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REALTOR® Update may 2013

Published by the Virginia Peninsula Association of REALTORS®

75% of Americans would rather buy now than later It’s going to be an interesting spring. Rising home prices and gradually increasing mortgage rates have 75% of Americans stating that it is smarter to buy now than to wait a year, according to a recent study by Trulia. Conversely, fewer than 1 in 3, 32% to be exact, Americans believe it would be better to sell now than to wait another year. However, with inventory at a 12-year low, this mentality has created a seller’s market. This indicates a very aggressive spring season ahead, as buyers scramble to win tough bidding wars and outsmart fierce competition, Trulia says. Good for sellers. Bad for buyers. But just because buyers are busy buying (or trying to buy), doesn’t mean they are always happy with their home. More than half of Americans said they regret at least one thing about their current home or their home-buying process. The top regrets were choosing a home that’s too small, renting instead of buying, not remodeling significantly enough and not being financially secure prior to purchasing. But there’s good news. As the market continues to improve, housing regrets are becoming more and more sparse. In fact, among homebuyers who moved into their current home between 2010 and 2013, there were fewer regrets compared to those who moved between 2003 and 2009, according to Trulia. Better home affordability, lower mortgage rates and conservative bank lending are likely key factors helping buyers avoid major housing regret, the real estate firm notes. So for us buyers, the key is riding out this crazy market. For sellers, enjoy the demand and the multiple offers on your home! By Megan Hopkins, HousingWire

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Support your Affiliate Partners Today!

A very special thank you to the following Partners Diamond Sponsors Atlantic Bay Mortgage - (757) 874-6040 Platinum Sponsors Monarch Mortgage - 757-291-4004 Real Estate Information Network (REIN) - 757-531-7900 Gold Sponsors Fidelity Bank Mortgage - 757-597-0431 National Exterminating - 757-599-3621Â PNC Mortgage - 757-599-6882 PrimeLending - 757-344-3366 SunTrust of Hampton - 757-896-4982 Towne Bank Mortgage - 757-687-5005 Silver Sponsors C&F Mortgage - 757-873-8200 Commonwealth Exterminating Co. - 757-873-2030 Fulton Mortgage Company - 757-873-0435 Movement Mortgage - 757-585-4941 Pillar To Post - 757-564-4454 Bronze Sponsors Daily Press - 757-247-4891 NARPM - 757-876-0284 Old Point Mortgage - 757-876-5681 ServPro of Hampton - 757-560-0757 Shaheen Law - 7567-369-2831 Wells Fargo Home Mortgage- 757-873-3308

Your Member Service with FEET! Check Out Our Tech Department. VPAR offers our members fantastic tech support via our tech guru, Rich Benet. Along with giving general advice, we provide computer repair services at 30 to 50% less than what most tech stores charge. So, why not try us? Contact Rich Benet at 757-599-5222 or rbenet@vpar.org.

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REALTOR® Update The Official Publication of the Virginia Peninsula Association of REALTORS® Officers President Pamela McKinney Lewis, ABR, SFR President-Elect Kimi Dornan, ABR, GRI, SFR Treasurer Chandra Patterson Immediate Past President Sheila Dann, ABR, GRI, SFR Directors Carl Burt • Carol Davanay, ABR, GREEN Theresa Embler • Dewey Hutchins, Jr. Chris Pray • Diana Rondinelli Regina Scott

Advertising Policy While this magazine makes reasonable effort to establish the integrity of its advertisers, it does not endorse advertised products or services unless specifically stated. The publisher reserves the right to reject any advertisement at anytime. Advertisements refused may include, but are not limited to, those that are legally questionable, that may support products or services of questionable standards, or that are inconsistent with the high professional standard of the Code of Ethics of the Association. Advertising is open to REALTOR® members, member firms, affiliate members and non-members. Product advertising is limited to residential subdivisions, commercial, or industrial units and real estate related products and services, excluding personal listings. Equal Opportunity Policy VPAR is pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity. The Association encourages and supports an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, elderliness, religion, sex, handicap, familial status, or national origin. Notice VPAR does not fix, control, recommend, suggest, or maintain commission rates or fees for services rendered by cooperating members or non-members. Editor Dana R. Holben, RCE, e-PRO REALTOR® Update is published monthly by the Virginia Peninsula Association of REALTORS® as a service to its membership. Correspondence and requests for advertising packets should be mailed to REALTOR® Update, Attention: Dana R. Holben, Editor, 1001 North Campus Parkway, Hampton, VA 23666 or call VPAR at (757) 599-5222 or e-mail at dana@vpar.org.

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President’s Message

by Pamela McKinney-Lewis, 2013 VPAR President

The real estate market is heating up! A lot is going on and you are busy with your real estate business. We are all busy, myself included, but we can’t miss out on time to continue to sharpen our skills, network, and to just have plain old fun! Technology has allowed all of us to conduct our business anywhere in the world as though we were right in our office. So, take advantage of the upcoming opportunities that were made available through your REALTOR® membership. To just name a few, in May our New Homes Committee is offering a class on May 3rd to discuss how a new construction home is built, and you can be better informed for your clients. The Public Policy Committee is collaborating with the City of Poquoson to host Poquoson REALTOR® Day on May 7th. You will see all of Poquoson up front and center. The Events Committee is hosting our annual REALTOR® Fest on May 9th and has invited an awesome National Speaker, Terry Watson, who has appeared at the VAR & NAR conference and always has a packed room. NAR is holding our annual midyear conference in Washington, D.C. from May 13th -18th and it is FREE. This is a great time to pick up some education, network, visit with our politicians on the Hill, and to have fun. Last but not least, if you love our annual golf tourney, this year it will be hosted by the Charitable Foundation in June. I plan to be out on the links and hope to see you out there! Don’t forget to check our website: www.vpar.org for more details on upcoming events and education!! All the Best & God Bless, Pamela Lewis

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Risk Management Corner Levert Hill v Associated Holding Group: Buyer’s Lawsuit Continues An Ohio appellate court has considered whether a buyer’s action for misrepresentation against a brokerage and its salesperson could proceed when the salesperson incorrectly told the buyer that she could lease the property to third-parties after purchase. In March 2010, Billie Levert-Hill (“Buyer”) contacted real estate professional Jason Caccamo (“Salesperson”) of Associated Holding Group, LLC, d/b/a Prudential Select Properties (“Brokerage”) about her interest in one of the Salesperson’s listings. She told the Salesperson that she planned to purchase the property as an investment and would lease the property following purchase. The Salesperson’s listing was in a condominium complex, and the so the Salesperson showed the Buyer two other units in the complex as well. The Salesperson provided the Buyer with an agency disclosure form stating that he represented the seller, not the Buyer, in the negotiations for his listing. The Buyer submitted offers for each of the units, but only the Salesperson’s client accepted the Buyer’s offer. Because the Buyer was not represented by a real estate professional, the Brokerage retained the entire commission from the sale. The Buyer requested the association’s bylaws from the Salesperson a number of times so that she could confirm that she had the ability to lease the property. The Salesperson never provided the Buyer with the bylaws and admitted that he forged her signature on a document which stated that she had received the bylaws. The Buyer had called the Salesperson in the midst of the closing to again confirm that she would be able to lease the property, and the Salesperson testified that he had told her that he had reviewed the bylaws and that she would be able lease the property. Following the closing, the Buyer was told by an officer of the condominium association that she could not lease the unit. In fact, the bylaws stated that unless the unit had been registered in 1994, it could not be leased without prior, written approval from the association’s board. Because the Salesperson knew that the Buyer would have only purchased the property if she could lease it, he asked the Brokerage to intervene and help the Buyer because of the bad information the Buyer had received from him. The Brokerage refused to help the Buyer, causing the Salesperson to move to a different firm. The Buyer filed a lawsuit against the Salesperson and Brokerage, alleging breach of contract, breach of fiduciary duty, and fraud. The trial court ruled in favor of the Salesperson and the Brokerage, and the Buyer appealed. continued on pg 15 REALTOR ® Update

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Treasury’s Maggiano defends push for looser credit standards By Megan Hopkins, HousingWire Laurie Maggiano, director of policy for the Treasury’s Homeownership Preservation Office, told attendees at the REOMAC 2013 Summit & Expo that, while the housing crisis is in full recovery, consumers continue to lack confidence. Maggiano shared with the crowd how difficult the lending rulemaking process is and how many complaints she hears on a daily basis. “This stuff is not easy,” she noted. Maggiano informed the crowd that the administration is acutely aware of the struggles many homeowners are still facing and guaranteed actions are being taken. In fact, just last week there were three housing initiatives announced by the Administration in order to connect struggling homeowners with corrective programs that can assist them. The first initiative is a partnership between the Treasury and NeighborWorks America to increase outreach and support for struggling homeowners seeking assistance via the Making Homes Affordable Program. Through this initiative, counselors will seek homeowners in need, helping them complete and submit application documents to their servicers, free-of-charge. Secondly, the Department of Labor is encouraging American Job Centers throughout the country to inform unemployed homeowners about their foreclosure prevention options. The final initiative is an effort from the U.S. Department of Housing and Urban Development to launch the Housing Counseling Office, which was established by Dodd-Frank. Through this initiative, 2,500 HUD-approved counselors will provide free or low-cost information about foreclosure prevention as well as advice regarding homeownership and renting. Maggiano continued by addressing the recent request from President Obama to loosen lending standards last week, an action that has drawn much criticism after the Consumer Financial Protection Bureau recently announced regulations to tighten credit standards.

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Between 2007 and 2012, new home purchases dropped 30% for those with a FICO score over 780, said Maggiano. In that same period of time, new home sales dropped 90% for borrowers with a FICO score between 620 and 680. “Where are these folks supposed to live?” asked Maggiano. First-time homebuyers and folks who have faced the misfortune of unemployment (no matter how short it may have been) likely no longer have the credit score necessary to get a mortgage. She noted that the current average FHA credit score is only 700. We need to get back to a place where it’s no longer only those with perfect credit scores and 25% to 30% down getting a loan, Maggiano concluded.

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Welcome New Members! Members on the Move - Transfers Andreianna Bazemore to Megan Bocklet to Julie Cawley to Thomas Connor to Bea Franks to Gail Johnson to Olivia Laurenn to Barbara Pall to Linda Pitman to James Robertson to Joann Wood to

Prudential Towne Realty Keller Williams Realty Keller Williams Realty Brooke Madison & Associates Liz Moore & Associates EZ-Vest Realty Keller Williams Realty Brooke Madison & Associates Powell & Associates Brooke Madison & Associates Abbitt Realty

NEW MEMBERS James Auvil – Brooke Madison & Associates Jennifer Fox – Prudential Towne Realty Stefanie Hansler – Mid-Atlantic Residential Holly Herbert – Amanda M. Walsh Real Estate Katherine Woodruff – Greg Garrett Realty.Com

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Risk Management Corner continued The Court of Appeals of Ohio, Eighth District, partially reversed the lower court and sent the case back to the lower court for further proceedings. The court first looked at the misrepresentation claims. While there was no evidence of intentional misrepresentation because the Salesperson had believed that the condominium complex allowed the leasing of units, the evidence could support a negligent misrepresentation claim. A negligent misrepresentation claim can include allegations that a person who, during the course of his/ her business, supplies false information to others and these individuals rely on this information to their detriment, if the person providing the information fails to exercise reasonable care or competence when communicating the information. Here, the Salesperson had failed to investigate whether units could be leased and had provided false information to the Buyer. Thus, the court ruled that a jury should consider the negligent misrepresentation allegations. Next, the court looked at the breach of fiduciary duty allegations. The Salesperson had purportedly represented the Buyer in only two of three offers she had made, providing a form stating that he was not representing her while she made an offer for the Salesperson’s own listing. There was testimony from both the Buyer and the Salesperson that they thought, despite the form’s language, that the Salesperson was representing her in that transaction as well and thus acting as a dual agent. Therefore, the court ruled that a jury should consider these allegations as well and sent the case back to the trial court. Levert-Hill v. Associated Holding Group, L.L.C., 975 N.E.2d 575 (Ohio Ct. App. 2012).

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Off my Desk…. CEO Report Dana R. Holben, RCE, e-PRO I finally had the opportunity to watch the movie “Lincoln”. And it was incredible! It showed the life of President Abraham Lincoln within a four month span. It shows the debate of the 13th Amendment to the Constitution, the Civil War and ultimately, his death. The one thing that was a constant, was how Lincoln believed in bettering oneself. President Lincoln was self educated and became a country lawyer, a Whig Party leader, Illinois state legislator during the 1830s, and a one-term member of the United States House of Representatives during the 1840s. And of course, became the 16th President of the United States in 1861. Education is paramount in any profession. While you have to have 16 hours of continuing education for your license renewal, what other education are you pursuing? Have you thought about a designation? What about knowledge for knowledge sake? VPAR has continued through our committees, Professional Development, New Homes and Property Management, to bring varied educational offerings to you, the VPAR member, to help you do better business. Each month, VPAR beings one or more of the following offerings: REALTOR® Enrichment Series, Lunch and Learn, Risk Management Night Court, 8 hour Required, Elective or Broker, or just courses that you need for your business, like the VRLTA course, General Membership meetings, where in April, we discussed Transportation, Expanding Housing Opportunity and Fair Housing to name just a few. During REALTOR® Fest, Terry Watson, a nationally renowned speaker, is coming to present to VPAR members “Top 10 Technology Mistakes Agents Make!” You don’t know who Terry Watson is? Click here for a brief glimpse... Technology is every changing and if you aren’t keeping up, you will be left behind. And if you are keeping up, are you making any mistakes that could cause you to be brought up on violations in the Code of Ethics or through VREB? VPAR is here for you and your business. We provide services you need for your business, check us out!

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Governmental Affairs Update by Susan Gaston, Governmental Affairs Consultant

LOCAL ISSUES HAMPTON The final state budget that goes into effect July 1st for the next two years included appropriations to the Joint Langley Air Force Base/Ft. Eustis clear zone efforts, allowing for the purchase of land near both installations from willing sellers. (With the state money in place along with funds set aside locally, eminent domain likely will not be used to protect the bases from encroachment.) Already, willing sellers have approached the City of Hampton to inquire as to the process. VPAR was very involved in the Joint Langley Air Force Base/Ft. Eustis Joint Land Use Study (JLUS) a couple of years ago, where we again worked on noise and crash issues near both bases. In addition, members may recall that over a decade ago, VPAR worked with LAFB officials, officials from the City of Hampton and Department of Defense brass to develop meaningful disclosure language regarding the Air Installation Compatible Use Zone (AICUZ) that now is part of the Virginia Residential Real Property Disclosure form. TAKE PRIDE, VPAR! Your efforts and work on that issue are spreading! VPAR has been contacted by officials at Marin Corps Base Quantico to provide information and details regarding the local JLUS, particularly with regard to the AICUZ language. Nice to know your resourcefulness and influence are making it to the beltway! HAMPTON/NEWPORT NEWS VPAR is receiving details from agents throughout the region, but most notably in Hampton and Newport News, advising that copper thefts again are on the rise. HVAC units are a common source of the vandalism, with the entire units being lifted off their pads and stolen. Copper pipes and wires from other sources also are on the hit list. If you have information regarding these incidents, certainly contact your local law enforcement and also advise Susan Gaston at susan@gastongroup.com. VPAR is working with local law enforcement to provide education and details to stem the tide. POQUOSON Mark your calendars! VPAR’s REALTOR® Day in Poquoson will be held on Tuesday, May 7th beginning at 9:00 AM at the Poquoson Yacht Club and running through 1:30 PM. Both breakfast and lunch are included in this FREE event! Hear from City leaders and take away new details on City efforts and issues. More details to come! STATE VPAR and most every other local Association in Virginia is working diligently with VAR to levy influence at the Department of Professional and Occupational Regulation (DPOR) so that licensee transfers may be completed in a more timely fashion. Of critical importance is the work we are doing to insure that licensees in transfer are able to conduct business. VPAR will include this issue in its 2014 Legislative Package. In the meantime, if you are having difficulty in a license transfer, please contact us so that we can continue to press the importance of this issue. While the 2013 Session just adjourned, it never is too early to start thinking about 2014! VPAR’s Public Policy Committee will begin consideration of issues for the 2014 Session within the coming weeks. If you know of an issue that you would like to place under consideration for legislative review, please forward details to susan@gastongroup.com.

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Governmental Affairs Update by Susan Gaston, Governmental Affairs Consultant

STATE ELECTIONS November will see Virginia voters return to the ballot box to elect new statewide leaders: Governor, Lt. Governor and Attorney General. VAR and the RPAC of Virginia Trustees will interview all candidates following the convention and primary elections. Typically, the statewide candidates interview in August. We will keep you informed as to the state association efforts on this important election. Closer to home, VPAR’s Public Policy Committee will conduct candidates interviews post-Labor Day for our House of Delegates members. This process is critical to the success of our legislative agenda: VPAR, through member’s RPAC investments, support candidates who support our pro-housing and pro-business legislative agenda. Much more to come on the elections! RPAC VIDEO On April 23, VPAR members who invest in RPAC provided valuable testimonials to explain WHY they support the largest and most influential PAC in Virginia. Lynn Grimsley, Perry Pilgrim, Peggy Todd, Pamela McKinney Lewis, Vic Rondinelli, Chandra Patterson and Dale Chandler will be featured in an RPAC video that currently is under production. Hope to see you at the premier at REALTOR Fest on May 9th! FEDERAL Your Federal Political Coordinators are working hard to schedule May meetings in Washington with their team members! There will be much to follow at the conclusion of those sessions, but hats off to Mary Beth Pauley and Chandra Patterson for their outstanding work as the REALTOR® points of contacts for Congressmen Wittman and Scott, respectively. NAR President Testifies on FHA NAR President Gary Thomas testified this week before the House Financial Services Subcommittee on Housing and Insurance about the importance of the FHA mortgage insurance program. This was the fourth in a series of hearings being held by the Committee since FHA’s 2013 actuarial report showed a negative net value of $13.48 billion. FHA has made significant changes to improve their financial standing, including raising premiums and lender enforcement. NAR believes Congress can provide additional tools to FHA including program flexibility, increased risk management controls, and improved management. President Thomas cautioned Congress from making significant changes to FHA that could hamper our housing recovery and disenfranchise qualified borrowers. Read the testimony here: http://www.ksefocus.com/billdatabase/clientfiles/172/1/1772.pdf. For additional information and details, or if you have questions, please do not hesitate to contact VPAR’s Legislative Consultant, Susan Gaston, at 757-871-445 or at susan@gastongroup.com.

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Education Opportunities Anatomy of a House CE/PL Seminar with Terry Gearhart on Friday, May 3rd – 9-12 Noon Are you curious how new homes are built? Do you get asked questions by clients about the particulars and functions of components in homes and can’t really answer them? With this course you get a classroom segment at VPAR touching on the construction schedule and step-by-step home building process. Weather and site permitting you will visit a nearby home site to see it all in person! This class has been submitted for 3 hours CE/PL education credit. Cost is only $20 for the hours! Refreshments are generously sponsored by Atlantic Bay Mortgage. 8 Hour Required CE Course on Monday, May 13th May 13, 2013 8 Hour Required Continuing Education Course $50 members, $60 nonmembers 8:30 -5:00 p.m. VPAR After Hours Social on Monday, May 13th 5-7 p.m. May 13, 2013 – 5-7 p.m. Marker 20 in downtown Hampton. Generously sponsored by Monarch Mortgage Free appetizers and door prizes too!! 3 Hour Residential Standard Agency Course on Monday, May 20th 9 a.m. -12 p.m. The 3 hour Residential Standard Agency required course within this licensing period. Cost is $30 members, $35 non-members. Instructed by Donna Moyer. 8 Hour Elective CE/PL Course on Tuesday, May 21st 8 Hour Elective Subjects Continuing Education – Also a great way for new post licensees to get to their 30 hours! $50 members, $60 non-members 8: 30 A.M. -5:00 P.M FREE Lunch & Learn Seminar: “All About Avectra”” on Thursday, May 23rd from 12-1 p.m. Your new Membership database, Avectra will be discussed – and you will learn not only how to find courses and pay for fees but to directly interface with committees/members; create and update your member profile and use social media within the system. We will have a representative from Avectra to teach us how to navigate this new database. Staff has been learning right alongside of you and we thank you for your patience! Mark Your Calendars Now for Upcoming May Courses & Events May 3, 2013 – RES Course: Anatomy of a House May 6, 2013 – New Member Indoctrination Course May 9, 2013 – REALTOR® Fest Education & Tradeshow Event at Hampton Convention Center May 13, 2013 – 8 Hour Required Continuing Education Course May 13, 2013 – VPAR After Hours Social at Marker 20 in downtown Hampton May 20, 2013 – 3 Hour Residential Standard Agency Course May 21, 2013 – 8 Hour Elective CE/PL Course May 23, 2013 – FREE Lunch & Learn- All About Avectra

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Sequester creates cracks in HUD’s structure “The current organizational model for HUD is not sustainable from a financial and a service delivery point of view,” said Maurice Jones, deputy secretary of HUD. “We’re in a different budget environment and we’re at a point where we must make some extremely tough choices.” The U.S. Department of Housing and Urban Development is downsizing by consolidating its Office of Multifamily Programs into 10 sites, the agency announced Wednesday. The decision to restructure HUD comes at a time when sequester cuts are impacting every aspect of the economy, including federal agencies. The restructuring of HUD is expected to generate up to $45 million in annual savings once complete after consolidating field employees — who are now scattered throughout the nation in 50 offices — into 10 offices that report to five multifamily hubs. The office’s restructuring plan involves streamlining multifamily’s organization at both the headquarters level and in the field, while implementing several other operational improvements. This more streamlined model will allow more consistent, efficient processing of loans and servicing of existing assets and will help ensure continued work that creates affordable rental housing opportunities, HUD said. “The current organizational model for HUD is not sustainable from a financial and a service delivery point of view,” said Maurice Jones, deputy secretary of HUD. “We’re in a different budget environment and we’re at a point where we must make some extremely tough choices.” The implementation will undoubtedly challenge the agency’s employees and as a result, HUD is giving all employees the opportunity to continue working at the agency though in some cases in a new location or role. Completion of the entire restructuring process is expected to take two and a half years, with construction beginning this fall. The Office of Multifamily Programs provide mortgage insurance to approved lenders to facilitate the construction, substantial rehabilitation, purchase and refinancing of multifamily housing projects as well as the administering a number of project-based assistance programs. This more streamlined model will allow more consistent, efficient processing of loans and servicing of existing assets and will help ensure continued work that creates affordable rental housing opportunities, according to HUD.

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Sequester continued “We have to change in order to be nimble and keep pace with the marketplace by leveraging technology, reducing our footprint as appropriate, and enhancing customer service in ways that will help ensure that we perform as a 21st century institution,” said Marie Head, deputy secretary for multifamily housing programs. She added, “In today’s budget climate, we must also look for every opportunity to increase our operating efficiency, but we also have to keep in mind the impact of these changes on our employees.” HUD’s Office of Field Policy and Management is also managing towards the future, closing 16 of its 80 field offices this year in a cost-cutting move that is estimated to save the agency between $110 and $150 million over the next 10 years. The closures, which will be completed in 2014, will affect 120 employees. “The most difficult part of implementing these changes is the appreciation of the very personal impact they have on employees who have dedicated years of their life to the mission of HUD,” Jones said. He added, “Realistically, there is no way to make the kind of structural changes we are talking about without there being some impact on our staff, but, again, we are committed to taking all necessary steps to reduce the negative impact they will feel.” Author: Christina Mlynski, HousingWire

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2013 Education and Events Year at a Glance May 6th- New Member Indoctrination 9th REALTOR® Fest Trade Show 9th – National Speaker Terry Watson – REALTOR® Fest 13th – 8 Hour Required CE Course 13th – After Hours Social 16th – REALTOR® Enrichment Series 20th – Residential Standard Agency 20th – Night Court 21st – 8 Hour Elective Course 23rd – Lunch & Learn Free Course June 6th – Lunch & Learn Free Course 11th – 8 Hour Required CE Course 13th – Expanding Housing Opportunities – NAR Designation 14th – Employer Assisted Housing – NAR Designation 17th – After Hours Social 20th – REALTOR® Enrichment Series 25th- 8 Hour Broker/Manager 8 Hour CE Course July 8th- New Member Indoctrination Course 9th – 8 Hour Required CE Course 15th – Night Court 18th – REALTOR® Enrichment Series 22nd - Residential Standard Agency Course 22nd – After Hours Social August 8th – Lunch & Learn Free Course 12th- 8 Hour Required CE Course 15th – REALTOR® Enrichment Series 19th – After Hours Social 27th – Broker/Manager 8 Hour CE Course

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September 9th – New Member Indoctrination Course 10th – 8 Hour Required CE Course 12th – Lunch & Learn Free Course 16th – Night Court 17th – 8 Hour Elective CE course 19th – REALTOR® Enrichment Series 23rd – Residential Standard Agency Course 23rd – 25th – Post Licensing Course Series 23rd – After Hours Social October 7th – 8 Hour Required CE Course 10th – Lunch & Learn Free Course 15th – Broker/Manager 8 Hour CE Course 17th – REALTOR® Enrichment Series 21st - After Hours Social 22nd – General Membership Breakfast 25th – Broker/Manager Retreat November 4th – New Member Indoctrination Course 5th – REALTOR® Enrichment Series 12th – 8 Hour Required CE Course 14th – Lunch & Learn Free Course 18th – Residential Standard Agency Course 18th – After Hours Social 19th – 8 Hour Elective CE Course December 10th – 8 Hour Required CE Course 16th – VPAR Holiday Social

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Go to www.VPAR.org for the Calendar of Events

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VPAR May 2013 REALTOR Update  

Virginia Peninsula Association of REALTORS Monthly Member Magazine

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