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Good. Fast. Reliable.

There’s a Reason We’re Number 1. When it comes to title insurance, no one knows the industry like Commonwealth Suburban Title Agency. With over 50 years in business, we have one of the most experienced closing teams in Ohio. Our full-time, on-site staff of attorneys, escrow officers, and support personnel have a proven track record that speaks for itself. And that means faster service, more reliable transactions, and more peace of mind for you.

So call the Commonwealth Suburban Title Agency today and see what good, fast, and reliable is all about.

Your Local Title Agency for Over 50 Years! YOUNGSTOWN OFFICE

BOARDMAN OFFICE

COLUMBIANA OFFICE

24 North Phelps St. Youngstown, OH 44501 Phone: 330-746-3291 Fax: 330-746-4042

755 Boardman-Canfield Rd. South Bridge Executive Park West Suite M-1 • Boardman, OH 44512 Phone: 330-965-2290 Fax: 330-965-2294

131 North Main St. Columbiana, OH 44408 Phone: 330-482-9019 Fax: 330-482-9619

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I am so very honored to serve as your 2008 President. I want each of you to have a voice in your professional trade association so I encourage you to call or email me with your ideas, suggestions or thoughts. I also want to invite each of you to become involved in your association by volunteering your time, talents and energy to any of our association committees. Thereâ&#x20AC;&#x2122;s a comPLWWHHWRĂ&#x20AC;W\RXULQWHUHVWDQG\RX¡OOPHHWREALTORSÂŽDQG$IĂ&#x20AC;OLDWH0HPEHUVZLWKVLPLODULQWHUHVWVZKLOHOHDUQLQJKRZWKH association operates. This past year wasnâ&#x20AC;&#x2122;t one of the best years in real estate for many agents, but it certainly was a great learning experience! So many things have changed in our industry and yet, the American dream of homeownership continues. I believe that our knowledge and expertise will become more valuable than ever in this new year! We will continue to sell homes...we ZLOOFRQWLQXHWRKHOSEX\HUVĂ&#x20AC;QGWKHLUGUHDPZHZLOOOHDUQQHZZD\VWR make it all happen for both the buyers and sellers. We should be proud of our chosen profession; always strive to be ethical and honest; be kind to each other and work together. Build relationships both within your company and with your fellow REALTORSÂŽ in other companies. The new year brings with it an opportunity to get involved in the communities we service. We are blessed to be in a profession which allows us the freedom to spend some time volunteering in the many organizations that need our help. Find an organization or cause you are interested in this year and lend a hand! Volunteerism is very rewarding! 2XUDVVRFLDWLRQ¡VFRPPXQLW\VHUYLFHSURMHFWIRULVWKH5HVFXH0LVVLRQ7KH0LVVLRQFRYHUVDPXOWLWXGHRILVVXHVLQFOXGLQJIHHGLQJWKHQHHG\ providing shelter during the winter months, and retraining programs for ERWKPHQDQGZRPHQ0\JRDOWKLV\HDULVWRQRWRQO\UDLVHPRQH\IRUWKH 0LVVLRQEXWWRDOVRVSHQGVRPHWLPHYROXQWHHULQJZLWKWKHP The Youngstown Columbiana Association of REALTORSÂŽ is recognized DURXQGWKHVWDWHDVRQHRIWKHĂ&#x20AC;QHVWDVVRFLDWLRQV:HKDYHDJUHDWVWDIIDW YCAR, a staff you can be very proud of. Remember, if you need help with anything from paperwork to computers to lockbox issues, the staff is just a phone call away! In closing, I have high hopes for a great year in real estate in 2008 and so should you! It may require doing things a little different but our market is still out there waiting for us!

5405 MARKET STREET YOUNGSTOWN, OHIO 44512 www.ycar.org Monday - Friday 8:30-5:00 OFFICERS: 2H[O`*HYYVSS7YLZPKLU[ ,YPJ*HZWHY`7YLZPKLU[,SLJ[ +H]PK2SHJPR;YLHZ\YLY .^LU)\ZO7HZ[7YLZPKLU[ BOARD OF DIRECTORS:     

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eal the deal! S SM

â&#x20AC;˘ Lock and Look program â&#x20AC;&#x201C; Pre-approval with rate lock! â&#x20AC;˘ No-PMI programs with Zero Down â&#x20AC;˘ First-Time Buyer Program â&#x20AC;˘ 40-year mortgages with low payments â&#x20AC;˘ One-close construction loan with as little as 5% down â&#x20AC;˘ Bridge loan with deferred interest-only payments

Donna Atwood Mahoning 330-509-0723

Kathy Dillon-Kennedy* Mahoning 330-507-5181

Don Galbreath* Trumbull 330-506-7832

Jennifer Hanigosky* Mahoning 330-501-1172

Scott Jones Columbiana 330-853-9323

Jennifer Oâ&#x20AC;&#x2122;Rourke-Kurz Trumbull 330-881-7565

Juan Santiago Mahoning 330-502-1032

Marty Sharp Trumbull 330-509-9516

Becky Tolson Columbiana 330-507-4638

Mick Wright Mahoning 330-716-2095

Call us today for an appointment! *Boardman Loan Office â&#x20AC;˘ 330-965-2100

Providing answers. One neighbor at a time. www.homesavings.com

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Subsidiary of United Community Financial Corp.

Equal Housing Lender

Member FDIC


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Real Estate Escrow Services

Serving Mahoning, Trumbull and Columbiana Counties ATTORNEY DONALD R. SEELY STEVE K. SMITH (Escrow Agent) Phone: 330-758-8369 Fax: 330-726-6013 1-800-241-6446 8166 Market Street, Suite N Youngstown, Ohio 44512 intercountyinc@usawebnet.net 4HOVUPUN=HSSL`9,(3;69®1HU\HY`


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Three Local Locations

Serving All 88 Counties in Ohio

Atty. Scott D. Hunter, Agent

Atty. Robert L. Stevens, Agent

Rick Durkin, Director of Marketing & Business Development 24 Hour REALTOR®/Lender Hotline 330-719-0101

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Howland Professional Centre - Howland Office 425 Niles-Cortland Rd., SE Bldg. A, Ste 102 Warren, Ohio 44484 Phone No. 330-609-7052

Creekside Professional Centre - Canfield Office 6715 Tippecanoe Road, Bldg. D, Ste. 201 Canfield, Ohio 44406 Phone No. 533-6119 Fax No. 533-6503

Eastgate Plaza - Salem Office 2341 East Street, Ste. C Salem, Ohio 44460 Ohio Toll Free 1-888-700-9243 www.hunterstevens.com

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2008 Leadership Team

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Kathy Carroll

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President

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Eric Caspary President Elect

$WWRUQH\0LFKDHO53LFFLULOOR %ULDQ.0LQFKHU (Escrow Agent) Brian J. Graygo 0DUNHWLQJ

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David Klacik

Gwen Bush

Treasurer

Past President


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Place Your Ad Here! (K]LY[PZLPUÂŻ

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â&#x20AC;&#x153;U-Sign-Itâ&#x20AC;? ERASABLE SIGNS Directional signs...Removable logo stickers... Sign stakes...Sign inserts...& more! 1DQF\&XIĂ H2ZQHU Phone: 330-503-0777 Fax: 330-757-3447 (PDLO1DQF\&XIĂ H#]RRPLQWHUQHWQHW

We take the guesswork out of purchasing your home

Associated Federal Abstract & Escrow Agency, Inc. 1040 South Commons Place, Suite 200, Youngstown, OH 44514

~Agents~ Mary Susan Mellinger, Escrow Agent

Matthew C. Giannini

Ann Fabrizi

Patty McFall, Marketing & Public Relations Deborah Boyer, Title Coordinator 24 Hour Cell: (330) 720-0101 Fax: (330) 726-2190 2IÂżFH (330) 726-0484 For your convenience, closings are done from 7:30 a.m. - 10:00 p.m. SEVEN GD\VDZHHNLQRURXWRIRXURIÂżFH www.associatedfederal.com

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