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August 2014

Could the government regulate a puddle in your backyard?By Kim McClellan, Government Affairs Director

The short answer to that question is no, but the truth is that the U.S. Environmental Protection Agency (EPA) and the Army Corps of Engineers have proposed expanding the definition of waters covered by the Clean Water Act. Any expansion could translate into big costs for property owners looking to develop their land with minimal benefit for the environment. The Clean Water Act (CWA) establishes the basic structure for regulating discharges of pollutants into the waters of the United States and regulating quality standards for surface waters. The basis of the CWA was enacted in 1948 and was called the Federal Water Pollution Control Act, but the Act was significantly reorganized and

expanded in 1972. "Clean Water Act" became the Act's common name with amendments in 1972. The CWA serves an important function by ensuring that our navigable waterways are free from harmful pollutants and that

ecosystems so important to our quality of life can flourish. In March of 2014, the EPA and Army Corps of Engineers proposed expanding the definition of the Clean Water Act

to include non-navigable waterways which would mean that many more properties would need to go through the federal Clean Water Act process before being developed for future housing stock. Depending on the definition of regulated waters, the Clean Water Act would require expensive, time consuming federal permits to develop private property with any wet area—not just properties with a navigable interstate water or adjacent wetland. In addition, property owners may experience a taking under the regulation without adequate compensation.

Continued on pg 4

Election September 17, 20142015 LEADERSHIPFAAR offers electronic voting and the ballot will be posted at faarmembers.com by early September. Those who want to vote with a paper ballot can do so by going to the Election table in the Lobby of the Expo at the September 17 Trade Show from 9 am to 1 pm. Members will also be able to vote on line at the Election table. Election results will be announced after 3 pm at the EXPO.

Sample Ballot pg. 28 & 29 Candidate Profiles pg. 30-32

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1 Could the government regulate a puddle in your backyard?

3 President’s Forum

4 Could the government regulate a puddle in your backyard? Continued from pg. 1

6 MRISaddsfieldstodescribe“wateroriented”property

9 Public Policy at a glance

10 FAAR releases 2015 Legislative Package

14 RPR Commercial- What’s the best retail business for a location?

18 2014RECADesignationsandCertificationsthisfallatFAAR!

22 MBN(ManagingBrokerNetwork)heatsupinAugust!

22Whybeapartofamanagingbrokernetwork?

25 Making the Foundation more recognizable, relevant

31 Candidates for election for the year 2015

36MeetingnewcorestandardsrequiredtomaintainaREALTOR®associationcharter

372014FAAREXPOschedule

38WelcomeNewMembers

42 RPAC Investors

47MouseversusKeyboard–whichonewins?

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PRESIDENT’SFORUM1 Could the government regulate a puddle in your backyard?

3 President’s Forum

4 Could the government regulate a puddle in your backyard? Continued from pg. 1

6 MRISaddsfieldstodescribe“wateroriented”property

9 Public Policy at a glance

10 FAAR releases 2015 Legislative Package

14 RPR Commercial- What’s the best retail business for a location?

18 2014RECADesignationsandCertificationsthisfallatFAAR!

22 MBN(ManagingBrokerNetwork)heatsupinAugust!

22Whybeapartofamanagingbrokernetwork?

25 Making the Foundation more recognizable, relevant

31 Candidates for election for the year 2015

36MeetingnewcorestandardsrequiredtomaintainaREALTOR®associationcharter

372014FAAREXPOschedule

38WelcomeNewMembers

42 RPAC Investors

47MouseversusKeyboard–whichonewins?

Debbie Irwin, ABR, GRI2014 President

I hope you all are enjoying your summer! Remember our never-ending winter? It’s hard to believe I’m on the downswing of my year as President of FAAR! I have enjoyed my years on the Board of Directors, and look forward to serving next year as the Immediate Past President. Starting next month, you can vote for your new Board of Directors. There will be two open slots on the BOD and five candidates vying for the position. So do your homework, ask them questions, and be sure to vote! The BOD works year round, and the 2015 BOD begins their BOD training this winter.

The election results will be announced at the FAAR Expo on September 17th. Be sure to mark

your calendar today! There will be several classes (some for PL and CE) and a nationally known keynote speaker, Mark Given. This is sure to be one of our best Expos yet.

In addition to the FAAR Expo and the BOD elections, FAAR’s Strategic Plan is being revised this fall. I am excited to see how the changes in our industry and our methods of communication will change how FAAR is structured and functions in the future! We have so much experience and talent; I enjoy seeing the various committees feed off of each other. I throw terms around like committees and groups, but really I am talking about members. I love to see MEMBERS learn, network,

and grow their business. And isn’t that what it’s about?!One group I’d like to highlight is the Managing Broker Network, or MBN. Ask your broker if they attend MBN. If they don’t, please ask them to do so. MBN had a facelift this year. We discuss timely topics and share info we pick up from our involvement at VAR or NAR. The brokers not only learn from the topic discussion of the meeting, but are also given tools to bring back to their offices to help your business. Some examples of past topics include Property Management, MRIS, Policy manuals, and most recently how short sales can end up on Auction.com.

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The National Association of REALTORS® has been tracking this issue and working with a coalition to voice concerns about costs to small businesses and the impact on the real estate industry. NAR supports using appropriate scientific criteria to identify regulated areas, keeping the

focus on high value wetlands; requiring that local officials and affected property owners be notified about the presence of wetlands; and using wetlands mitigation banking. NAR continues to work with other concerned stakeholders to impact the outcome of the final rule and believes that only an act of Congress should alter the definitions of the Clean Water Act.

Could the government regulate a puddle in your backyard?Continued from pg. 1

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MRIS adds fields to describe “water oriented” propertyBy, Linda Fosdick, ABR, CRS, GRILake Anna agent

MRIS listened and took action! Lake Anna agents have long been frustrated by the lack of MRIS fields that they needed to give their clients more information about properties in their Lake Anna market. Clients were not getting the full picture of the differentiating qualities of our “Water Oriented” properties from the listing data. Primarily, is this property on the “Public Side” or “Private Side”? Does it have a boat house or a boat slip? Is there a launch ramp in this community? With a few extra pieces of information our agents could perform more in-depth searches for their clients and better select properties that matched their criteria. Additionally, clients expectations could be better managed so that they would not erroneously make assumptions about a property, only to feel “misled” by the listing agent.

All you have to do is ask! Having had the opportunity to develop

a good relationship with some of the MRIS staff, I doggedly requested additional fields related to “water oriented”. Other areas were voicing similar requests and MRIS listened carefully and came through with strategic changes. My broker, Dave Moberly, and I worked closely with MRIS to define the exact fields and definitions that we needed for our market. The biggest changes rolled out May 1st, followed by additional changes July 1st.

• The May roll out brought us 14 new fields, which included:

• View/Accessibility• Body of Water Type• Distance to Body of Water• Water Use Types (which

includes Public Access and Private Access)

• Waterfront Features & Improvements

• # of Slips• Dock Features &

Improvements

• Dock Slip Conveyance• Mean Low Water FeetIn addition to the fields, MRIS has now included definitions for all of these terms, which will help agents understand which terms best reflect the features of the homes. It will also allow MRIS to notify agents of any violations, and prevent unintentional misrepresentation. It is thrilling to now have these expanded tools to better represent our properties and aid us in finding just what our clients are looking for.

We fully expected that we would have some adjustments to make in learning to use these new fields, and feedback is welcome. Agents need to explore these fields and how to incorporate them into their listings and search screens. My goal now is to better educate our agents so that we are universally applying these tools so that our listings are consistently displaying this expanded data.

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The Property Management Conference features TWO great classes for a combined 5 CE credit hours! Also approved for PLE and Broker Management! The day will encompass the basics of residential property management under the Virginia Landlord Tenant Act and Fair Housing. Agents will be given the tools to cover best practices and office policies and procedures. An afternoon session will include tips on maintenance and inspections. Breakfast and lunch included in the price!!! Instructor: Bob Harnett, Art Berkley and John Walsh (as seen at the 2013 Property Management Conference) Schedule: 9:00am: Breakfast 9:30am: Legal Aspects of Property Management 2 hrs CE Real Estate Related, 2 hrs CE Broker Management, 2 hrs PL Current Industry Issues and Trends 11:30am: Lunch 12:30pm: Inspections and Maintenance for Residential and Commercial Properties 3 hrs CE Real Estate Related, 3 hrs CE Broker Management Date: August 20, 2014 Time: 9:00am-3:00pm Location: FAAR Office, 2nd Floor Classroom 2050 Gordon W. Shelton Blvd. Fredericksburg, VA 22401

Registration is Required. REGISTER ONLINE — faarmembers.com - click “Online Registration” under Education and login to our registration system. OR BY FAX — complete the registration information below and fax to (540) 736-0301. You may register for the entire conference, or pick ala carte classes. Early bird pricing only applies to the entire conference. Full Conference Fees: Early Member = $59 before 8/7 Regular Member = $69 starts 8/8

Early Non-member = $69 before 8/7 Regular Non- Member = $79 starts 8/8 Ala Carte Fees: Breakfast and Legal Aspects of Property Management Member = $35 Non-Member = $45

Lunch and Inspections and Maintenance Member = $45 Non-Member = $55 Name: ________________________________________________________ Company: ________________________________________________

Phone: _____________________________________ Email Address: ____________________________________ Zip Code:_____________________

Payment: Visa Master Card Am. Express CC# ______________________________________________ Total: __________________

Exp. Date: _______________ 3-Digit CVC# ____________ Authorized Signature: ________________________________________________

NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711. Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event RECA cancels the

class or if the registrant withdraws from the class by contacting FAAR during business hours, at least one (1) business day prior to the class date.

This event counts for 5 pts. under Education Activities toward the Professional Honor Role recognition.

Property Management Conference

Early Bird Price Ends 8/7

Less colorful flyers are produced in an effort to be mindful of the environment and to reduce toner expenses. Please print in black and white when possible.

*Students missing more than 10 minutes of class, cannot be given CE/PL credit.

Special thanks to our event sponsor!

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Visit us on the first floor of the FAAR Building!

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Public policy at a glance

First-Time Homebuyer Savings Account Becomes Law

A new law recently took effect that makes it easier for Virginians to save for their first homes. The Virginia Association of REALTORS®’ 2014 signature legislation, First-time Homebuyer Savings Plans, HB331, helps Virginians prepare for homeownership, reminds them how important it is, and is designed to improve the long-term health of the housing market.

Virginians will now be able to invest up to $50,000 in financial

institutions like credit unions and banks or directly in mutual funds, brokerage accounts, or almost any other financial vehicle and declare them first-time homebuyer savings plans. The gains or earnings on the investment are free of state taxes, and the funds can be used for down payments and closing costs on first home purchases in the commonwealth.

Whether it’s a grandparent opening an account for a newborn, a forward-thinking high school student, or a recent college grad looking to the future, first-time homebuyer savings

plans will reinforce the idea that setting a little something aside today will make it easier to buy a home tomorrow.

The process for claiming one of these accounts is very simple, there is no need to open a special account or deal with mountains of paperwork. When an individual wants to designate a qualified account as a First Time Homebuyer Savings Account, they simply fill out a special form when they file their taxes and the growth on that account is exempt from state taxes. For more information on these accounts and how to claim the benefit, please visit http://varealtor.com/FHSP.

FAAR Sends Letter to VAR Expressing Concerns about Short Sales and Online Auctions

A growing practice of putting homes engaged in the short sale process up for online auction as a means of verifying a contract price has many agents throughout the Fredericksburg area concerned. FAAR 2014 President Debbie Irwin penned a letter to VAR expressing those concerns and requesting that VAR provide agents with some best practices on how to best represent clients during one of these transactions.

for making “pre-approved” mean something.PNC Mortgage

An in-depth pre-approval process. A more predictable outcome.The PNC pre-approval is underwritten by a PNC mortgage professional. We walk your client through the entire application process. We perform a full credit review and, if approved, the result is a true commitment to lend. From the start. See what makes us different at pncmortgage.com/agentalliance

◊Subject to property underwriting and appraisal. Borrower must satisfy pre-approval conditions outlined in commitment letter. Loan amount subject to property appraisal.

PNC is a registered service mark of The PNC Financial Services Group, Inc. (“PNC”). PNC Mortgage is a division of PNC Bank, National Association, a subsidiary of PNC. All loans are provided by PNC Bank, National Association.

This information is provided for business and professional uses only and is not to be provided to a consumer or the public. This information is provided to assist real estate professionals and is not an advertisement to extend consumer credit as defined by Section 226.2 of Regulation Z. Programs, interest rates, and fees are subject to change without notice.

© 2014 The PNC Financial Services Group, Inc. All rights reserved. Member FDIC

MORT PDF 0912-073-115208

Amy WhiteMortgage Loan OfficerNMLS# 826656540-834-8340awhite@pncmortgage.comwww.pncmortgage.com/amyvwhite

SM

By Kim McClellan, Government Affairs Director

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for making “pre-approved” mean something.PNC Mortgage

An in-depth pre-approval process. A more predictable outcome.The PNC pre-approval is underwritten by a PNC mortgage professional. We walk your client through the entire application process. We perform a full credit review and, if approved, the result is a true commitment to lend. From the start. See what makes us different at pncmortgage.com/agentalliance

◊Subject to property underwriting and appraisal. Borrower must satisfy pre-approval conditions outlined in commitment letter. Loan amount subject to property appraisal.

PNC is a registered service mark of The PNC Financial Services Group, Inc. (“PNC”). PNC Mortgage is a division of PNC Bank, National Association, a subsidiary of PNC. All loans are provided by PNC Bank, National Association.

This information is provided for business and professional uses only and is not to be provided to a consumer or the public. This information is provided to assist real estate professionals and is not an advertisement to extend consumer credit as defined by Section 226.2 of Regulation Z. Programs, interest rates, and fees are subject to change without notice.

© 2014 The PNC Financial Services Group, Inc. All rights reserved. Member FDIC

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Amy WhiteMortgage Loan OfficerNMLS# 826656540-834-8340awhite@pncmortgage.comwww.pncmortgage.com/amyvwhite

SM

FAAR releases 2015 Legislative Package

Every July, FAAR submits its legislative priorities for the coming year to the Virginia Association of REALTORS® (VAR) for possible inclusion in the statewide legislative agenda. The issues included in FAAR's package come directly from the membership and deal with issues that FAAR agents encounter in their real estate business .

The FAAR Government Affairs Committee reviews all issues submitted and decides which issues are appropriate for inclusion in the legislative package. Once the package has been assembled by the Government Affairs Committee, it is then sent to the FAAR Board of Directors for their input and approval. With the Board's

blessing, the package is sent up to VAR for consideration by the state's Public Policy Committee, which sets the statewide legislative agenda. Once the Public Policy Committee reviews and considers all of the issues, a statewide agenda is assembled and VAR's lobbying team starts working with member of the General Assembly in preparation for the 2015 General Assembly session.

This long process all starts with agents in the trenches of real estate encountering a problem and bringing it forward . The Government Affairs Committee is always available to hear about issues of concern to FAAR members, no matter what time of year. Email Kim McClellan (kmcclellan@faarmembers.com)

with any issues that require the attention of the Committee.

Here is a detailed explanation of FAAR's main legislative issues for 2015. To view the entire legislative package including standing positions, visit the FAAR website at www.faarmembers.com and click on the "Legislative Package" drop down on the Advocacy tab.

2015 FAAR Legislative Issues

LANDLORD-TENANT ACT UPDATE

FAAR requests that Virginia Code Section 55-246.1 be amended to specifically include the term "family trust" as a entity that can be represented in court by a non-lawyer to pursue judgment and possession of a property.

By Kim McClellan, Government Affairs Director

RPAC Event June 5, 2014

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A FAAR member who has a property management company had a property management agreement with a family trust to manage several single family homes within that trust. The tenants in one of the homes failed to pay rent and did not provide adequate care of the home during the cold winter months leading to burst pipes and water damage. When the property manager went to court to gain possession of the property and get a judgment for rent and damages, the case was thrown out because the judge said a property manager could not legally represent the family trust. MEDICAID GUIDANCE ON SALE OF A HOME

FAAR requests that VAR consider legislation that will change the state Medicaid requirement that a home for sale be listed at the

tax assessed value. According to state Medicaid guidance, the current market value of a home is 100% of the tax assessed value. This presents an issue for homeowners and their families when the tax assessed value is significantly higher than the fair market value.The process for securing a price reduction is time consuming and frustrating for homeowners and their families often going through one of the toughest time of their lives. FAAR members have repeatedly come across this issue when trying to assist a homeowner or their family with disposing of the primary residence when the homeowner needs to enter Long Term Care.

MORTGAGE DEBT CANCELLATION RELIEF

FAAR continues to support extending the tax provisions that allow homeowners involved

in a short sale, foreclosure, or loan modification to be relieved of their income tax obligations on any forgiven debt from that transaction. In the Fredericksburg market, distressed sales continue to make up over 20% of the market. FAAR applauds the U.S. Congress for extending mortgage debt cancellation until the end of 2013, but believes that it remains a vital tool to keep the recovery on track and advocates for another year-long extension.

MBN Meetings2nd Thursday of the month.11:30-a.m.

Have a legislative concern?

Email kmcclellan@

faarmembers.com

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Movement Mortgage, LLC is an Equal Housing Lender. NMLS # 39179 (www.nmlsconsumeraccess.org) | 877-314-1499. Movement Mortgage, LLC is licensed by the "Virginia Bureau of Financial Institutions" #: MC-5112. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. “Movement Mortgage” is a registered trademark of the Movement Mortgage, LLC, a Delaware limited liability company.

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COMMERCIAL CORNERRPR Commercial- What’s the best retail business for a location? Whether consulting on investment opportunities, working with an economic development authority on a redevelopment project, or helping fill a vacant space for a building owner, RPR Commercial assists you in determining what businesses would be appropriate for a given location by looking at consumer spending data and seeing what business types are being underserved in the area.

With RPR Commercial, a benefit available only to REALTORS® as part of their core dues, REALTORS® can run a commercial analysis called “What’s the Best Retail Business for a Location?” By entering a geographic area, a “Business Opportunities Chart” generates in seconds. This chart indicates which business types are over/underrepresented in an area of interest, differentiating new business opportunities from saturated business categories in a market.

Using consumer spending data as a foundation, this marketplace data compares

retail sales to demand. The retail demand information is derived from household level consumer spending data, while the retail sales information is from business point of sale transactions. The analysis calculates the number of residents who are leaving their home neighborhood to find a retail business type elsewhere. RPR Commercial ranks the results so it’s easy to see what businesses would likely be most successful in vacant locations or for the development of new locations.

In addition, RPR Commercial Trade Area Reports include demographics and psychographics. REALTORS® have access to stats on the population, age, income, education, economy and home values to see many area facts in one convenient place. The dominant demographic segment (a composite description of the type of resident most common in the trade area), or tapestry segment, provides details about the residents’ lifestyles: what they spend

money on, what type of residence they live in, what type of job they hold and what they like to do for fun.

The RPR Commercial Trade Area Report along with the Business Opportunities Chart gives REALTORS® a tool to educate clients in the specifics about consumers and the potential business types for an area.

To learn more about RPR Commercial and to register for a LIVE webinar visit:blog.narrpr.com/commercial

Special class for agents starting in

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Movement Mortgage is Different

HOW WE DO BUSINESS

Movement Mortgage

Day 1: Application taken and upfront items received electronically (W-2, Pay Stubs, etc.). File electronically submitted to underwriter with credit times.

Day 2: Loan approved by underwriter with exact conditions.

Day 2-10: Conditions collected by loan officer and processor.

Day 11: File cleared to close. Package out three days prior to closing.

Our Competitors

Day 1-2: Loan officer takes application, runs automated underwrite, and sends approval to the REALTOR®. Loan officer sends loan package with a request for more information.

Day 9: Loan officer receives loan package and sends to processing.

Day 14: Processor calls borrower for additional items needed.

Day 18: Client turns in more documentation. File is sent to underwriter.

Day 21-22: Underwriter approves file subject to additional conditions. Loan officer, processor, and agent look for missing conditions.

Day 26-27: Underwriter clears final conditions and closer begins working on the file.

Day 29: Loan package sent to attorney.

Day 30-45: Client is still waiting. Loan is projected to close.

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2014 RECA Designations and Certifications This Fall at FAAR!

Education Update

September11and12from8:00–5:00-theABRcoreclasswithDonnaAustin!

The Accredited Buyer’s Representative (ABR®) designation is designed for real estate buyer agents who focus on working directly with buyer-clients. ABR graduates gain:• Valuable real estate education that elevates your skills and knowledge in the eyes of home buyers.• Ongoing specialized information, programs and updates that help agents stay on top of the issues and trends in successfully representing home buyers.•Access to REBAC members-only marketing tools and resources, which provide an additional competitive edge.• Approved for 8 hours CE, RE Related

Property ManagementConference

Wednesday, August 20, 2014, 9am-3pm

The Property Management Conference features TWO great classes for a combined 5 CE credit hours! Also approved for PLE and Broker Management! RECA is proud to have instructors Bob Harnett, Art Berkley, and John Walsh, as seen at the 2013 VAR Property Management Conference.

The day will encompass the basics of residential property management under the Virginia Landlord Tenant Act and Fair Housing. Agents will be given the tools to cover best practices and office policies and procedures. An afternoon session will include tips on maintenance and inspections. Breakfast and lunch included in the price! Limited seats available, register today to guarantee your slot!

Schedule:9:00am: Breakfast9:30am: Legal Aspects of Property Management 2 hrs CE Real Estate Related, 2 hrs CE Broker Management, 2hrs PL Current Industry Issues and Trends 11:30am: Lunch12:30pm: Inspections and Maintenance for Residential and Commercial 3 hrs CE Real Estate Related, 3 hrs CE Broker Management

Registertodayatwww.faarmembers.com!

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September 23, 2014 from 8:00 -5:00 Military Relocation Certification (MRP) withinstructor Arleen Roberts.

The goal of Military Relocation Professional Certification Core Course is to educate real estate professionals about working with current and former military service members to find the housing solutions that best suit their needs—as sellers or buyers--and take full advantage of military benefits and support. Students will learn how to provide the real estate services—at any stage in the service member’s military career—that meet the needs of this niche market and win future referrals! Approved for 8 hours CE, RE Related

October15,from8:00–5:00GRI#401,“UnderstandingAgency”intheclassroomwithDonna Austin.

Real estate is about relationships and you need to understand what Virginia law says about your business connections. This in-depth review covers the details of brokerage relationships with everyone -- buyers, sellers, landlords and tenants. In addition, you’ll find all you need to know about property/agency disclosure and confidentiality. (Approved for 3 Hours Real Estate Agency and 4 Hours Real Estate Related CE OR 3 Hours Virginia Real Estate Agency PL)

October29,8:00-5:00“AtHomewithDiversity”withMatthewRathbun.

At Home With Diversity® is an educational experience designed to present a picture of the changing face of the real estate industry. More importantly, the class teaches REALTORS® how to work effectively with — and within — a rapidly changing multicultural market.Since its inception in 1998, At Home with Diversity® has addressed the topics of diversity, fair housing and business planning development in a full-day core course for the At Home With Diversity® certification

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Community Outreach

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MBN (Managing Broker Network) heats up in August!By, Suzanne Brady, ABR, CRBBLeadership Development Committee

Getting questions from your agents about short sale and bank auctions? John Nicholls, President of Nicholls Auction Marketing Group and Past President and Chairman of the Board of the Virginia Auctioneers Association, will join us for our August meeting to give us some insight on the growing use of auction services.Bring your lunch and your questions. We are hoping the following questions will be

among those answerd: How does your agent show a property? How do they register their client to bid? Does the agent or the client bid? How does the agent get paid? Are terms negotiable? How does an agent list property for an auction company?This session is for managing brokers only. Bring your lunch and join us on August 14 at 11:30 a.m. in the FAAR/RECA Classroom.

Why be a part of a managing broker network?The article Face Time, Why Broker Networking Matters More Than Ever *, suggests that networking fulfills a basic need. According to John Featherston, President and CEO of RIS Media, “There are very few opportunities for brokers to let down their guard and be able to interact with their peers in a safe, candid environment.”

There is no shortage of networking opportunities

available to brokers but the most effective ones feature peer-to-peer discussions on trending topics. Referral opportunities can be another benefit. Meeting face-to-face with other association brokers often eases agent disputes which can escalate into legal issues. What is the deciding factor whether a broker will take time out of his or her day to attend a networking opportunity?

Most say it is the topic and if a featured speaker is a quality speaker. The knowledge gained from networking can improve delivery of service to

agents which could become a competitive edge. Gretchen Pearson, President of Prudential California comments, “It is critical that we get outside of our own business in order to see where we really are.”

*Taken from the magazine Real Estate, the Leader in Real Estate Information, June 2014 edition

MBN Meetings2nd Thursday of the month.11:30a.m.

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www.facebook.com/mbhfred 540-373-1300

2014 FAAR Tradeshow - September 17th

Join Phillip Blake, Branch Manager, MBH Fredericksburg from 11 am – 12 pm for:

“Transactional Red Flags: Authority to Sell”

Stop by & visit our team at Booths 33 & 34!

Phillip Blake/ MBH Fredericksburg

2013 FAAR Affiliate of the Year!

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By Carolyn Liddell, President, Fredericksburg REALTORS® Foundation

Making the Foundation more recognizable, relevant

The Fredericksburg REALTORS® Foundation has been around since the early 1990s, but I still hear the frequent refrain, "What does the Foundation do?" It's really pretty simple; the Foundation collects contributions from a variety of people including FAAR members, affiliates, and even the public, and gives grants to local non-profits focused on housing needs.

So why do people keep asking the question about what this organization does? It's because the Foundation needs to become more visible and easily identifiable. Some brands are so

established that all consumers have to see is the logo and there is instant recognition. Think about the Nike swoosh. Consumers don't even need to see the word "Nike" because they see the swoosh and immediately know what brand is being marketed.

The Foundation is in the process of rebranding itself and while it will be a while until we can be like Nike, the goal is to create an easily recognizable logo that will allow our members and the public to see it and instantly know what we're about. Over the coming months you will see

new and different marketing materials from the Foundation so that when someone asks, "What does the Foundation do?", all FAAR members will easily be able to answer that question.

WE GIVEBACKFredericksburg REALTORS®Foundation

www.facebook.com/mbhfred 540-373-1300

2014 FAAR Tradeshow - September 17th

Join Phillip Blake, Branch Manager, MBH Fredericksburg from 11 am – 12 pm for:

“Transactional Red Flags: Authority to Sell”

Stop by & visit our team at Booths 33 & 34!

Phillip Blake/ MBH Fredericksburg

2013 FAAR Affiliate of the Year!

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FAAR offers electronic voting and the ballot will be posted at faarmembers.com by early September. Those who want to vote with a paper ballot can do so by going to the Election table in the Lobby of the Expo at the September 17 FAAR EXPO from 9 am to 1 pm. Members will also be able to vote online at the Election table. Election results will be announced after 3 pm at the FAAR EXPO.

Candidates for 2014 Election for the Year 2015

President Brooke Miller, ABR, GRI, CRS- Long & Foster, Inc.- Fredericksburg

President-Elect Christine Singhass, ABR- Realty World Select

Vice President Linda Fosdick, ABR, CRS, GRI- Dockside Realty

SecretaryJorge Robert, Coldwell Banker Elite- Stafford

Treasurer Arlene Mason, Coldwell Banker Carraige House Realty, 1st of a two-year term Immediate Past President Debbie Irwin, ABR, GRI- Coldwell Banker Elite-Spotsylvania

Directors- Five candidates for two positions- winners are the top two vote getters. Select up to two.

Mary Beth Rich, ABR- Century 21 New Millennium - Stafford

Kevin McGrathLong & Foster, Inc. -Fredericksburg

Drew Fristoe, ABR, e-PRO- Coldwell Banker Elite-Massaponax

Adrianna Cowan-Waddy, CCIM- Adrianna S. Cowan & Associates, Inc.

Michelle Caldwell Thompson- CTI Real Estate

Joining continuing Directors- Paddy Osborne, Mark Geslock, Erin Newbill, Bob Mercurio

“Additional candidates for the offices to be filled may be placed in nomination by signed petition by with at least twenty percent* of the REALTOR® members. The petition shall be filed with the Secretary (Chief Executive Officer) at least two weeks before the election. The Secretary (Chief Executive Officer) shall send notice of such additional nominations to all REALTOR® members before the election.”(As of 6/23/14 there are 1428 REALTOR® members. 285 names are needed to complete the petition requirement and be sent to FAAR by September 3, 2014.)

SAMPLE BALLOTSLATE OF CANDIDATES- 2015 LEADERSHIPELECTION SEPTEMBER 17, 2014

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Bylaws Change – RationaleShortening the time period to complete the new member requirement of an ethics class/orientation

Members are asked to vote yes or no on the following change to the Association’s bylaws. The rationale for shortening the time new members are given to take the required ethics class/orientation session is so they receive the valuable information about the Code of Ethics and the advantages and requirements of membership soon after application. If the majority of the voting members vote yes, a new member will have two opportunities to attend the ethics class/orientation within the first 120 days, NOT 180 days as a FAAR member.

Vote YES or NO…

Y___N___ Section 4. New Member Code of Ethics Orientation:

Applicants for REALTOR® membership and provisional REALTOR® members (where applicable) shall complete an orientation program on the Code of Ethics of not less than two hours and thirty minutes of instructional time. This requirement does not apply to applicants for REALTOR® membership or provisional members who have completed comparable orientation in another association, provided that REALTOR® membership has been continuous, or that any break in membership is for one

year or less.

Failure to satisfy this requirement within 120 days (180 days) of the date of application (or, alternatively, the date that provisional membership was granted), will result in denial of the membership application or termination of provisional membership.

Note: Orientation programs must meet the learning objectives and minimum criteria established from time to time by the NATIONAL ASSOCIATION OF REALTORS®.(Adopted 1/01)

SAMPLE BALLOTSLATE OF CANDIDATES- 2015 LEADERSHIPELECTION SEPTEMBER 17, 2014

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CANDIDATES FOR ELECTION FOR THE YEAR 2015

PresidentBrooke Miller, ABR, GRI, CRS- Long & Foster, Inc.-

Fredericksburg

Brooke Miller has served as Treasurer and is currently the President Elect on the FAAR Board of Directors. She has enjoyed serving the membership and will continue this service as FAAR’s President. Brooke holds a BS from Vanderbilt University as well as the designations of ABR, GRI, and CRS.

In addition, she is a RECA instructor on Marketing, Business Planning, Strategy, Technology. Brooke is a member of the VLA (Virginia Leadership Academy) class of 2010.

President-Elect Christine Singhass, ABR-

Realty World Select

With more than a decade of real estate experience, Christine Singhass has been an intricate part of FAAR and the local community. In addition to serving as FAAR 2014 Vice President, she is President of the Central Virginia Housing Coalition, Vice Chair for the VAR Manager’s Council and has served on the NAR Housing Opportunity Work Group for the last two years. Her commitment to a higher level of professional in our industry and dedication to the overall protection of housing related issues in our region make her an ideal candidate for 2015 President-Elect. She would be honored to receive your vote and represent you in the coming year.

Vice President Linda Fosdick, ABR, CRS,

GRI- Dockside Realty

“Join, participate and contribute”. This is clearly how Linda Fosdick views being a member of FAAR. Linda is completing her second of a two-year term as Treasurer after serving for two years as a Director.

She became a member of the Education Committee in 2006, served as its Co-Chair in 2008 and 2010, and its Chair in 2012. She has served on several task forces and committees, is a RECA instructor and was a Grievance Committee member. She is a graduate of the 2008-2009 Association Leadership Development Academy(ALDP).

Linda enjoys and benefits from her participation, and is committed to the future of FAAR.

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SecretaryJorge Robert, Coldwell Banker Elite- Stafford

After being elected a FAAR Director in September of 2010, Jorge R. Robert is interested in continuing to serve the FAAR membership at a higher level of commitment and dedication. For this reason, Jorge is again running for the position of Secretary of the Board of Directors.

Since 2007, Jorge has been a REALTOR® in Virginia, but he has been investing in real estate since 1972 in California and Ohio. He comes to FAAR with varied experience: nine years as a consultant for the federal government, 27 years as a civilian with the Department of Defense, and with the military including 6 years active duty and 25 years in the Army Reserves.

Jorge holds a BBA degree from the University of Notre Dame and an MBA from the California State University Stanislaus.

Treasurer Arlene Mason, Coldwell Banker Carraige House Realty, 1st of a two-year

term

Arlene has been a licensed REALTOR® since 2004. For the past six years, she has served on the FAAR Public Relations Work Group and held the Chair position for two years . From 2010-2012, Arlene served on the FAAR Professional Standards Work Group. Earlier this year she earned her Associate Broker’s license. She also holds the designations of ABR, GRI, and SFR.Arlene was elected to serve as a Director (2013-2015) on the FAAR Board of Directors. Also she is a graduate of the Virginia Leadership Academy’s Class of 2013. Only 20 REALTORS® from across the entire State of Virginia are chosen each year for this honor. Arlene is proud to be nominated for a two-year term as Treasurer of FAAR. She is very excited to utilize her financial management skills in assisting FAAR with its continued growth and service to the local REALTOR® community.

Immediate Past President Debbie Irwin, ABR, GRI-

Coldwell Banker Elite –Spotsylvania

Debbie Irwin is with Coldwell Banker Elite- Spotsylvania. She serves on the Board of Directors of FAAR, is the Chair of the Managing Broker Network, and an investor in RPAC.

She is always looking for FAAR members to join her in promoting FAAR’s events and classes. One of Debbie’s strength is commitment to task. Creating new projects and seeing them through is what makes her tick.

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Mary Beth Rich, ABR- Century 21 New Millennium - Stafford

Mary Beth Rich, of Century 21 New Millennium has been a member of FAAR since 2010. She has been actively involved at FAAR, serving on the Community Outreach and Special Functions Committees and is an acting Governor on Fredericksburg REALTOR® Foundation. She is also Secretary of Women’s Council of Realtors® and has earned the designations ABR, SFR, and e-Pro®. She is actively involved in our community through Habitat for Humanity and Empowerhouse. Involving REALTOR® in the community at large and making the public aware of the importance of hiring a REALTOR® are her priorities but she is also committed to continuing FAAR’s evolution of increasing educational opportunities, upholding standards and ethics, legislative empowerment through increased contributions to RPAC and continuing to give back to the communities FAAR serves.Mary Beth would be honored to serve on the Board of Directors and would be sure to include your input, opinions and ideas throughout her term.

Kevin McGrath- Long & Foster, Inc.-

fredericksburg

Education is everything; in our schools, in our community, and in our industry. The learning process ever stops, and it is imperative that we instill in our members that education is an ongoing and collaborative process. Kevin has been a REALTOR® for a little over 10 years now, and the changes he sees in the industry seem to be happening at an exponential rate; he believes it is the job of FAAR to stay ahead of the curve and continue to be an asset to our REALTORS®, forging a path for professionalism while continuing to build our organization through involvement of new REALTORS® from the beginning of their career through education and involvement.

Michelle Caldwell Thompson- CTI Real

Estate

Licensed since 1992, Michelle feels she is well positioned to be A Voice for REALTOR®. Michelle, a former dual careerist, is a wife, mom of three, a state licensed real estate instructor and owner of an independent real estate services firm, CTI Real Estate. Having grown Caldwell Thompson Incorporated from a team of five to nearly 50 agents in ten years, Michelle Thompson understands the unique challenges of providing the level of service clients expect, while engineering an effective balance between work and family life. Michelle Caldwell Thompson is an alumnus of Leadership Fredericksburg, serves on the Board of Directors of Hope House and is a Member of the City of Fredericksburg Riverfront Task Force.

DIRECTORS- FIVE CANDIDATES FOR TWO POSITIONS- WINNERS ARE THE TOP TWO VOTE GETTERS. SELECT UP TO TWO. Joining continuing Directors-

Paddy Osborne, Mark Geslock, Erin Newbill, Bob Mercurio

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Drew Fristoe, ABR, e-PRO- Coldwell Banker Elite-

Massaponax

Drew Fristoe joined FAAR in 2008. Fristoe is active in his national, state and local association. He is a co-founder of the Fredericksburg Area Association YPN, which Drew chaired in 2012 and also the Virginia Association of REALTORS® YPN, which he is Vice Chair for 2014. Fristoe has served on the Virginia Association of REALTORS® Information Management Committee since 2012. He was also chair of the Fredericksburg REALTOR® Foundation for 2011 and 2012. In addition, Fristoe has worked on the Federal Political Coordinating Team for 1st District Rep. Rob Wittman (R-VA) since 2009.Drew will always support FAAR and will work towards getting more member involvement in the association. He strives to continue FAAR’s progressive voice for REALTORS® and the REALTOR® community.

Adrianna Cowan-Waddy, CCIM- Adrianna S. Cowan

& Associates, Inc.

Adrianna has been licensed for 38 years specializing in commercial real estate for the past 24 years as a CCIM. She brings to the table not only many years of experience as a Broker, but leadership roles on many Boards and organizations. She wants to join the FAAR Board of Directors to be able to “give back” to the industry. Her hopes for the future of FAAR include advertising to the general public the meaning of a “Realtor” vs. a real estate agent, enforcing the Code of Ethics, increasing RPAC giving, and keeping FAAR on top of the latest technology offers in products for our membership.

DIRECTORS- FIVE CANDIDATES FOR TWO POSITIONS- WINNERS ARE THE TOP TWO VOTE GETTERS. SELECT UP TO TWO.

IMPORTANT NOTICE

2015 dues billing

BrokersThe 2015 dues billing should arrive the week of August 11.

Please contact the FAAR office if you do not receive yours.

Agents

Brokers are responsible for the distribution of the invoices. If for

some reason the invoice is not received, please check with your

Broker.

Please observe the deadlines. Payment is due

September 30. A late fee of $25 applies after September 30

through December 31. If dues are paid after December 31, a member

will have to reapply and be charged the $275 Application Fee.

2015 dues bills will be available for online payment after August

8. To pay your dues, log in to your FAAR account, click “My Account Profile” and then select “Pay Dues

Online”.

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Meeting new core standards required to maintain a REALTOR® association charterBy Pat Breme, RCE, CIPSChief Executive Officer

NAR is flexing its muscles and demanding a higher level of services for members of REALTOR® associations. Nationwide 54% of the associations have 500 or less members and optimal services may not be available due to lack of funding or other variables. NAR is urging mergers and shared services among struggling associations so all members can expect a certain level of service.

FAAR’s leadership and staff are confident the association will meet the standards and be recertified. The greatest burden is compiling the required data but staff has divided the workload based on their specific areas of responsibility. “We are collecting information from manuals, policies and governance documents and waiting for formatting and uploading directions from NAR”, explains

Pat Breme, FAAR CEO.

Local, state, and territorial associations of REALTORS®, as a condition of membership in the National Association of REALTORS®, must meet NAR’s Organizational Alignment Core Standards, a set of requirements that fall into six categories:

1. Code of Ethics- an established professional standards process; Code of Ethics training

2. Advocacy- responding to calls-to-action, RPAC billing/contributions, engagement in policy issues that affect REALTORS®

3. ConsumerOutreach- providing statistical information to the public, community service projects related to housing, building relationships with elected officials

4.UnificationEfforts and Support of the REALTOR® Organization- legal counsel, updated strategic plan, professional staff training, member communications

5. Technology- website with linking ability to other sites

6. Financial Solvency- audit opinion or accountant’s review report, established sound financial and investment

structures/policies

The cited examples are just some of the areas that each association will have to show proof of performance.The deadline for certified compliance with the standards is by June 30, 2015—and by June 30 of each subsequent year—or be subject to revocation of their charter.The standards were approved by NAR’s Board of Directors in May 2014 and replace a previous set of organizational standards. The purpose of the new standards is to raise the bar for REALTOR® associations and ensure high-quality service for REALTORS®.

Enforcement of the Organizational Alignment Core Standards will be the joint responsibility of the local associations, state and territorial associations, and national association. NAR is currently building an online compliance reporting process, with expected completion in fall 2014.

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January

Gary Gardiner, JrAshley SligerCarole GreenKevin DunnAnnie NelsonDennis ParsonsJennifer KleczkowskiRobert FlanaganNiki SmithMarla ClarkRachel SowersMichelle SmithHeidi McPhersonJamie DecaturMuhammad ShahidJames GonzalezLauren RowleyBrian AshtonJanuari SamuelsSheila TibbittsAmie McCullochKevin PlourdeSharon MillerRachel RatcliffMartha StinsonElise SuichNona AdamsRhonda JohnsonDarlene KittermanDale GoodrichSharon DukeRandall TinglerHelen ChapmanMichael WickliffStephanie BechtelKaren JonesJose Montanez, SrStacey OliverLinda FutatoMyles Eglevsky

February

Korrie GallahanChristine MaherEunicseia Johnson-ByrdMarian HartIanthe JohnsonRose RiosWendalyn NappierChristopher TateDavid StoneLori Anne ConnollyAlec OughtonDonald RothRhonda KohnenKevin EdwardsRebecca HaynieAngela BrooksDavid BrowneClaudia Hoyos-ArtegaClaudia PalmeriDoreen PhillipsLinda LearnAmber ClementsJade Ritchie

March

Tina SeyfertErin StopyroCatherine StantonRobert WenningerSarika ChopraJody MilanoAhmad WilliamsWendy BabecShaunda HowertonBrydon JacksonMichael FlynnChristopher BurnsSandra HuizengaRick LoyJonathan BabecMichelle HudsonCrystal Carter

Maria KellyPatricia PiazzaJennifer DeckerAshley ReevesTed Dixon IIIBrian WallsAlysha Washington

April

John Lynch IIIRenee GarrettNeil SullivanJoan WellsJulie WeemsJennifer HarrisBrenda LockeAmy AdamsSteven WeberAllison StengerTre NormanPatricia TalbottDennis MasseyNatassia ClemmonsDeborah NelsonMary JachimczukCheryl SjostromPatricia ScelfoRobert ChapmanKeith BourgaultDeborah Ruocco-ToledoVirgis BrownKathleen ThompsonJoy CrombieHeidi DimasAndrea StaplesTheodore EisenmanMichel MealoKelly AlmandGinger WalkerGordon WayneMargaret BurkeMichael CrispSherwood MooreClay Murray

2014 NEW MEMBERS WELCOME TO FAAR

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Maria KellyPatricia PiazzaJennifer DeckerAshley ReevesTed Dixon IIIBrian WallsAlysha Washington

April

John Lynch IIIRenee GarrettNeil SullivanJoan WellsJulie WeemsJennifer HarrisBrenda LockeAmy AdamsSteven WeberAllison StengerTre NormanPatricia TalbottDennis MasseyNatassia ClemmonsDeborah NelsonMary JachimczukCheryl SjostromPatricia ScelfoRobert ChapmanKeith BourgaultDeborah Ruocco-ToledoVirgis BrownKathleen ThompsonJoy CrombieHeidi DimasAndrea StaplesTheodore EisenmanMichel MealoKelly AlmandGinger WalkerGordon WayneMargaret BurkeMichael CrispSherwood MooreClay Murray

Isabel FridayNicholas SebringRicardo MirandaMadeline Crespo

May

Tina StuartAnnisa StaatsMilissa PeznolaKimberly RobinsonJonathan BurkeElla RockTina OttRene AndersonBeverly ReinharzMatthew PattersonRobert Wilhite, JrAmy FarmerDenisse SzmigielShawn HumbergerCynthia Taylor-DuBoisAnn SlaughterDoug BrayLaura SollarsCheryl IzzoSarah FoyJanay HutchesonJessica CornejoKristi Burke

June

Ashley BarberAlexandra LicataMark KingTeresa RobinsonKendra MervynDiana NickMatthew CroceRichard HellerAlex DruashJose UlloaScott Patrick

Ben QuannCheryl CoonsTeresa BroomerMonica BogertJanice BolesCherub DanielsClarence MillsSteve ZolnowskiSusan NealKate BurrellDeborah OuelletteLatroya ChewKimberly JenningsThomas Homan

July

Denise IveyStephanie FlemingJennifer Church

Stephanie Walters

Winston HicksCarol Moss-BaileyMagnolia MartinDarren MeyerAshley HolmesEvelyn LeshDarlene DavisAngela CrowellSophia CressyThomas DistasioDaniel HawleyKingsley McNairnJacqueline BrittMelanie GrayAngela SpencerGeorge LyonsRebecca HarrisAda Villatoro

2014 NEW MEMBERS WELCOME TO FAAR

Your goal is to turn buyers into homeowners. Our goal is to provide financing to make that happen. And, as the nation’s #1 residential mortgage lender, we provide a wide array of products and programs. So no matter what your client’s home buying goals, we can help you by providing financing options to meet nearly any homebuyer need.

· Purchase loans including FHA and VA programs · Mortgages for high-end purchases · Investment property financing · New construction and renovation loans

No other lender is as dedicated to delivering quality products and services to you and your clients as Wells Fargo Home Mortgage.

We’re ready to help you put buyers into homes. Contact your Wells Fargo Home Mortgage consultant today.

Dedicated to helping you put buyers into homes

Wells Fargo Home Mortgage3447 Fall Hill Ave, Fredericksburg, VA 22401Office: 540-785-3301, Fax: 540-548-2016www.wfhm.com/loans/fredericksburg-builderva

Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2014 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS1013503 Expires 4/2014

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Do you want to judge the 2014 Builders Association Parade of

Homes?

Judges will determine the much coveted Realtors® Choice Award for best overall value!

Judging days are Monday, September 29 and Tuesday,

September 30.

Contact Kim McClellan (kmcclellan@faarmembers.com) for an application today.

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Golden “R” Investor ($5,000)Melanie Thompson

Crystal "R" Investor ($2,500)

Christine SinghassSuzy StoneClaire Forcier-Rowe

Sterling “R” Investor ($1,000)Andrew FristoeDavid MoberlyPatricia BremeAlicia AngstadtSuzanne Brady*

Governor’s Club ($500)Teunsha Williams-Hinnant*Debra Irwin*

Capitol Insider ($250)Linda FosdickDawn JosemansMary RichRalph DeRosaTeunsha Williams-HinnantMark Geslock

$99 Club ($99)Sarah StelmokAdrianna CowanDaniel LesherLatana LockeMargaret SmithChip TaylorElsa RakeRuth DodsonLinda Laub-Canty

C. Lynn LenahanErin NewbillMichael O'ConnellMelissa StewartMerlyn BanksAnn BlackVictoria Boarman-PhillipsMichael BoitnottCheri BrownAlanna BurlesonSamuel CacholaNick CalamosBarbara CastilloJohn CheadleArthur ChiavaroliEarnest DassAlberta DavisDaniel DeMarchisJo Anne GreenBettina GreinCarol HolleyCynthia JoskowiakRobin MarineArlene MasonJohn McEwenClay MihoulidesThomas NealPatrick OsborneRichard PruittMatthew RathbunRobert RochonHunter ScottSandra SheehanRalph SkidmoreJames SmithRichard SnowLyra StroudDenise VrabelJane Wallace

Fair Share Investor ($30)Lisa DarioHilary DelwicheKatrina HeldrethNatalie HoltJuli MockSandra PearceJoshua PharesBonnie RameyKarin WhitleyFrank FrancoDonna ChandlerCindy LeBrunPatricia MartinBrooke Miller

Mark MillerShelly ThompsonLaura FangmanDebra IrwinDiana LesterWilliam McGradyLaura MonaghanAda MurphyLori NolandAshley StrieglerLaura Lee JaworskiJohn AlfasiRobert AlmyCharles AmosSabrina AndersonBrenda AndrewsElaine ArnoldDebbie BaileySherry BaileyBobby BalderasWarren BaneNguyen BanksTricia BarnesLisa BarrettKathryn BarrySharon BehlAlexander BelcherKathryn BelcherRobert BelmanCarmella BennettWilliam BethardsJames BethellSusan BeuchertAnne BierleinMarylou BlueDoreen BoggsAudrey BorjaVirginia BradshawMilton BranchCathy BraySonny BrayKevin BreenDavid BrewerRalanda BrewerShawna BrockE. Gerald BrownJamie BrownJeanette BrowneJoseph BrumfieldAndrea BuckAlan BurrellKerry BushRobin ButlerSteven BuweGeorgia CacholaJennifer CaisonChristopher CalamosYoung CameronTina Carter

Patricia Carter-FeindtMelisa CasacubertaTheresa Cassi-HookThelma CheadleKathy ChoiPhyllis ClarkRodney ClarkVictoria Clark-JenningsTiffany CloudJames CoatesJoyce Compton-LamantiaAbelardo ContrerasAmy CooperJessica CooperKaren CorronDonna CosolaAlaina CottonCheryl CoveyMollie CramerKannatis CrawfordClaudia CroneTanji CroppGeorge CroweKathy DanielsonJeanne DeFeoValerie DellandreKay DennisonLynn DeSenaKristina DixonKelly DodsonKaren DonnellyKatharine DovePaul EakinKathleen ElimGayle ElliottAngela EptingMelissa EscobarJulie FarmerLori FeldhausKison FenwickGregory FernettJames FetskoLaurie FetskoGeorge FinleyTracey FlemingCarolyn FosterCharline FrancisJohn FugettTeresa FugettKathleen GardnerRonald GentryMonika GibsonMichael GilliesRobert GilliesPatricia GloverDonna GoodwinJudith GrahamLewis GravesKathryn Greenlaw

RPAC

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Nicole GrinnanJohn GustafsonBrenda HansenThomas HansonMichele HarlowFreida HarrisMichele HarrisZachary HarrisonJuli HawkinsDonald HelleuNancy HendricksonPatricia HermanJennifer HernandezTiffany HickmanLori Hillard-WehrEvelyn HiteCharles HoffmanJanet HoltLori HorstickKelly HoveyBarbara HoweElla HubbardShannon HudsonShawn HuwarBrenda HynsonRobert ImperialHarold IrbyTeresa IrishLeah JacobsenCynthia JamesLindsay JanneyPaul JanneyEllen JarrellBarbara JenningsDouglas JenningsVicki JenningsDeborah JettAndrew JohnsonDiana JohnsonIanthe JohnsonRalph JohnsonRalph JohnsonSanford JohnsonShelley JohnsonDebra JoyceMargaret JurichChristian KailaMarie KellyStephen KennedyJoyce KernsDeborah KindigDeborah KlingensmithHeather KrauseJason KrauseNichole KreinerGregory LantierPamela LawrenceAnna Lee

Barbie LeeSharon LeeJanet LewisRobert LewisJohn LicataPatricia LicataWestley LittlejohnCindy LockeAlex LongMarilyn Love-CodyKelli Love-SmithGeraldine LudwigBeverly MabbittPamela MartinDebra MatalavageConstance MaternickDoris McAdamsPatricia McCordGregory McCrackenKaren McFarlane-YoungKevin McGrathLinda MedleyRobert MercurioCamilla MesserMyklind MessingerDanna MiddletonChristina MihoulidesBarbara MillerDanielle MillerDenise MillerDolores MillerTracy MillerMary MinchinNancy MizelleTerri MoberlyKatherine MuddConnie MulgrewPatricia MurphyLinda MurrayHolly NelsonMarvin NicholsCrystal NorbeckChristina NyeLisa O’ConnellJanice O’HaraVassa OlsonCharles OstlundPenny OstlundRuthan O’TooleShawn PalivodaRyland PayneJames PeregoyCandice PerryTina PerryDana PhillipsAnthony PicarazziBarbara PilleyErin Pitts

Paul PorthouseDeborah PriceKim RansomeCorey ReynoldsLaura ReynoldsJohn RheaDinah RichardsonJorge RobertDana RobertsonHarper RobinsonJeffery RobinsonSean RobinsonRudy RodriguezCarol RollinsMelissa RoseWilliam RothHeather Roth-HagermanBeverly SalaJoby SalicetiElizabeth SandridgePamela ScavongelliRelda SchickJoseph SchlagerCornelia SchwartzmanPeggy ScottMatthew SealyNatalie SeliquiniDawn SettleAnthony ShadeSharon ShadeRoy ShankAndrew ShannonMitch ShumateLeona SkidmoreBruce SlaterCourtney SmithDavid SmithDavid SmithElerose SmithMarie SmithThomas SmithChristopher SnowSidney SorensonGlenna SouthardSarah SouthworthSandra SteinSandra StevensJustin StonehillSusan StonehillTerrie SuitCathi SullivanDenise SullivanJustin SullivanNorman SullivanWanda SullivanKati Sweeney BockTonya Szakelyhidi

Amy TaylorTeressa TaylorEd TennstedtMartha ThompsonCamilla TierneyLaura TildenCarolyn TimmonsWilliam ToddBonita TompkinsPenny TraberTammy TranLauren TruchsessSusan TurtonPaul VadeboncoeurJoy VeazeyVirginia VickersMichael VrabelWayne VucovichBarbara WaiteMichelle WaldenKelli WalkerEunice WallerRebecca WalleyKemper WeaverTimothy WebbMargery WesterbeckMark WesterbeckBetty WesterlundKenneth WhiteTessa WilborneChristopher WilliamsJames WilliamsRenee WilliamsBetsy WillseyTina WilmoreTerance WilsonAneida Wolford-TeasdaleGrace WozniakBobby Wright

All of the individuals on this list have invested their Fair Share of $30 or more

in RPAC in 2014. Don’t see your name? There is still time to give to RPAC

and be recognized for your contribution! You can

give at the FAAR Expo in September or send a check

to the FAAR office today. Call Kim McClellan at 540-373-7711 for more details about how you can invest.

RPAC

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ABR Designation Course—The overall goals of the Accredited Buyer’s Representative Designation course are to prepare real estate professionals to represent buyer-clients in real estate transactions and provide the quality of service and degree of fidelity to buyers that sellers have customarily enjoyed. In addition, this course will offer ideas and methods for building a buyer representation business. Instructor: Donna Austin

Dates: September 11 & 12—ABR Designation Core Course

Time: 8:30 a.m. - 5 p.m.

Location: FAAR Classroom, 2nd Floor 2050 Gordon W. Shelton Blvd. Fredericksburg, VA 22401

Registration is required. Fee includes a 1-year membership to REBAC.

Register Online — logon to faarmembers.com, click “Online Registration” under Education tab and follow prompts or by Fax — complete the registration form below and then fax to 540-736-0301

Name: _______________________________________________ Company: ____________________________________________________

Phone: _____________________________________ Email Address: ___________________________________________________________

Payment: VISA MasterCard Am. Express CC #: ____________________________________________ 3-digit CVC # ___________

Expiration Date: ___________________________ Total Amount: ___________________________________ Authorized Signature: _________________________________________________________________________________________________

NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711. Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event RECA cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least 3 (3)business days prior to the class date.

This event counts for 5 pts. under Education Activities toward the Professional Honor Role recognition.

ABR Core

ABR Designation Core Course

Upon completing the two-day core course and successfully passing the exam, students will have achieved ABR® candidate status, which in-cludes an elective course, to become an ABR® Designee.

In addition, students will automatically become a member of REBAC for one year—free!

Visit www.rebac.net for complete details on earning the ABR Designation.

MEMBER NON-MEMBER

Early Bird Registration Extended! Early Before 8/25

Regular Starts 8/26

Early Before 8/255

Regular Starts 8/266

ABR Core Course Designation Only September 11 & 12

$275 $330 $299 $358

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VISIT OUR OFFICE1251 Carl D Silver Parkway | Fredericksburg, VA 22401

Contact us to find a loan officer for you

Call 1.540.379.1502

DON’T WORRYABOUT CLOSING.COUNT ON IT

OUR TEAM OF EXPERTS

Sales LeadershipDwight TaylorRetail Branch Sales Managerdwight.taylor@everbank.comNMLS ID: 485027

Nick BohnRetail Sales Managernick.bohn@everbank.comNMLS ID: 450883

Greg RodriguezMortgage Loan Officergregory.rodriguez@everbank.comNMLS ID: 704753

Donna MoffettMortgage Loan Officerdonna.moffett@everbank.comNMLS ID: 524555

Sean AttardMortgage Loan Officersean.attard@everbank.comNMLS ID: 459598

© 2014 EverBank. All rights reserved. 13ERM0138.90. NMLS ID: 399805.

A HASSLE-FREE LOAN FROM EVERBANK MAKES YOUR JOB EASIER.Your clients have dreams to fulfill and moving trucks to unpack. That’s why we make things easy from day one—offering a variety of smart lending solutions tailored to fit their needs.

• Fixed, ARM, FHA and VA loans

• Jumbo loans up to $3 million

• Financing for purchases and refinances

• Short closing times

ABR Designation Course—The overall goals of the Accredited Buyer’s Representative Designation course are to prepare real estate professionals to represent buyer-clients in real estate transactions and provide the quality of service and degree of fidelity to buyers that sellers have customarily enjoyed. In addition, this course will offer ideas and methods for building a buyer representation business. Instructor: Donna Austin

Dates: September 11 & 12—ABR Designation Core Course

Time: 8:30 a.m. - 5 p.m.

Location: FAAR Classroom, 2nd Floor 2050 Gordon W. Shelton Blvd. Fredericksburg, VA 22401

Registration is required. Fee includes a 1-year membership to REBAC.

Register Online — logon to faarmembers.com, click “Online Registration” under Education tab and follow prompts or by Fax — complete the registration form below and then fax to 540-736-0301

Name: _______________________________________________ Company: ____________________________________________________

Phone: _____________________________________ Email Address: ___________________________________________________________

Payment: VISA MasterCard Am. Express CC #: ____________________________________________ 3-digit CVC # ___________

Expiration Date: ___________________________ Total Amount: ___________________________________ Authorized Signature: _________________________________________________________________________________________________

NOTE: If you require ADA assistance for the classroom, please call FAAR at time of registration at (540) 373-7711. Opinions and information delivered in all FAAR courses should be confirmed as compliant with the Student's Company Policy before including in business practices. Refunds will only be given in the event RECA cancels the class or if the registrant withdraws from the class by contacting FAAR during business hours, at least 3 (3)business days prior to the class date.

This event counts for 5 pts. under Education Activities toward the Professional Honor Role recognition.

ABR Core

ABR Designation Core Course

Upon completing the two-day core course and successfully passing the exam, students will have achieved ABR® candidate status, which in-cludes an elective course, to become an ABR® Designee.

In addition, students will automatically become a member of REBAC for one year—free!

Visit www.rebac.net for complete details on earning the ABR Designation.

MEMBER NON-MEMBER

Early Bird Registration Extended! Early Before 8/25

Regular Starts 8/26

Early Before 8/255

Regular Starts 8/266

ABR Core Course Designation Only September 11 & 12

$275 $330 $299 $358

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47

By Paddy Osborne, Technology Committee ChairMouse versus Keyboard – which one wins?

I have been fortunate in my life to have spent a lot of time working with or around computers, and have been able to learn and absorb lots of handy time saving tricks along the way.

One of the most valuable habits that I picked up several years ago will work in most Windows based applications and programs: Using keyboard shortcuts instead of reaching for the mouse.

If you are familiar with this

practice then you will understand

the value, but to illustrate my point while writing this, I did a quick self-timed experiment……..

Using the mouse I opened a new blank document, selected the first paragraph of text in this document, then clicked through the menus to Copy and Paste a duplicate of the paragraph into the new document. Total time was approximately 20-25 seconds. Using keyboard shortcuts the time to perform exactly the same task was reduced to just over 5 seconds. Here are the keystrokes used: Ctrl-N, Alt-Tab, Shift-Down Arrow, Ctrl-C, Alt-Tab, Ctrl-V (see glossary below for more information).

All of the MS Office applications (depending on the version you are running) will show you

available keyboard shortcuts

either next to the command in the dropdown menu, or by hovering the cursor over the command to be performed. Many of the more common commands are universal like Cut, Copy and Paste, and some are application specific.

Here is a quick glossary of some of the most useful timesavers that I use on a regular basis:

• Ctrl-N =New Document

• lt-Tab (Once) = Switch to last application window

• Alt-Tab (Hold Alt, and repeatedly press Tab) = Scrolls through list of all open windows/applications

• Ctrl-Home = Takes you back to beginning of the page, document or Cell A1 in Excel

• Shift-Down Arrow = Selects text from

current cursor location downward

• Shift-Up Arrow = Selects text from current cursor location upward

• Shift-Crtl-End = Selects text from current cursor location to the end of the document

• Shift-Crtl-Home = Selects text from current cursor location to the Start of the document

• Ctrl-C = Copy

• Ctrl-X = Cut

• Ctrl-V = Paste

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Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. Loans are subject to credit approval. Only deposit products are FDIC insured.

© 2014, Branch Banking and Trust Company. All rights reserved.

B A N K I N G . I N S U R A N C E . I N V E S T M E N T S

Alexis Thomas540.659.9263

NMLS# 415685

Tammy Blevins 540.899.3902NMLS# 777410

Anne Betz540.899.0842

NMLS# 430314

Karen Liebenow 540.786.5769

NMLS# 432568

Sharing knowledge with satisfi ed homeowners.Sharing knowledge with satisfi ed homeowners.Sharing knowledge with satisfi ed homeowners.Sharing knowledge with satisfi ed homeowners.Sharing knowledge with satisfi ed homeowners.

At BB&T, our local fi nancial centers and local lenders keep us close to our clients. And our

award-winning service continues to set the standard. So when you’re looking to buy, build,

renovate or refi nance a home, look fi rst to BB&T. Our door is always open to share more

than 140 years of fi nancial knowledge – helping thousands of clients open doors of their

own. Let’s get started today. BBT.com/Mortgage