REALTOREL

PAS

O

THE VOICE FOR REAL ESTATE IN EL PASO APRIL 09

®

www.elpasorealtor.com

Progressionof the Fair Housing

Act

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We’ll Help PutYour ClientsIn The Right Home.Right Away.

When it comes to providing safe and sound mortgageloans for your clients,GECU is still going strong. Just likewe’ve been doing for more than 50 years.

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Subject to credit approval. Anyone living or working in El Paso County or Doña AnaCounty not more than 25 miles from our 1500 North Resler office is eligible forGECU membership.

(left to right from back) Eddie Lopez, Lorenzo Reveles, Sandra Lujan, Jose A. Avila, Jr., Terry Vargas, Pamela Herron,Araceli Aguilera, Monica Gonzalez, (front) Lettie Ramos

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04.09welcome

Suzy Shewmaker Hicks PresidentGreater El Paso Association of REALTORS®

Association OfficersSuzy Shewmaker Hicks, PresidentDoug Hamilton, President Elect

Linda Bastraw, Secretary/TreasurerDan Olivas, Immediate Past President

Sharron Ramirez, Chief Executive Officer

Association DirectorsAngelo Amoriello

Michael BrayRoland CorreaPatsy OlivasJackie York

Association Directors 2009-2010

Al JuradoFrances MoranYolie Stanton

Elizabeth GoldenJim Howard

MLS Directors

Kenny Gross, PresidentPatti Olivas, Vice-President

Rick Snow, Secretary/TreasurerBill Stanton

Robert LozanoDolores Guevara

Thalia BadilloAngelo Amoriello

Jesus Barraza

NAR DirectorDoug HamiltonScott Kesner

TAR DirectorsLinda Bastraw

Kathleen OsowskiSonja Van Nortwick

TAR Nominating Committee

Kathleen Osowski

TAR Regional Vice PresidentMichael Bray

TAR TREPAC Trustee

Karen Porter

Political Involvement CommitteeJennifer Stroh

Committee ChairLinda Bastraw, Budget & Finance

Susan Craig, EducationDJ Mora, Fair Housing/Equal Opportunity

Yoli Chavez, Governmental AffairsMartha Maldonado, TREPAC

Caroline Camfield, REALTOR®/Builder

We’ll Help PutYour ClientsIn The Right Home.Right Away.

When it comes to providing safe and sound mortgageloans for your clients,GECU is still going strong. Just likewe’ve been doing for more than 50 years.

We’ll find the right mortgage loan that your clients canafford,and then walk them through the lending process

with fast,caring service. It not onlymakes your clientshappier, it makes your job easier, too.

To find out more aboutour services, call the

Mortgage Loan Departmentat 774.6081

or log on to SmartBranchatwww.gecu-ep.org.

Subject to credit approval. Anyone living or working in El Paso County or Doña AnaCounty not more than 25 miles from our 1500 North Resler office is eligible forGECU membership.

(left to right from back) Eddie Lopez, Lorenzo Reveles, Sandra Lujan, Jose A. Avila, Jr., Terry Vargas, Pamela Herron,Araceli Aguilera, Monica Gonzalez, (front) Lettie Ramos

GECU offers your clients:� GECU loans:Conventional, FHA andVA

� Simplified mortgage loanpre-qualification

� Competitive, low interest rates� Lower closing costs

As of this writing, our organization has already accomplished many things of which we can be proud of.

First, I would like to express my sincere gratitude for the outstanding job our committee chairs are doing. Susan Craig rallied 28 agents to sign up for GRI, making it one of the largest GRI classes ever held at our board. Thanks to the efforts of Susan and her committee, our members will not have to travel out of town to be qualified for such an important designation. I know the challenges the Education Committee faced in pulling this class together, and the fact that they never gave up and stayed with this project is the reason for its success.

And for those of you who missed Casino Night, it was an absolute blast and netted over $4500 for TREPAC. We enjoyed the casino games, the wonderful ambience of Forti’s Restaurant, the great food, music and even dancing. Martha Maldonado and her TREPAC Committee sure know how to throw a party. I hope to see even more of you participate in upcoming events. Also, we’ve installed an attractive TREPAC donation box in our lobby for those of you who are too busy to attend our fund-raisers. With all of the challenges REALTORS® face on the political front, your donation is of vital importance to our industry.

Speaking of politics, did you know that our Governmental Affairs Committee has scored its fourth victory in a row? Last year we effectively took on the swimming pool and the year before, the sign ordinance. This year we have already been successful

in overcoming an ordinance that would have mandated city inspections of all rental property heaters. In addition, we were very instrumental in convincing County Commissioners Court to approve the Regency project for the old Farah building. Yoli Chavez has put together a team of REALTORS® that regularly attend community meetings around town and keep us all informed of any issues coming our way. I commend Yoli Chavez for her efficient and well-organized Governmental Affairs Committee.

As expected, we had a terrific turnout for Senator Eliot Shapleigh at our Ambassador Series in February. Our members were full of questions, and we received a wealth of information about past, present and future El Paso. In March, Leon Metz told us all about the Wild West days of our historical city.

As you know, leadership isn’t about one person doing all the work or taking all the credit. Leadership is about an effective organization of people who pull together to achieve a common goal. It’s all about YOU and your commitment to our industry. To each and every one of you who volunteer your time and efforts to the Greater El Paso Association of REALTORS®, I thank you from the bottom of my heart.

In honor of Fair Housing month in April, the Ambassador Series will host a panel of experts discussing the increasing need for accessible housing in El Paso. Please join us.

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Real Estate Ethics Guest Column

By Steve Carvalho, CRS2007 GEPAR Grievance Committee Chairman2008 GEPAR New Member Ethics Instructor

I just returned from the RE/MAX International Convention last week where I had the opportunity to talk with many agents from different parts of country. Naturally, I wondered how their markets were doing and if their markets were as bad as the media portrays them to be. It was no surprise to find out everyone (with the possible exception of Texas) was suffering with markets marked by foreclosures and short sales. In many cases, MLS sales were down anywhere from 30% to over 60%.

What made the strongest impression on me was talking to agents from Canada. The Canadian real estate market continues to do extremely well, and I was curious why they seem immune to what American real estate markets are encountering. All three agents I talked to told me the same thing—“Our banks do not make sub-prime mortgage loans.” The Canadian banking system is very strong and fiscally sound. Like all industries, including our own, there are good and bad mortgage lenders.

I require a pre-approval on all my listings, which states what the buyers FICO scores and income are in conformance with the type of financing that is being applied for. And still before closing I receive a letter which denies the loan to the purchaser. In one recent situation, the letter of declination completely contradicted the pre-approval letter they had provided. Has there ever been in recent history one entity (mortgage and banking) responsible for such havoc and ruin in the American economy?

At Education Day last year, I was surprised to hear Ted Jones, economist for Stewart Title, state that 36% of all loans originated in El Paso the previous year were sub-prime loans. I would have

thought the percentage to be much lower. Recent reports show El Paso foreclosures spiking upwards, and I have to wonder how many of those sub-prime loans will become foreclosures in the next one to three years. Are we acting in the best interests of our clients if we do not explore all options for financing and alerting our clients to predatory lending practices? Have we accomplished our duties to our client when their home is foreclosed on at a later date—the consequences of which are more detrimental than not purchasing a home? It is readily apparent the affect foreclosures have on a local real estate market.

As REALTORS®, we have to be accountable to our clients when helping them buy or sell. There are plenty of lenders in our community whose knowledge and truthfulness can be counted upon. We should support those lenders for the betterment of our real estate market.

I welcome your comments and questions to steve@stevecarvalho.com.

Advertise Here

Get Exposed

REALTORS®

delkabachi@gepar.org

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Guest Column

By DJ MoraFair Housing Chair/Equal Opportunity2009 WCR Local Chapter President

President Lyndon Johnson urged congressional approval of the Fair Housing Act just one week after the assassination of Dr. Martin Luther King, Jr. He felt it an appropriate tribute to Dr. King’s legacy, and the Fair Housing Act was signed on April 11, 1968.

Since April is Fair Housing month, it only seems appropriate to review exactly what Fair Housing means to us, as well as the rest of the nation.

THE FAIR HOUSING ACT: The Fair Housing Act prohibits discrimination in housing because of race or color, national origin, religion, sex, familial status and handicap.

WHAT HOUSING IS COVERED: The Fair Housing Act covers most housing. In some circumstances, the Act exempts owner-occupied buildings with no more than four units, single-family housing sold or rented without the use of a broker and housing operated by organizations and private clubs that limit occupancy to members.

WHAT IS PROHIBITED: In the sale and rental of housing, no one may take any of the following actions based on the Fair Housing Act: Refuse to rent or sell housing; refuse to negotiate for housing; make housing available; deny a dwelling; set different terms, conditions or privileges for sale or rental of a dwelling; provide different housing services or facilities; falsely deny that housing is

available for inspection, sale or rental; for profit, persuade owners to sell or rent (blockbusting); or deny anyone access to or membership in a facility or service (such as multiple listing service) related to the sale or rental of housing.

IN ADDITION: It is illegal for anyone to threaten, coerce, intimidate or interfere with anyone exercising a fair housing right or assisting others who exercise that right; advertise or make any statement that indicates a limitation or preference based on race, color, national origin, religion, sex, familiar status or handicap (disability). This prohibition against discriminatory advertising applies to single family and owner-occupied housing that is otherwise exempt from the Fair Housing Act. Pick up the fourth edition of the Fair Housing Handbook. This MUST HAVE is an excellent resource for fair housing guidance and includes the following:

• Suggested fair housing office procedures• Background on fair housing regulations• Samples of the HUD Equal Housing Opportunity poster logo• Equal service report forms• Information on the NAR/HUD partnership• Self-assessment questionnaire

FAIR HOUSING. IT’S NOT AN OPTION. IT’S THE LAW.

Ambassador Series April 17th 2009 at 1:00pm

In keeping with Fair Housing Month there will be a panel of experts discussing accessible housing for people with disabilities and the need to build more wheelchair accessible homes.

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Progressionof the Fair Housing

Act The Fair Housing Act was created to provide equal housing opportunities for all persons living in America. Since its establishment in 1968, it has served as a reminder to all REALTORS® that discrimination and the “American Dream” of home ownership cannot coexist. In celebration of Fair Housing Month, let’s observe some of the developments and achievements that have shaped the Fair Housing Act into what it is today. 1968 Enactment of the Fair Housing Act- April 11, 1968. The Fair Housing Act, contained in Title VIII of the Civil Rights Act of 1968, prohibits discrimination in the sale, financing or rental of housing because of race, color, religion, and national origin.1973 Enactment of Section 504 of the Rehabilitation Act of 1973, which prohibits discrimination on the basis of disability in programs and activities conducted by HUD or those receiving financial assistance from HUD.1974 Sex is added as a protected class under the Fair Housing Act.1976 Congress amended the Equal Credit Opportunity Act to prohibit discrimination on the basis of race, color, religion, national origin, age, or receipt of public assistance.1977 Congress enacted the Community Reinvestment Act (“CRA”). This act encourages banks to meet the credit needs of the local communities in which the banks operate. This includes addressing the needs of low-to moderate-income neighborhoods. The CRA responded to the often underdeveloped and inadequate flow of capital funds

into low-income neighborhoods to aid in the fostering of neighborhood development, economic growth, and wealth building.1978 A federal district court in Ohio held, for the first time, that the 1968 Fair Housing Act prohibited insurance red lining.1983 Housing and Urban-Rural Recovery Act of 1983 created the housing voucher program as an alternative to Section 8 rent certificates. These vouchers may afford families wider housing choices.1987 Section 561 of the Housing and Community Development Act of 1987, 42 U.S.C. 3616, established the Fair Housing Initiatives Program (FHIP) to strengthen the Department’s enforcement of the Fair Housing Act and to further fair housing. FHIP funds fair housing organizations and other non-profit groups to provide vital services to their communities. These services include providing education and outreach activities so that community members are aware of their rights. FHIPs also conduct investigatory and enforcement activities, offering an outlet for community members who may have fair housing related complaints. There are approximately 100 fair housing organizations nationwide. In FY 2007, FHIP is funded at $18,100,000.1988 The Fair Housing Amendments Act (FHAA) added disability and familial status (the presence or anticipated presence of children under 18 in a household) to the Fair Housing Act’s list of protected classes. The FHAA made major changes to the enforcement actions under the

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Act, giving more authority to the Department of Housing and Urban Development to enforce the fair housing law. The FHAA extended the statute of limitations for federal lawsuits from 180 days to two years and removes a $1,000 cap on punitive damages. The FHAA also opened up new avenues for enforcement of the rights of people with disabilities to live in the housing of their choice. For the first time, private-party transactions, where disability discrimination takes place, were subject to scrutiny in federal court.1990 The Americans with Disabilities Act (ADA) was enacted on July 2, 1990. ADA prohibits private employers, state and local governments, employment agencies and labor unions from discriminating against qualified individuals with disabilities in job application procedures, hiring, firing, advancement, compensation, job training, and other terms, conditions and privileges of employment.1993 Empowerment Zone and Enterprise Community Programs were created under the Federal Omnibus Budget Reconciliation Act of 1993 as a strategy to promote revitalization efforts in economically distressed urban and rural areas.1994 Executive Order 12892, as amended, requires federal agencies to affirmatively further fair housing in their programs and activities, and provides that the Secretary of HUD will be responsible for coordinating this effort. The Executive Order also established the President’s Fair Housing Council, to be chaired by the Secretary of HUD.1995 Housing for Older Persons Act of 1995, 42 U.S.C. § 3607(b)(2)(C), amended the Fair Housing Act to permit a development’s occupancy by at least one person 55 years or older in 80 percent or more of the housing units without the provision of significant

facilities and services specifically designed to meet the physical or social needs of older persons. The provision also allows for a good faith defense in civil money damages when an individual reasonably relies on the “housing for older persons” exemption and has no actual knowledge that the facility is ineligible for the exemption and the facility has not stated formally in writing that the facility complies with the requirements for exemption.1999 Executive Order 13166, Improving Access for Limited English Proficiency (LEPs), requires that federal agencies take reasonable steps to provide meaningful access to federally conducted and assisted programs and activities for limited English proficient individuals. This involves determining language needs and providing appropriate language assistance to LEP individuals.2001 Olmstead Executive Order 13217 was signed by President Bush implementing the Olmstead decision, which provides that the federal government should ensure placement of individuals with disabilities,

whenever possible, in community settings rather than institutionalized environments.2005 Olmstead Executive Order 13217 was signed by President Bush implementing the Olmstead decision, which provides that the federal government should ensure placement of individuals with disabilities, whenever possible, in community settings rather than institutionalized environments.2007 HUD published its ‘‘Guidance to Federal Financial Assistance Recipients Regarding Title VI Prohibition Against National Origin Discrimination Affecting Limited English Proficient (LEP) Persons.” In accordance with the requirements of Executive Order 13166, this Guidance was published to clarify recipients’ obligations to LEP persons. 1

1. “39 Steps Toward Fair Housing.” HUD 14 Mar 2009 http://www.HUD.gov

2. National Association of REALTORS®

REALTOR® Fair Housing DeclarationI agree to:• Provide equal professional service without regard to the race, color, religion, sex, handicap, familial status, or national origin of any prospective client, customer, or of the residents of any community.• Keep informed about fair housing law and practices, improving my clients’ and customers’ opportunities and my business.• Develop advertising that indicates that everyone is welcome and no one is excluded, expanding my clients’ and customers’ opportunities to see, buy, or lease property.• Inform my clients and customers about their rights and responsibilities under the fair housing laws by providing brochures and other information.• Document my efforts to provide professional service, which will assist me in becoming a more responsive and successful REALTOR®.• Refuse to tolerate non-compliance.• Learn about those who are different from me and celebrate those differences.• Take a positive approach to fair housing practices and aspire to follow the spirit as well as the letter of the law.• Develop and implement fair housing practices for my firm to carry out the spirit of this declaration. 2

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GEPAR Member HeroesREALTORS® have a unique position of working both

with and for the people of the community. No one understands this better than Peggy Oxford and Deana Hicks of Keller Williams Realty. Not only are both top producing agents, but they spearhead El Paso’s Circle of Care, an organization dedicated to helping those in the El Paso community facing hardships. El Paso’s Circle of

Care selects different local causes and charities throughout the community to help those in need. In the past few years, Circle of Care has been responsible for fund-raisers and programs such as: Adopt-a-Soldier, Displaced Hurricane Katrina & Rita Victim’s Relief, El Paso’s 2006 Flood Relief, Passionately Pink for the Cure, Joker’s Wild, Andrew’s Toy Box, Christmas toy donations, Christmas in April, silent auctions, and most recently a community yard sale. Currently, Peggy and Deana are preparing for Red Day, a city-wide canned food drive.

Strike Force Award Recipients

The Texas Association of REALTORS® (TAR) awarded Georgeanne Chancellor, Dan Olivas and Sonja Van Nortwick the Strike Force Award. TAR created the Strike Force Award to reward those Texas REALTORS® who have gone above the call of duty to support TAR’s grass roots initiatives. Recipients were nominated for their participation in such programs as the Opportunity Race and TAR’s Political Affairs. In addition to being acknowledged during the TAR Winter Meeting in February, each award recipient’s name will also be published in the Texas REALTOR® magazine.

Save The Date• Get ready to tee up at the TREPAC Golf Tournament on May 1, 2009 at the Vista Hills Country Club. Check for times at elpasorealtor.com

• Change your confidence and career at the Certified Negotiations Expert (CNE) class on May 6 & 7 at the Association office. Class will be from 8:30am-4:30pm, and you must be on time to earn MCE credit.

FOR MORE INFORMATION ON THESE EVENTS, PLEASE CONTACT HILDA BECK AT HBECK@GEPAR.ORG OR AT 915.783.6072.

Chancellor

HicksOxford

Olivas Van Nortwick

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Association Events

Casino Night

Ambassador Series Senator Eliot Shapleigh was the guest speaker at the Ambassador Series on February 27, 2009. He discussed the Five M’s of the economy––Medicine, Military, Movement, Manufacturing and Mexico. For future Ambassador Series events, please visit elpasorealtor.com

TREPAC held their Casino Night on February 6, 2009 at Forti’s Mexican Restaurant. For upcoming TREPAC events contact Hilda Beck at 783-6072.

Martha Maldonado and George Cruz Ed Flores Association Guests

Left to Right: George Ramirez, Bryan Grimes, Doug Hamilton, Suzy Shewmaker Hicks and Dora Elkabachi

Gabriela Gonzalez (Far Right) and friends

Sen. Eliot Shapleigh Yoli ChavezLinda Bastraw

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William Tippin &

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William Tippin Jr., CPA9398 Viscount Blg 5A,

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Market Statistics

MLS Statistics

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DOM 102 ‐2 75% 110 ‐6 86% 102 110 ‐6 86%

98,650

HOMES SOLD  REPORT ‐ JANUARY 2009Greater El Paso AOR ‐ Compiled on  March 6, 2009

Residential Jan‐09Change from

 12/08 Jan‐08Change from01/08 ‐01/09

YTD2009

YTD2008

09‐08YTD

New  1,013 62.86% 1,168 ‐13.27% 1,010 1,168 ‐13.27%Sold 305 ‐23.75% 333 ‐8.41% 305 333 ‐8.41%Sold Volume $ $48,538,637 ‐23.59% $52,915,720 ‐8.27% $48,538,637 $52,915,720 ‐8.27%Ave. Sale $ $159,143 0.21% $158,906 0.15% $159,143 $158,906 0.15%

High Sale $ $950,000 ‐19.15% $700,000 35.71% $950,000 $700,000 35.71%

DOM 102 ‐2 75%. 110 ‐6 86%. 102 110 ‐6 86%.

BREAKDOWN OF LISTINGSNew Homes 105 Ave List $ 161,288 Ave/Med Sale$ 158,593/134,950 List/Sell Ratio 98% DOM 143

Resale Homes 190 Ave List $ 170,190 Ave/Med Sale$ 162,631/121,500 List/Sell Ratio 96%DOM  79Attached Property 10 Ave Sale $ DOM 94

Man. & Lot 3

Resale Pending 143

Market Statistics

MLS Statistics

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Upcoming EventsThe Greater El Paso Association of REALTORS®

6400 Gateway East BLVD.El Paso, Texas 79905-2084

PresortedSTANDARD

US POSTAGEPAID

El Paso, TXPERMIT NO. 142

April1 8:00am Orientation

2 8:30am RCA 8:30am WCR Breakfast 10:00am El Paso Home Search 1:30pm Governmental Affairs

Meeting 2:30pm TREPAC meeting

3 8:00am Education Day

6 12:30pm Toastmasters

7 9:00am Exit Realty 12:00pm CIBA meeting 1:30pm Education Committee

8 9:00am Success Realty

9 8:30am RCA meeting 10:00am El Paso Home Search

10 10:00am IREP

13 12:30pm Toastmasters

15 1:30pm Budget&Finance 2:00pm Executive Committee

16 8:00am CCIM 8:30am RCA Meeting 10:00am El Paso Home Search

17 1:00pm Ambassador Series 8:00am CCIM

20 12:30pm Toastmasters

21 8:00am MCE 9:00am ExitRealty

22 8:00am MCE 8:30am MLS Board of Directors

23 10:00am RCA Meeting El Paso Home Search

24 8:30am Board of Directors

27 9:00am ERA Sellers Buyers&Assoc. 12:30pm Toastmasters

30 8:30am RCA meeting 10:00am El Paso Home Search

May1 11:00am TREPAC Golf

Tournament

4 9:00am WCR Governing Board

5 9:00am Exit Realty 12:00pm CIBA 1:30pm Education Committee

6 8:00am Orientation 8:30am CNE

7 8:30am RCA

8:30am CNE

1:30pm Government Affairs 2:30pm TREPAC Meeting

8 10:00am IREP 11:30am WCR Luncheon

2:00pm Ambassador Series

11 8:00am (May 11-16) NAR Midyear Hill Visits

12:30pm Toastmasters

13 9:00am Success Realty

14 8:30am RCA

10:00am El Paso Home Search

18 12:30pm Toastmasters

19 8:00am MCE

9:00am Exit Realty

20 8:00am MCE 1:30pm Budget&Finance 2:00pm Executive Committee

21 8:30am RCA 10:00am EP Home Search

25 OFFICE CLOSED

27 8:30am MLS Board of Directors

28 8:30am RCA Meeting 10:00am EP Home Search

29 8:30am Board of Directors/ TAR Regional Meeting

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