Across the Association - July/August 2024

Across the Association

OFFICIAL PUBLICATION OF THE GREATER CAPITAL ASSOCIATION OF REALTORS®

JUL/AUG 2024 Communicating Offers of Compensation Buyer Agreements 101 Earn Your ABR

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Across the Association

VOLUME 35 | NUMBER 4 | JUL/AUG 2024

FEATURES New Rules

Communicating Offers of Compensation

Laura Burns, CEO OFFICERS Kathleen Sullivan, President Melissa Woodcock, President-Elect Kirsten Blanchard, Secretary-Treasurer DIRECTORS Felton McLaughlin Jennifer Mentiply Lorenzo Murray Suzanne Prezio Michelle Poccia Dan Shepard Kathie Spangler Linda Yetto The Greater Capital Association of REALTORS® is a professional trade association which provides its members with programs and services which enhance the members‘ ability to successfully conduct their businesses in a competent and ethical manner, promotes cooperation among its members, and promotes the public‘s right to own, use and transfer real property.

The Greater Capital Association of REALTORS® makes no warranties and assumes no responsibility for the accuracy of the information contained herein. The opinions expressed in articles are not necessarily the opinions of the Greater Capital Association of REALTORS®.

10 Written Buyer Aggreements 101

12 Earn Your ABR

14

16

ACROSS THE ASSOCIATION

MEMBERSHIP

With the President............................. 4

Affiliate Members.............................20

What’s Happening.............................. 6

New GCAR Members.......................23

Upcoming Events............................... 7 Education............................................16

ADVERTISERS 1st National Bank of Scotia...........18

ADVOCACY

Arnoff Moving & Storage...............18

Legislative Update............................. 8

NYSAR...................................................19

RPAC Report......................................... 9

The Towne Law Firm, P.C.................. 2

The Greater Capital Association of REALTORS® does not necessarily endorse the companies products or services advertised in the newsletter unless specifically stated.

On the cover: The RPAC committee saw great success at their annual bowling fundraisesr. Committee members pictured left to right: Judy Kaiser, Marisa Multari, Ira Bethea, Susan Sommers, and Marcy Graziano. Not pictured: Daina Green, Nancy Klopfer, Ana Montemayor, and Carrie Weiss.

ACROSS THE ASSOCIATION 3

WITH THE PRESIDENT

SUPPORTING YOUR SUCCESS: EMBRACING CHANGE AND STRENGTHENING OUR COMMUNITY As we face the pending settlement and the imminent practice changes, GCAR remains steadfast in our commitment to support you in every possible way.

their interests. Your hard work and commitment truly make a difference.

In other important news, remember that the deadline for the NAR Starting August 17, buyer Code of Ethics course requirement representatives must enter into is December 31. Details on this a written agreement with their requirement and how to check your buyers before touring homes, status can be found on page 17. whether in-person or via live virtual tours. The National Association of Also, mark your calendars for the REALTORS® (NAR) has developed GCAR Trade Show on October 10 at a comprehensive guide on written the Crowne Plaza Albany - Desmond buyer agreements, which you can Hotel. We are thrilled to announce find on page 14 of this issue. that Maura Neill will be our keynote speaker, presenting “Negotiation Additionally, new forms and with Style and Strategy.” contracts will be available in Flexmls beginning August 17. Several listing Thank you for your unwavering input fields will be updated, and there dedication to our association and will be changes to the Global MLS the real estate profession. Your rules and regulations. Please watch commitment and resilience during your email closely for notifications these times are truly commendable. regarding these updates.

Together, we will navigate these changes and continue to thrive, As a REALTOR®, you bring building a stronger future for our immense value to your clients industry and the communities we and communities every day. The serve. difference between working with Kathleen Sullivan a REALTOR® and a non-member agent is significant, and it’s crucial 2024 GCAR President that consumers understand this distinction. By choosing a REALTOR®, consumers opt for the expertise, care, and diligence of a professional dedicated to protecting

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Save the Date

GCAR TRADE SHOW All successful REALTORS® attribute NETWORKING as the number one reason for hitting their income mark! The Trade Show is GCAR's biggest networking event of the year.

10 OCT

12.30 5.30PM

Platinum Sponsor

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WHAT’S HAPPENING

GCAR General Membership Meeting We extend our gratitude to all members who attended the meeting on June 20th at the Gideon Putnam in Saratoga Springs. It was our most well-attended membership meeting in recent years.

We would also like to thank GCAR General Counsel James Braman, Esq., Mortgage Industry Representative Anna Smith, and Appraiser Eric Sterling for their participation and for helping us understand the upcoming changes resulting from the NAR settlement.

Assemblywoman Mary Beth Walsh (R,C-Ballston) presented the 2024 Women of Distinction awards on May 4th, recognizing outstanding women in Saratoga, Schenectady, and Fulton counties.

Among the honorees was GCAR Member Tammy Loya of Howard Hanna, who has earned numerous accolades in photography, including three prestigious Kodak Gallery awards.

Tammy started her real estate career in 2020, leveraging her 30+ years of experience in business management, photography, and marketing.

She supports her community by donating her photography skills, such as her work for Double H Ranch and her participation in the Heroes program, donating 20% of her commission to healthcare, military, law enforcement, education, or first responders.

Tammy is a dedicated advocate for veterans, raising over $35,000 for Operation Adopt a Soldier and organizing food drives for deployed troops and veterans’ housing. She founded the “Fun at the Firehouse Event,” raising funds for Albany Med Children’s Hospital and Ronald McDonald House, and started “Breakfast with a Blessing,” where diners pool tips for servers, hoping to inspire others to spread joy in their communities.

Sympathies are extended to...

The friends and family of Nina Amadon, a cherished longtime member of GCAR and a part of Venture Realty Partners, who passed away on May 18, 2024.

The friends and family of GCAR and Global MLS CEO Laura Burns upon the passing of her husband, Bob Burns on June 4, 2024.

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Community Relations Update On May 20th, members of the Greater Capital Association of REALTORS® joined members from the Southern Adirondack REALTORS® for the yearly event to help the Double H Ranch with clean-up and flower planting for the summer camp season.

The Double H Ranch, co-founded by Charles R. Wood and Paul Newman, provides specialized programs and yearround support for children and their families dealing with life-threatening illnesses. All programs are FREE of charge and capture the magic of the Adirondacks!

DATES TO REMEMBER September 29 - October 2 NYSAR Fall Business Meetings Turning Stone Casino October 10 GCAR Trade Show Crowne Plaza Albany – Desmond Hotel October 16 Global MLS Annual Meeting November 8 - 10 NAR NXT Boston, MA November 21 GCAR Annual Meeting December 9 - 12 Triple Play Atlantic City, NJ For additional information, visit GCAR.com/events

Many thanks to those who donated toiletry items for area shelters!

Left to right: Ginny O’Brien, Barbara Walters, Diane Sluus (Community Relations Chair) and Jonie Civill pack up donations received at the GCAR General Membership Meeting on June 20 at the Gideon Putnam Hotel in Saratoga Springs! The items will be sorted and delivered to: St. Paul’s Center (Rensselaer Co); Bethesda House (Schenectady Co.), Interfaith Partnership for the Homeless (Albany Co.) and Veterans and Community Housing Coalition (Saratoga Co.) ACROSS THE ASSOCIATION 7

LEGISLATIVE UPDATE

ALBANY PASSES GROUNDBREAKING EVICTION LAW

By Connor Gillis Government Affairs Rep, NYSAR

City of Albany Passes Local “Good Cause” Eviction Law On June 3, the City of Albany Common Council made a significant move by approving Local Law E of 2024. This law, which enforces local “good cause” eviction, is the first of its kind in the state. It follows the state’s new regulations that allow municipalities to opt into this law. The law grants eligible tenants, who consistently pay rent and adhere to lease terms, the right to lease renewal. It also caps rent increases at 5% plus CPI or 10%, whichever is lower.

The City of Albany extended the law’s application to any landlord owning 1 unit or more. Despite opposition from NYSAR and REALTORS® from the Greater Capital Association of REALTORS®, the law was passed after a public hearing.

Veterans Affairs Signals Temporary Suspension of Buyer Agent Payment Ban The Department of Veterans Affairs is planning to temporarily suspend its ban on buyers directly paying for professional real estate representation. This change is in response to a letter submitted by NAR in late March, urging a policy change to ensure veterans maintain their access to the VA home loan program. The program has been a significant tool in helping service members achieve homeownership.

Concerns Over Reliability of NY’s Electrical Grid as Summer Nears The New York Independent System Operator (NYISO) released a report recently saying that more than 40,700 megawatts of power sources are available to meet an estimated 33,300 megawatts of peak demand, which measures the average total demand for one hour.

the grid’s ability to meet high demand.

The corporation’s recent report indicates that the reliability margins, which serve as the electrical grid’s “insurance policy” of extra power for use during periods of high demand or unforeseen circumstances, are continuing to shrink. This trend could have significant implications for the state’s energy supply.

Gov. Hochul Announces $59 Million Awarded to Create New Housing in 500 ADUs Governor Hochul announced recently that $59 million has been awarded to local governments and non-profit organizations in the first two rounds of the state’s $85 million ADU Plus One program. This program will help increase the housing supply by providing resources for low— and middle-income homeowners to build or improve an accessory dwelling unit on their property. The governor anticipates that the program could create up to 500 ADUs across the state.

New York likely to miss 70 percent renewable target New York is expected to fail to meet its statutory target of 70 percent renewable electricity by 2030, state officials acknowledged in a report on July 1st. The review blames the delay largely on factors including economic conditions that led to the cancellation of most of the renewable projects. Affordability in achieving the state’s climate goals has also been a major concern for Governor Kathy Hochul.

NYISO, a not-for-profit corporation that manages the state’s electrical grid and marketplace, has raised concerns about

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RPAC REPORT RPAC is the only professional organization in the country organized for REALTORS®, run by REALTORS®, and exists to promote issues important to REALTORS®. RPAC provides financial support to lawmakers and candidates who understand and support private-property rights and the real estate industry.

BOWLING FOR RPAC This year’s annual Bowling for RPAC fundraiser, held on May 23rd, set a new attendance record with 92 participants and raised $5,276 for RPAC. We extend special thanks to our generous sponsors: Arnoff Moving & Storage, Jay Christiana, Jean Maloney, and Suzanne Prezio.

WINE PULL

2024 RPAC GOALS Fundraising

During the GCAR general membership meeting on June 20th, the RPAC committee held a wine pull which, raised a total of $600 for RPAC. Thank you to all who took a chance and purchased a mystery bottle of wine.

Goal: $83,246 YTD: $58,437 (70%)

Participation Goal: 1,368 YTD: 1010 (73%)

ACROSS THE ASSOCIATION 9

NAR Implements New Rules on Broker Commissions Following Settlement

The National Association of REALTORS® resolved nationwide claims brought by home sellers related to broker commissions.

The agreement resolves claims against NAR, over one million NAR members, all state/territorial and local REALTOR® associations, all association-owned MLSs, and all brokerages with an NAR member as principal that had a residential transaction volume in 2022 of $2 billion or below.

Under the terms of the agreement, NAR will pay $418 million over approximately four years.

In addition to the financial payment, NAR has agreed to put in place a new MLS rule prohibiting offers of broker compensation on the MLS. This would mean that offers of broker compensation could not be communicated via the MLS, but they could continue to be an option consumers can pursue off-MLS through negotiation and consultation with real estate professionals.

Further, NAR has agreed to enact a new rule that would require MLS participants working with buyers to enter into written agreements with their buyers.

These changes will go into effect on August 17, 2024.

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DISCERNING THE OLD WAY FROM THE NEW WAY Old Model: Business-to-Business New Model: Consumer-Centric • Familiar to current agents: A single negotiation • Buyer-broker sets their fees for services upfront, between the listing agent and seller determines the defining the scope of work from the beginning of buyer agent’s compensation, without considering representation. the buyer agent’s experience.

• Listing broker sets their fees with the seller, • Buyer agreements are optional. focusing only on services provided to the seller.

• Guaranteed buyer-broker compensation in MLS. • The purchase agreement governs fee distribution • Buyer agents can get paid without fully and sets seller expectations regarding concessions. understanding the process.

• Increased consumer transparency about agent • Liability and litigation risks, as evidenced by services and fees, clearly defining representation lawsuits. boundaries.

• Lack of transparency to the consumer.

• Eliminates steering issues, as the buyer’s agent is • Insecure buyer agent commission. compensated regardless of which house is chosen.

As a REALTOR® operating under the Global MLS, it is imperative to enforce specific regulations, especially with the Department of Justice monitoring compliance.

One of your primary fiduciary duties is to assist the seller in selling their home without engaging in steering. It is essential to be mindful of how you present information to sellers and to utilize MLS statistics effectively.

Developing a clear fiduciary statement and providing a comprehensive overview to both sellers and buyers is crucial. Additionally, creating a presentation form titled “How I Will Work for You” can help articulate your commitment. Utilizing concessions strategically when appropriate is beneficial, and all forms must be consistent with the new business practices.

Continuous training in negotiation, value propositions, buyer representation, and other areas is necessary to sharpen your value proposition. Adhering to the new rules without attempting to circumvent them is critical, as the associated risks are significant.

Changes to watch for • Forms • Listing notification form (LNF) • Purchase and sale contracts • Exclusive right to sell listing agreements • Buyer agency agreements Flexmls fields • Removal of commission detail fields in listing input • Add or adjust concession fields Global MLS Rules & Regulations • Listing procedures • Reporting of sales to the service ACROSS THE ASSOCIATION 11

Communicating Offers of Compensation By: Melissa Dittmann Tracey Contributing Editor, REALTOR® Magazine Starting August 17th, the MLS will no longer be a platform for communicating offers of compensation. However, they still remain an option for consumers.

Under practice changes that will take effect Aug. 17, real estate professionals will no longer be able to communicate offers of compensation in the MLS. However, offers of compensation will continue to be an option consumers can pursue off-MLS through negotiation and consultation with their real estate professionals.

MLS policies have been changed to reflect the practice changes under the proposed settlement agreement. The National Association of REALTORS®’ legal team has developed a series of “Window to the Law” videos to explain the coming changes, with the first video focusing on compensation—which is and always has been negotiable.

Charlie Lee, NAR’s senior counsel and director of legal affairs, says real estate pros have a variety of ways to negotiate and communicate offers of compensation, including through: • Marketing: If the listing broker or seller is offering compensation for the buyer’s broker, the listing agent can share that offer through their marketing, such as in flyers, signs or emails.

• Website displays: “A broker can show offers of compensation for their listings on their website display,” Lee says. Brokers must not display offers of compensation for other broker’s listings on their website display.” You can show other brokers’ compensation on your listings if you don’t get it from MLS data or an MLS feed, he adds.

• Seller concessions: Sellers may elect to offer concessions to the buyer, which may be used for items like paying for the buyer’s closing costs or the commission for the buyer’s agent. If the local MLS allows, such concessions can be communicated on the MLS within designated fields. However, any concessions listed cannot be conditioned on the use of or payment to a buyer broker, Lee says.

• Negotiations: Buyers may request that their agent include broker compensation as part of the terms of a purchase offer.

• Buyer agreements: NAR’s proposed settlement agreement will require buyers and their agents to enter into written agreements before touring homes. These agreements will detail the compensation for using the buyer broker’s services.

Reprinted from REALTOR® Magazine by permission of the National Association of REALTORS®. Copyright 2024. All rights reserved.

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R stands for REALTOR®. REALTORS® are members of the National Association of REALTORS®.

NAR’s consumer ad campaign tells the REALTOR® story— who REALTORS® are and the value you bring to clients and communities.

Leverage award-winning campaign assets on NAR’s Photofy app and at ThatsWhoWeR.realtor

Written Buyer Agreements 101 Written buyer agreements benefit consumers because they clearly and transparently outline the services an MLS Participant will provide and how they will be compensated.

Beginning August 17, 2024, an MLS Participant “working with” a buyer will be required to enter into a written agreement with the buyer prior to touring a home, including both in-person and live virtual tours. This resource provides information about what provisions must be included in the written agreement pursuant to the NAR settlement as well as other provisions that, while not required by the settlement, MLS Participants may consider addressing with their clients.

As you develop or refresh your agreement forms, keep in mind: • Agreement forms should account for the choice and optionality consumers and real estate professionals have when negotiating the terms of their relationship permissible under state law.

• Agreement forms should give the real estate professional and consumer the ability to efficiently memorialize the relationship based on the transparent and clear conversation they have when deciding to work together.

Mandatory Provisions

Pursuant to paragraph 58(vi) of the NAR proposed settlement agreement, written buyer agreements must: • Specify and conspicuously disclose the amount or rate of any compensation the MLS Participant will receive from any source, or how this amount will be determined; • The amount of compensation must be objectively ascertainable and may not be open-ended (e.g., “buyer broker compensation shall be whatever amount the seller is offering to the buyer”); • Include a statement that MLS Participants may not receive compensation from any source that exceeds the amount or rate agreed to with the buyer; • Disclose in conspicuous language that broker commissions are not set by law and are fully negotiable; and • Include any provisions required by law.

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Other Considerations When Entering Into a Buyer Agreement:

While not required by NAR policy changes, there are several other considerations and contractual provisions for MLS Participants, associations, MLSs and other forms providers to consider when creating or updating written buyer agreements: • Format: Agreements should be organized, written in understandable terms for all parties, and use a clear, readable font size. MLS Participants are cautioned to avoid pre-filling key terms like length of the agreement and compensation, and to avoid changing provisions without legal advice.

• Types of Representation: To maximize broker and buyer choice, consider all types of written buyer agreements permitted by state law, including short form, limited service, agency, non-agency, transactional, customer, among others.

• Broker Services: Agreements should clearly articulate the services the MLS Participant will provide buyer.

• Consumer Protection: Agreements should clearly disclose all contractual obligations of the buyer, duties of confidentiality owed to the buyer, the Equal Housing Opportunity statement. Consider including warnings regarding wire fraud as well as video and audio recording by sellers while touring a home for sale. MLS Participants may also notify consumers that they are providing real estate brokerage services and advise buyers to seek appropriate professional services from inspectors, lenders, attorneys, tax advisors and title agents, among others.

• Compensation and Fees: In addition to the mandatory provisions above, MLS Participants and buyers may agree to a retainer fee and address whether any retainer is included in total compensation, credited against compensation and/or refundable.

• Conflicts of Interest: Consider addressing how MLS Participants resolve potential conflicts of interest during the term of the agreement, including disclosure and consent for representing other buyers submitting offers on the same property, dual agency, designated agency, or transaction brokerage.

• Dispute Resolution: Written buyer agreements may include mandatory or optional alternative dispute resolution, such as mediation or arbitration. The parties may also agree to waive trial by jury and class actions in the event of litigation relating to the agreement.

NAR Policy Will Not Dictate:

• Type of relationship the professional has with the potential buyer (e.g., agency, non- agency, exclusive, non-exclusive, subagency, transactional, customer); • Term of the agreement (e.g., one day, one month, one house, one zip code); • Services to be provided (e.g., ministerial acts, a certain number of showings, negotiations, presenting offers); or • Type or amount of compensation charged (e.g., $0, X flat fee, X percent, X hourly rate).

• Term and Termination: MLS Participants and Copyright NATIONAL ASSOCIATION OF REALTORS®. Reprinted buyers can negotiate and agree to the duration with permission. of the agreement, including whether the term is automatically extended until closing upon purchase contract ratification. Buyer agreements may include provisions addressing termination with cause and without cause by both the buyer and the MLS Participant. Termination by the buyer may also address whether there is a carryover period, where compensation may be owed to the MLS Participant if the buyer terminates the written buyer agreement and subsequently executes a purchase agreement within an agreed upon time following termination of the buyer agreement.

ACROSS THE ASSOCIATION 15

EARN YOUR ABR®

SHOW COMMITMENT AND VALUE TO YOUR BUYER-CLIENTS Become an Accredited Buyer’s Representative (ABR®) Today

With the Accredited Buyer’s Representative (ABR®) designation, agents can hone their craft in representing the needs of homebuyers. ABR® designees are empowered to maintain their superior skills and develop business opportunities by providing exclusive member benefits.

STEPS FOR EARNING YOUR ABR®

1 2

ABR Designation Course Take the FREE two-day ABR® designation course online or in a classroom setting. Online course takers must receive an 80% or higher on the final exam.

Additional Education In addition to the ABR Designation Course, complete one qualifying elective course online or in person.

Some courses may also apply to different designations or certifications.

Apply for a NYSREEF Scholarship Any REALTOR® actively engaged in real estate, who holds primary REALTOR® membership in New York State and who has been licensed in New York State for at least one full year is, eligible to apply.

Scholarships can be used to cover the cost of any REALTOR®-family national designation or certification course.

Application Deadlines: July 31st and December 31st Learn more at nysreef.org

3 4

Confirmed Transactions Finalize five transactions solely as a buyer’s representative (no dual agency).

This can include up to two leases.

These transactions do not need to fall within a specific period of time.

Active Status Maintain active and good membership status with the Center for REALTOR® Development (CRD) and the National Association of REALTORS® (NAR).

The first year of ABR® membership is included with the ABR® Designation Course, the second year is prorated, the third and following years are $110 per year.

LEARN MORE AT BECOME.ABR.REALTOR 16 JULY/AUGUST 2024

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EDUCATION

DEADLINE APPROACHING December 31, 2024, is the deadline for completing cycle 7 of the National Association of REALTORS® code of ethics course requirement.

REALTORS® are required to complete an ethics course of not less than 2 hours 30 minutes of instruction time with or without continuing education (CE) credit. The ethics course must meet specific learning objectives and criteria established by the National Association of REALTORS®.

Failure to complete training during any cycle will lead to suspension of membership for January and February immediately following the cycle deadline, with termination of membership starting March 1 after the cycle deadline.

GCAR will submit evidence to NAR indicating member compliance if members took their ethics course at GCAR or through The CE Shop. However, if members took their ethics course elsewhere, they must send their course completion certificate to aaddor@gcar.com, which will be sent to NAR. GCAR will offer multiple course opportunities throughout 2024; check the GCAR Education Calendar for the most up-to-date class schedule.

Does GCAR have proof of my ethics course?

If a member took their ethics course through GCAR or our online partner, The CE Shop, then YES, we have your certificate of completion, and no work is required.

If you are uncertain of your status, visit GCAR.com and click ‘GCAR LOGIN’ to access member services. Choose ‘Member Education History’ then choose ‘Personal Education Tracking.’ Under ‘Category,’ you will see ‘Cycle 7 2022-2024 Ethics Req’; the ‘status’ field will say ‘completed’ if we have your certificate.

How to Fulfill the Requirement C2EX NAR’s free Commitment to Excellence (C2EX) program fulfills the Code of Ethics Training Requirement for existing members. Begin here: www.c2ex.realtor NAR Code of Ethics Course Specialized content for residential, commercial, and appraiser practitioners. No final exam, members must pass module quizzes. Learn more: www.nar. realtor/code-of-ethics-training The CE Shop GCAR education partner, The CE Shop, also offers several options to fulfill your ethics requirement.

Learn more: gcar.theceshop.com/nar-ethicsrequirement

Upcoming GCAR Ethics Courses OCTOBER 28 - 29 | 9am – 1:00pm GRI - 1 Ethics DECEMBER 20 | 9am – 12pm Ethical Business Practices TO REGISTER, VISIT GCAR.COM/CALENDAR

If the status field says pending, we either do not have your ethics form or have not yet sent it to NAR. GCAR pushes information to NAR monthly. As 2024 unfolds, we expect to receive many ethics certificates. Therefore, check your status the month following your submission to GCAR. If members have questions regarding this process, please call the office at 518-464-0191.

ACROSS THE ASSOCIATION 17

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Join a

NYSAR

Committee

NYSAR depends upon the involvement of our dedicated volunteers. No matter your role in the business or how long you’ve been a member, we encourage you to get involved.

NYSAR has more than 25 committees available in 2025. You may choose up to three termed/ closed committees and three open committees/ forums/working groups.

Before committing to serve, volunteers are asked to be sure they can attend the association’s 2025 business meetings, which are Feb. 2–6 in Albany and Sept. 14–17 at Turning Stone Resort Casino. Committee registration is available in the month of July.

To see a complete list of committees and to sign up, visit our website: www.nysar.com/about-nysar/committee-descriptions.

ACROSS THE ASSOCIATION 19

GCAR AFFILIATE MEMBERS Use this directory as a resource for products and services. Affiliates join monthly, so check each issue for updates. You can also search the online Affiliate directory by visiting GCAR.com/affiliate-members.

10 One Productions 518-487-9497 www.10oneproductions.com Aaron@10oneproductions.com

1st National Bank of Scotia 201 Mohawk Ave Scotia, NY 12302 518-370-7117 www.firstscotia.com japoulin@firstscotia.com

32 Mile Production – Filmworks 331 Round Lake Rd Ballston Lake, NY 12019 845-597-4804 filmworks109.com chuck.fernandez@32mile.com

Arnoff Moving & Storage 10 Stonebreak Rd Malta, NY 12020 518-463-5525 www.arnoff.com dfeldman@arnoff.com Assured Partners 2880 US Highway 9 Valatie, NY 12184 518-783-8801 www.assuredpartners.com/valatie ryan.page@assuredpartners.com

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Ballston Spa National Bank 990 State Route 67 Ballston Spa, NY 12020 518-363-8110 bsnb.mymortgage-online.com nancy.koval@bsnb.com

Bhumio PO Box 3872 Albany, NY 12203 518-429-7484 bhumio.com victoria@bhumio.com

Carey Home Inspection PO Box 1061 Averill Park, NY 12018 518-956-1078 www.careyhomeinspection.com don@careyhomeinspection.com

Clean Isle Home Inspections 350 Northern Blvd, Ste 324 Albany, NY 12204 518-914-8700 www.cleanisles.com mark.connal@cleanisles.com

Clearpath Mortgage Solutions 43 British American Blvd Latham, NY 12110 518-389-7070 clearpathmortgages.com mike.rankin@clearpathmortgages.com

Community Bank NA 4781 State Highway 30 Amsterdam, NY 12010 518-380-3620 www.cbna.com toni.zidich@cbna.com Crosscountry Mortgage 105 Lake Hill Rd, Suite 4 Burnt Hills, NY 12027 518-469-1200 crosscountrymortgage.com/Robert-Tuttle robert.tuttle@myccmortgage.com Cutco Closing Gifts 21 Cliff St Hastings on Hudson, NY 10706 518-755-5701 www.cutcoclosinggifts.com asahr09@yahoo.com

Deangelus Goralczyk PLLC 3 Corporate Drive, STE 204 Clifton Park, NY 12065 518-631-6400 x101 www.dglawny.com/ karen@dglawny.com Debut Property Staging PO Box 547 Slingerlands, NY 12159 518-313-0975 debutpropertystaging.com eileen@debutpropertystaging.com

DogWatch by Top Dog Pet Fence 410 Troy Schenectady Rd Ste 204 Latham, NY 12110 518-783-5678 x1 www.topdogpetfence.com ed@topdogpetfence.com

GCAR.COM

Dryer Vent Wizard 8 Napa Court Niskayuna, NY 12309 518-901-3694 www.saratogadryervent.com jcatino@dryerventwizard.com

Edgeco Environmental 136 Columbia St Cohoes, NY 12047 518-235-5687 www.edgecoenvironmental.com edgecoenv1@gmail.com GoRascal, Inc. 376 Broadway, Ste 17 Saratoga Springs, NY 12866 518-791-4595 team.gorascal.com/heidi heidi@gorascal.com Haus Capital Corporation 10 Blacksmith Dr, Ste 3 Ballston Spa, NY 12020 518-366-8608 www.hauscapitalcorp.com bryan@hauscapitalcorp.com

Hinman, Howard & Kattell 10 Airline Dr, Ste 205 Albany, NY 12205 518-869-5552 www.hhk.com jprout@hhk.com

Homeowners Advantage 4 Winners Circle Albany, NY 12205 518-928-8741 www.homeownersadvantage.com ecruz@homeownersadvantage.com

Homestead Funding Corp.

8 Airline Drive Albany, NY 12205 518-464-1100 x392 homesteadfunding.com mholmes@homesteadfunding.com

In-House Media 5 Autumn Court Gansevoort, NY 12832 518-350-4991 www.mhfphoto.com hello@mhfphoto.com

J Squared Home Inspections 518-669-1574 www.jsquaredhomeinspections.com Jordan@jsquaredhomeinspections.com

Key Bank 66 South Pearl St Albany, NY 518-257-8602 www.key.com harjit_m_earnest@keybank.com La Voie Insurance 440 3rd Ave Watervliet, NY 12189 518-526-8043 lavoieinsurance.com dlavoie@lavoieinsurance.com

Maple Tree Funding 1202 Troy Schenectady Rd, Bldg 3 Latham, NY 12110 518-782-1202 www.mapletreefunding.com slatza@mapletreefunding.com Meri Light Photography, Inc. 227 Kingsley Rd Burnt Hills, NY 12027 518-754-1077 merilightphotography.com Meri@Merilightphotography.com

Metzwood Insurance 300 Great Oaks Blvd, Suite 300 Albany, NY 12203 518-392-5161 www.metzwood.com matt@metzwood.com Movement Mortgage 120 West Ave, Ste 206 Saratoga Springs, NY 12866 518-368-4404 www.theannasmithteam.com anna.smith@movement.com Navy Federal Credit Union 24 Sailfish Dr Groton, CT 06340 www.navyfederal.org brienne_ramos-dupuis@navyfederal.org NBT Bank 52 Broad St Norwich, NY 13815 315-505-6572 ww.nbtbank.com aleo@nbtbank.com

M&T Bank 313 Ushers Rd Ballston Lake, NY 12019 518-221-1145 www.mtb.com lmurphy2@mtb.com

ACROSS THE ASSOCIATION 21

GCAR AFFILIATE MEMBERS

NEST Environmental, LLC 863 Route 212 Saugerties, NY 12477 845-853-4840 www.nestpp.com jslater@celticiaq.com

New York Real Estate Photography 518-284-1400 nyrephotos.com matthew@nyrephotos.com

Northern Living 1849 State Route 9 Lake George, NY 12845 518-685-6569 www.northernlivingny.com info@northernlivingny.com

Premium Mortgage 931 New Loudon Rd Latham, NY 12110 201-638-9804 premiummortgage.com kkamber@premiummortgage.com RE Tech Academy 517-214-3333 retechacademy.com todd@retechacademy.com

Rohan & Delancey, P.C. 18 Computer Drive, Ste 100 Albany, NY 12205 518-438-0010 brohan@rohanlaw.com 22 JULY/AUGUST 2024

Salerno Law, PC 16 Round Lake Rd Ballston Lake, NY 12019 518-309-3404 salernolawny.com kim@salernolawny.com Saratoga Community Federal Credit Union 23 Division Street Saratoga Springs, NY 12866 518-583-2323 x123 www.saratogafcu.org lmccoy@saratogafcu.org

Saratoga National Bank & Trust Co. 171 Broadway Saratoga Springs, NY 12866 518-745-1000 x2921 www.saratgonational.com joy.rodriguez@arrowbank.com

SEFCU Mortgage Services 700 Patroon Creek Blvd. Ste 301 Albany, NY 12206 518-369-4815 www.sefcu.com mmoolick@sefcu.com

SMPR Title Agency, Inc. 50 Chapel Street Albany, NY 12207 518-867-7524 www.smprtitle.com beverly@smprtitle.com

The Dust Busters PO Box 4521 Clifton Park, NY 12065 518-728-7394 paula.dustbusters@gmail.com

The Mortgage Place 646 Plank Road, Suite 102 Clifton Park, NY 12065 518-982-0480 x102 www.themortgageplaceinc.com jrussell@themortgageplaceinc.com The Reis Group 8 Stanley Circle, Suite #4 Latham, NY 12110 518-266-9966 reisinsurance.com cgranger@reisinsurance.com

The Towne Law Firm, P.C. 500 New Karner Rd Albany, NY 12205 518-452-1800 www.townelaw.com shalini.natesan@townelaw.com Trustco Bank 518-374-4056 www.trustcobank.com ddepasquale@trustcobank.com Wells Fargo Home Mortgage 43 N. Plank Rd Newburgh, NY 12550 845-440-2302 www.wellsfargo.com michael.waters@wellsfargo.com

Sunmark Credit Union 1187 Troy Schenectady Rd Latham, NY 12110 518-730-9070 www.sunmark.org eloisa.behnke@sunmark.org

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NEW GCAR MEMBERS REALTOR® NON-PRINCIPAL All in 1 Realty LLC Mallory Dominguez

Country Boy Realty Lynnette Butler

Jandali Realty Justine Kennedy

Saratoga Real Property, Inc. Dana Flinton

Berkshire Hathaway Home Services Blake, REALTORS Abigail Moxon

eXp Realty Timothy Quist

Johnson Capital Realty, LLC Mylah Bisnett

Signature One Realty Grp, LLC Donovan Suguitan

eXp Realty, LLC Stephanie Quattropani

Keller Williams Capital Dist Aireal Bailey Joshua Conant Sylvia Kuang Annabelle Conover Geralyn Sniatkowski Richard Chase Mancini Ivana Maldonado Emily Preceruti Nichole Ortiz Basak Kurd

TopNetRealty.com Inc Matthew Klepper

Berkshire Hathaway HomeServices Blake, REALTORS Safrina Basil-Shivgobind Clancy Real Estate Simon Retzlaff Cleardoor, Inc Jill Leuci CM Fox, LLC Stephanie Holland Coldwell Banker Commercial Prime Properties Amy-Beth Valachovic Coldwell Banker Prime Prop Austin Adams Manasi Dutta Nicole Peek Nestor Sosa Nancy Stagnitti Cornwell RE LLC Jennie Hiza

Four Seasons Sotheby’s International Realty Richard Byrne High Rock Realty Andrew Luskin Howard Hanna Jennifer Post Zoelle Gagnon Jason Tracey Philip Bertorelli Akhtar Parvez Alaa Ballout Howard Hanna Capital Inc. Andrea Backus Nicholas DeGregorio Brendan Solovey Deborah Cox Jessica Hauprich HS Capital Realty LLC Lylo Trotta Brandon Palmer

Venture Realty Partners Andrew Lyman Vera Cohen Realty, LLC Seneca Coxe White House Realty NY Alexander Juers

Krutz Properties, LLC Israel Colon Benuel Fisher Lachman Real Estate Group Ganesh Persaud Miranda Real Estate Group Inc Sky Levandowski Oxford Property Group USA Paul Bott Brian Jones REMAX Solutions Paul Rogan

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ACROSS THE ASSOCIATION 23

Greater Capital Association of REALTORS® 449 New Karner Road Albany, New York 12205