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2014 Member Resources Guide Worcester Regional Association of REALTORS速 The Worcester Regional Associa on of REALTORS速 492 Washington Street, Auburn, MA 01501 Tel: 508-832-6600 * Fax: 508-832-6620 www.wrar.org


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To our Valued Members We are pleased to present this REALTOR® reference guide. We have strived to include the essen al elements of the REALTOR® Associa on so that you have one central reference source. Inside you will find valuable tools to help you have a successful year. A lis ng of our Affiliated Business Partners is included. These Affiliates are commi ed to the success of our Associa on and to you. Our Affiliates should be the PRIMARY RESOURCE for you, as they have taken a pledge to provide quality service and to live up to the ethical and compliance standards of their profession. Thank you for your con nued support. We wish you much success in 2014!

Worcester Regional Association of REALTORS® 2014 Board of Directors & Staff Dave Stead Brad Roberts Kris Koliss Sarah Gustafson Conrad Allen Rochelle Jonswold Kathleen Cooper Jayne DiLiberto Tracy Fiorelli

President President Elect Vice President Secretary Treasurer Past President Director Director Director

Colleen Pappas Lisa Sprague Jacki D’Innocenzo Maura O’Connor Lynne Walls

Erika Hall Lorraine Herbert Lee Joseph Judy Pa erson Mary Stolarczyk Leslie Storrs

Director Director Director Director Director Director

Diane Dabrowski Kathleen McSweeney

Alternate Alternate

Execu ve Vice President Membership Manager Marke ng Manager Staff Accountant Administra ve Assistant


Basic Principles of The REALTOR® Code of Ethics Accep ng this standard as their own, REALTORS® pledge to observe the spirit of the Code in all of their ac vi es and to conduct their business in accordance with the tenets set forth below. 1. Protect and promote your client’s interests, but be honest with all par es. 2. Avoid exaggera on, misrepresenta on and concealment of per nent facts. Do not reveal facts that are confiden al under the scope of your agency rela onship. 3. Cooperate with other real estate professionals to advance your client’s best interests. 4. When buying or selling, make your posi on in the transac on or interest known. 5. Disclose present or contemplated interest in any property to all par es. 6. Avoid side deals without your client’s informed consent. 7. Accept compensa on from only one party, except with full disclosure and informed consent. 8. Keep the funds of clients and customers in escrow. 9. Assure, whenever possible, that transac onal details are in wri ng. 10. Provide equal service to all clients and customers. 11. Be knowledgeable and competent in the fields of prac ce in which you ordinarily engage. Obtain assistance or disclose lack of experience if necessary. 12. Present a true picture in your adver sing and other public representa ons. 13. Do not engage in the unauthorized prac ce of law. 14. Be a willing par cipant in Code enforcement procedures. 15. Ensure that your comments about other real estate professionals are truthful and not misleading. 16. Respect the agency rela onships and other exclusive rela onships recognized by law that other REALTORS® have with their clients. 17. Arbitrate contractual and specific non-contracted disputes with other REALTORS® and with your clients. For full text, refer to: Code of Ethics and Standards of Prac ce of the Na onal Associa on of REALTORS® 1-800-874-6500


Important Phone Numbers WRAR ............................................................................ 508-832-6600 WRAR Fax ...................................................................... 508-832-6620 MAR General Line .......................................................... 781-890-3700 MAR - Customer Service ................................................ 800-725-6272 MAR Legal Hotline ......................................................... 800-370-5342 Na onal Assn. of REALTORS® ........................................ 800-874-6500 MLS PIN ......................................................................... 508-845-1011 State Board of Registra on............................................ 617-727-2373

Have you visited our website lately? Come take a look at our newly-redesigned site. Get the latest REALTOR® news, register for the latest CEU and Professional Development classes offered, or sign up for a networking event. It’s all at your finger ps now! Visit us at www.wrar.org


The REALTOR速 Pledge

I am a REALTOR速 I Pledge Myself: To protect the individual right of real estate ownership and to widen the opportunity to enjoy it; To be honorable and honest in all dealings; To seek to be er represent my clients and customers by building my knowledge and competence; To act fairly toward all in the spirit of the Golden Rule; To serve my community well, and through it, my country; And to observe the Code of Ethics of the NATIONAL ASSOCIATION OF REALTORS速 and conform my conduct to its lo y ideals.


Affiliate Business Partner Pledge

I PLEDGE THAT: I will help promote the Affiliate Membership of the Worcester Regional Associa on of REALTORS® with tradi onal and non-tradi onal memberships. I will support members of the Worcester Regional Associa on of REALTORS® by contribu ng to help build and enhance improve REALTOR® programs, events and educa on to promote REALTOR® awareness and advocacy in our communi es. I will provide quality service and live up to the ethical and compliance standards of my profession. In addi on, I will follow up and communicate with any leads or referrals I receive from the Worcester Regional Associa on of REALTORS® members. I will be professional, conscien ous, trustworthy and suppor ve of all members of the Worcester Regional Associa on of REALTORS®. I will be a supporter of goodwill events to benefit local chari es through the Worcester Regional Associa on of REALTORS®.


Useful Links for Your Business www.buyworcesternow.com: Buy Worcester Now is a private/public partnership to preserve and promote homeownership in the City of Worcester by matching poten al homebuyers with the best and most responsible mortgage products for purchasing a home in Worcester today. www.chapa.org: Ci zens’ Housing and Planning Associa on (CHAPA) is a nonprofit umbrella organiza on for affordable housing and community development acvi es in MA. www.craigslist.com: A centralized network of online communi es, featuring free online classified adver sements – with sec ons devoted to jobs, housing, personals, for sale, services, community, gigs, resumés, and discussion forums. www.ehow.com: An online community dedicated to providing visitors, like you, the ability to research, share, and discuss solu ons and ps for comple ng day-today tasks and projects. It combines the experien al knowledge of cer fied experts with the prac cal knowledge of everyday people to help you discuss, plan, and complete tasks. www.fanniemae.com: A governmentsponsored enterprise (GSE) chartered by Congress with a mission to provide liquidity, stability and affordability to the U.S. housing and mortgage markets. www.freddiemac.com: Chartered by Congress in 1970 with a public mission to stabilize the na on’s residen al mortgage markets and expand opportuni es for homeownership and affordable rental housing, their mission is to provide liquidity, stability and affordability to the U.S. housing market.

www.houselogic.com: A free source of informa on and tools - from the NATIONAL ASSOCIATION OF REALTORS® - that can help you make smart and mely decisions about your home. h p://license.reg.state.ma.us: This secon of the Mass Board of Registra on lets you check up on your Real Estate license status 24 hours a day, 7 days a week. Visit www.Mass.Gov for much more informaon about the state of Massachuse s! www.lis ngdomains.com: Professionally designed, affordable single property websites. Building a website for your lis ngs is a simple and extremely useful way to win lis ngs, keep sellers happy and keep buyers interested! www.makinghomeaffordable.gov: Provides detailed informa on and resources about these programs. Homeowners can also connect with free HUD-approved counseling organiza ons, locate free events in their area, find the applica on documents necessary to apply for the MHA Program and more. www.mapass.com: A property appointment scheduling service focused on the real estate industry. Our mission is to enable real estate agents to schedule as many showing appointments as they need as efficiently as possible. www.marealtor.com: MA Associa on of REALTORS® website provides you with an array of real estate informa on and benefits. You can find anything real estate related, from RE forms to savings on auto oil change!


Useful Links for Your Business www.masshousing.com: MassHousing, the state’s affordable housing bank, supports the crea on, preserva on and longterm viability of affordable homeownership and rental housing opportuni es for Massachuse s residents with modest incomes. MassHousing is a self-sustaining agency and does not use taxpayer dollars in its programs. www.massresources.org: Provides useful informa on about a wide range of assistance programs for people in need living in Mass. It provides informa on on available benefits, applica on, eligibility requirements, benefit amounts, and more. www.mersinc.org: MERS was created by the mortgage banking industry to streamline the mortgage process by using electronic commerce to eliminate paper. Their mission is to register every mortgage loan in the United States on the MERS® System. www.mhp.net: The Massachuse s Housing Partnership (MHP) is a statewide public non-profit affordable housing organiza on that works in concert with the Governor and the state Department of Housing and Community Development to help increase the supply of affordable housing in Mass. www.mlspin.com: The largest Mul ple Lis ng Service in New England and one of the largest in the na on. We offer a database of over 50,000 proper es for sale and more than one million off-market listings, as well as full public records for all of Massachuse s, Rhode Island, and other areas of New England.

www.narrpr.com: REALTORS® Property Resource (RPR) is a member benefit of the Na onal Associa on of REALTORS®, is a na onal database of assessor, recorder, and mortgage data, MLS content, foreclosure informa on, demographics, neighborhood data, and more. h p://portal.hud.gov: HUD’s mission is to create strong, sustainable, inclusive communi es and quality affordable homes for all. HUD is working to strengthen the housing market to bolster the economy and protect consumers; On Hud’s website you can find a variety of informa on about housing, financing and much more. www.schooldigger.com: Find test scores, rankings, district boundaries, student/ teacher ra os, ethnic makeup, and scores of other useful metrics and informa on for over 120,000 elementary, middle, and high schools in the United States! www.vflyer.com: vFlyer is a classified ad crea on, management and submission pla orm that enables online sellers to quickly and easily create a rac ve classified ads or “virtual flyers” that can be posted on dozens of leading online marketplaces in a few simple clicks. www.worcesterdeeds.com: Worcester South District Registry of Deeds’ Online Registry offers access to documents through MassLandRecords.com and informa on on our other services. www.wrar.org: Your local REALTOR® connec on to your company profile, Con nuing Educa on, most current Calendar of Events, Associa on Documents and Policies, Newsle ers, Local Benefits, Useful Links and Associa on Directors and staff.


WRAR 2014 Calendar of Events Date

Time

Event

3-Feb 10-Feb 11-Feb 17-Feb 20-Feb 25-Feb 27-Feb 28-Feb 8-Mar 11-Mar 13-Mar 18-Mar 28-Mar 7-Apr 10-Apr 16-Apr 17-Apr 21-Apr 29-Apr 5-May 8-May 8-May 10-May 13-May 20-May 26-May 5-Jun 11-Jun 12-Jun 17-Jun 18-Jun 20-Jun 26-Jun 4-Jul 10-Jul 15-Jul

8:30 - 11:00 8:30 - 3:00 8:00 - 2:00

DR Breakfast New Member Orienta on Con nuing Educa on Classes Presidents’ Day - WRAR Closed Business Builders Series Lunch & Learn w/Fairway Mortgage NE Affiliate Apprecia on Night Con nuing Educa on Classes Con nuing Educa on Classes CEU Classes @ Fidelity Bank Leominster Business Builders Series Lunch & Learn w/Fairway Mortgage NE Con nuing Educa on Classes CEU: Fair Housing with Jamie Williamson Business Builders Series New Member Orienta on WRAR Awards Luncheon, Wachuse Country Club Patriots’ Day - WRAR Closed Con nuing Educa on Classes DR Breakfast RCAMA Con nuing Educa on Program Business Builders Series Con nuing Educa on Classes Lunch & Learn w/Fairway Mortgage NE Con nuing Educa on Classes Memorial Day - WRAR Closed Con nuing Educa on Classes REALTOR® Day on the Hill Business Builders Series Lunch & Learn w/Fairway Mortgage NE New Member Orienta on Con nuing Educa on Classes WRAR Golf Tournament, Wachuse Country Club Independence Day - WRAR Closed Business Builders Series Con nuing Educa on Classes

2:00 - 4:00 10:30 - 1:00 5:00 - 7:00 8:00 - 2:00 8:00 - 2:00 9:00 - 1:00 2:00 - 4:00 10:30 - 1:00 8:00 - 2:00 9:00 - 11:00 2:00 - 4:00 8:30 - 3:00 11:30 - 2:30 8:00 - 2:00 8:30 - 11:00 9:00 - 1:00 2:00 - 4:00 8:00 - 2:00 10:30 - 1:00 8:00 - 2:00 8:00 - 2:00 TBA 2:00 - 4:00 10:30 - 1:00 2:45 - 9:00 8:00 - 2:00 TBA 2:00 - 4:00 8:00 - 2:00


WRAR 2014 Calendar of Events Date

Time

Event

30-Jul 14-Aug 15-Aug 26-Aug 1-Sep 8-Sep 9-Sep 11-Sep 11-Sep 12-Sep 16-Sep 17-Sep 19-Sep 23-Sep 7-Oct 9-Oct 13-Oct 22-Oct 24-Oct 28-Oct 1-Nov 3-Nov 5-Nov 6-Nov 7-Nov 11-Nov 13-Nov 18-Nov 19-Nov 20 - Nov 27&28-Nov 5-Dec 9-Dec 11-Dec 19-Dec 25-Dec

8:00 - 2:00 2:00 - 4:00 8:00 - 2:00 8:00 - 2:00

Con nuing Educa on Classes Business Builders Series Con nuing Educa on Classes Con nuing Educa on Classes Labor Day - WRAR Closed DR Breakfast MAR Caucus RCAMA Con nuing Educa on Program Business Builders Series Con nuing Educa on Classes Lunch & Learn w/Fairway Mortgage NE New Member Orienta on Legisla ve Breakfast, College of the Holy Cross Con nuing Educa on Classes Con nuing Educa on Classes Business Builders Series Columbus Day - WRAR Closed WRAR Annual Mee ng Con nuing Educa on Classes Lunch & Learn w/Fairway Mortgage NE Con nuing Educa on Classes DR Breakfast New Member Orienta on Business Builders Series Lunch & Learn w/Fairway Mortgage NE Veterans’ Day - WRAR Closed Con nuing Educa on Classes CBR Designa on CBR Designa on MAR Caucus Thanksgiving Holiday - WRAR Closed Lunch & Learn with Fairway Mortgage NE Con nuing Educa on Classes Business Builders Series Con nuing Educa on Classes WRAR Closed

8:30 - 11:00 1:00 - 3:30 TBA 2:00 - 4:00 8:00 - 2:00 10:30 - 1:00 8:30 - 3:00 8:00 - 10:30 8:00 - 2:00 8:00 - 2:00 2:00 - 4:00 8:30 - 10:30 8:00 - 2:00 10:30 - 1:00 8:00 - 2:00 8:30 - 11:00 8:30 - 3:00 2:00 - 4:00 10:30 - 1:00 8:00 - 2:00 9:00 - 5:00 9:00 - 5:00 1:00 - 3:00 10:30 - 1:00 8:00 - 2:00 2:00 - 4:00 8:00 - 2:00


Our Affiliated Business Partners Appraisal Services Taylor, Cathy Mass Conn R.E. Appraisals 43 Thompson Road Webster, MA 01570 massconnappraisals@charter.net

Attorney Services Jessica Albino Law Office of Jessica Albino 21 Harrison Avenue Auburn, MA 01501 albinolaw@live.com

David Rocheford The Law Office David Rocheford 300 West Main Street, Bldg.A, Northboro, MA 01532 davidr@thebestclosings.com Chris ne Zicaro Law Office of Chris ne Zicaro 238 Shrewsbury Street Worcester, MA 01604 chris ne@zicarolaw.com

Banks & Mortgage Companies

John “Jay” Barron, Esq. Cahn & Barron, LLC 53 East Central Street Worcester, MA. 01605 jbarron@centralmasslaw.com

Kwame Bonsu Bank of America 91 W. Boylston Street W. Boylston MA 01583 kwame.d.bonsu@bankofamerica.com

Patrick M. Flynn Flynn Law Office 351 Main Street Oxford, MA 01540 patrick@flynnlawma.com

Thomas Garner Bank of America 6 Bedford Farms, Suite 1 Bedford, NH 03110 thomas.p.garner@bankofamerica.com

Harry P. Kotseas Law Office of Harry P. Kotseas 94 Highland Street Worcester, MA 01609 hpk@kotseas.com

Marc Pisa Bank of America 29 W. Boylston Street Worcester MA 01605 marc.a.pisa@bankofamerica.com

Alicia O’Connell O’Connell & O’Connell, P.C. 425 Pakachoag Street Auburn, MA 01501 alicia@philipoconnell.com

Robert Bonofiglio Bank of Canton Mortgage Center 850 Southbridge Street Auburn, MA 01501 rbonofiglio@thebankofcanton.com

R. Craig Reynolds Reynolds Law Offices 111 Main Street S. Lancaster, MA 01561 craig@reynoldslaw.com

Gene Deary Bank of Canton Mortgage Center 850 Southbridge Street Auburn, MA 01501 gdeary@thebankofcanton.com


Our Affiliated Business Partners Arle e Lynch Bank of Canton Mortgage Center 850 Southbridge Street Auburn, MA 01501 alynch@thebankofcanton.com

Bryan Larson Fairway Independent Mtg Co. 200 High Street, 5th floor Boston, MA 02110 bryanl@fairwaymc.com

Gary Premo Bank of Canton Mortgage Center 850 Southbridge Street Auburn, MA 01501 gpremo@thebankofcanton.com

William Murphy Fairway New England Mortgage 5 Albert Street Auburn, MA 01501 wmurphy@fairwaymc.com

Edward Powers Clinton Savings Bank 200 Church Street Clinton, MA 01510 epowers@clintonsavings.com

Jamieson Burgoyne Fidelity Bank 9 Leominster Connector Leominster, MA 01453 jburgoyne@fidelitybankonline.com

Kelly Gaumond Country Bank for Savings 75 Main Street Ware, MA 01082 kgaumond@countrybank.com

Peter Favata Fidelity Bank 9 Leominster Connector Leominster, MA 01453 pfavata@fidelitybankonline.com

Heidi-Jo Kemp Country Bank for Savings 75 Main Street Ware, MA 01082 hkemp@countrybank.com

Ed Manzi Fidelity Bank 9 Leominster Connector Leominster, MA 01453 emanzi@fidelitybankonline.com

John B. Saari Emery Federal Credit Union 74 Elm Street Worcester, MA 01609 themortgagebuddy@gmail.com

Dana Roberts Fidelity Bank 9 Leominster Connector Leominster, MA 01453 Droberts@fidelitybankonline.com

George Fotos Envoy Mortgage 418 Main Street, 5th Floor Worcester, MA 01608 gfotos@envoymortgage.com

Yamile Sickles Fidelity Bank 9 Leominster Connector Leominster, MA 01453 ysickles@fidelitybankonline.com


Our Affiliated Business Partners Stephen Smith Fidelity Bank 9 Leominster Connector Leominster, MA 01453 ssmith@fidelitybankonline.com

John Minigiello GMH Mortgage 10 Liberty Street Danvers, MA 01923 jminigiello@gmhmortgage.com

Lisa Thomann Fidelity Bank 9 Leominster Connector Leominster, MA 01453 lthomann@fidelitybankonline.com

Ed Moloney GMH Mortgage 10 Liberty Street Danvers, MA 01923 emoloney@gmhmortgage.com

Kathryn Weldon Fidelity Bank 9 Leominster Connector Leominster, MA 01453 kweldon@fidelitybankonline.com

Sean Pashoian GMH Mortgage 10 Liberty Street Danvers, MA01923 spashoian@gmhmortgage.com

Denis Damore First Eastern Mortgage Corp 130 Cedar Street Milford, MA 01757 denisd@firsteastern.com

Karen Freeman Mortgage Master 276 Turnpike Road, Ste 213 Westboro, MA 01581 kfreeman@mortgagemaster.com

Deven Ewing First Eastern Mortgage Corp 130 Cedar Street Milford, MA 01757 dewing@firsteastern.com

Mary Roughan NE Moves Mortgage 2 Maple Avenue Shrewsbury, MA 01545 mary.roughan@NEmoves.com

Claire Burlas Flynn First Eastern Mortgage Corp 130 Cedar Street Milford, MA 01757 claireb@firsteastern.com

Donna Tiso North Brookfield Savings Bank 35 Summer Street North Brookfield, MA 01535 d so@banknbsb.com

Jim Flynn First Eastern Mortgage Corp 130 Cedar Street Milford, MA 01757 jimflynn@firsteastern.com

Wendy Burde Prospect Mortgage 1393 Gra on Street Worcester, MA 01604 wendyburde @gmail.com


Our Affiliated Business Partners Dave Samara Prospect Mortgage 1393D Gra on Street Worcester, MA 01604 david.samara@prospectmtg.com

Robert Kalagher Ross Mortgage Co., Inc. 134 Flanders Road Westboro, MA 01581 rob.kalagher@rossmortgageco.com

Jane McGeary Residen al Mortgage Services 87 Elm Street Hopkinton, MA 01748 Jane.McGeary@rmsmortgage.com

Lisa Mirolamo Ross Mortgage Co., Inc. 134 Flanders Road Westboro MA 01581 lisa.mirolamo@rossmortgageco.com

George Simone Residen al Mortgage Services 87 Elm Street Hopkinton, MA 01748 george.simone@rmsmortgage.com

Paul Walsh Ross Mortgage Co., Inc. 134 Flanders Road Westboro, MA 01581 pwalsh.rossmortgage@gmail.com

Chris ne Johnson Residen al Mortgage Services 87 Elm Street Hopkinton, MA 01748 cjohnson@rmsmortgage.com

Alison Adams Security First Mortgage Funding One Ararat Street Worcester, MA 01606 aadams@securityfirstmf.com

Chad Rankin Residen al Mortgage Services 324 Grove Street Worcester MA 01605 chad.rankin@rmsmortgage.com

Susan Lindberg Security First Mortgage Funding One Ararat Street Worcester, MA 01606 slindberg@securityfirstmf.com

Beth Vega Wi man Residen al Mortgage Services 87 Elm Street Hopkinton, MA 01748 elizabeth.wi man@rmsmortgage.com

Kelly Lizo e Security First Mortgage Funding One Ararat Street Worcester, MA 01606 klizo e@securityfirstmf.com

Richard Williams Rollstone Bank & Trust 11 East Central Street Worcester, MA 01605 richard.williams@rollstonebank.com

Richard McNally Security First Mortgage Funding One Ararat Street Worcester, MA 01606 rmcnally@securityfirstmf.com


Our Affiliated Business Partners Michael Morcone Security First Mortgage Funding One Ararat Street Worcester, MA 01606 mmorcone@securityfirstmf.com

Mike Checkosky Southbridge Savings Bank 253 Main Street Southbridge, MA 01550 mcheckosky@southbridgesavingsbank.com

Anne Marie Raerty Security First Mortgage Funding One Ararat Street Worcester, MA 01606 amraerty@securityfirstmf.com

Emily DeGray Southbridge Savings Bank 2 Center Depot Road Charlton, MA 01507 edegray@southbridgesavingsbank.com

Bruce Varner Security First Mortgage Funding One Ararat Street Worcester, MA 01606 brucevarner@gmail.com

Paul Nocivelli Southbridge Savings Bank 70 West Boylston Street Worcester, MA 01606 pnocivelli@southbridgesavingsbank.com

David Bremer Shamrock Financial Corpora on 32 Coolidge Street Auburn, MA 01501 david.bremer@shamrockfinancial.com

Chris ne Duque e TD Bank 370 Main Street Worcester MA 01608 Chris ne.Duque e@td.com

Deborah Jordan Shamrock Financial Corpora on 32 Coolidge Street Auburn, MA 01501 deb.jordan@shamrockfinancial.com

Richard Renaud United Bank 1 West Boylston Street Worcester, MA 01605 rrenaud@bankatunited.com

Brian Whi en Shamrock Financial Corpora on 32 Coolidge Street Auburn, MA 01501 brian.whi en@shamrockfinancial.com

Maureen Morrison Webster Five Cents Savings 136 Thompson Road Webster, MA 01570 mmorrison@web5.com

Sco Auen Southbridge Savings Bank 253 Main Street Southbridge, MA 01550 sauen@southbridgesavingsbank.com

Susan Simeone Webster Five Cents Savings 136 Thompson Road Webster, MA 01570 ssimeone@web5.com


Our Affiliated Business Partners Financial Services

Professional Services

Thomas Valen ne, Jr. Compass Consul ng Group 645 Chandler Street Worcester, MA 01602 tom@compassconsul nggrp.com

Nancy Cahalen BBB of Central New England 340 Main Street Worcester, MA 01608 ncahalen@cne.bbb.org

Home Services Dan Candell Dan Candell Hypnosis, LLC 300 West Main Street, Building A Northborough, MA 01532 dancandell@gmail.com Edward Nowak Jackie & Edward’s Envirn. Services 43A Sturbridge Road Charlton, MA 01507 ed.nowak@jeesinc.com Larry Stone Northboro Sep c Service, Inc. 124 Main Street Northboro, MA 01532 larry_cur ssep cservice1@verizon.net

Insurance Services C. J. Bowker Aclaro Risk Management 15 Main Street Hopkinton, MA 01748 cjbowker@aclarorm.com John Torvi Herbert H.Landy Insurance 75 Second Avenue Suite 410 Needham, MA 02494 johnt@landy.com Kristen Auclair Liberty Mutual 771 Southbridge Street Aubun, MA 01501 kristen.auclair@libertymutual.com

Pearsall, Joan Best View Imaging 324 Grove Street 2nd Floor, Worcester, MA 01605 jpearsall@bestviewimaging.com Thomas Valen ne, Jr. Compass Consul ng Group 645 Chandler Street Worcester, MA 01602 tom@compassconsul nggrp.com Patricia Fulmer Cornerstone Title Services 179 Shrewsbury Street Worcester, MA 01604 pat@cornerstone- tle.net Raquel Thomas Cornerstone Title Services 179 Shrewsbury Street Worcester, MA 01604 Raquel@cornerstone- tle.net Rocco Leone Mass Housing 1 Beacon Street Boston, MA 02108 rleone@masshousing.com Jeannine Ellis MLS PIN 904 Har ord Turnpike Shrewsbury, MA 01545 jellis@mlspin.com


Awesome Apps for REALTORS® MagicPlan By Sensopia MagicPlan MEASURES your rooms and DRAWS your floor plan just by taking pictures. You can then get your floor plan in PDF, JPG and DXF format or publish an INTERACTIVE FLOOR PLAN on the web. With MagicPlan, EVERYONE CAN CREATE A FLOOR PLAN IN FEW MINUTES ONLY.

JotNot Scanner By MobiTech 3000 LLC JotNot is an easy to use app that allows you to turn your iPhone into a portable scanner and share your documents via email, Evernote, DropBox, Google Drive, and more. JotNot gives you the ability to control file size and resolu on of your scans. Need smaller files? Just adjust the file size slider and the resolu on slider under se ngs.

Digital Receipts By Proximiant Digital Receipts allow you to snap quick photos of your receipts and email yourself expense reports. Grab documents from your hard drive, popular sites like Box, DropBox, Google Docs and Salesforce, or choose a DocuSign template. Type the names and email addresses for your signers and specify the order in which they should sign. To guide recipients, just drag and drop “Sign Here” tabs directly onto the document in places where you need them to sign or ini al. You can also add data fields for them to fill in such as address or date. Click “Send” and the recipients will be alerted by email. You’re done!

Cartavi by Docusign Cartavi is web-based so ware that lets you securely share documents with everyone involved in the process of buying or selling residen al real estate. It gives you one place to store, access, and share all your transac on documents from your desk or on the go. Cartavi is a hosted applica on (nothing to install or update), which you can access from anywhere you have an internet connec on and a supported browser (Firefox, Safari, Chrome, and Internet Explorer 8 or later). If you have a mobile device, download Cartavi’s free mobile apps for Apple and Android devices.


Awesome Apps for REALTORS® Drop Box Put your stuff in Dropbox and get to it from your computers, phones, or tablets. Edit docs, automa cally add photos, and show off videos from anywhere. Even if your phone goes for a swim, your stuff is always safe in Dropbox and can be restored in a snap.

Homesnap Get the Homesnap app -- Free for iPhone, iPad, and Android. Snap any home to find out all about it. Explore 90+ million homes across the USA.

MileIQ MileIQ remembers your drives, so you don’t have to. Drive: No need to open the app, press a bu on, or remember to start and stop...just get in your car and go! Classify: Business or personal? Classify each drive with a single swipe or use bulk edit to update many at once. Report: Generate mileage expense reports with the details you need to get reimbursed, file your taxes, or respond to an audit.

PDF Expert (ipad only) PDF Expert lets you read and annotate PDF documents, highlight text, make notes and save these changes being compa ble with Preview and Adobe Acrobat. Moreover, PDF Expert is the only iPhone applica on that can fill PDF forms! Great for explaining contracts to clients, taking notes for a conference call, and more. A favorite feature – PDF Expert lets you change the page order, for when those mes that clients fax or scan pages out of order, and add/delete/ export pages.

Open Home Pro (ipad only) “The #1 most downloaded app for real estate agents!” Open Home Pro is now FREE, with new upgrades, such as unlimited, customized ques ons. Manage all walk-ins at weekly open houses or broker opens, automa cally follow up with leads using new contact methods “that get opened and read more than two mes the industry average” (according to the app’s creators), and create beau ful listing pages for all of your proper es that buyers can leave feedback on or get in touch with you with one click. It will change the way you think about open houses!


Wear Your REALTOR速 Pin with Pride


Thank you to our 2014 VIP Sponsors Our 2014 VIP Sponsors believe in our Associa on and what the REALTOR® name brings to each and every purchase and sale. Please show your return support by using their services and recommending them whenever possible. Like all of our Business Partners, they provide quality service and live up to the ethical and compliance standards of their profession. In addi on, they will promptly follow up and communicate with any leads or referrals they receive from WRAR members.

Platinum Sponsors Emery Federal Credit Union 74 Elm Street Worcester MA 01609 (781) 503-1478

Fairway Mortgage New England 5 Albert Street Auburn MA 01501 (508) 407-8300

Southbridge Savings Bank 70 West Boylston Street Worcester MA 01606 (508) 853-3834 Also Charlton & Southbridge

Bank of Canton 850 Southbridge St Auburn MA 01501 (508) 832-0078

The Law Office Jess Albino 102 Puritan Avenue Worcester MA 01604 (774) 641-4201

Security First Mortgage One Ararat Street Worcester MA 01606 (508) 853-3000

Cahn & Barron, LLC 53 East Central Street Worcester MA 01605 (508) 755-5779

MLS PIN 904 Har ord Turnpike Shrewsbury MA 01545 (508) 845-1011

Compass Consul ng Group 645 Chandler Street Worcester, MA 01602 Phone: 508-796-5950

Prospect Mortgage 1393D Gra on Street Worcester MA 01604 (508) 459-3610

Gold Sponsors

Silver Sponsors The Law Office Harry Kotseas, PC 94 Highland Street Worcester MA 01609 (508) 753-5933

Shamrock Financial Corpora on 32 Coolidge Street Auburn MA 01501 (800) 321-8129

Bronze Sponsors O’Connell & O’Connell, PC 425 Pakachoag Street Auburn MA 01501 (508) 832-5872

The Law Office of David Rocheford 300 West Main Street, Bldg.A, Northboro MA 01532 (508) 709-9699


FEDERAL CREDIT UNION

Closing More Transactions through Products, Education, & Communication Whether you are a prospective homebuyer or an agent looking to make 2014 your best year ever, the Mortgage Buddy is here to help you accomplish your goals. “Your Friend for Home Financing Solutions”

John B. Saari - Emery Federal Credit Union - 508-740-7442 themortgagebuddy@gmail.com - www.themortgagebuddy.com NMLS: 5529 Emery Federal Credit Union NMLS: 401087




OurPromisetotheRealEstateCommunity o o o o o

o

TruthandTransparencyarewhatmattersmosttous Nohiddencostsorunpleasantsurprisesintheloanprocess Youwillworkwiththesameknowledgeable,deeplyexperiencedFairwayTeam membersateachstageofthemortgageprocess Detailedexplanationsofalldocumentsandcostswillbeprovided Allinformationwillbekeptprivateandtreatedwithrespect Weofferthemostcompetitiveprograms,products,technologyandserviceinthe industrytoday

CertifiedPreͲApprovalGuarantee: ClosingLoansOnTime,UnderBudget,WithNoSurprises Fairwayissues&guaranteestheaccuracyof“FairwayCertified”preͲapprovalsaslongas: 1 o Yourpersonalfinancialqualificationsstaythesameorimprove  1 o Theagreeduponloanparametersstaythesameorimprove  1 o Thepropertymeetsallnecessaryloanrequirements  Ifwearewrongwewill: o ReimbursedocumentedshortͲtermmoving,relocatingand/orstorage expensesuptoamaximumof$1500 o Reimburseanydocumentedlosthomeinspectionorappraisalexpensesupto $1000 o Reimburseanyforfeitedearnestmoneyexpensesupto$5,000 1

“Personalfinancialqualifications”includesbutisnotlimitedtoemployment,income,assets,creditscores,anddebt. 

RegisterforupcomingLunch&LearnClassesat WorcesterRegionalAssociationofREALTORS® Earn2CE’sandlearn x HowsubmittinganofferwithastrongpreͲapprovalcanmakeahuge impactonyourbusiness x Howtogetyourbuyersandsellersoffthefence,andwhyNOWisthe time. Upcomingdates:Mar18,Apr29,May13,Jun17,Sept16,Oct28,Nov7,Dec5 

WilliamB.Murphy CertifiedMortgagePlanner License#MC5103NMLS:19301FairwayNMLS:2289

508.407.8300WMURPHY@FAIRWAYMC.COM

2014 WRAR Member Resource Guide  

of the Worcester Regional Association of REALTORS®

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