May 2021 by Real Estate Newsline

Articles In This Issue

S ERVING S OUTH T EXAS AND S URROUNDING A REAS F OR O VER 37 Y EARS Vol.XXXIX, No. 5

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Page 1: Pat Farrell Page 3: SABOR Page 7: The Way I See It Featuring: Cathey Meyer Page 13: NARPM Article Featuring: Brenda Davila Page 15: Associate Spotlight Featuring: Legacy Mutual Page 17: SARREB Article Featuring: Brian M. Paris Page 22 - 23: News Flash

May 2021

What Is On Your Table?! Pat Farrell / Contributing Writer

PRSRT STD U.S. Postage PAID San Antonio, Texas Permit #1416

When folks sit down to eat, whether it be at home or at a restaurant, they will usually find salt and pepper on the table, but what other condiments might they also want to use? The first recognized use of the word condiment, something used to enhance the flavor of food according to Merriam-Webster, was in the 15th century and was originally derived from Latin condimentum and later from Middle French condire which means to season. So, in addition to the salt and pepper, the condiments used at the table or at the stove might include things like spices, herbs, ketchup, mustard, mayonnaise, hot sauce, etc. Well, between two of the more popular condiments in the United States, which would you prefer to use on your hot dog – mustard, ketchup (or catsup) or both? According to an informal Facebook poll about their popularity, mustard came out slightly ahead of ketchup in a limited number polling test. And while both items can be found in about 97% of American homes, sales of the two products in 2017 showed mustard at $433 million, with French’s yellow mustard a clear winner over Grey Poupon, while for ketchup, sales were $765 million, where Heinz came out on top fol-

lowed far behind by Hunts. I can’t help but wonder how many of us who have used take-out from various restaurants or fast-food places now have a multitude of those little packets of ketchup or mustard in our kitchen or office drawers. To date more than 40 species of mustard plants have been identified and it is interesting to learn just how we arrived at the container of French’s yellow mustard on the table. Thought to have originated in Egypt, since mustard seeds were found in Tutankhamun’s tomb, the seeds have been in use for about 5,000 years, moving from country to country, as both a seasoning and for medical applications in an attempt to cure everything from a toothache to the bubonic plague. As use of the seed by the Greeks moved on to the Romans and then to the Gauls, the seed became firmly settled in Europe and the processing of the seed was then taken over by the monasteries in the ninth century. The process at the time used primarily brown or black seeds that when mixed with a liquid produced a dark colored mustard so that over the years both the Dijon and the Grey Poupon type mustards became popular along with Coleman’s which used brown and white seeds to produce a powered mustard in England. It was at the 1904 St. Louis World’s Fair that French’s yellow mustard, made from only white seeds, was introduced and used on the hot dog that had been created in 1805. The word mustard is thought to be derived from Mosto the name for a young unfermented wine used to mix with the mustard seed. While mustard was around in the Stone Age, ketchup was only first recognized in southern China in 300 BC and was known as ke-chiap, but surprisingly enough it contained no tomato but was rather a fermented fish sauce, actually a paste, made from fish entrails, meat byproducts and soybeans. Doesn’t that sound yummy? Appetizing or not by our standards, the paste recipes travelled the trade routes from China to Indonesia and to the Philippines.

From there British traders took the paste recipes home and promptly altered them so that by the 18th century in Europe ketchup was made from other products like lobster, oysters, mushrooms, or plums and peaches (still no tomatoes) combined with liquids like white wine and various spices that were boiled down to a syrupy consistency. It wasn’t until 1812 that the first ketchup containing tomatoes was introduced by horticulturalist James Mease; however, preservation became a problem as the tomatoes would quickly decompose, so to overcome this in 1876 the Heinz Company introduced a ketchup formula that consisted of tomatoes, distilled vinegar (a preservative), brown sugar, salt and various spices, and they also pioneered the use of glass bottles so people could “see what they were buying.” That is the ketchup that most of us have on the table (or in the fridge today)! Though mustard and ketchup, along with salt and pepper are probably the most recognized condiments, there are others that are popular with some people but not with others. Included here one would find mayonnaise (hold the mayo!), said to be the creation of the Duke de Richelieu’s French chef in 1756 to use during a feast celebrating the Duke’s defeat of the British at Port Mahon on the Balearic island of Menorca, although some claim there had been similar sauces prior to that time, with most of them containing garlic. Various food historians have claimed the origin of the word mayonnaise to be derived from: the name of the defeated town mahonnaise; from the French verb, manier meaning to stir; from an old French word mayeu meaning egg yolk and lastly from the sauce popular in Bayonne, France that was called bayonnaise. Regardless of the sauce name’s origin it became a very popular item throughout Europe, and in the early 1900s, when Richard Hellmann, a German immigrant, opened a delicatessen in New York City delicatessen, the salads served there were made with his wife’s homemade may-

onnaise recipe and were an immediate hit with the New Yorkers. When his customers began asking to purchase the sauce alone he started to produce it in bulk and eventually packed the mayonnaise into glass jars. In 1913, Hellmann built his first factory in Astoria, New York and the rest as they say, “is history.” Hellmann’s was eventually acquired by Best Foods Inc., a West Coast corporation. And then there is hot sauce which has been around since the Aztec’s started making it from chili peppers in about 7000 BC and is in great demand today in Texas. Evidence of hot sauces have been found in ancient ruins and ships all over the world, showing that it has been important in making food more palatable as well as being used for medicinal purposes by aiding in digestion. One of the oldest hot sauce brands in the United States was started by Edmund McIlhenny (1815-1890) from the peppers he grew on Avery Island, a place not far from New Orleans, LA, and trademarked the sauce’s name, Tabasco. It is interesting that the tabasco peppers are still grown on Avery Island and are then mashed, put into oak barrels with salt and left in a cold warehouse for three years before being bottled and sold. Other brands in use locally include, but are not limited to, Texas Pete Hot Sauce and Sriracha Hot Chili sauce. Horseradish is one of my favorite condiments and is always available in my refrigerator! How it got that name though is interesting because it has nothing to do with horses. The root vegetable, radish, was originally grown near the sea and so the German word for horseradish is meerrettich meaning sea radish, but the English pronounced the German word mareradish, which considering the size to which the root grows it was later changed from mareradish to horseradish. As far back as 1500 BC the Egyptians knew about horseradish as did the early Greeks who would use it as a rub for lower back pain, and today at the Seder tables for the Passover, one might find horseradish which symbolizes the bitter-

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ness the Jews experienced during their slavery in Egypt. In addition to the many spices that enhance food flavor found most often near the home’s stove are at least two more condiments, honey and soy sauce, Soy sauce originated in China during the Zhou dynasty (1046-256 BC) because using salt alone as a preservative was expensive, thus fermented fish with salt, jiang, was used as a condiment and soybeans were later added to the mixture. The condiment arrived in Japan around the time of the Yamato Imperial Court era (250

May 2021

AD -710 AD) where the recipe underwent a series of changes until the late 1600s when the production of Japanese sauce, Shoyu, began near present-day Noda where Kikkoman soy sauce was born and is now the most popular brand in the United States. And then there is honey! Though the earliest historic mention of honey was in 2100 BC, more than 10,000 years ago, when humans thought fruit was sweet, happening across a wild bee’s hive would have provided them with honey, the sweetest thing they had ever tasted! After

Follow Us @renewsline centuries of the futility of trying to locate wild bee’s nests, the Egyptians were able to mimic the hives of wild swarms by creating them from old logs or tree trunks. Believed to have originated in either Asia or Africa, the honeybee participates in a symbiotic relationship with flowers to produce honey which is thought to provide the nutrients and other chemicals that speed wound healing, but primarily adds sweetness to our foods. So many choices and so little time! And, again I ask, what is on your table (or in the pantry, the refrigerator or by the stove?)

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Managing Editor...........Courtney Smith Contributing Writers:......Cathey Meyer ..................................................Pat Farrell Columnists............................Brian Paris ...........................................Brenda Davila Business Development .......Joyce Orts Area Sales Director..........Rose Stewart .............................................210.386.6544 Real Estate Newsline is not responsible for the opinions or facts expressed by non-staff writers or for errors and any byproducts in advertising or editorial copy. Real Estate Newsline takes the pandemic situation very seriously, we do not endorse or condone any behavior contrary to current CDC guidelines. To that end, please be aware, some pictures in this issue may have been taken pre-covid and should not be considered to represent anyone being irresponsible or careless in any shape or form. REALTOR® is a registered trademark. The word REALTOR® sometimes appears in this publication without the registered trademark symbol (®), for the purpose of saving space. Wherever the word REALTOR appears in this space, the registered trademark should be assumed.

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NAR Code of Ethics Deadline You may have heard that NAR updated how often a REALTOR® must complete Code of Ethics training. The change extends the training requirement from every two years to every three years and extends the current Cycle 6 deadline from December 31st, 2020 to December 31st, 2021. This requirement is separate from the mandatory CE requirement for TREC Legal I & II in order to renew a real estate license. Due to recent changes adopted by the NAR Board of Directors, the TREC Legal II class will no longer satisfy the NAR training requirement. While many education vendors in our state have a version of Code of Ethics approved for CE credit, it is recommended members only take the approved NAR Code of Ethics offered by the REALTOR® Academy, Texas REALTORS®, or through NAR. Other courses not offered through the association, though TREC approved, will not

fulfill the NAR requirement. NAR's Commitment to Excellence (C2EX) program can fulfill the Code of Ethics training requirement for existing members. This endorsement empowers REALTORS® to evaluate, enhance and showcase their highest levels of professionalism. If you have not yet fulfilled your Code of Ethics requirement, make sure to do so before December 31, 2021. Members who do not meet the requirement can face termination from NAR. Check your training status, choose your preferred Code of Ethics training format (online or in person), and go directly to the training options available to you with the Code of Ethics Training Selection tool at nar.realtor. For more information on the Code of Ethics requirement visit member.sabor.com or contact support@sabor.com

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Febuary 2021

Top African American Realtors in San Antonio

SAAREB Board Members: Venus Marshall, Vice President, LaVonna Stewart, Board Chairman, Gwen Derry, Secretary and Brian Paris, President.

Derrell Skillman, Redfin with wife Sarah.

Maggie Wilmoth, Keller Williams City View, Monique Slater, Keller WIlliams Heritage and LaVonna Stewart, eXp Realty.

Jinay Paris, Keller Williams City View.

Vernitia Johnson, Fathom Realty, Omar Jackson, Option 1 and Maggie Wilmoth, Keller Williams City View.

Azeb Gordon, RE/MAX Corridor and husband

Mike Blackshear and D’Angelo Williams, both PrimeLending. with Chris Cannon and wife Trina Cannon, Cannon Realty Group.

Be sure to see and download more pictures from this event and others online:

Tami Price Real Brokers and Gwen Derry, Old Republic Title.

Venus Marshall and Regi Prothro, both Keller Williams City View.

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May 2021

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THE WAY I SEE IT Cathey Meyer / Contributing Writer

Hidden Figures Numbers are NOT my thing. Back in my sales days, I could negotiate a contract with the best of them, but that was mostly addition and subtraction. When we got into percentages, I always had my trusty mortgage lender on standby to provide the answer key for those pesky interest rates, the buy/sell of points and odd down payment percentages. Heaven forbid my buyer was an engineer by trade . . .they were the worst on wanting to know room sizes to the 1/8 of an inch. Digital tape measurers were a life saver, but there was always that odd angled wall that required discussion on whether the television would reflect sunlight or the headboard would funnel bad feng shui. Window treatments are cause for headaches. Never trust the ‘standard’ size statement. There is always a ½ inch of non-wiggle room when hanging expensive window covers. I always have the company do the measurements and installation. I do not

need the hanging headache of nonfunctioning shades. While those are examples of historic number numbness, my new number headache is the blocking of endless robo calls and the ever daily, “This call may be out of the blue, but are you interested in selling your property at 2468 I’ve Had It Lane?” The blockage of daily calls got me thinking how many times it would take to block calls with all the possible number combinations in the standard ten digit phone number. It was a boring Tuesday afternoon and after the fifth call of the day to include a warning my auto warranty had expired (never had one); the urgent plead to support my local law enforcement brethren (suspicious when the guy could not name my police chief); a special deal to clean my carpets (all hardwoods); a notice my auto warranty had expired again; a request to donate to the wrong political party; and my favorite: my social security

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number had been comprised and if I did not send $250.00 immediately, they would call the cops, I was done. I would like to say I made up the social security call, but the live person really threatened to “call the cops.” I asked what they would call the cops and they hung up. My running buddy likes to engage with these multi-callers. He has time to pretend to be polite and lead them on until they hang up. I think he gets blocked from the other end as his phone seems to ring much less frequently than mine. His bilingual skills come in handy for the calls from overseas, those are immediate hang-ups at the other end. If we are travelling, it is entertainment to listen to his engagement, but when I am on my own, I have no patience for the waste of time. Why, you ask, do I not use caller ID and pass on answering calls from unknown numbers? Turns out, about one in four of the unknown number calls is actually a call I need to answer. Repair people, medical facilities, doctor’s for endless reasons, Publisher’s Clearing House, computer help and the list goes beyond the ten-digit call combination. Not everyone comes across ID’d as call ID. Many times it is just a number. And then there is the thrill of answering the unknown—just in case it is Publisher’s Clearing House. Chances we take. Back to my number issue. As I sat enjoying a bit of beverage on my

deck, I tried to calculate how many numeric combinations ten digits would produce. On drink number three, I wised up and just asked our old friend the Google. This is where numbers and me part ways. I could not figure (HA!) out how to word the question to get the answer I needed. Words I can negotiate but add (HA!) numbers to the mix and I am a calculator with a dead battery. Turns out my mind does not work in rational number configurations. My nine digit plus the zero work did not initially include doubling down on each digit. Then the Google noted you can use the same digit multiple times in the combination to create endless combinations of common every day numbers. Why I assumed you only use each number one time in the combo game is beyond me—my own phone number has several repeated digits. Light bulb moment for Captain ArithNO-Tic. I am still curious what the total combination of ten-digit numbers is for the uber combination equation, but I have lost interest in researching infinity. Early in the call blocking days, I wondered how long it would take to block all the unwanted calls. Now I understand the infinite philosophical answer of forever. I do not think Publisher’s Clearing House will ever give away that many millions. Excuse me, I must depart to answer the call of an unknown number.

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$$ Picture Challenge Starts $$ As we all anticipate more events to take place in the coming months, we decided it would be a great time to empty the picture* vault and run some pictures* that have never been in the publication before. AND to add some fun, we are going to run them cut line free and turn it into a challenge!

The challenge includes this issue and June. All pictures* with no cutlines and a number on them are a part of the fun. For complete rules go to https://realestatenewsline.com/giveaway

$100 First Place $50 Second Place $25 Third Place The rules are simple: Make a word file and type up as many people as you can identify. Submit your entry online at https://realestatenewsline.com/newsflash-submission before the deadline. Top three with most correct names will win. We will publish the winners in the July Issue.

GOOD LUCK! * Note, MANY of these pictures are from previous years. Please refer to disclosure on page 2 before passing judgement or commenting on fellow colleagues not following proper protocols.

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NARPM Brenda Davila / SAMAC, NARPM Secretary

Keep The Hustle Real According to the O x f o r d d i c t i o n a r y, t h e word Hustle, is a noun and means busy movement a n d a c t i v i t y. I n a s e n tence, "the hustle and bustle of the big cities". Hustle can definitely describe a majority of r e a l e s t a t e a g e n t s . We hustle in property management, commercial, sales, acquisitions and in so many other aspects of our business. Now how do we keep the hustle productive? It seems that lately the theme has been positivity and self-awareness a n d h o n e s t l y, i t h a s b e e n beneficial. Part of our hustle besides assisting our clients is being the

best real estate agent we can be. How do you become the best real estate agent “you” can be, especially in the competitive world we are living in today? It will take work, effort, ambition, education, health, organization, stepping out of your comfort zone, as well as time management. What better way to start your “best you” journey and get out of your comfort zone then by joining an organization such as NARPM’s SAMAC C h a p t e r. We m e e t e v e r y other month, hold educational lunch, and learn meetings, participate in several annual charity events, have the opportu-

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nity to attend about 3- 4 conferences/conventions a n n u a l l y. We a l s o f o r g e friendships and the number one thing we share in common is, we manage properties. Our industry is forever changing and as professionals we need to be r e a d y, a v a i l a b l e , f l e x i b l e , a n d e d u c a t e d . Wi t h t h e many hurdles that have transpired in the last year such as the proposed renters commission, the eviction moratoriums, and the healthy real estate market, we could all use as much knowledge to make it through. Our clients expect us to help them navigate through their transactions to make the best decisions. If you manage residential properties and are interested in joining, please reach out to one of our executive board members to further discuss or j o i n o n l i n e . Ta k e a d v a n tage of all the learning opportunities you can get your hands on via zoom or in person. Let us help you become the best real estate agent “you” can be. Keep the hustle real

and ongoing and do it for t h e l o v e o f y o u r i n d u s t r y. Please review our March calendar of events: May 05 SAMAC Executive Board Meeting May 12 Chapter Meeting & Educational Event: John Israel May 17 2021 Legislative and Educational Conference May 21 CLASS: E v e r y t h i n g Yo u N e e d t o Know About FLEAS * 2021 will be filled with new educational classes, speakers, and more opportunities for c h a r i t a b l e e v e n t s . To accommodate our members and affiliates, educational classes will be available both hybrid and in person. Do not miss your opportunity to serve, gain industry knowledge, and make new friendships. If you are interested in joining or would like to discuss; do not hesitate to reach out to us. For membership information or our calendar of events, please visit: h t t p : / / w w w. s a n a r p m . w i l d apricot.org

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It is a given that once buyer clients have decided what price home they think they can afford it is always wise to have them prequalified before starting the process of showing them homes that meet their criteria. The mortgage lender that the buyer selects can be critical to the success of the home buying process and in San Antonio it is generally accepted that when a purchaser has a commitment letter from Legacy Mutual Mortgage it is as good as having a valid contract since they can be assured that the buyer is definitely qualified to make the purchase. That is so important, not just to the agent who will be spending so much time with a buyer, but also to the seller who will be accepting the offer and will know that the sale will close successfully.

In 2003 Dan Diepenhorst and wife Cindee became part of Legacy Mutual Mortgage, a name chosen because the company was created to be a legacy, in a mutual way by all working together to achieve that end, and although it was envisioned at the time that it would be a small enterprise, it has grown well beyond those expectations. With the strong reputation Legacy Mutual Mortgage has built as an outstanding mortgage lender, serving the home loan needs of real estate professionals, builders and individual homebuyers they now have locations in San Antonio, Boerne, New Braunfels, Fort Worth, Dallas, Houston, Austin and Coppell/Lewisville in Texas and also in Nashville, TN, Arvada and Grand Junction, CO.

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An approved HUD lender and member of the Texas Mortgage Bankers Association, Legacy Mutual Mortgage originates, underwrites and closes conventional, FHA, VA, Texas Vet and USDA mortgage loans and helps consumers save hundreds on refinancing! They also actively support other local community real estate organizations to include the San Antonio Board of REALTORS® and the Greater San Antonio Builders Association. In 2012 Legacy Mutual Mortgage and Crockett National Bank, with its existing real estate background, combined their operations which has proven to be a great business fit. Legacy is also an accredited TREC Provider, offering CE courses to their referral partners in everything from Mortgage 101 to Social Media Marketing Success! It is most important to Dan Diepenhorst that all those who are members of the team that is Legacy Mutual Mortgage follow a core set of values which includes doing what they say they are going to do, working with integrity and with respect toward others, and most especially that all members work to ensure that all transactions close on time. Most REALTORS® will agree that this is the work ethic they have encountered when their clients choose to have loans processed through Legacy and that the home buying process there runs very smoothly and is certainly stress free. Legacy Mutual Mortgage has always considered REALTORS® to be

their partners and consistently strives to help agents achieve success in their businesses. They will always treat the REALTOR® client as carefully as they would their own clients and while REALTORS® may or may not always remember to ask clients for referrals, they can be assured that Legacy Mutual Mortgage will do so on their behalf. It is common to find the Legacy Mutual Mortgage name as sponsors for a variety of REALTOR® and real estate related groups like the Women’s Council of REALTORS® (WCR) and the Veterans Association of Real Estate Professionals (VAREP). Supporting organizations that benefit realtors, like TREPAC and Platinum Top 50, is something that Legacy stands firm on, in addition to their many philanthropic ventures, including Light The Night, United Way, various Breast Cancer Awareness Events and much more! These are just examples of the support Legacy gives back to the community. So REALTORS® if you have not yet taken advantage of the friendly service that awaits you and your clients when obtaining a mortgage through Legacy Mutual Mortgage, there is no time like the present to check them out. The main local office is located at 3503 Paesanos Parkway, San Antonio, TX, 78231 – Tel: 210-4924900. Many REALTORS® who already use them will tell you that you will not regret partnering with Legacy Mutual Mortgage.

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Adapt Realty Group

Ellen McDonough

Phyllis Browning Company

Cynthia Murray Kuper Sotheby's International Realty

Michele Moore

RE/MAX North - San Antonio

Lanette Pennell

Keller Williams City View

Beverly Fulton

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Lynn Phillips

Coldwell Banker D'Ann Harper

Jane Lanning

Apt & Relocation Center

Luis Acosta

Icon Realty

Melissa Flores

Central Metro Realty

Laura Collins

Magnolia Realty

Angel Garcia

RE/MAX Preferred

Jess Perez

Keller Williams Heritage

Mark Osborn

Champions Real Estate Group

Jean Gross

Susan Dikin

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Michael Bird

Mike Medlin

Coldwell Banker D'Ann Harper

Ray Aguilar

Coldwell Banker D'Ann Harper

Edward Flores

Keller Williams Heritage

Deborah Elwood

JB Goodwin Realtors

Randy Cunningham Kuper Sotheby's International

Suzanne Fitzgerald JP & Associates

Jim Miller

JB Goodwin Realtors

David Simon

Engel & Volkers Austin

Kim McCullough

Premier Realty Group

Liz Saunders

Coldwell Banker D'Ann Harper

Lauren Keller

SA Portfolio KW RE

Karen Smith

Smith Properties

Christine Aldrete

RE/MAX Preferred

Kristy Bradfield Petlin Kuper Sotheby’s Int’l.Realty

Carole Tubbesing

Phyllis Browning Company

Joan Gaytan

Realty Executives of S. A.

Patricia Kocurek

Century 21 Northside

Gilberto Aldaco

Premier Realty Group

Maria Silveyra

Coldwell Banker D'Ann Harper

Barb Chardavoyne

JB Goodwin Realtors

Stephanie Flath

Century 21 Northside

Michele Skeans

JB Goodwin Realtors

Alison Barrow

Phyllis Browning Company

Diane Strauch

JB Goodwin Realtors

Connie Smith

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Coldwell Banker D'Ann Harpe

Rhonda Howerton

Coldwell Banker D'Ann Harper

Jon Green

Stonewall Property Group

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JP & Associates 15-Jun

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Realty Executives Access

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Premier Realty Group

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Century 21 Northside

Maria Gonzalez

Century 21 Northside

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Bowman Realty Group

Joy Exiner

Realty Executives of S. A.

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RE/MAX Corridor

Zach Taylor

RE/MAX North-San Antonio

Dale Dorsey

Keller Williams Legacy

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Mann Real Estate

Missy Keller

5th Stream Realty

Becky Hobbs

Amanda P. Herring

Addie Langhennig

Coldwell Banker D'Ann Harper

Mike Anthony

RE/MAX North San Antonio

Ricky Brown, Jr.

Realty Executives of S. A.

Andrew Tolan

Coldwell Banker D'Ann Harper

Ashley Nicholson

eXp Realty

25-Jun

Dan Longoria

Hill Country Realty

Angela Hayden

Hayden Investments

Dawn Chapa

Old Republic Title

26-Jun

Libby Weyel

Coldwell Banker D'Ann Harper

Bizzy Darling

Coldwell Banker D'Ann Harper

Sandra Castro

Old Republic Title

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Lisa Cano

Keller Williams Heritage

Eliza Sonneland

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Coldwell Banker D'Ann Harper

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Keller Williams Legacy

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Century 21 Northside

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Keller Williams Heritage

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May 2021

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SAAREB Brian M. Paris / SAAREB President

Just Imagine Imagine a city where homeownership was equally available to all its citizens, regardless of race, creed, religion, or sexual preference… Imagine if financial education were easily accessible to all its citizens. And everyone knew the rule of 72 and the power of compounding interest… Imagine if a city’s entire population knew the value of home ownership, and the power of generational wealth home ownership creates through building equity. Imagine what it would be like if all San Antonians were all on the same financial playing field… What would that do to the economy of the city? Of the state? Of the nation as a whole? This is the goal of the San Antonio Association of Real Estate Brokers (SAAREB). Established in the early 1990’s, we are a non-profit organization focused on helping

African American families build generational wealth through home ownership. SAAREB is the local chapter of the National Association of Real Estate Brokers (NAREB). Established in 1947, NAREB has over 80 chapters throughout the United States. Our members are called Realtists. We promote the highest standards of professional integrity and follow a strict code of real estate industry ethics. We have a special charge to make certain that communities of color are treated with dignity and respect. According to the City of San Antonio 2019 Racial Equity Indicator Report, the home ownership rates in San Antonio were: 61.3% for non-minorities 54% for Hispanic families 45.5% for Asian families And 33.2% for African American families While systematic racism through redlining and other dis-

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criminatory practices have played a major role in the differences between the racial groups, there are other factors that also make home ownership out of reach for many of San Antonio’s underserved communities. Since our membership encompasses all sectors of the Real Estate community, it is our calling to provide the information and education to our community and show that home ownership IS attainable, and you don’t require an 800 credit score and $30,000 in the bank to own a home. What are some of the hurdles that affect the African American Community when it comes to home ownership? • Accepting the myth that a mortgage is a 30 year commitment. • The mindset that renting is the only way to go based on generations of renting • Wage gaps • Minority families in general • Single parent households where the mother is the primary breadwinner • Lack of information about credit – What helps it and/or what hurts it • Predatory lending practices • Inaccessibility to financial education in schools and in the home • Lack of trust in institutions where systematic racism was prevalent.

We approach the home ownership gap in two different ways: 1) Working to ensure that our membership is well versed in all means of home ownership, i.e., knowing what DPA programs are available, the various loan programs available, how to build your credit, alternate sources for down payment, etc. 2) Providing free financial education classes to the communities we serve. As we as real estate professionals know, for many, homeownership does not begin with waking up one day and buying a home. So, we also provide financial education classes to our youth to plant the seed of homeownership. We also provide classes on budgeting, building and repairing credit, investing, retirement. We partner with churches and other organizations to help get our message out that home ownership is not as difficult as it seems. Over the years we are absolutely seeing progress, technology has made getting this information in front of our communities easier, and we have had good success with our group classes through zoom and other virtual platforms. We have a way to go to get to where we are all on the same playing field; but for each family we help, we take one step closer. If you are interested in helping the cause, I would LOVE to talk with you about SAAREB and our mission.

SABOR Keeping Posted

May 2021

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SABOR Keeping Posted

May 2021

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May 2021

SABOR Keeping Posted

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May 2021

Realty Executives of San Antonio Welcomes Schimelpfening And Crewdson

SCHIMELPFENING

CREWDSON

Realty Executives of San Antonio welcomes Sidra Schimelpfening & John Crewdson to our growing Real

Estate family at Realty Executives of SA. Sidra comes to us with over 20+ years of real estate experience & John just retired from 25 years with the N a v y. Both agents will be recognized in Scottsdale, AZ at the Realty Executives national conv e n t i o n l a t e r t h i s y e a r. Broker-Charlie Ruffo & Executive Director-Karen C r i t c h l o w, l o o k f o r w a r d t o t h e success of these 2 agents!

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May 2021

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Pasta and Beans: Pasta e Fagioli Realty San Antonio Welcomes Jackson And Flores

JACKSON

FLORES

Marisa Jackson joins Realty San Antonio as the Agent Success Manager to lead the expansion of the #1 independent real estate firm in Central Te x a s . R e a l t y S a n A n t o n i o i s proud to welcome Marisa, a San Antonio native, who brings years of real estate sales experience and success to the team. She has been a top-producing real estate agent who helped mentor and coach other team m e m b e r s i n t h e b u s i n e s s . N o w, a s a m a n a g e r, s h e w i l l s h a r e h e r coaching, negotiation and sales skills to help elevate and scale

agents’ business. Marisa, a graduate of the R E A LT O R ® I n s t i t u t e a n d c e r t i fied Military Relocation specialist, has a passion that aligns with the company vision. She has exceptional knowledge of San Antonio and the surrounding areas and also holds a GRI designation. R E A LT O R S ® n e e d a t r u s t ed guide to help them leverage systems and tools to provide exceptional service to their clients and build a sustainable business. Leah Flores proudly joins Realty San Antonio as the Agent Success Coordinator to support the expansion of Central Te x a s ' # 1 i n d e p e n d e n t r e a l estate firm. Leah is passionate about helping agents excel in achieving their work and life goals through the company's proven processes and successful business model. Join us, realtysanantonio.com/careers.

Ingredients: 2 tablespoons (2 turns around the pan) extra-virgin olive oil 1/8 pound (about 3 slices) pancetta, chopped 2 (4 to 6-inch) sprigs rosemary, left intact 1 (4 to 6-inch) sprig thyme with several sprigs on it, left intact 1 large fresh bay leaf or 2 dried bay leaves 1 medium onion, finely chopped 1 small carrot, finely chopped 1 rib celery, finely chopped 4 large cloves garlic, chopped Coarse salt and pepper 2 (15 ounce) cans cannellini beans 1 cup canned tomato sauce or canned crushed tomatoes 2 cups water 1 quart chicken stock 1 1/2 cups ditalini Grated Parmigianino or Romano, for the table Crusty bread, for mopping Heat a deep pot over medium high heat and add oil and pancetta. Brown the pancetta bits lightly, and add herb stems, bay leaf, chopped vegetables, and garlic. Season vegetables with salt and pepper. Add beans, tomato sauce, water, and stock to pot and raise heat to high. Bring soup to a rapid boil and add pasta. Reduce heat to medium and cook soup, stirring occasionally, 6 to 8 minutes or until pasta is cooked al dente. Rosemary and thyme leaves will separate from stems as soup cooks. Remove herb stems and bay leaf from soup and place pot on table on a trivet. Let soup rest and begin to cool for a few minutes. Ladle soup into bowls and top with lots of grated cheese. Pass crusty bread for bowl mopping.

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May 2021

ERA Colonial Free Community Document Shredding

Danny Ashinhurst, ERA Colonial Real Estate, Kyra Smith, Alamo Title with Debra Gray, Dana Poole, Arlene Chalkley, Molly Harvey, Hilary Harvey, Demetrio Gonzalez and Shane Hamilton, all ERA Colonial Real Estate.

Lisa Curtis and Tracy Cooper, both ERA Colonial Real Estate

Shane Hamilton and Debra Gray, both ERA Colonial Real Estate

Molly Harvey, ERA Colonial Real Estate, Jay Franklin, Allstate Insurance Company, Hilary Harvey, ERA Colonial Real Estate and Gigi Franklin, Allstate Insurance Company

Robert Mabry, ERA Colonial Real Estate and Kyra Smith, Alamo Title

Shane Hamilton, Demetrio Gonzalez and Hilary Harvey, all ERA Colonial Real Estate

Be sure to see and download more pictures from this event and others online:

Molly Harvey and Hilary Harvey, both ERA Colonial Real Estate

Jay Franklin, Allstate Insurance Company with Christi Hinsley and Lisa Curtis, both ERA Colonial Real Estate