market trends and provide a valuable narrative about why those trends are happening. FAAR provides a short, press release version and also provides a longer, agentfocused version packed with charts and graphs.

Notary Service- FAAR staff member, Lori Hillard-Wehr, is a notary public. Contact Lori at the office to schedule an appointment for free notary services.

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Mediation Services- FAAR works to resolve disputes between members.

Ombudsman Program- Added to resolve issues before they become a complaint

GOVERNMENT AFFAIRS Legislative Advocacy- FAAR is your voice in local, state and national government real estate issues, offering members the opportunity for direct involvement.

RPAC- RPAC supports candidates for public office who understand the real estate industry and will work to keep it strong. Relationships fostered through RPAC help REALTORS速 cut through government red tape to ensure that our members can keep practicing the profession they love.

Our association just got a little more friendly thanks to the new Ambassador program!

FAAR Ambassadors will be greeting members at major events to make sure you’re given a friendly welcome.

They’ll also be there to make sure that new members or first time attendees are introduced to other members and can assist with questions or finding a seat. They’ll be easy to spot - just look for someone at the entrance with a BIG smile and a Sash. Our Ambassadors will warmly invite you to another great, FAAR event!

SAVE the DATE

SAVE the DATE

Family Fun Day & Crab Feast

Halloween Mixer

7.24.2016

10.27.2016

*all dates and locations subject to change

Members attend the changing real estate regulations class, part of the free day of education.

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2016 Committees, Governance, External Groups Roster Joining a FAAR committee is a great way to get involved with the Association and network with fellow agents. FAAR has a multitude of options that appeal to every discipline within real estate and builds on the many talents of our members.

Non-Pro Education and Professional Development

Property Management Committee

Fredericksburg RE Foundation

Chair: Michelle Freemyers mfreemyers@ekkotitle.com Vice Chair: Sandi Sheehan sheeselz@aol.com Staff Contact: Barbara Castillo bcastillo@faarmembers.com

Network Organizer: Ashley Howard ahoward@cbeva.com Staff Contact: Kim McClellan, kmcclellan@faarmembers.com

Chair: Mary Beth Rich marybethrichrealtor@ Vice Chair: Cindy LeB cindysellsva@gmail.c Secretary: Tracy Mille tlmgrouprealty@gma Staff Contact: Kim Mc

kmcclellan@faarme

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Communication Technology Com

Awards Committee

Managing Broker Network

Chair: Bonnie Ramey bonnierameysellshomes@gmail.com Vice Chair: Corey Green corey.green@C21nm.com Staff Contact: Pat Breme pbreme@faarmembers.com

Chair: Michelle Caldwell Thompson mthompson@ctirealestate.com Staff Contact: Barbara Castillo bcastillo@faarmembers.com and Lori Hillard-Wehr lhillardwehr@faarmembers.com

Public Policy/ RPAC Committee

Young Professionals Network (YPN)

Special Events C

Chair: Suzy Stone suzystone22@gmail.com Vice Chair: Karin Haid karin.haid@baycountysettlements. com Staff Contact: Kim McClellan kmcclellan@faarmembers.com

Chair: Laura Fangman laurafangman@nestrealty.com Vice Chair: open Staff Contact: Lori Hillard-Wehr lhillardwehr@faarmembers.com

Chair: Sonia Kuppert sonia@statitle.com Vice Chair: Teunsha W realtorsha@mris.com Staff Contact: Julie C jcarriger@faarmembe

Chair: Sean Lando seanlando@yahoo.co Vice Chair: Sarah Stel sarah@nestrealty.com Staff Contact: Julie C jcarriger@faarmembe

External Groups Meetup

Women’s Council of REALTORS®

Chair: Chip Taylor connectwithchip@gmail.com

President: Carrie Danko

ofit

EALTORS®

carrieldanko@gmail.com

Governance Professional Standards

Budget & Finance/ Investment

h @gmail.com Brun com er ail.com cClellan

Chair: Alex Long long@ccim.net Vice Chair: Lynn Lenahan getwithlynn@gmail.com Staff Contact: Pat Breme pbreme@faarmembers.com

Chair: Arlene Mason arlene@cbcarriagehouse.com Staff Contact: Sharon Toombs stoombs@faarmembers.com

and mmittee

Leadership Development Committee

Grievance

om lmok m Carriger ers.com

Chair: Mark Geslock mgeslock@myno9to5.com Vice Chair: Laura Fangman laurafangman@nestrealty.com Staff Contact: Pat Breme pbreme@faarmembers.com

Chair: Dave Moberly davemoberly@aol.com Vice Chair: Cindy LeBrun cindysellsva@gmail.com Staff Contact: Pat Breme pbreme@faarmembers.com

Nominations Committee

Community Relations Committee

Chair: Brooke Miller brooke.miller@longandfoster.com Vice Chair: Linda Fosdick linda@discoverlakeanna.com Staff Contact: Pat Breme pbreme@faarmembers.com

Chair: Alexis Thomas athomas@goldstarfinancial.com Vice Chair: Natalie Holt natalie.holt@C21nm.com Staff Contact: Barbara Castillo bcastillo@faarmembers.com

embers.com

Committee

Williams-Hinnant

Carriger ers.com

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FAAR Introduces REALTOR® Ombudsman Program In order to comply with a new NAR mandate, FAAR and REALTOR® associations across the country have added an ombudsman program to their list of services. FAAR and five other associations in the area, Northern Virginia, Greater Piedmont, Prince William, Blue Ridge and Dulles Area Associations of REALTORS® already have a regional professional standards agreement in place.

The group now has launched an ombudsman program. Several FAAR members have been trained in the program and are ready to review requests from members and the public. Diane K. Disbrow, 2015 National Association of REALTORS® Professional Standards Committee Chair explained the Ombudsman program best in the following article.

So what is an ombudsman program?

The Ombudsman Program in its simplest definition is informal telephone mediation. In some cases it can address and solve minor complaints from the public.

The ombudsman can also solve inter-REALTOR® conflicts before they become serious problems.

Some complaints do not allege specific articles of the NAR Code of Ethics and many times they are transactional, technical and procedural questions that can be addressed by communication. Like a mediator, an ombudsman helps parties find solutions that everyone can be happy with.

How does it work ?

In most cases, the designated contact person at the local association; often the Professional Standards Administrator, listens to

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the callers complaint or concerns and then explains the ombudsman service if the complaint meets the associations criteria for an ombudsman to handle. The staff person also explains that if the ombudsman service is not successful in resolving the problem, the complainant may still file a formal, written ethics complaint with the Association. If the complainant accepts the ombudsman service, the staff person then relays the concerns to the ombudsman who contacts the complainant, listens to their concerns, clarifies that they understand the situation and ascertains what their desired outcome is. The ombudsman’s role is to communicate the concerns of one party to the other and seek a resolution so that a positive relationship between the parties can be restored. Let’s face it, most people don’t like conflict so it’s easier for a consumer or REALTOR® to contact the local association of REALTORS® to vent or voice their concerns than bring the problem up directly with the REALTOR® they are upset with. It’s so much easier with a neutral person who can be the gobetween.

Who are these ombudsman?

Typically, Associations of REALTOR® appoint members to be ombudsman who have a certain number of years of real estate experience and are familiar with the REALTORS® Code of Ethics, the professional standards process and have knowledge of their state real estate regulations and are active in the real estate business and understand the current real estate practices. The ombudsman

must be fair and credible, avoid making a judgment of who is right or wrong and can also not give legal advice to any party. Careful listening, summarizing the situation, determining what is most important to resolve the situation or make everyone satisfied and working toward that goal.

Why now?

The main reason is because it’s been so successful for associations that have a program in place. It seems that many members of the public are reluctant to file a written ethics complaint for several reasons; the process is too cumbersome and the paperwork is too hard to understand. They really just want someone to listen and help solve their problem. They do not want to fill out paperwork. Many times the problem is not a violation of our Code of Ethics and the complaint is dismissed. Even REALTORS® are often reluctant to file ethics complaints for similar reasons and also because they would rather not “rock the boat” and cause conflict with other members that they cooperate with on transactions. Many ethics complaints might be averted with enhanced communications and initial problem-solving capacity at the local Association level.

In reality, many association staff people have been providing services similar to that of an ombudsman for years since they are the first point of contact when a REALTOR® or consumer wants to file a complaint. In many instances, staff is successful in alleviating the concerns. However, that isn’t always the case. Consumers and our members really just want their story to be heard and having a team or

committee of qualified REALTOR® members serving as ombudsman available to assist in resolving disputes has met with great success. It shows that we really care about trying to help resolve the problem and also overcomes the perception that one REALTOR® may be trying to cover up for another and reopens communications between the parties.

The goal is to accelerate the ethics enforcement process and provide a means to clear up misunderstandings that members may not know exist.

This is a valuable service which can get a transaction back on track so the consumer has a positive real estate experience. It’s an opportunity to improve our professional reputation as REALTORS®.

that our customers and clients continue to have great relationships with REALTORS® who truly want to make sure they have a great real estate experience.

NAR aids REALTORS by publishing ethics case interpretations for REALTORS to learn by. Click the image or link below to go to these case studies listed on www.faarmembers.com/ professionalstandards.

Over the years, the mediation of monetary disputes between REALTORS® has been a huge success and mediation is the “preferred dispute resolution” process of the National Association of REALTORS®. Hopefully, the ombudsman program will have similar success. It’s a very positive step in providing an opportunity for the public and our members to resolve disputes without anyone having to file a formal complaint and insuring

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Regional Government Officials COMMONWEALTH OF VIRGINIA GOVERNOR Terry McAuliffe (D) Office of the Governor Common Ground for Virginia P.O. Box 1475 Richmond, VA 23218 Phone: (804) 786-2211 LT. GOVERNOR Ralph S. Northam (D) 102 Governor Street Richmond, VA 23219 Phone: (804) 786-2078 ATTORNEY GENERAL Mark Herring 900 East Main Street Richmond, VA 23219 Phone: (804) 786-2071 UNITED STATE SENATORS Mark R. Warner (D) 475 Russell Senate Office Building Washington, DC 20510 Phone: (202) 224-2023 Tim Kaine (D) 231 Russell Senate Office Building Washington, DC 20510 Phone: (202) 224-4024 UNITED STATES REPRESENTATIVES Rob Wittman (R) District 1 2454 Rayburn House Office Building Washington, DC 20515 Phone: (202) 225-4261 Dave Brat (R) District 7 330 Cannon House Office Building Washington, DC 20515 Phone: (202) 225-2815 Virginia General Assembly SENATORS Ryan McDougle (R) District 4 P.O. Box 187 Mechanicsville, VA 23111 District04@senate.virginia.gov Phone: (804) 730-1026

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Bryce Reeves (R) District 17 P.O. Box 7021 Fredericksburg, VA 22404 District17@senate.virginia.gov Phone: (540) 645-8440 Richard Stuart (R) District 28 P.O. Box 1146 Montross, VA 22520 District28@senate.virginia.gov Phone: (804) 493-8892 HOUSE OF DELEGATES Mark Dudenhefer (R) District 2 P.O. Box 657 Garrisonville, VA 22463 DelMDudenhefer@house.virgnia.gov 804-698-1002 William J. Howell (R) District 28 P.O. Box 8296 Fredericksburg, VA 22404 DelWHowell@house.virginia.gov Phone: (540) 371-1612 Robert “Bobby” Orrock (R) District 54 P.O. Box 458 Thornburg, VA 22565 DelBOrrock@house.virginia.gov Phone: (540) 891-1322

CITY OF FREDERICKSBURG CITY COUNCIL P.O. Box 7447, Fredericksburg, VA 22401 Phone: (540) 372-1010 City officials use a webform for email communications. Visit www. fredericksburgva.gov and click “Council Members” to access each elected official.

MAYOR Mary Katherine Greenlaw WARD 1 Bradford Ellis WARD 2 William C. Withers, Jr. WARD 3 Timothy Duffy WARD 4 Charlie Frye, Jr. AT-LARGE Kerry Devine AT-LARGE Matt Kelly CONSTITUTIONAL OFFICERS

Buddy Fowler (R) District 55 10321 Washington Highway Glen Allen, VA 23059 DelBFowler@house.virginia.gov Phone: (804) 305-8867

CLERK OF THE COURT Jeff Small 815 Princess Anne Street Fredericksburg, VA 22401 Phone: (540) 372-1066

Mark Cole (R) District 88 P.O. Box 41965 Fredericksburg, VA 22404 DelMCole@house.virginia.gov Phone: (540) 786-3402

COMMISSIONER OF THE REVENUE Lois Jacob 715 Princess Anne Street, Room 102 Fredericksburg, VA 22404 Phone: (540) 372-1004

Margaret Ransone (R) District 99 P.O. Box 358 Kinsale, VA 22488 DelMRansone@house.virginia.gov Phone: (804) 472-4181

TREASURER Brenda Wood 715 Princess Anne Street, Room 118 Fredericksburg, VA 22404 Phone: (540) 372-1001

SPOTSYLVANIA COUNTY BOARD OF SUPERVISORS

STAFFORD COUNTY BOARD OF SUPERVISORS

P.O. Box 99 Spotsylvania, VA 22553 (540) 507-7010

P.O. Box 339 Stafford, VA 22555 Phone: (540) 658-8600

CHAIR- CHANCELLOR DISTRICT Tim McLaughlin Phone: (540) 850-9092 TMcLaughlin@spotsylvania.virginia.us VICE CHAIR-SALEM DISTRICT Paul Trampe Phone: (540) 580-9073 PTrampe@spotsylvania.va.us BATTLEFIELD DISTRICT Chris Yakabouski Phone: (540) 424-1440 CYakabouski@spotsylvania.virginia.us VICE CHAIR-BERKELEY DISTRICT Greg Cebula Phone: (540) 940-9276 GCebula@spotsylvania.virginia.us COURTLAND DISTRICT David Ross Phone: (571) 594-0814 DRoss@spotsylvania.virginia.us LEE HILL DISTRICT Gary Skinner Phone: (540) 891-6610 GSkinner@spotsylvania.virginia.us

HARTWOOD DISTRICT Gary Snellings Phone: (540) 371-1610 GSnellings@co.stafford.va.us

ROCK HILL DISTRICT Wendy Maurer CHAIR-GEORGE WASHINGTON DISTRICT Phone: (540) 226-6589 Bob Thomas Maurerw@staffordcountyva.gov Phone: (540) 724-1702 BThomas@co.stafford.va.us CONSTITUTIONAL OFFICERS VICE CHAIR-GARRISONVILLE DISTRICT Laura Sellers Phone: (540) 226-6338 LSellers@co.stafford.va.us AQUIA DISTRICT Paul Milde Phone: (540) 658-7643 PMilde@co.stafford.va.us FALMOUTH DISTRICT Meg Bohmke Phone: (540) 373-2485 MBohmke@co.cstafford.va.us GRIFFIS-WIDEWATER DISTRICT Jack Cavalier Phone: (540) 207-5317 JCavalier@co.stafford.va.us

CLERK OF THE COURT Kathy Sterne Judicial Center 1300 Courthouse Road Stafford, VA 22554 Phone: (540) 658-8750 COMMISSIONER OF THE REVENUE Scott Mayausky 1300 Courthouse Road P.O. Box 339 Stafford, VA 22554 Phone: (540) 658-4132 TREASURER Laura Rudy 1300 Courthouse Road Stafford, VA 22554 Phone: (540) 658-8700

LIVINGSTON DISTRICT Greg Benton Phone: (540) 903-5216 GBenton@spotsylvania.va.us CONSTITUTIONAL OFFICERS CLERK OF THE COURT Christalyn M. Jett P.O. Box 96 Spotsylvania, VA 22553 Phone: (540) 507-7600 COMISSIONER OF THE REVENUE Deborah Williams P.O. Box 175 Spotsylvania, VA 22553 Phone: (540) 507-7053 TREASURER Larry Pritchett P.O. Box 65 Spotsylvania, VA 22533 Phone: (540) 507-7058

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Regional Government Officials TOWN OF COLONIAL BEACH

CAROLINE COUNTY BOARD OF SUPERVISORS

KING GEORGE COUNTY BOARD OF SUPERVISORS

18 N. Irving Avenue Colonial Beach, VA 22443 Phone: (804) 224-7181

P.O. Box 477, Bowling Green, VA 22427 Phone: (804) 633-5380

10459 Courthouse Drive, Suite 200 King George, VA 22485 Phone: (540) 775-9181

MAYOR Mike Ham (804) 224-7181 m.ham@colonialbeachva.net

CHAIR-BOWLING GREEN DISTRICT Jeffery “Jeff” Sili Phone: (804) 633-9084 jsili@co.caroline.va.us

CHAIR-AT-LARGE DISTRICT Ruby Brabo Phone: (540) 200-8640 Rbrabo@co.kinggeorge.state.va.us

MEMBERS Edward (Eddie) Blunt (540) 224-7181 e.blunt@colonialbeachva.net

VICE CHAIR-WESTERN CAROLINE DISTRICT Jeffrey Black Phone: (804) 633-5380 Jsb231@aol.com

VICE CHAIR-DAHLGREN DISTRICT John Jenkins Phone: (540) 200-8640 jenkinsje@co.kinggeorge.va.us

MADISON DISTRICT Clay Forehand Phone: (804) 314-3214 cforehand@co.caroline.va.us

JAMES MONROE DISTRICT Jim Howard Phone: (540) 644-9999 jhoward@co.kinggeorge.state.va.us

Wayne DiRosario (540) 224-7181 w.dirosario@colonialbeachva.net L. “Tommy” Edwards (540) 224-7181 l.edwards@colonialbeachva.net Wanda Goforth (540) 224-7181 w.goforth@colonialbeachva.net Michael (Mike) Looney (540) 224-7181 m.looney@colonialbeachva.net Burkett Lyburn (540) 224-7181 b.lyburn@colonialbeachva.net

MATTAPONI DISTRICT Floyd Thomas Phone: (804) 633-9237 fthomas@co.carolina.va.us PORT ROYAL DISTRICT Nancy Long Phone: (540) 621-9277 nlong@co.caroline.va.us REEDY CHURCH DISTRICT Reggie Underwood Phone: (804) 994-5834 runderwood@co.caroline.va.us CONSTITUTIONAL OFFICERS CLERK OF THE COURT Susan Minarchi P.O. Box 309 Bowling Green, VA 22427 Phone: (804) 633-5800 COMMISSIONER OF REVENUE Mark Bissoon P.O. Box 819 Bowling Green, VA 22427 Phone: (804) 633-9834 TREASURER Elizabeth B. Curran P.O. Box 431 Bowling Green, VA 22427 Phone: (804) 633-5291

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MADISON DISTRICT Richard Granger Phone: (540) 775-9604 rgranger@co.kinggeorge.state.va.us SHILOH DISTRICT Cedell Brooks, Jr. Phone: (540) 775-9465 Cbfh98@verizon.net CONSTITUTIONAL OFFICERS CLERK OF THE COURT Charles V. “Vic” Mason 9483 Kings Highway, #3 King George, VA 22485 Phone: (540) 775-3322 COMMISSIONER OF THE REVENUE Judy Hart 10459 Courthouse Drive, Suite 101 King George, VA 22485 Phone: (540) 775-4664 TREASURER Randy Jones 10459 Courthouse Drive, Suite 100 King George, VA 22485 Phone: (540) 775-2571

REAL TALK FAAR

YPN -YOUNG PROFESSIONALS NETWORK YPN works to promote professional relationships among members but specifically young real estate professionals and to support the REALTOR® community now and in the future.

This group facilitates the exchange of ideas and information in a neutral atmosphere while assisting FAAR in identifying and engaging future leaders. YPN serves the community through volunteer work to enhance the REALTOR® visibility and image.

GET INVOLVED FOR MORE INFO CONTACT Laura Fangman laurafangman@nestrealty.com

2016 YPN Calendar Date

April 12

Meeting

April 28

Event

Time

*all dates and locations subject to change

Venue

10 AM

FAAR

Happy Hour / Networking

5-7 PM

The Glens model home on Mtn. View Rd. in Stafford

May 17

Meeting

10 AM

FAAR

May 26

Happy Hour / Networking

TBA

Paddy’s

Jun 14

Meeting

10 AM

FAAR

Jun 30

Happy Hour / Networking

TBA

Vivify

Jul 12

Meeting

10 AM

FAAR

July 28

Happy Hour / Networking

TBA

Massaponax Bowling

Aug 9

Meeting

10 AM

FAAR

Aug 25

Happy Hour / Networking & Salsa night

TBA

TBA

Sep 13

Meeting

10 AM

FAAR

Sep 14

FAAR Tradeshow and Reception

All day

Expo Center & Buffalo Wild WIngs

Oct 8

Pub Crawl

TBA

Downtown Fredericksburg

Oct 11

Meeting

10 AM

FAAR

Nov 8

Meeting

10 AM

FAAR

Nov 17

Education Event

TBA

TBA

Dec 13

Meeting / Holiday Event

11:30 AM

Fortune Gourmet

19

Find a Member In order to best provide you with the timeliest information on our extensive REALTOR® network, our digital directory including contact information for ALL REALTORS® and Affiliates, can be accessed at www.faarmembers.com by clicking on the “Directory” link at the top of the homepage.

Clicking the find button will show ALL FAAR members alphabetically.

You may also search by last name or company name.

20

Affiliate Directory Want to access this information/document again?

A pdf version of this directory can be accessed at www.faarmembers.com by hovering on the “Directory” link at the top of the homepage and selecting “FAARConnect Affiliate Directory”

The Spring Awards Gala is a great opportunity for members to pull out their dancing shoes and celebrate REALTOR® achievements.

21

School Board Contacts CAROLINE COUNTY

SPOTSYLVANIA COUNTY

CITY OF FREDERICKSBURG

SUPERINTENDENT

SUPERINTENDENT

SUPERINTENDENT

Dr. Scott Baker

David Melton

STAFFORD COUNTY

TOWN OF COLONIAL BEACH

31 Stafford Ave. Stafford, VA 22553 Phone: (540) 658-6000 www.staffordschools.net

16 N. Irving Ave. Colonial Beach, VA 22443 Phone: (804) 224-0906 www.cbschools.net

SUPERINTENDENT

SUPERINTENDENT

16221 Richmond Turnpike Bowling Green, VA 22427 Phone: (804) 633-5088 www.caroline.k12.va.us

8020 River Stone Dr. Fredericksburg, VA 22407 Phone: (540) 834-2500 www.spotsylvania.k12.va.us

Dr. George Parker, III

KING GEORGE COUNTY 9100 St. Anthony’s Rd. Po Box 1239 King George, VA 22485 Phone: (540) 775-5833 www.kgcs.k12.va.us

SUPERINTENDENT

Dr. W. Bruce Benson

Robert Benson

day Call To 844 4 .

8 4 5 .

540       

817 Princess Anne St. Fredericksburg, VA 22401 Phone: (540) 372-1130 www.cityschools.com

Kevin Newman

Connor’S Pest Control

Termite Inspection & Treatment Well Testing Lead & Nitrite Testing General Pest Protection Construction & Repairs Lock Box Access One Year Warranty w/ Sale Inspection (Home must meet warranty criteria)

New Interactive Dashboard for Realtors!

With this tool, you can:  Request and schedule inspections for your properties  Monitor your upcoming or pending inspections  Link a payment method to ensure a safe and smooth payment process prior to the inspection  Track your completed or canceled inspections

It’s easy to get started. Just visit www.realtors.connorspest.com and create a profile.

22

DON'T MISS UT 09.14.16 FAARMEMBERS.COM/FAAREXPO

23

Local Utilities NATURAL GAS

WATER/SEWER

ELECTRIC

Columbia Gas (800) 543-8911 www.columbiagasva.com

Caroline County Department of Public Utilities 233 W. Broaddus Avenue Bowling Green, VA 22427 (804) 633-4390

Dominion Virginia Power Box 26666 Richmond, VA 23173 (888) 667-3000 www.dom.com

City of Fredericksburg Public Works 715 Princess Anne Street, Room L6 Fredericksburg, VA 22401 (540) 372-1023

Northern Neck Electric 85 St. Johns Street PO Box 288 Warsaw, VA 22572 (800) 243-2860 www.nnec.com

King George County Engineering and Public Works 10459 Courthouse Drive, Suite 200 King George, VA 22485 (540) 775-9181

Northern Virginia Electric Cooperative 2430 Poplar Road Fredericksburg, VA 22406 (888) 335-0500 www.novec.com

TELEPHONE Verizon Virginia 43 Bells Hill Road Stafford, VA 22554 (540) 720-9500 (800) 483-4000 www.verizon.com CABLE Comcast (800) 226-2278 www.comcast.com Cox Communications 1310 Belman Road (540) 373-6343 (888) 683-1000 www.cox.com MetroCast 11387 Ridge Road King George, VA 22485 (800) 633-8578 www.metrocast.com

Spotsylvania County Environmental Engineering 10304 Spotsylvania Ave., Suite 400 Fredericksburg, VA 22408 (540) 507-7222 Stafford County Stafford Administration Center 1300 Courthouse Road Stafford, VA 22554 (540) 658-8616

Rappahannock Electric Cooperative 247 Industrial Court Fredericksburg, VA 22408 (540) 898-8500 (800) 552-3904 www.rappelec.com

TRANSITION AND ESTATE LIQUIDATION SPECIALISTS We offer a complete solution for your transition, relocation and estate liquidation needs • Downsizing/decluttering • Professionally pack and unpack belongings • Traditional and online estate sales • Clear out and prepare home for sale • Clean home after sale

• Boomers and Seniors • Arrange for repairs and other handyman services • Assist in finding a qualified, reputable realtor that best suits your needs • Military and busy family services

Locally owned. Working only for our clients.

We take the stress out of changing your address!

Call for a free one hour consultation 24

STFBurg.com

540-847-2131

HISTORICALLY LOW! Interest rates are still at Historic Lows Make sure your clients are getting the best deal-

Send them to C&F Mortgage!

Call any one of our experienced loan officers to guide your buyers through the home buying process.

540.548.8855

25

It’s all about us!

Sherrie Shaw, Maria Nealis, and Lisa Berry are ready for Derby Day!

New member orientation brings in new faces!

Pat Kline and Rebecca Graff meet up with Meetup!

Vassa Olson and husband, Tom enjoying the annual bingo event!

Heather Frye and Lynn DeSena ready for another great FAAR event!

Mary Beth Rich, Natalie Holt, and Barbara Castillo are seen here with some of the nearly 12,000 cereal boxes collected for the fall cereal drive.

26

27

Real Estate Career Academy RECA continues to be a place you can take not only all the state licence required classes in a convenient two day seminar, but also a multitude of electives. We offer topics that are pertinenent to today’s real estate industry, including technology, trends, and all the latest changes in contracts and addendums. RECA is an approved school with both VAR and NAR and is proud to work together with these associations to offer designations and certification classes. Being a part of FAAR ensures all classes are written and coordinated with memberships needs in mind.

BENEFITS As a member benefit, members can attend RECA courses at a discounted rate. RECA is also a source of non dues revenue for the association. The revenue produced by RECA is used to minimize membership dues and support additional benefits to association members and the community.

In attending courses at RECA members can feel confident that they are RECA Instructors wanted! supporting the association, their community, the real estate industry and helping minimize their own dues while receiving quality education.

Do you want to elevate the real estate industry and INSTRUCTORS diversify your expertise while RECA is an award winning school offering quality and relevant curriculum supplementing your income designed by the knowledgeable members of the Fredericksburg and getting free continuing Association of REALTORS®, our talented team of instructors and RECA’s education credit? Look into Education Director. This unique group of 15+ individuals has over 150 years becoming a RECA instructor, of combined experience and the degrees, designations and certifications more information at www. to ensure the information you receive is the best in the industry. faarmembers.com/education.

ROADSHOWS RECA offers, competitively priced, complete seminars to help meet your state licensing requirements (Real Estate Post Licensing, Continuing Education, and Broker Management Courses). RECA will bring any of our classes to your office including technology, designations and certifications! To schedule a class at your office email bcastillo@faarmembers.com

ONLINE CLASSES

New courses are always being developed and added to our schedule. Please keep in the loop check out the information and resources on:

https://www.facebook.com/#!/FAARmembers

https://twitter.com/#!/FAARmembers

28

Too busy to attend a class in person?

Visit http://faarmls.theceshop.com/ for RECA’s online classes. Save time! Save money! It is convenient!

ALL NEW GRI CLASSES IN 2016!

The Graduate REALTOR® Institute (GRI) is an education program and designation sponsored

by Virginia Association of REALTORS® (VAR).

It is a nationally recognized by NAR and is one of the most popular designations among REALTORS®. This program focuses on developing and increasing participants’ professionalism and skill level in ways that positively affect their bottom line.

As business standards, legal regulations and technology changes, VAR is determined to maintain the best GRI program. In order to provide an exceptional learning experience to our REALTORS®, the GRI curriculum is currently under development, and will be unveiling the new curriculum in May 2016.

VAR has taken the original 14 classes that were each 8 hours long and completely revised the content. To meet NAR’s new standards, VAR has updated its REALTOR® Institute program to offer 10 classes, with most being six hours long, totaling 60 hours of coursework for the completion of the designation. VAR will continue to offer the program in partnership with our local associations, and is excited to announce all 16 hours of CE or 30 hours of PL requirements will be met when attending the 10 modules!

HUNTING FOR A LOAN? GIVE US A ROAR.

Buying, Building or Renovating?

We have the mortgage for you.

Fredericksburg Office 540-785-3320 www.LionBankMTG.com

Current GRI students, if your 5 year completion deadline was in 2014, 2015, or 2016, VAR will grant you an extension to 2017. VAR will work one-on-one with all students to make sure that you have the courses needed to complete your designation within a timely manner.

We understand that our current students have many questions about where they stand in completing their designation. If you have a specific inquiry or concern about the GRI, please contact Cailin@varealtor.com.

29

2016 AT A GLANCE Classes and Events BROKER MANAGEMENT 8 HOURS May 5 September 20 November 8 CONTINUING EDUCATION 16 HOURS April 12 April 14 June 7 June 9 August 9 August 11 October 11 October 13 December 6 December 8 POST LICENSING EDUCATION 30 HOURS August 16 April 12 August 18 April 14 October 11 April 19 October 13 April 21 October 18 June 7 October 20 June 9 December 6 June 14 December 8 June 16 December 13 August 9 December 15 August 11

30

CERTIFICATIONS AND DESIGNATIONS Negotiations – Day 2 April 5 ABR April 25 & 26 e-Pro May 17 MRP May 31 Generating Buyer and Seller Leads July 26 GRI TBA SUCCESS SERIES September 19-October 24 ORIENTATION DATES April 7 June 2 August 4 October 6 December 1 *all dates and locations subject to change

2015 CHAMBER GOODWILL AWARD WINNER

WE CLOSE THE DEAL. Providing outstanding service and expertise in real estate settlements to our community for 15 years with a team of trusted, knowledgeable professionals.

Fredericksburg 1010 Charles Street P) 540-310-4804

Spotsylvania 10708 Ballantraye Dr. , Suite 204 P) 540-891-4055

Stafford 11 Hope Road, Suite 215 P) 540-288-0205

WWW.THETITLEPROFESSIONALS.COM Members sign in at the free day of education event, part of March is for Members.

31

WE GIVE BACK Greater Fredericksburg Habitat for Humanity: $5,100 Thurman Brisben Center: $6,500 Empowerhouse: $7,000 Central Virginia Housing Coalition: $3,500

Alex Belcher Macdoc Realty alexbelchermdr@gmail.com (540) 845-5005 Natalie Holt Century 21 Redwood Realty natalie@c21redwood.com (540) 659-2161 Carolyn Liddell Sun Realty carolyn@suncompanies.biz (540) 259-9623

Donna Chandler Century 21 Redwood Realty donna@c21redwood.com (540) 273-0250

Loisann's Hope House: $3,500

2016 BOARD OF GOVERNORS

Mark Geslock Keller Williams Realty Mgeslock@myno9to5.com (540) 785-2225 Donna Schmidt American Home Shield dschmidt@ahslink.com (540) 413-6990

WE GIVE BACK

OUR MISSION IS TO PROVIDE GRANTS TO LOCAL CHARITABLE

ORGANIZATIONS AND THROUGH THOSE ORGANIZATIONS ASSIST AREA RESIDENTS STRUGGLING WITH HARDSHIPS THAT THREATEN THEIR ABILITY TO SECURE AND RETAIN SHELTER

32

M embership means...

...Owning your own home

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Apply NOW while the rates are still low at NSWCFCU.org The 15/15 Mortgage is an Adjustable Rate Mortgage (ARM). The term is 360 months. Your initial rate is locked in for the first 180 months. The rate for the remaining 180 month term will be based on the then current index plus margin. Rate caps include maximum increase/decrease of 4%. Lifetime cap of 4% over the initial rate. The rate and payment amount can increase after origination. Payment Example: A mortgage loan of $200,000 at 3.462% APR will have a monthly payment of $884.19 for the first 180 months. Taxes and insurance not included, your actual payment obligation will be higher. No subordinate financing permitted. Member eligibility required. All Credit Union loan programs, rates, terms, and conditions apply and are subject to change at any time without NSWC Federal notice. NSWC Federal Credit Union is Federally insured by the Credit Union NCUA. Contact the Credit Union for more details.

SAVE the DATE Installation 12.8.2016

33

Get Ready. Get Set.

Get REALTOR

®

It’s time for a brand new conversation about the value you bring to real estate transactions.

To remain standing through 100 years, a brand needs to be defended, promoted, and occasionally scrutinized to ensure it’s keeping up with the times. The National Association of REALTORS® has been on the forefront of that work since 1915, when the term REALTOR® was coined by a Minnesota practitioner. Research shows the REALTOR® brand enjoys a high level of recognition and trust among consumers. But does that mean buyers, sellers, and investors truly recognize the value of your expertise? Could more be done to connect with a new generation of consumers who favor a do-it-yourself approach to managing their lives? NAR leaders have been pondering these questions for some time and, in February, they announced a new focus for the association’s longstanding advertising campaign, one that powerfully positions the REALTOR® as consumers’ competitive advantage.

“It needed to be done,” says Colorado practitioner Keith Kanemoto, e-PRO, about 34

By Meg White

Here’s a glimpse into the making of the National Association of REALTORS®’ new digital-first advertising campaign.

the decision to shake up a successful ad campaign.

“We have a multibillion-dollar brand that we have spent over 100 years perfecting, and we don’t want it to appear old and stodgy in the eyes of the new consumer.”

Kanemoto was 2015 chair of the association’s Consumer Communications Committee, which recommended the shift. The new “Get Realtor®” campaign is a departure in that its message is direct and it relies less on traditional media to communicate the vital role you play in the real world of real estate. NAR brought in Boston-based creative agency Arnold Worldwide, known for the “Flo” commercials of Progressive Insurance, to guide a sophisticated strategy that uses content partnerships and social media messaging, as well as traditional advertising, to drive home your indispensability.

Content is posted at realtor. org, giving you an easy way to use the messages in your own social communities. Welcome to advertising for the millennial generation.

A Staunch Defender From the start, organized real estate has been concerned with promoting the message of trust and value to the public. One of the main topics discussed at the association’s first national meeting in 1908 was methods for publicly highlighting the benefits of working with members on real estate transactions. When he coined the word “Realtor” in 1915, Minnesota practitioner Charles Chadbourn had that goal firmly in mind. Chadbourn not only embraced the ideals of NAR’s founders—that an association would separate the true professionals from the “curbstoners, riffraffs, and sharks” that were out to swindle the public—he felt the members needed a professional title of their own.

The National Association of Real Estate Boards, as NAR was known at that time, agreed. The association adopted the term in 1916, paying Chadbourn one dollar for the rights.

Talk about the deal of the century. NAR has been the proud keeper and staunch defender of the “brand truth” ever since.

“If you look back at the old Board of Directors minutes, it’s clear that trademark protection has been of utmost importance since the beginning,” says NAR General Counsel Katherine Johnson. “REALTORS® were definitely on the forefront of establishing and protecting membership trademarks, even before the U.S. government was ready to tackle the issue.”

In fact, NAR couldn’t legally apply for federal registration rights to “REALTOR®” for three decades after it officially obtained the name.

The trademark was granted in 1949 after passage of the Lanham Act of 1946 allowed collective membership marks to be registered.

(The Trademark Act of 1905 had prohibited registration of “symbols of collective groups” until 1938.)

By the mid-1920s, an annual consumer outreach effort known as “REALTOR® Week” was being used as a convenient moment each year for state and local associations to launch initiatives and advertising campaigns. The first national version was held in March 1956, eventually replaced

by Private Property Week in 1976, and, in 1986, American Home Week.

In addition to running ads and helping local associations get the word out, NAR had the foresight to make connections with dictionary creators, editors, and publishers to ensure that the term “REALTOR®” was used correctly in print.

NAR and state and local boards have worked hard to enforce the association’s and members’ exclusive rights to the term. Federal and state courts have upheld those rights more than two dozen times. In 2015, NAR was a finalist for World Trademark Review’s Not-forprofit Organization Team of the Year award.

New Reality, New Strategy REALTORS® began advertising nationally in 1998 with the “Real Estate is our Life” campaign. Over the years, the advertising has enjoyed overwhelming member support—and no wonder. For national promotion, the $35 annual assessment that members pay is a bargain. But while the campaign message changed over the years to reflect the times, the medium remained largely traditional television and radio spots.

So in 2015, NAR tapped Arnold Worldwide to formulate a new media strategy. Arnold began by extensively researching the REALTOR® brand, diving into

BRAND VISIONARY Charles Chadbourn was rightfully dismayed.

It was December 1915, and as Chadbourn—a founder of the Minnesota state association—made his way down a Minneapolis street on his way to a board meeting, he was accosted by a headline.

“A news urchin on the street thrust a paper under my nose,” he later wrote in the National Real Estate Journal, “bearing the flaming headline, ‘Real Estate Man an Embezzler’ and importuned me to buy and read ‘all about the big scandal in a real estate office.’ ” Two years earlier, the National Association of Real Estate Exchanges (as NAR was then called) had approved a Code of Ethics, vowing to operate by the Golden Rule. But “buyer beware” still ruled the marketplace.

How, he wondered, might the public understand the difference between a mere real estate agent—with no commitment to professionalism—and an association member? He wanted a concise way to convey the trust and authority that defined the professional practice of real estate. So in the model of “doctor” and “lawyer,” he coined the term “Realtor.” Chadbourn successfully petitioned his local board in Minneapolis to begin using the word, and in 1916, he signed over rights to the term, making the national association its defender.

Learn more about the trademark centennial at 100years.realtor.

35

Get Ready. Get Set. Get REALTOR® agrees that the goal of the campaign isn’t to convince more people to use a REALTOR® as much as projecting a sense of vitality. “This isn’t a ‘we need market share’ branding campaign. This is about being relevant to the contemporary consumer and [ensuring] they understand our value proposition.”

A Realtor® knows everyone you need to know to make your home yours.

Based on your knowledge of Building codes, the Basement could definitely proBaBly Be finished. mayBe.

Realtors® are members of the National Association of Realtors.®

The result is an effort to engage DIYminded consumers who are used to resolving issues with a quick search or the click of a button and who may be fearful of reaching out to another human being for help achieving their goals. Arnold Worldwide contends that online real estate aggregators have given these consumers false hope that the homebuying process is simple. The “Get Realtor®” campaign aims to show them a bit of the complexity of the process and the competitive advantage that comes from working with a REALTOR®. The name is both a cheeky take on this wake-up call (as in, “get real”) and a more literal call to action to “get” a REALTOR®.

Fredericksburg Area Association of REALTORS® Fredericksburg, VA 540-373-7711

the fundamental elements of trust and dynamism. They found that consumers rated REALTORS® more trustworthy than both other real estate professionals and four real estate portal websites. But in terms of dynamism (as measured by innovation, convenience, technological advancement, accessibility, and other factors), the REALTOR® brand came out somewhere in the middle of that same group. Lisa Unsworth, chief marketing officer at Arnold, says the REALTOR® brand’s strong score on the trust measurement is a rare demonstration of market saturation. “Any other brand would be envious,” she says.

Todd Shipman, AHWD, GRI, an Edina, Minn. agent and current chair of NAR’s Consumer Communications Committee, 36

The campaign approaches outreach and market saturation in a new way. For decades, advertising was devised with TV commercials at the center, bolstered by ancillary radio spots,

billboards, and other media.

The strategy for “Get Realtor®” recognizes that consumers now have more control of their media intake. “Consumers are at the center, and their networks radiate out from that,” Unsworth says. Content will be present in social media and other digital spaces, where they are already spending their time, as well as traditional ad environments.

How the Past Builds the Future While working with 100 years of history can be a challenge, Unsworth says highlighting the legacy of the REALTOR® mark is an exciting task for Arnold Worldwide. “Those are the fun brands to work with,” she says.

“Some clients come to us and say, ‘We need you to create a brand’ and we’re like, ‘Uh oh.’

You don’t invent brands. It’s about revealing a brand truth.”

She compares the trademark to a diamond that only needs a little polishing to show its true value in today’s marketplace. “The equities of the REALTOR® brand are incredibly strong. The DNA of the brand is 100 years’ worth of work,” she says. “We’re tasked with honoring that work in a way that is culturally relevant and contemporizing the vehicles we use.”

Despite the many changes to the media landscape since the mark was created a century ago, the spirit of 1916 remains alive and well in the new campaign.

“Though we’re using digital video and social media posts

now, the overriding goal is the same as ever: to educate the public on the many benefits of working with a REALTOR®,” says Stephanie Singer, NAR’s senior vice president of communications. The campaign excels in its ability to reveal the many surprises real estate consumers may encounter, she says, and it increases their understanding of why they need ethical, professional help.

Charles Chadbourn would certainly agree.

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

Serving Realtors since 1967!

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Ask about our Crawl Space Encapsulation Program!

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37

RECA ROAD SHOWS QUALITY EDUCATION FOR YOUR AGENTS IN YOUR OFFICE AVAILABLE CLASSES Ethics Fair Housing Finance VA Loans Personal and Technology Marketing Meth Labs

ARE YOUR AGENTS MEETING THEIR LICENSE REQUIREMENTS? HERE'S HOW YOU CAN MAKE SURE THEY DO! RECA makes it easy with our road shows. Brokers can schedule any RECA class including certifications and designations with their choice of qualified instructors at their office. Don't have room to host a class? Host a private class for your agents at the RECA classroom located in the FAAR office.

Agency Escrow 2015 Contracts 2015 Addenda Broker Management Military Relocation Professional

Road shows require a minimum number of students, usually ten but dependent on the type of course.

YOUR SOURCE FOR REAL ESTATE EDUCATION FOR MORE INFORMATION AND PRICING CONTACT BARBARA CASTILLO, EDUCATION DIRECTOR, AT 540.373.7711 OR BCASTILLO@FAARMEMBERS.COM 38

Unlike other mortgage companies, Movement Mortgage gets it. We know that you work hard to grow your business. The last thing you need is a company that is lagging behind and holding you back. With this in mind, Movement Mortgage has created a driven and motivated culture dedicated to being the best in the industry. We have adopted excellence as a rule, not an exception!

Heather Frye

Nick Bohn

direct: 540.923.2891

direct: 540.907.5627

1125 Jefferson Davis Hwy, Ste 380, Fredericksburg, VA 22401

1125 Jefferson Davis Hwy, Ste 380, Fredericksburg, VA 22401

B R A N C H M A N AG E R / S R . LOA N O F F I C E R NMLS#: 213439

LOA N O F F I C E R NMLS#: 450883

Antonio Correia

Sara Foster

LOA N O F F I C E R NMLS#: 946401

LOA N O F F I C E R NMLS#: 1073110

direct: 540.645.6259

direct: 540.424.7484

1125 Jefferson Davis Hwy, Ste 380, Fredericksburg, VA 22401

923 Maple Grove Dr, Ste 209, Fredericksburg, VA 22407

Beth Goodwin

Pete Griffin

direct: 540.226.2402

direct: 540.834.8826

LOA N O F F I C E R NMLS#: 1227655

S E N I O R LOA N O F F I C E R NMLS#: 311979

1125 Jefferson Davis Hwy, Ste 380, Fredericksburg, VA 22401

4258 Germanna Hwy, Ste F1, Locust Grove, VA 22508

Shay Hollar

Michael Lee

LOA N O F F I C E R NMLS#: 969205

B R A N C H M A N AG E R /S R . LOA N O F F I C E R N M L S # : 5279 47

direct: 540.645.6274

direct: 540.645.6262

1125 Jefferson Davis Hwy, Ste 380, Fredericksburg, VA 22401

7851 Dolley’s Ct, Ste 13, King George, VA 22485

Lisa Nichols

Barbara Parks

S E N I O R LOA N O F F I C E R NMLS#: 193453

T R A N S AC T I O N C O O R D I N ATO R

direct: 540.718.4767

direct: 540.645.6270

1125 Jefferson Davis Hwy, Ste 380, Fredericksburg, VA 22401

13580 Groupe Dr, Ste 201, Woodbridge, VA 22192

Georgeanne Riddle

Linda Secrist

direct: 540.735.5022

direct: 540.645.6276

1125 Jefferson Davis Hwy, Ste 380, Fredericksburg, VA 22401

1125 Jefferson Davis Hwy, Ste 380, Fredericksburg, VA 22401

Melissa Simpson

Dave Walczak

direct: 540.645.6272

direct: 703.662.4322

1125 Jefferson Davis Hwy, Ste 380, Fredericksburg, VA 22401

385 G arrisonville Rd, Ste 105, Stafford, VA 22554

S E N I O R LOA N O F F I C E R NMLS#: 419848

LOA N O F F I C E R NMLS#: 221693

B R A N C H M A N AG E R / S R . LOA N O F F I C E R NMLS#: 213443

S A L E S M A N AG E R /S R . LOA N O F F I C E R N M L S # : 47 5 6 6 9

www.movement.com H e a t h e r F r y e - M D , VA - M L O - 2 6 4 2 VA | M e lissa | Antonio Correia - VA-MLO-26568VA

S i m p s o n - M D - 1 9 4 3 3 , VA - M L O - 2 6 4 3 VA | N i c k B o h n - VA - M L O - 2 3 6 9 3 VA , D C - M L O 4 5 0 8 8 3 | M i c h a e l L e e - VA - M L O - 1 1 7 6 6 VA , D C - M L O 4 8 3 8 9 0

| Pete Griffin - VA-MLO-21348VA |

- VA-MLO-6193VA | Shay Hollar - VA-MC-13745VA

Georgeanne Riddle - VA-MLO-1760VA

| Dave Walczak - VA - MLO-21797VA

| Linda Secrist - VA-MLO-24034VA, DC-MLO419848 | Beth Goodwin

| Lisa Nichols - VA MLO-2345VA, GA-41065, NC-I-160190

| Sara Foster - VA-MLO-18138VA |

Movement Mortgage, LLC is an Equal Housing Lender. NMLS ID# 39179 (www.nmlsconsumeraccess.org) | 877-314-1499. Movement Mortgage, LLC is licensed by MD # 19094, VA # MC5112, GA # 23002 and DC # MLB39179. “Movement Mortgage” is a registered trademark of the Movement Mortgage, LLC, a Delaware limited liability company. 841 Seahawk Cir, Virginia Beach, VA 23452. CPID 2666 | Exp. 1/2017

39

CERTIFICATIONS AND DESIGNATIO ACCREDITED BUYER’S REPRESENTATIVE® / ABR®

The Accredited Buyer’s Representative (ABR®) designation is designed for real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process.

2 day core class being offered at FAAR for the LOW price of $199 with Donna Austin Instructing!

April 25 & 26, 2016. Register at www.faarmembers.com

THE CERTIFIED REAL ESTATE BROKERAGE MANAGER (CRB) is one of the most respected

and relevant designations offered in real estate business 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. Join today and discover a new approach to enhancing knowledge and leveraging opportunity.

Visit REBInstitute.com

The National Association of REALTOR Societies, and Councils provide a w services that help members increas and knowledge. Designations and c experience and expertise in various awarded by NAR and each affiliated required courses.

REAL ESTATE NEGOTIATION EXPERT / RENE

This certification is for real estate professionals who want to sharpen their negotiation skills. The RENE certification program gives REALTORS® the tips and tools they need to be skillful advocates for their clients.Day 2 being offered April 5, 2016 with Matthew Rathbun Register at www.faarmembers.com

AT HOME WITH DIVERSITY® / AHWD®

Learn to work effectively with – and within – today’s diverse real estate market. The At Home With Diversity certification teaches you how to conduct your business with sensitivity to all client profiles and build a business plan to successfully serve them. Presented by the National Association of REALTORS® For more information on this course and its business principles, please contact us at ahwd@realtors.org

CERTIFIED RESIDENTIAL SPECIALIST / CRS

The CRS designation is the highest credential awarded to residential sales agents, managers, and brokers. On average, CRS designees earn nearly three times more in income, transactions, and gross sales than non-designee REALTORS®.

Presented by Council of Residential Specialists— Contact CRS at https://www.crs.com/about-us/ contact-us.

40

SENIORS REAL ESTATE SPECIALIST® / SRES®

The SRES® Designation program educates REALTORS® on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate, clients age 50+. By earning the SRES® designation, you gain access to valuable member benefits, useful resources, and networking opportunities across the U.S. and Canada to help you in your business.SRES® Designation program educates REALTORS® on how to profitably and ethically serve the real estate needs of the fastest growing market in real estate, clients age 50+.

Presented by SRES® Council—Contact SRES Council at sres@realtors.org

ONS

RS® and its affiliated Institutes, wide-range of programs and se their skills, proficiency, certifications acknowledging s real estate sectors are d group upon completion of

MILITARY RELOCATION PROFESSIONAL / MRP

NAR’s Military Relocation Professional certification focuses on educating real estate professionals about working with current and former military service members to find housing solutions that best suit their needs and take full advantage of military benefits and support.FAAR is offering this in the classroom May 31, 2016 with Arlene Roberts!

Register at www. faarmembers.com

NAR’S GREEN DESIGNATION / GREEN E-PRO®

NAR’s e-PRO® certification teaches you to use cutting-edge technologies and digital initiatives to link up with today’s savvy real estate consumer.

Presented by the National Association of REALTORS® Day 1 offered in the FAAR classroom May 17, 2016 with Sarah Stelmok instructing.

Register at www.faarmembers.com

Through NAR’s Green Designation, the Green REsource Council provides ongoing education, resources and tools to help real estate practitioners find, understand, and market properties with green features. Presented by The Green REsource Council­—Contact The Green REsource Council at greendesignation@ realtors.org

With Over 30 Years of Serving Central and Northern Virginia, Let STA Exceed Your Expectations

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41

Affiliate Directory by category FREDERICKSBURG AREA ASSOCIATION OF REALTORS速 AFFILIATE MEMBERS AS OF 3/21/2016

ADVERTISING/MEDIA Lindsey Sharpe The Free Lance Star 616 Amelia St Fredericksburg, VA 22401 (540) 368-5044 lsharpe@freelancestar.com Bill Smith The Free Lance Star 616 Amelia St Fredericksburg, VA 22401 (540) 368-5044 bsmith@freelancestar.com

APPRAISERS Nancy Brice A & S Associates 14536 Wagon Wheel Ln Bowling Green, VA 22427 (910) 520-9223 ansasoc@msn.com Tony Grubb Appraisal Tech 1135 Heatherstone Dr 8 Fredericksburg, VA 22407 (703) 291-1200 tonybuysandsells@gmail.com Stephen Barish Barish & Associates 4830 Parlow Rd Partlow, VA 22534 (540) 693-5373 barish.associates@gmail.com Charles Pinkard Charles Pinkard Appraiser 26058 Zion Rd Ruther Glen, VA 22546 (540) 847-9522 charlespinkard@gmail.com

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Richard Altstaetter Colonial Forge Appraisal Services 117 Autumn Drive Stafford, VA 22556 (540) 752-6656 appraisals@colonialforge.net Alvaro Delgado Delgado Real Estate, Inc 3330 Bourbon Street Ste 114 Fredericksburg, VA 22408 (540) 940-2728 adelgado85@earthlink.net Lisa P. Hockman, RAA Horizon Appraisals 6801 Tupelo Dr Spotsylvania, VA 22551 (540) 582-3147 horizonappr@comcast.net

Joseph P. Gibbs, III Joseph Phillip Gibbs Appraiser W/ Service Realty Inc. 10024 Kings Hwy King George, VA 22485 (540) 775-9690 philgibbsiii@mris.com Michael Moritz Michael A. Moritz 8249 Rozell Rd Woodford, VA 22580 (540) 786-4500 mike@bestappraisal.com Linda D. Schoultheis Road Runner Appraisal PO Box 5461 Fredericksburg, VA 22403 (540) 752-8159 RRAPPRAISALVA@gmail.com

ATTORNEYS Barry Clark Law Office of Barry Clark 104 Westwood Office Park Fredericksburg, VA 22401 (540) 374-9174 barry.clark@lclarklaw.com

Yvette Nageotte Nageotte, Nageotte & Nageotte, P.C. 385 Garrisonville Rd Suite #201 Stafford, VA 22554 (540) 659-5050 yvette.nageotte@nageottelawfirm. com Austin Wallace Shaheen Law Firm, PC 3920 Plank Rd #220 Fredericksburg, VA 22407 (540) 548-1235 austinwallace@shaheenlaw.com Erin Pitts Shaheen Law Firm, PC 3920 Plank Rd #220 Fredericksburg, VA 22407 (540) 548-1235 epitts@shaheenlaw.com

BANKS Melanie Parker Navy Federal Credit Union 128/51 Worldgate Dr Herndon, VA 20170 (540) 785-3565 melanie_parker@navyfederal.org Stephanie Lyles NSWC Federal Credit Union 2004 Augustine Ave Fredericksburg, VA 22401 (540) 361-2212 Stephanie.Lyles@nswcfcu.org Lynn Blatt Union Mortgage Group 4805 Lassen Ln Fredericksburg, VA 22408 804-370-4588 lynn.blatt@bankatunion.com Ruston Cowper Union Mortgage Group 4805 Lassen Ln Fredericksburg, VA 22408 (540) 842-8642 ruston.cowper@bankatunion.com

Gail Carr Union Mortgage Group 4805 Lassen Ln Fredericksburg, VA 22408 804-513-9351 gail.carr@bankatunion.com

COMMISSION ADVANCEMENTS Cecilia M. Yost Commission Express of Prince William 10432 Balls Ford Rd Ste 300 Manassas, VA 20109 (703) 881-7843 cyost@commissionexpress.com Adele S. Yost Commission Express of Prince William 10432 Balls Ford Rd Ste 300 Manassas, VA 20109 (703) 881-7843 ayost@commissionexpress.com

COMPUTER/IT SERVICES Eric Ruck True IT Services, LLC P.O. Box 693 Fredericksburg, VA 22403 (540) 373-8440 eruck@trueits.com

ENVIRONMENTAL SERVICES Michele P. Ware Drainfield Solutions LLC 15384 Nelson Hill Rd Milford, VA 22514 (804) 994-3391 Robert L. Ware Drainfield Solutions LLC 15384 Nelson Hill Rd Milford, VA 22514 (804) 994-3391 info@drainfieldsolutions.com

EVENT VENDORS Bonnie Martin Fredericksburg Hospitality House 2801 Plank Rd Fredericksburg, VA 22401 (540) 736-1006 bmartin@virginialandmarkhotels.com Stacy Moore Moore’s Balloon Décor 2501 Pottston Rd Fredericksburg, VA 22408 (540) 361-4742 moore@sweetsandballoons.com

HOME INSPECTORS Phillip C. Gamlin Amerihome Inspection Services P.O. Box 1722 Stafford, VA 22555 (540) 659-8484 officemanager@amerihomeinspect. net John Fields CJR Property Inspections 209 Old Landing Ct Fredericksburg, VA 22405 (540) 273-1059 john.fields@va-home-inspection. com Mel L. Cochran Cochran Home Inspection Services, LLC 1114 Patrick St Fredericksburg, VA 22401 (571) 388-3523 mel@CHIS-LLC.com Ron Miller CSI Home & Commercial Services 10822 Courthouse Rd Fredericksburg, VA 22408 (866) 996-4274 ron.m@csiofvirginia.com

Anthony Anderson CSI Home & Commercial Services 10822 Courthouse Rd Fredericksburg, VA 22408 (866) 996-4274 anthony@csiofvirginia.com Barry Robinson CSI Home & Commercial Services 10822 Courthouse Rd Fredericksburg, VA 22408 (866) 996-4274 barry@csiofvirginia.com Joseph R. Trombino, CRS Joe Trombino Inspection Services 5025 Sewells Pointe Way Fredericksburg, VA 22407 (540) 710-5889 trombinojoseph@yahoo.com Joel P. Webber Old Dominion Home Inspection Services 140 Embrey Mill Rd Stafford, VA 22554 (540) 847-4581 olddominionhis@yahoo.com Ronald Gary Pigeon Professional Inspection Services, LLC 123 Autumn Dr Stafford, VA 22556 (540) 841-1904 proinspectionsvcs@gmail.com

HOME WARRANTY COMPANIES Donna Schmidt American Home Shield 6074 Hamlin Cr King George, VA 22485 (540) 413-6990 dschmidt@ahslink.com

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Affiliate Directory by category INSURANCE AGENCIES

Diane Kelso Diane Kelso Insurance Services 601 Breezewood Dr Fredericksburg, VA 22407 (540) 710-9699 diane@dianekelso.com

MORTGAGE COMPANIES Tarina Leinenbach Alcova Mortgage 4530 Plank Rd Ste100 Fredericksburg, VA 22407 (540) 656-2869 tarina@alcovamortgage.com Tony Bolding Alcova Mortgage 4530 Plank Rd Ste100 Fredericksburg, VA 22407 (540) 656-2869 tbolding@alcovamortgage.com Barry Moore Alcova Mortgage 4530 Plank Rd Ste100 Fredericksburg, VA 22407 (540) 656-2869 b.moore@alcovamortgage.com Kim Thagholm Alcova Mortgage 4530 Plank Rd Ste100 Fredericksburg, VA 22407 (540) 656-2869 kthagholm@alcovamortgage.com Nick Lewis Atlantic Coast Mortgage 3800 Fettler Park Dr Ste 202 Dumfries, VA` 22025 (540) 272-2969 hlewis@acmllc.com Liz Conrad Atlantic Coast Mortgage 3800 Fettler Park Dr Ste 202 Dumfries, VA` 22025 (540) 318-6108 lconrad@acmllc.com

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Jolayne Craig Atlantic Coast Mortgage 3800 Fettler Park Dr, Ste 202 Dumfries, VA 22025 (540) 736-1304 jcraig@acmllc.com

Rodney Nichols Atlantic Coast Mortgage 3800 Fettler Park Dr Ste 202 Dumfries, VA` 22025 (540) 659-8631 rodney.nichols@ movementmortgage.com Laura Triplett Atlantic Coast Mortgage 3800 Fettler Park Dr, Ste 202 Dumfries, VA 22025 (571) 421-1699 ltriplett@acmllc.com Tanner Mulvihill Bayfield Home Loans 239 Garrisonville Rd Ste 202 Stafford, VA 22554 (540) 318-6108 tanner@bayfieldhomeloans.com Carrie Minnick BB & T Mortgage 760 Warrenton Rd Fredericksburg, VA 22406 (540) 322-5451 cminnick@bbandt.com Anne Betz BB&T Mortgage 400 George St Fredericksburg, VA 22401 (540) 322-5453 abetz@bbandt.com Arthur Smith Brand Mortgage Group, LLC 14000 Crown Court Ste 210 Woodbridge, VA 22193 (540) 898-4215 asmith@brandmortgage.com Tom Roberts Brand Mortgage Group, LLC 14000 Crown Ct Ste 210 Woodbridge, VA 22193 (540) 709-7927 TomRoberts@Brandmortgage.com

Brian Whetzel C & F Mortgage Corporation 2050 Gordon W. Shelton Blvd 1st Floor Fredericksburg, VA 22401 (540) 548-8855 bwhetzel@cfmortgagecorp.com Tracy Bray C & F Mortgage Corporation 2050 Gordon W. Shelton Blvd 1st Floor Fredericksburg, VA 22401 (540) 548-8855 tbray@cfmortgagecorp.com Anthony Campbell CMS Mortgage Solutions Inc 119 Byron St Chesapeake, AA 23320 (540) 850-0690 anthonycampbell.cms@gmail.com Melissa Okrasinski CMS Mortgage Solutions Inc 119 Byron St Chesapeake, VA 23320 (540) 562-8132 melissao@cmsmtgsolutions.com Corrina Carter CMS Mortgage Solutions Inc 119 Byron St Chesapeake, VA 23320 (757) 558-2603 cmsmtgsolutions@aol.com Pam Hicks Embrace Home Loans 2020 Lafayette Blvd Fredericksburg, VA 22401 (540) 785-3333 phicks@embracehomeloans.com Carol Coleman Embrace Home Loans 2020 Lafayette Blvd Fredericksburg, VA 22401 (540) 842-1484 ccoleman@embracehomeloans.com

Tammy Reid Embrace Home Loans 2020 Lafayette Blvd Fredericksburg, VA 22401 (540) 842-1484 tammy@nichollsauction.com

Kent Schrader Integrity Home Mortgage Corp.

4520 Plank Rd Ste 104 Fredericksburg, VA 22407 (540) 412-5612 kschrader@ihmcloans.com

John Reid Embrace Home Loans 2020 Lafayette Blvd Fredericksburg, VA 22401 (540) 842-1484 jreid@embracehomeloans.com

Scott Hine Integrity Home Mortgage Corp.

5885 Trinity Pkwy #105 Centreville, VA 20120 (703) 517-9732

Sanford Johnson Fidelity Bank Mortgage 1440 Central Park Blvd Fredericksburg, VA 22401 (540) 785-3353 Sanford.johnson@lionbank.com Mac Church Fidelity Bank Mortgage 1440 Central Park Blvd Fredericksburg, VA 22401 (540) 785-3333 mac.church@lionbank.com Philip King Fidelity Bank Mortgage 1440 Central Park Blvd Fredericksburg, VA 22401 (540) 785-3333 philip.king@lionbank.com Alexis Thomas Gold Star Mortgage 1320 Central Park Blvd Ste 200 Fredericksburg, VA 22401 (540) 786-4819 athomas@goldstarfinancial.com

Linda Sulser Integrity Home Mortgage Corp.

5885 Trinity Pkwy #105 Centreville, VA 20120 (703) 517-9732 lsulser@ihmcloans.com Scott Hine Integrity Home Mortgage Corp.

4520 Plank Rd Ste 104 Fredericksburg, VA 22407 (540) 412-5612 shine@ihmeloans.com Andrea Alemany Integrity Home Mortgage Corp.

4520 Plank Rd Ste 104 Fredericksburg, VA 22407 (540) 412-5612 aalemany@ahmcloans.com Chris Smorto McLean Mortgage Corp 11325 Random Hills Rd Ste 400 Fairfax, VA 22030 (540) 903-9623 csmorto@mcleanmortgage.com

Josie Ramos-Johnson Gold Star Mortgage 1320 Central Park Blvd Ste 200 Fredericksburg, VA 22401 (540) 220-8131 josierjohnson@goldstarfinancial.com

Heather D. Frye Movement Mortgage 1125 Jefferson Davis Hwy Fredericksburg, VA 22401 (540) 645-6267 heather.frye@movementmortgage. com

Jason Sullivan Integrity Home Mortgage Corp.

5885 Trinity Pkwy #105 Centreville, VA 20120 (703) 517-9732 jsullivan@ihmcloans.com

Heather Frye Movement Mortgage 302 Westwood Office Pk Fredericksburg, VA 22401 (540) 645-6267 heather.frye@movementmortgage.com

Melissa L. Simpson Movement Mortgage 1125 Jefferson Davis Hwy Fredericksburg, VA 22401 (540) 645-6267 melissa.simpson@ movementmortgage.com Michael Lee Movement Mortgage 7851 Dolley’s Ct Ste 13 King George, VA 22485 (540) 645-6262 michael.lee@movement.com Nick Bohn Movement Mortgage 1125 Jefferson Davis Hwy Fredericksburg, VA 22401 (540) 379-1502 nick.bohn@everbank.com Kimberly Bohn Movement Mortgage 1125 Jefferson Davis Hwy Fredericksburg, VA 22401 (540) 645-6267 kim.bohn@movement.com Scott Livingston Movement Mortgage “Premier Service Team” 302 Westwood Office Park Fredericksburg, VA 22401 (540) 809-4828 scott.livingston@movement.com Charlie Leonard Movement Mortgage “Premier Service Team” 302 Westwood Office Park Fredericksburg, VA 22401 (540) 809-4828 charlie.leonard@movement.com Carrie Fincham Sierra Pacific Mortgage 4112 B Innslake DR Glen Allen, VA 23060 (540) 718-0849 carrie.fincham@spmc.com

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Affiliate Directory by category Lex Sheriff Sierra Pacific Mortgage 4112 B Innslake DR Glen Allen, VA 23060 804-366-1494 lex.sheriff@spmc.com

Fred Elflein Tidewater Mortgage Services, Inc. 904 Princess Anne St Ste 202 Fredericksburg, VA 22401 (540) 847-5035 FElflein@TWMortgage.com Glen Lanford Tidewater Mortgage Services, Inc. 904 Princess Anne St Ste 202 Fredericksburg, VA 22401 (540) 847-5035 GLanford@TWMortgage.com Jim Martino Union Mortgage Group 4805 Lassen Ln Fredericksburg, VA 22408 (540) 735-2977 jim.martino@bankatunion.com Emily Ventura Vernam & Ventura Financial 406 Amelia St Fredericksburg, VA 22401 (540) 373-2150 Amy Vernam Vernam & Ventura Financial 406 Amelia St Fredericksburg, VA 22401 (540) 373-2150 amy@vernamandventurafinancial. com Terrence W. Beltz Virginia Housing Development Authority 601 S. Belvidere St Richmond, VA 23220 (804) 343-5747 bm10howe@gmail.com

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Brian Brooks Wells Fargo Home Mortgage 3447 Fall Hill Ave Fredericksburg, VA 22401 (540) 785-3301 brian.brooks@wellsfargo.com

ORGANIZING/ESTATE CLEANOUT Kim Moulds Smooth Transitions Fredericksburg LLC 9804 Danford St Fredericksburg, VA 22407 (540) 847-2131 kim@ smoothtransitionsfredericksburg. com

PEST CONTROL Eric Houston Colony Pest Control P. O. Box 41247 Fredericksburg, VA 22404 (540) 752-0815 erichouston76@gmail.com Dawn Boxwell Colony Pest Control P.O. Box 41247 Fredericksburg, VA 22404 (540) 752-0815 jjmm900@yahoo.com John McGee Colony Pest Control P.O. Box 41247 Fredericksburg, VA 22404 (540) 752-0815 jjmm900@yahoo.com Michelle Mullins Connor’s Termite & Pest Control 6307 Old Plank Road Fredericksburg, VA 22407 (540) 548-4844 michelle@connorspest.com

Mike Delossantos Connor’s Termite & Pest Control 6307 Old Plank Road Fredericksburg, VA 22407 (540) 548-4844 delossantos@connorspest.com Robin Mountjoy Connor’s Termite & Pest Control 6307 Old Plank Road Fredericksburg, VA 22407 (540) 548-4844 robinb@connorspest.com Dan Ferrell Ferrell’s Termite & Pest Control, Inc. 427 Haden Ln Bumpass, VA 23024 (540) 872-2616 ferrellstermite@aol.com Heather F. Yarnall Guardian Pest Services 4900 Trade Center Dr Fredericksburg, VA 22408 (540) 891-0330 yarnall.heather@gmail.com Nick Lupini Loyal Termite & Pest Control 2610 E. Parham Rd Richmond, VA 23228 (540) 604-5272 nlupini@loyalpest.com Justin Cuneo Loyal Termite & Pest Control 2610 E. Parham Rd Richmond, VA 23228 (540) 604-5272 Troy Wolfrey Perma Treat Pest Control 505 Lafayette Blvd Fredericksburg, VA 22401 (540) 370-4571 twolfrey@permatreat.com Joe Wilson Perma Treat Pest Control 505 Lafayette Blvd Fredericksburg, VA 22401 (540) 370-4571 jwilson@permatreat.com

Do you have clients looking for their dream home?

Help them start this spring.

Trust in your hometown mortgage lender today.

Embrace offers a variety of products including FHA, VA, Conventional, Fresh Start programs, Jumbo Alternatives, Approved to Move™, Investment loans, and so much more.

Call now!

John Reid

Loan Officer / NMLS# 293315

540.842.1484 jreid@embracehomeloans.com www.embracehomeloans.com/john-reid 2020 Lafayette Blvd, Frederickburg, VA 22401

Embrace Home Loans, Inc. NMLS ID # 2184 is licensed in GA (Lic#12848), MD, VA. (www.nmlsconsumeraccess.org)

47

December. All donated items were distributed before Christmas Eve and brought cheer to many need families!

FAAR would like to recognize the following offices and individuals for their generosity and kindness.

Affiliate Directory by category  Keller Williams Superior Realty

 Weichert, Realtors-Fredericksburg Jack Broome  Coldwell Banker Elite-King George Perma Treat Pest Control 505 Lafayette  Fredericksburg AreaBlvd Association of Fredericksburg, VA 22401 Realtors® Staff (540) 370-4571 Jbroome@permatreat.com  Vassa Olson and Family  Debbie Klingensmith and Friends Jason Fines Pest Now  Atlantic Coast Mortgage PO Box 2210 Ashburn,Express VA 20146  Commission of Prince William (703) 404-1921  Thejasonlfines@gmail.com Love Smith Team  1st Choice Better Homes and Land Jeffrey R. Huber  Coldwell Banker Carriage House Pest Now 2227 Country Rd  Caroline’s Realty Beaverdam, VA 23015 (540) 498-6829  Keller Williams Realty jhuber@pestnow.com  Coldwell Banker Elite-Stafford  Johnson & Glazebrook

TRADE ASSOCIATIONS  The Hospitality House

 Coldwell Banker Elite-Fredericksburg

Bea Phelps Fredericksburg Area Builders  Century 21 Redwood-Fredericksburg Association  Sanford Johnson 3006 Lafayette Blvdand Andrea Maitland Fredericksburg, VAFredericksburg 22408  Long and Foster, (540) 898-2730  The Gillies Team bphelps@fabava.com

 Fredericksburg Women’s Council

Sue Pinder MRIS of Realtors® 8615 Commerce Dr  EkkoMD Title21601 Easton, (888) 838-4234  Century 21 Redwoodsue.pinder@mris.net

Locust Grove  Mary Beth Rich and Natalie Holt

50% OFF First Month Select Units

Includes Use of

FREE

TITLE COMPANIES Michelle Bohn ATG Title Company 1320 Central Park Blvd Ste 200 Fredericksburg, VA 22401 (540) 752-1121 michelle@atgtitle.com Pamela Godfrey Bay County Settlements Inc. 1931 Plank Rd Ste 201 Fredericksburg, VA 22401 (540) 658-2162 p.wharton@baycountysettlements.com Karin Haid Bay County Settlements, Inc. 1931 Plank Rd Ste 201 Fredericksburg, Virginia 22401 (540) 658-2162 karin.whitley@ baycountysettlements.com

Building futures. One home at a time.

At BB&T, our local lenders keep us close to our clients. And our commitment to outstanding service helps make buying a home a little easier. So when you’re looking to buy, build, renovate or refinance a home, look first to BB&T. Our door is always open to share more than 140 years of financial knowledge – helping thousands of clients open doors of their own. Let’s get started today. BBT.com/Mortgage

Move In Truck Mention Code FAAR

BANKING . INSURANCE . INVESTMENTS

48

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender.

Loans are subject to credit approval. Only deposit products are FDIC insured. © 2016, Branch Banking and Trust Company. All rights reserved.

23

Michele Freemyers Ekko Title 1931 Plank Road Ste.208 Fredericksburg, VA 22401 (540) 899-1992 mfreemyers@ekkotitle.com

Kathy Tate MBH Settlement Group 1956 William St Fredericksburg, VA 22401 (540) 658-0992 ktate@mbh.com

Lisa Agni Stonewall Title & Escrow, Inc 9300 Grant Avenue, Suite 102 Manassas, VA 20110 (703) 330-8047 lagni@stonewalltitle.com

Cathy Bishop Homebuyer’s Title and Escrow 10601 Courthouse Rd, Suite 200 Fredericksburg, VA 22407 (540) 891-1300 cathyathb@aol.com

Lynn DeSena STA Title & Escrow 101 Westwood Office Park Fredericksburg, VA 22401 (540) 368-5501 ldesena@statitle.com

Mark A. Steele The Title Professionals, LLC 1010 Charles Street Fredericksburg, VA 22401 (540) 310-4804 mark@thetitleprofessionals.com

Alicia Thompson Kensington Vanguard National Land Services 9 Kingsland Drive Ste 109 Stafford, VA 22556 (540) 242-5230 athompson@kvnational.com

Sommer Cantu STA Title & Escrow 101 Westwood Office Park Fredericksburg, VA 22401 (540) 368-5501 scantu@statitle.com

Sally Shea The Title Professionals, LLC 1010 Charles St Fredericksburg, Virginia 22401 (540) 310-4804 sally@thetitleprofessionals.com

Sonia Kuppert STA Title & Escrow 101 Westwood Office Park Fredericksburg, VA 22401 (540) 368-5501 sonia@statitle.com

Sherrie S. Shaw Universal Title 923 Maple Grove Dr. Fredericksburg, VA 22407 (540) 226-0769 sherrie@universaltitle.com

Phillip Blake MBH Settlement Group 1956 William St Fredericksburg, VA 22401 (540) 373-1300 pblake@mbh.com

The 2016 Economic update featured local economic development directors and the chief economist of NAR, Lawrence Yun. Pictured left to right: Pat Breme, Lawrence Yun, Christine Singhass, Rick Cobert, Linwood Thomas, Karen Hedelt, Gary Wilson, Linda Fosdick, Tom Rumora.

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Affiliate Directory by company alphabetically FREDERICKSBURG AREA ASSOCIATION OF REALTORS速 AFFILIATE MEMBERS AS OF 3/21/2016 Nancy Brice A & S Associates 14536 Wagon Wheel Ln Bowling Green, VA 22427 (910) 520-9223 ansasoc@msn.com Tony Bolding Alcova Mortgage 4530 Plank Rd Ste100 Fredericksburg, VA 22407 (540) 656-2869 tbolding@alcovamortgage.com Tarina Leinenbach Alcova Mortgage 4530 Plank Rd Ste100 Fredericksburg, VA 22407 (540) 656-2869 tarina@alcovamortgage.com Barry Moore Alcova Mortgage 4530 Plank Rd Ste100 Fredericksburg, VA 22407 (540) 656-2869 b.moore@alcovamortgage.com Kim Thagholm Alcova Mortgage 4530 Plank Rd Ste100 Fredericksburg, VA 22407 (540) 656-2869 kthagholm@alcovamortgage.com Donna Schmidt American Home Shield 6074 Hamlin Cr King George, VA 22485 (540) 413-6990 dschmidt@ahslink.com Phillip C. Gamlin Amerihome Inspection Services P.O. Box 1722 Stafford, VA 22555 (540) 659-8484 officemanager@amerihomeinspect. net

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Tony Grubb Appraisal Tech 1135 Heatherstone Dr 8 Fredericksburg, VA 22407 (703) 291-1200 tonybuysandsells@gmail.com

Stephen Barish Barish & Associates 4830 Parlow Rd Partlow, VA 22534 (540) 693-5373 barish.associates@gmail.com

Michelle Bohn ATG Title Company 1320 Central Park Blvd Ste 200 Fredericksburg, VA 22401 (540) 752-1121 michelle@atgtitle.com

Pamela Godfrey Bay County Settlements Inc. 1931 Plank Rd Ste 201 Fredericksburg, VA 22401 (540) 658-2162 p.wharton@baycountysettlements. com

Liz Conrad Atlantic Coast Mortgage 3800 Fettler Park Dr Ste 202 Dumfries, VA` 22025 (540) 318-6108 lconrad@acmllc.com Jolayne Craig Atlantic Coast Mortgage 3800 Fettler Park Dr, Ste 202 Dumfries, VA 22025 (540) 736-1304 jcraig@acmllc.com Nick Lewis Atlantic Coast Mortgage 3800 Fettler Park Dr Ste 202 Dumfries, VA` 22025 (540) 272-2969 hlewis@acmllc.com Rodney Nichols Atlantic Coast Mortgage 3800 Fettler Park Dr Ste 202 Dumfries, VA` 22025 (540) 659-8631 rodney.nichols@ movementmortgage.com Laura Triplett Atlantic Coast Mortgage 3800 Fettler Park Dr, Ste 202 Dumfries, VA 22025 (571) 421-1699 ltriplett@acmllc.com

Karin Haid Bay County Settlements, Inc. 1931 Plank Rd Ste 201 Fredericksburg, Virginia 22401 (540) 658-2162 karin.whitley@ baycountysettlements.com Tanner Mulvihill Bayfield Home Loans 239 Garrisonville Rd Ste 202 Stafford, VA 22554 (540) 318-6108 tanner@bayfieldhomeloans.com Carrie Minnick BB & T Mortgage 760 Warrenton Rd Fredericksburg, VA 22406 (540) 322-5451 cminnick@bbandt.com Anne Betz BB&T Mortgage 400 George St Fredericksburg, VA 22401 (540) 322-5453 abetz@bbandt.com Tom Roberts Brand Mortgage Group, LLC 14000 Crown Ct Ste 210 Woodbridge, VA 22193 (540) 709-7927 TomRoberts@Brandmortgage.com

Arthur Smith Brand Mortgage Group, LLC 14000 Crown Court Ste 210 Woodbridge, VA 22193 (540) 898-4215 asmith@brandmortgage.com

Melissa Okrasinski CMS Mortgage Solutions Inc 119 Byron St Chesapeake, VA 23320 (540) 562-8132 melissao@cmsmtgsolutions.com

Tracy Bray C & F Mortgage Corporation 2050 Gordon W. Shelton Blvd 1st Floor Fredericksburg, VA 22401 (540) 548-8855 tbray@cfmortgagecorp.com

Mel L. Cochran Cochran Home Inspection Services, LLC 1114 Patrick St Fredericksburg, VA 22401 (571) 388-3523 mel@CHIS-LLC.com

Brian Whetzel C & F Mortgage Corporation 2050 Gordon W. Shelton Blvd 1st Floor Fredericksburg, VA 22401 (540) 548-8855 bwhetzel@cfmortgagecorp.com

Richard Altstaetter Colonial Forge Appraisal Services 117 Autumn Drive Stafford, VA 22556 (540) 752-6656 appraisals@colonialforge.net

Robin Mountjoy Connor’s Termite & Pest Control 6307 Old Plank Road Fredericksburg, VA 22407 (540) 548-4844 robinb@connorspest.com

Dawn Boxwell Colony Pest Control P.O. Box 41247 Fredericksburg, VA 22404 (540) 752-0815 jjmm900@yahoo.com

Michelle Mullins Connor’s Termite & Pest Control 6307 Old Plank Road Fredericksburg, VA 22407 (540) 548-4844 michelle@connorspest.com

Eric Houston Colony Pest Control P. O. Box 41247 Fredericksburg, VA 22404 (540) 752-0815 erichouston76@gmail.com

Anthony Anderson CSI Home & Commercial Services 10822 Courthouse Rd Fredericksburg, VA 22408 (866) 996-4274 anthony@csiofvirginia.com

John McGee Colony Pest Control P.O. Box 41247 Fredericksburg, VA 22404 (540) 752-0815 jjmm900@yahoo.com

Ron Miller CSI Home & Commercial Services 10822 Courthouse Rd Fredericksburg, VA 22408 (866) 996-4274 ron.m@csiofvirginia.com

Adele S. Yost Commission Express of Prince William 10432 Balls Ford Rd Ste 300 Manassas, VA 20109 (703) 881-7843 ayost@commissionexpress.com

Barry Robinson CSI Home & Commercial Services 10822 Courthouse Rd Fredericksburg, VA 22408 (866) 996-4274 barry@csiofvirginia.com

Charles Pinkard Charles Pinkard Appraiser 26058 Zion Rd Ruther Glen, VA 22546 (540) 847-9522 charlespinkard@gmail.com John Fields CJR Property Inspections 209 Old Landing Ct Fredericksburg, VA 22405 (540) 273-1059 john.fields@va-home-inspection. com Anthony Campbell CMS Mortgage Solutions Inc 119 Byron St Chesapeake, AA 23320 (540) 850-0690 anthonycampbell.cms@gmail.com Corrina Carter CMS Mortgage Solutions Inc 119 Byron St Chesapeake, VA 23320 (757) 558-2603 cmsmtgsolutions@aol.com

Cecilia M. Yost Commission Express of Prince William 10432 Balls Ford Rd Ste 300 Manassas, VA 20109 (703) 881-7843 cyost@commissionexpress.com Mike Delossantos Connor’s Termite & Pest Control 6307 Old Plank Road Fredericksburg, VA 22407 (540) 548-4844 delossantos@connorspest.com

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Affiliate Directory by company alphabetically Alvaro Delgado Delgado Real Estate, Inc 3330 Bourbon Street Ste 114 Fredericksburg, VA 22408 (540) 940-2728 adelgado85@earthlink.net

Pam Hicks Embrace Home Loans 2020 Lafayette Blvd Fredericksburg, VA 22401 (540) 785-3333 phicks@embracehomeloans.com

Philip King Fidelity Bank Mortgage 1440 Central Park Blvd Fredericksburg, VA 22401 (540) 785-3333 philip.king@lionbank.com

Diane Kelso Diane Kelso Insurance Services 601 Breezewood Dr Fredericksburg, VA 22407 (540) 710-9699 diane@dianekelso.com Michele P. Ware Drainfield Solutions LLC 15384 Nelson Hill Rd Milford, VA 22514 (804) 994-3391

John Reid Embrace Home Loans 2020 Lafayette Blvd Fredericksburg, VA 22401 (540) 842-1484 jreid@embracehomeloans.com

Bea Phelps Fredericksburg Area Builders Association 3006 Lafayette Blvd Fredericksburg, VA 22408 (540) 898-2730 bphelps@fabava.com

Robert L. Ware Drainfield Solutions LLC 15384 Nelson Hill Rd Milford, VA 22514 (804) 994-3391 info@drainfieldsolutions.com Michele Freemyers Ekko Title 1931 Plank Road Ste.208 Fredericksburg, VA 22401 (540) 899-1992 mfreemyers@ekkotitle.com Carol Coleman Embrace Home Loans 2020 Lafayette Blvd Fredericksburg, VA 22401 (540) 842-1484 ccoleman@embracehomeloans. com

Tammy Reid Embrace Home Loans 2020 Lafayette Blvd Fredericksburg, VA 22401 (540) 842-1484 tammy@nichollsauction.com Dan Ferrell Ferrell’s Termite & Pest Control, Inc. 427 Haden Ln Bumpass, VA 23024 (540) 872-2616 ferrellstermite@aol.com Mac Church Fidelity Bank Mortgage 1440 Central Park Blvd Fredericksburg, VA 22401 (540) 785-3333 mac.church@lionbank.com Sanford Johnson Fidelity Bank Mortgage 1440 Central Park Blvd Fredericksburg, VA 22401 (540) 785-3353 Sanford.johnson@lionbank.com

Bonnie Martin Fredericksburg Hospitality House 2801 Plank Rd Fredericksburg, VA 22401 (540) 736-1006 bmartin@virginialandmarkhotels.com Josie Ramos-Johnson Gold Star Mortgage 1320 Central Park Blvd Ste 200 Fredericksburg, VA 22401 (540) 220-8131 josierjohnson@goldstarfinancial.com Alexis Thomas Gold Star Mortgage 1320 Central Park Blvd Ste 200 Fredericksburg, VA 22401 (540) 786-4819 athomas@goldstarfinancial.com Heather F. Yarnall Guardian Pest Services 4900 Trade Center Dr Fredericksburg, VA 22408 (540) 891-0330 yarnall.heather@gmail.com

REALTORÂŽ representatives at the FAAR sponsored Chamber of Commerce Community Conversation on Transportation.

Pictured left to right: Sandra Pearce, Christine Singhass, Congressman Rob Wittman, Sha Williams-Hinnant, LInda Fosdick, Drew Fristoe, Ann Black

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Cathy Bishop Homebuyer’s Title and Escrow 10601 Courthouse Rd, Suite 200 Fredericksburg, VA 22407 (540) 891-1300 cathyathb@aol.com

Jason Sullivan Integrity Home Mortgage Corp.

5885 Trinity Pkwy #105 Centreville, VA 20120 (703) 517-9732 jsullivan@ihmcloans.com

Barry Clark Law Office of Barry Clark 104 Westwood Office Park Fredericksburg, VA 22401 (540) 374-9174 barry.clark@lclarklaw.com

Lisa P. Hockman, RAA Horizon Appraisals 6801 Tupelo Dr Spotsylvania, VA 22551 (540) 582-3147 horizonappr@comcast.net

Linda Sulser Integrity Home Mortgage Corp.

5885 Trinity Pkwy #105 Centreville, VA 20120 (703) 517-9732 lsulser@ihmcloans.com

Justin Cuneo Loyal Termite & Pest Control 2610 E. Parham Rd Richmond, VA 23228 (540) 604-5272

Andrea Alemany Integrity Home Mortgage Corp.

4520 Plank Rd Ste 104 Fredericksburg, VA 22407 (540) 412-5612 aalemany@ahmcloans.com

Joseph R. Trombino, CRS Joe Trombino Inspection Services 5025 Sewells Pointe Way Fredericksburg, VA 22407 (540) 710-5889 trombinojoseph@yahoo.com

Scott Hine Integrity Home Mortgage Corp.

4520 Plank Rd Ste 104 Fredericksburg, VA 22407 (540) 412-5612 shine@ihmeloans.com

Joseph P. Gibbs, III Joseph Phillip Gibbs Appraiser W/ Service Realty Inc. 10024 Kings Hwy King George, VA 22485 (540) 775-9690 philgibbsiii@mris.com

Scott Hine Integrity Home Mortgage Corp.

5885 Trinity Pkwy #105 Centreville, VA 20120 (703) 517-9732 Kent Schrader Integrity Home Mortgage Corp.

4520 Plank Rd Ste 104 Fredericksburg, VA 22407 (540) 412-5612 kschrader@ihmcloans.com

Alicia Thompson Kensington Vanguard National Land Services 9 Kingsland Drive Ste 109 Stafford, VA 22556 (540) 242-5230 athompson@kvnational.com

Nick Lupini Loyal Termite & Pest Control 2610 E. Parham Rd Richmond, VA 23228 (540) 604-5272 nlupini@loyalpest.com Phillip Blake MBH Settlement Group 1956 William St Fredericksburg, VA 22401 (540) 373-1300 pblake@mbh.com Kathy Tate MBH Settlement Group 9 Center Street, Suite 105 Stafford, Virginia 22556 (540) 373-1300 ktate@mbh.com Chris Smorto McLean Mortgage Corp 11325 Random Hills Rd Ste 400 Fairfax, VA 22030 (540) 903-9623 csmorto@mcleanmortgage.com

FAAR members ask questions at the 2016 Economic update.

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Affiliate Directory by company alphabetically Michael Moritz Michael A. Moritz 8249 Rozell Rd Woodford, VA 22580 (540) 786-4500 mike@bestappraisal.com Stacy Moore Moore’s Balloon Décor 2501 Pottston Rd Fredericksburg, VA 22408 (540) 361-4742 moore@sweetsandballoons.com Kimberly Bohn Movement Mortgage 1125 Jefferson Davis Hwy Fredericksburg, VA 22401 (540) 645-6267 kim.bohn@movement.com Nick Bohn Movement Mortgage 1125 Jefferson Davis Hwy Fredericksburg, VA 22401 (540) 379-1502 nick.bohn@everbank.com Heather Frye Movement Mortgage 302 Westwood Office Pk Fredericksburg, VA 22401 (540) 645-6267 heather.frye@movementmortgage. com Heather D. Frye Movement Mortgage 1125 Jefferson Davis Hwy Fredericksburg, VA 22401 (540) 645-6267 heather.frye@movementmortgage. com Michael Lee Movement Mortgage 7851 Dolley’s Ct Ste 13 King George, VA 22485 (540) 645-6262 michael.lee@movement.com

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Melissa L. Simpson Movement Mortgage 1125 Jefferson Davis Hwy Fredericksburg, VA 22401 (540) 645-6267 melissa.simpson@ movementmortgage.com

Joel P. Webber Old Dominion Home Inspection Services 140 Embrey Mill Rd Stafford, VA 22554 (540) 847-4581 olddominionhis@yahoo.com

Charlie Leonard Movement Mortgage “Premier Service Team” 302 Westwood Office Park Fredericksburg, VA 22401 (540) 809-4828 charlie.leonard@movement.com

Jack Broome Perma Treat Pest Control 505 Lafayette Blvd Fredericksburg, VA 22401 (540) 370-4571 Jbroome@permatreat.com

Scott Livingston Movement Mortgage “Premier Service Team” 302 Westwood Office Park Fredericksburg, VA 22401 (540) 809-4828 scott.livingston@movement.com Sue Pinder MRIS 8615 Commerce Dr Easton, MD 21601 (888) 838-4234 sue.pinder@mris.net Yvette Nageotte Nageotte, Nageotte & Nageotte, P.C. 385 Garrisonville Rd Suite #201 Stafford, VA 22554 (540) 659-5050 yvette.nageotte@nageottelawfirm. com Melanie Parker Navy Federal Credit Union 128/51 Worldgate Dr Herndon, VA 20170 (540) 785-3565 melanie_parker@navyfederal.org Stephanie Lyles NSWC Federal Credit Union 2004 Augustine Ave Fredericksburg, VA 22401 (540) 361-2212 Stephanie.Lyles@nswcfcu.org

Joe Wilson Perma Treat Pest Control 505 Lafayette Blvd Fredericksburg, VA 22401 (540) 370-4571 jwilson@permatreat.com Troy Wolfrey Perma Treat Pest Control 505 Lafayette Blvd Fredericksburg, VA 22401 (540) 370-4571 twolfrey@permatreat.com Jason Fines Pest Now PO Box 2210 Ashburn, VA 20146 (703) 404-1921 jasonlfines@gmail.com Jeffrey R. Huber Pest Now 2227 Country Rd Beaverdam, VA 23015 (540) 498-6829 jhuber@pestnow.com Ronald Gary Pigeon Professional Inspection Services, LLC 123 Autumn Dr Stafford, VA 22556 (540) 841-1904 proinspectionsvcs@gmail.com

Linda D. Schoultheis Road Runner Appraisal PO Box 5461 Fredericksburg, VA 22403 (540) 752-8159 RRAPPRAISALVA@gmail.com

smoothtransitionsfredericksburg.com Sommer Cantu STA Title & Escrow 101 Westwood Office Park Fredericksburg, VA 22401 (540) 368-5501 scantu@statitle.com

Sally Shea The Title Professionals, LLC 1010 Charles St Fredericksburg, Virginia 22401 (540) 310-4804 sally@thetitleprofessionals.com

Erin Pitts Shaheen Law Firm, PC 3920 Plank Rd #220 Fredericksburg, VA 22407 (540) 548-1235 epitts@shaheenlaw.com

Lynn DeSena STA Title & Escrow 101 Westwood Office Park Fredericksburg, VA 22401 (540) 368-5501 ldesena@statitle.com

Mark A. Steele The Title Professionals, LLC 1010 Charles Street Fredericksburg, VA 22401 (540) 310-4804 mark@thetitleprofessionals.com

Austin Wallace Shaheen Law Firm, PC 3920 Plank Rd #220 Fredericksburg, VA 22407 (540) 548-1235 austinwallace@shaheenlaw.com

Sonia Kuppert STA Title & Escrow 101 Westwood Office Park Fredericksburg, VA 22401 (540) 368-5501 sonia@statitle.com

Fred Elflein Tidewater Mortgage Services, Inc. 904 Princess Anne St Ste 202 Fredericksburg, VA 22401 (540) 847-5035 FElflein@TWMortgage.com

Carrie Fincham Sierra Pacific Mortgage 4112 B Innslake DR Glen Allen, VA 23060 (540) 718-0849 carrie.fincham@spmc.com

Lisa Agni Stonewall Title & Escrow, Inc 9300 Grant Avenue, Suite 102 Manassas, VA 20110 (703) 330-8047 lagni@stonewalltitle.com

Glen Lanford Tidewater Mortgage Services, Inc. 904 Princess Anne St Ste 202 Fredericksburg, VA 22401 (540) 847-5035 GLanford@TWMortgage.com

Lex Sheriff Sierra Pacific Mortgage 4112 B Innslake DR Glen Allen, VA 23060 804-366-1494 lex.sheriff@spmc.com Kim Moulds Smooth Transitions Fredericksburg LLC 9804 Danford St Fredericksburg, VA 22407 (540) 847-2131 kim@

Lindsey Sharpe The Free Lance Star 616 Amelia St Fredericksburg, VA 22401 (540) 368-5044 lsharpe@freelancestar.com Bill Smith The Free Lance Star 616 Amelia St Fredericksburg, VA 22401 (540) 368-5044 bsmith@freelancestar.com

Eric Ruck True IT Services, LLC P.O. Box 693 Fredericksburg, VA 22403 (540) 373-8440 eruck@trueits.com Lynn Blatt Union Mortgage Group 4805 Lassen Ln Fredericksburg, VA 22408 804-370-4588 lynn.blatt@bankatunion.com

Representatives of FAAR meeting with Congressman Rob Wittman in the board room.

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Affiliate Directory by company alphabetically Gail Carr Union Mortgage Group 4805 Lassen Ln Fredericksburg, VA 22408 804-513-9351 gail.carr@bankatunion.com

Ruston Cowper Union Mortgage Group 4805 Lassen Ln Fredericksburg, VA 22408 (540) 842-8642 ruston.cowper@bankatunion.com

Jim Martino Union Mortgage Group 4805 Lassen Ln Fredericksburg, VA 22408 (540) 735-2977 jim.martino@bankatunion.com

Sherrie S. Shaw Universal Title 923 Maple Grove Dr. Trim Size Fredericksburg, VA 22407 4.875 x 4.5 (540) 226-0769 sherrie@universaltitle.com

Dedicated to helping you put buyers into homes Your goal is to turn buyers into homeowners. Our goal is to provide financing to make that happen. We provide a wide array of products and programs. So no matter what your client’s home buying goals, we can help you by providing financing options to meet nearly any homebuyer need. · Purchase loans including FHA and VA programs · Mortgages for high-end purchases · Investment property financing · New construction · Mortgage options with built-in renovation financing No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage.

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Wells Fargo Home Mortgage 3447 Fall Hill Ave, Fredericksburg, VA 22401 Office: 540-785-3301 www.wfhm.com/fredericksburg-builderva Information is accurate as of date of printing and is subject to change without notice.

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2014 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS1842479 Expires 05/2016

Managing Brokers Network meets to discuss legal news, upcoming events, and broker-related business.

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Emily Ventura Vernam & Ventura Financial 406 Amelia St Fredericksburg, VA 22401 (540) 373-2150 Amy Vernam Vernam & Ventura Financial 406 Amelia St Fredericksburg, VA 22401 (540) 373-2150 amy@vernamandventurafinancial. com

Terrence W. Beltz Virginia Housing Development Authority 601 S. Belvidere St Richmond, VA 23220 (804) 343-5747 bm10howe@gmail.com

Brian Brooks Wells Fargo Home Mortgage 3447 Fall Hill Ave Fredericksburg, VA 22401 (540) 785-3301 brian.brooks@wellsfargo.com

Members enjoy connecting with each other at the Halloween Mixer.

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Top 10 REALTOR®

Safety Tips 1. When meeting people for the first time, always have them meet you at your office prior to taking or meeting them at a property

4. Make a photocopy of their driver’s license, an drecord their license plate number and vehicle description as well

7. Have a distress code available with your office or partner in the event you are put at risk or placed in an uncomfortable situation

2. Introduce people you don’t feel comfortable with to one other person at your office (witness)

5. Let a partner or spouse know where you are going and to call you on your cell phone at a specific time to check on you, or you call them when you are finished

8. Never ride in someone else’s vehicle. Drive your own vehicle or have them follow you separately

3. Make sure to minimize the amount of expensive or excessive jewelry that you have visible on your person (reduce the risks of robbery)

6. Make sure you have 9-1-1 in speed dial on your cell phone, an I.C.E. (in case of emergency) within your contacts, and turn on the “locate” feature of your phone, as well

9. Do not meet strange people alone at vacant properties. Tell them you are bringing a partner and always take a partner if you don’t feel good about the situation and or people 10. Trust your gut instinct, as it is right 85% of the time

Your Satisfaction with our Service is Guaranteed!

“Fantastic!

I always have smooth settlements and happy clients!”

1956 William Street Fredericksburg, VA 22401 540/373-1300 Manager: Phillip Blake pblake@mbh.com www.facebook.com/mbhfred 9 Center Street #105 Stafford, VA 22556 540/658-0992 Manager: Kathy Tate ktate@mbh.com

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www.mbh.com

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2016 Affiliate Marketing Partners FAAR commends its 2016 Affiliate Marketing Partners for committing to support the association’s REALTORŽ members.

For quality real estate related services, contact any of the AMP partners listed below.

Click on a logo to visit their website.

Diamond

Emerald

Sapphire

Ruby

Gold

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