Across the Association
JUL/AUG 2024
Communicating Offers of Compensation
Buyer Agreements 101
Earn Your ABR
We keep deals M O V I N G
SERVICES
Purchase, sale, and leasing of residential and commercial properties
Drafting and reviewing residential and commercial contracts
Title examination and title insurance
Chain of title disputes
Boundary line and survey issues
Zoning and Planning Board applications and appeals
Shalini Natesan, Esq. Partner & Leading Real Estate Attorney
shalini natesan@townelaw com
TLF represents buyers, sellers, businesses, banks, and commercial & residential lenders.
Our dedicated team of attorneys are quick, efficient, and responsive - everything you need to close deals faster.
Streamline the closing process for your clients; we handle all aspects of title inhouse.
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®.
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.
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.
Starting August 17, buyer representatives must enter into a written agreement with their buyers before touring homes, whether in-person or via live virtual tours. The National Association of REALTORS® (NAR) has developed a comprehensive guide on written buyer agreements, which you can find on page 14 of this issue.
Additionally, new forms and contracts will be available in Flexmls beginning August 17. Several listing input fields will be updated, and there will be changes to the Global MLS rules and regulations. Please watch your email closely for notifications regarding these updates.
As a REALTOR®, you bring immense value to your clients and communities every day. The difference between working with a REALTOR® and a non-member agent is significant, and it’s crucial that consumers understand this distinction. By choosing a REALTOR®, consumers opt for the expertise, care, and diligence of a professional dedicated to protecting
their interests. Your hard work and commitment truly make a difference.
In other important news, remember that the deadline for the NAR Code of Ethics course requirement is December 31. Details on this requirement and how to check your status can be found on page 17.
Also, mark your calendars for the GCAR Trade Show on October 10 at the Crowne Plaza Albany - Desmond Hotel. We are thrilled to announce that Maura Neill will be our keynote speaker, presenting “Negotiation with Style and Strategy.”
Thank you for your unwavering dedication to our association and the real estate profession. Your commitment and resilience during these times are truly commendable. Together, we will navigate these changes and continue to thrive, building a stronger future for our industry and the communities we serve.
Kathleen Sullivan 2024 GCAR President
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.
Crowne Plaza Albany - The Desmond Hotel 12.305.30PM 10 OCT
Sponsor
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.
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!
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.)
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
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.
NYISO, a not-for-profit corporation that manages the state’s electrical grid and marketplace, has raised concerns about
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.
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
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.
Fundraising
Goal: $83,246
YTD: $58,437 (70%)
Participation
Goal: 1,368
YTD: 1010 (73%)
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.
DISCERNING THE OLD WAY FROM THE NEW WAY
Old Model: Business-to-Business
• Familiar to current agents: A single negotiation between the listing agent and seller determines the buyer agent’s compensation, without considering the buyer agent’s experience.
• Buyer agreements are optional.
• Guaranteed buyer-broker compensation in MLS.
• Buyer agents can get paid without fully understanding the process.
• Liability and litigation risks, as evidenced by lawsuits.
• Lack of transparency to the consumer.
• Insecure buyer agent commission.
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.
New Model: Consumer-Centric
• Buyer-broker sets their fees for services upfront, defining the scope of work from the beginning of representation.
• Listing broker sets their fees with the seller, focusing only on services provided to the seller.
• The purchase agreement governs fee distribution and sets seller expectations regarding concessions.
• Increased consumer transparency about agent services and fees, clearly defining representation boundaries.
• Eliminates steering issues, as the buyer’s agent is compensated regardless of which house is chosen.
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
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.
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.
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.
• Term and Termination: MLS Participants and buyers can negotiate and agree to the duration 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.
• 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).
Copyright NATIONAL ASSOCIATION OF REALTORS®. Reprinted with permission.
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.
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.
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.
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
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.
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
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
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
M&T Bank
313 Ushers Rd
Ballston Lake, NY 12019
518-221-1145
www.mtb.com lmurphy2@mtb.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
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
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
Sunmark Credit Union 1187 Troy Schenectady Rd Latham, NY 12110 518-730-9070 www.sunmark.org eloisa.behnke@sunmark.org
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
WELCOME
NEW GCAR MEMBERS
REALTOR® NON-PRINCIPAL
All in 1 Realty LLC
Mallory Dominguez
Berkshire Hathaway Home Services Blake, REALTORS
Abigail Moxon
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
Country Boy Realty
Lynnette Butler
eXp Realty
Timothy Quist
eXp Realty, LLC
Stephanie Quattropani
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
AFFILIATE SPOTLIGHTS
Jandali Realty
Justine Kennedy
Johnson Capital Realty, LLC
Mylah Bisnett
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
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
Saratoga Real Property, Inc.
Dana Flinton
Signature One Realty Grp, LLC
Donovan Suguitan
TopNetRealty.com Inc
Matthew Klepper
Venture Realty Partners
Andrew Lyman
Vera Cohen Realty, LLC
Seneca Coxe
White House Realty NY
Alexander Juers
Greater Capital Association of REALTORS® 449 New Karner Road
Albany, New York 12205
