GSAR September - December 2011

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cnyREALTOR.com News September-December 2011

The official publication of the Central New York Information Service, Inc. and the Greater Syracuse Association of REALTORS®

NEWS

5

3

Award Nominations Form

Election Information for GSAR Director Positions

2Status Explanations in MLS Upcoming Member Socials:

Are you a “FAN” of our

Facebook page?

You should be! Just search

for “The Greater Syracuse

Association of REALTORS”

And follow us on Twitter

@gsarealtors

We hope to see you at one of our member socials this Fall! We have had great responses to our Socials throughout 2011, with 50-80

members in attendance. We’re updating the pavilion in the back of our building so we can enjoy that space as well! Come by and check

out our new “Taste of Tuscany” pavilion! Please register for these Socials first on cnyREALTOR.com, they are FREE!

October 6th12:00pm-1:30pmDonuts & Cider

Sponsored by Christopher Otis State Farm&

Quality of Life Series“Get out what you put in!”

Presentation by: Theresa Cangemi of My Medicare Made Simple

November 3rd12:00pm-1:30pmGourmet Soups

Sponsored by Terzolo Financial Group&

Quality of Life Series“Be Legal!”

Presentation by: Seth Fischer of Hill & Fischer, P.C.

December 1st12:00pm-1:30pm

Chili CookoffSponsored by Christopher Otis State Farm

We’re also hosting our 2nd annual Holiday cookie exchange!December 15th from 2-4pm. Let Katie know if you are interested in

participating at [email protected]

FREE for all members!

Enjoying the beautiful summer weather at August’s “Burger Blitz”Sponsored by AmeriCU Credit Union

September-December 2011

LYNNORE FETYKOMessage from the CEO

2 NEWS cnyREALTOR.com

My job has its moments....The art of doing a fine job at anything is to make it look easy.....so everyone thinks they can do it! Well, now lets talk about one of my responsibilities that I can’t make look easy or feel good and I bet no one wants to do it! For over 2 years, that’s 24 months, our staff and leadership have done their best to get 1,350 members to follow the rules and do the right thing! Yes, that’s a lot of people and everyone has a mind of their own, feeling as though they are doing what is best for their clients and customers.....or are they? My job is to tell you, “Please, the rules must be followed”. I have asked the staff for a list of constant questions and complaints that filter into our offices on a daily basis (see be-low). Also, I am including the statuses and the interpretations of each below. Please print these out. Tape them to your computer and follow them! I am add-ing “please” and ending in “thank you”, and telling all of our members that this is how we make the system work. Changing the status as required will reduce your Broker’s liability, your liability, and the customers’ and clients’ frustration. It will also stop the second guessing and streamline all of our members’ business practices for a more cohesive way of doing business for over 8,000 MEMBERS who are paying to gain access to the database of CNYIS through our membership in the New York State Alliance of MLS’S! When a Broker subscribes to the Multiple Listing Service (CNYIS), they agree to follow the rules of the service. They also agree that their licensees will follow these same rules. No buyer or seller may require a broker or agent to break the rules. These are the rules! Does anyone have another way for us to convince our members to follow the rules of the service? The only thing I can think of is to reward the person turning in the complaint. If everyone could follow the rules, we won’t have to go that far!

My best in 2011,

Lynnore Fetyko, Chief Executive [email protected] 315.457.5979 Ext.28

Newsletter printing sponsored by KinaneCo.

Your Leadership TeamLynnore Fetyko (CEO), Don Radke (current Presi-

dent), Donna Rausch (2012 President)

Status Translation ExplanationOn Market StatusesA - Active- Property available to be shown, no signed con-tract exists.C- Continue to Show - Under -Contract Property available to be shown, contract exists - See Realtor Remarks

Off Market StatusesU - Under Contract - Do not show Property is not to be shown, contract exists - See Realtor RemarksP - Pending Sale - Contract exists and is waiting for closing (Sale Information not requested.)S - Closed Sale/Rented Property - Closed/Rented (Sale in-formation added at this time)T - Temporarily Off Market - Property temporarily unavail-able, should be back on marketW - Withdrawn - Property no longer on the market, cannot be listed by another broker until expiration dateX - Expired Property -Expired, can be listed by another broker

· Off-Market Listings• Under Contract, DO NOT SHOW - may remain as Under Contract indefinitely• Temporarily Off Market becomes Expired on Exp.Date• Withdrawn becomes Expired on Expiration Date• Expired is purged after 2 years• Pending Sale may remain as Pending Sale indefinitely• Closed Sale remains in the system indefinitely

Rented purge after 1 year

· Active Listings• Active becomes Expired on the Expiration Date• Under Contract, CONTINUE TO SHOW - Under Contract, becomes Expired on the Exp. Date

new pic

Not changing Status Not listing in the actual area the property is located according to tax records Each listing must offer compensation, not receive it from your tenant All property types and statuses are required to have at least one photo, front view of home Keep in mind Fair Housing when writing up public and private remarks Remember, the MLS is about cooperation and compensation between its members!

Purge/Reclassification RulesReclassification of listing status values from one status to another will be configured as follows:

Common Complaints in MLS System:

September-December 2011 3 Newsletter printing sponsored by KinaneCo.

NEWSCNYIS MLSGSAR Election 2011 InformationWe have five openings for the 2012-2015 GSAR Director positions. Please read through the information below to get to know our eight candidates so that you can vote for the ones you feel are most qualified to represent you!The election will take place at the GSAR office from October 20th through November 2nd. Simply stop in to the GSAR office between 9am and 4pm Monday thru Friday to cast your vote. It only takes seconds! We will announce the winners at the Member Social on November 3rd.

David Hanlon, CRB, GRI, CRS, Associate- Broker has been a member of GSAR since 1980 and has previously served two terms as a director of the organization from 1985-1996. In 1995 David served the Association as President. David has received numerous sales awards and in 1997 received the GSAR REALTOR® of the Year Honor. Having served on many Association Committees during his career, David has most recently been a member of the Grievance Committee since 2010. His wide range of real-estate experiences has included: Company Management and Administration; Broker-Ownership; Residential and

Commercial Sales, New Construction, Land Development and Commercial Leasing. As a musician David has recorded on over 30 CDs, been inducted into the Syracuse Sammy Hall Of Fame and lead his own band, Dave Hanlon’s Cookbook, for the last 29 years. “I would be honored and excited to be able to contribute to our REALTOR® community by serving again on the GSAR Board of Directors”

Jennie Chapin is a life long resident of CNY and has been a Real Estate Professional since 1989, specializing in resi-dential real estate. She has been approved to teach Real Estate in New York State and has taught portions of the licensing course at the Professional Career Center. Jennie is currently serving on the Grievance Committee for GSAR, and is also the New York State President for Certified Residential Specialist who travels across the state meeting with CRS agents and providing Mastermind Top Producer Panelists Sessions, CRS Classes, Banking Updates. She regularly travels to the NAR and CRS meetings in the spring

and fall and serves on CRS National Education committee. Jennie has won numer-ous awards for Top Producer and has received the Gold and Silver and Platinum Award for sales production when they were given annually by the GSAR. “I am honored and thrilled to be nominated to be on the Board of Directors. If elected, my enthusiasm, strengths, efforts, motivation and my love of the business will help me guide the membership. I understand the importance of relationships and the ability to work as a team to accomplish what is best for our members.”

Dave Hanlon

Barb Ciricillo

Don Gendron

Bill Bigelow

Kathy Kennedy-Kirby

Jennie Chapin

I, Bill Bigelow, am a life resident of Central New York. I hold an Associate Broker License having served on the Grievance Committee, and now Professional Standards and RPAC. I was a former broker/owner of a popular real estate franchise, successfully reestablishing the brand to our market. I have extensive knowledge and insight in busi-ness management; owning and operating local service companies for twenty years. I am a Navy veteran, graduate of Utica College, and a member of the Dewitt Community Church as a commissioned Stephen Minister. It would be great honor to serve and represent my fellow REALTORS®

on the Board. “Forward thinking is paramount to the success our profession in these tough economic times, and as a member of the Board, I will dedicate my time and effort to ensure our future.”

I am very pleased to have been nominated to run for a director position. I feel I am ready to undertake new chal-lenges, as my two children are now in college and the days of competitive high school sports are over. I graduated from Bishop Ludden High School and SUNY Geneseo, and have been a REALTOR® since 1987. In addition to being an agent for 24 years, I hold an Associate Broker’s License. I have an understanding of the “day to day” obstacles and issues we face as REALTORS®, and feel that I can bring a new voice to the organization. I am asking for your vote in this year’s election. It would be an honor to represent you.

Kathy Kennedy is a Licensed Associate Broker and has been a REALTOR® since 1985. Kathy has been on the Education Committee for the last 3 years serving as the Chair this year. She has been on the CNYIS Forms Committee for the last 6 years. Having also been the new agent company trainer for her company for the last 8 years, as well as a branch manager for 1 1/2 years, she has been able to keep up with the many changes in the real estate business. Kathy has been involved with many, many char-ity auctions volunteering with her husband Jim Kirby as his

assistant. “I am so excited to be nominated to be on the Board of Directors and if elected, I would be honored to serve this Association.”

Actively and successfully listing and selling homes in Central New York, Don Gendron has garnered a reputation as the First Class Agent. Earning his real estate license in 1986 and his broker’s license in 2005, Don has spent more than half of his life in the real estate profession. He has functioned as the marketing director for three real estate companies and in 2003 received a Statewide Manager of the Year award. Don holds the CBR & ABR Designations, is a New York State Certified Paralegal and also a Certified Sales Trainer with Buffini & Company. Outside of real estate, he has served on the Town of DeWitt Parks and Recreation Commission for

seven years, attends evening classes at Columbia College, volunteers for Golisano Upstate Children’s Hospital and enjoys traveling with his wife and two daughters. Don is running for the Director position because he believes he can positively contribute to the current management and functionality of our current board.

Pei Lin HuangThough a “transplant” to Syracuse, I received my degree from Syracuse University’s Newhouse School of Public Communications, and after several years working in New York City, moved back to Syracuse in 1986. It was a thrill to be back, and I certainly did not miss the 2-hour commute (each way) to work in NYC! I’ve been licensed and working as a REALTOR® since 1987. I surprise myself a bit, as I never envisioned myself in sales, despite the encouragement of my former Marketing Manager at ADT. I see myself more as a house therapist and matchmaker--and it’s wonderful to know I make a

difference in people’s housing lives. I’ve seen a lot of changes to the industry (I was first licensed pre-computers, pre-internet, pre-faxes, and pre-cell phones!) and enjoy keeping up with technology and better ways to service and help my clients. If it makes my life easier--or my clients--I’m there! My husband David has been teaching at the Newhouse School since 1979, and my son Kent has been a computer geek since the age of 3. He has never wavered from that track! I come from a sharing background, and look forward to contributing and sharing what I learn, as well as learning from my fellow REALTORS®. It would be an honor and privilege, if elected, to contribute and serve our Association.

Janet WenzelJanet Wenzel is a life long resident of Central New York and is a former teacher. She has been licensed and a member of GSAR since 1986, she holds on associate brokers license. She also holds the following designa-tions, CRS, GRI, CBR, CSP and CEA. Janet is currently serving on the Grievance committee, has served on the Education Committee and the RPAC committee, and has most recently been asked to chair the new Leadership Development Task Force. Janet has always been active in her community and believes in giving back. “It would

be an honor to serve on the GSAR Board of Directors.”

NEWS cnyREALTOR.com4

NEWSGSAR


It’s this easy: If you are an AGENT, text “gsaragent” to 90210.

For BROKERS & MANAGERS, text “gsarbroker” to 90210.

If you are an AFFILIATE, text “gsaraffiliate” to 90210.

We are very excited to be offering this new communication meth-od to our members! By texting the above words to “90210”, you are opting in to receive future communications from GSAR. We will keep you up-to-date with any important notices for classes, events, etc. You can expect 2-4 messages per month.

Professional Standards Case InterpretationsWe hope that you noticed in our last issue of the REALTOR® News that we starting running case interpretations as a way to keep these issues fresh in our minds. We are continuing with this issue, with an article that has been coming up with us locally as well.

These Interpretations of the Code of Ethics have been devel-oped by the Professional Standards Committee of the National Association of REALTORS® to help REALTORS® and REAL-TOR-ASSOCIATE®s understand the ethical obligations created by the Code of Ethics, and as a reference work for Grievance Committees, ethics and arbitration Hearing Panels, and Boards of Directors.

Interpretations of the Code of Ethics presents specific situations involving charges of alleged unethical conduct by REALTORS® and/or REALTOR-ASSOCIATE®s, which are reviewed by a peer panel of Board Members and in which decisions as to ethical conduct are reached. Each case provides the Hearing Panel’s decision based on the facts and the rationale for the decision, but does not specify a specific sanction or discipline to be imposed. There are two reasons for this. First, any sanction imposed must always fit the offense and must involve every consideration of justice, equity, and propriety. Second, a Hearing Panel may base its recommendation for discipline on a Member’s past record of ethics violations.

Case interpretation related to Article 1: Article 1: When representing a buyer, seller, landlord, tenant, or other client as an agent, Realtors® pledge themselves to protect and promote the interests of their client. This obligation to the cli-ent is primary, but it does not relieve Realtors® of their obligation to treat all parties honestly. When serving a buyer, seller, land-lord, tenant or other party in a non-agency capacity, Realtors®

remain obligated to treat all parties honestly. (Amended 1/01)

Case #1-25: Disclosure of Latent Defects(Adopted November, 2000.)Realtor® A had listed Seller S’s vintage home. Buyer B made a purchase offer that was contingent on a home inspection. The home inspection disclosed that the gas furnace was in need of replacement because unacceptable levels of carbon monoxide were being emitted.

Based on the home inspector’s report, Buyer B chose not to pro-ceed with the purchase.

Realtor® A told Seller S that the condition of the furnace and the risk that it posed to the home’s inhabitants would need to be dis-closed to other potential purchasers. Seller S disagreed and in-structed Realtor® A not to say anything about the furnace to other potential purchasers. Realtor® A replied that was an instruction he could not follow so Realtor® A and Seller S terminated the listing agreement.

Three months later, Realtor® A noticed that Seller S’s home was back on the market, this time listed with Realtor® Z. His curi-

osity piqued, Realtor® A phoned Realtor® Z and asked whether there was a new furnace in the home. “Why no,” said Realtor® Z. “Why do you ask?” Realtor® A told Realtor® Z about the home inspector’s earlier findings and suggested that Realtor® Z check with the seller to see if repairs had been made.

When Realtor® Z raised the question with Seller S, Seller S was irate. “That’s none of his business,” said Seller S who became even angrier when Realtor® Z advised him that potential pur-chasers would have to be told about the condition of the furnace since it posed a serious potential health risk.

Seller S filed an ethics complaint against Realtor® A alleging that the physical condition of his property was confidential; that Real-tor® A had an ongoing duty to respect confidential information gained in the course of their relationship; and that Realtor® A had breached Seller S’s confidence by sharing information about the furnace with Realtor® Z.

The Hearing Panel disagreed with Seller S’s contentions. It not-ed that while Realtors® do, in fact, have an obligation to preserve confidential information gained in the course of any relationship with the client, Standard of Practice 1-9 specifically provides that latent material defects are not considered “confidential informa-tion” under the Code of Ethics. Consequently, Realtor® A’s dis-closure did not violate Article 1 of the Code of Ethics.

GSAR Professional Standards Activity

As you know, one of GSAR’s responsibilities is to provide pro-fessional standards services to our members and consumers. This includes ethics hearings, arbitrations, and mediations. The following report is GSAR’s Ethics activity for the period Jan. 1-June 30, 2011.

Between January 1 and June 30, 2011 GSAR received nine for-mal ethics complaints. The Grievance Committee referred eight of those complaints to a Professional Standards Hearing Panel. Articles of the Code of Ethics alleged to have been violated were Articles 1, 3, 9, 15 and 16. Articles 15 and 16 were the most frequently cited.

Attention Brokers and Managers:We have scheduled the next Broker/Manager meeting for Sep-tember 27th at 2pm.

We will be discussing many important topics including lock-box procedures, ListHub, NYSAR Radio for legal advice, and a special presentation on “Lending Products and Mortgage In-surance: Their Affect on Real Estate Sales” by Craig Lonsinger from Mortgage Guaranty Insurance Corporation, and Greg May from Tompkins Trust Company.

These meetings are always well-attended, we encourage all Brokers and Managers to come! You will be updated on many different topics that affect your business. Go to your account from cnyrealtor.com to reserve your seat now!

September-December 2011 5 Newsletter printing sponsored by KinaneCo.

continuedNEWSGSAR

September-December 20116 NEWS cnyREALTOR.com Newsletter printing sponsored by KinaneCo.

continuedNEWSGSARParade of Homes - REALTOR Morning Sept.15

GSAR is proud to be a sponsor of the Parade of Homes once again for 2011. We have sponsored two nights at the Parade - Ladies Night on September 15th, and Ladies Night on Septem-ber 22nd! These are some of the most popular evenings at the Parade, so we are excited to be represented there.

In addition, we now have an advertisement on our home page of cnyREAL-TOR.com - that advertises the 10 listings, as well as a $1 off coupon for the event. We are leading consumers to our site for this informa-tion via our digital billboards throughout Syracuse!

Don’t forget to mark your calendars for REALTOR® Morning at the Parade - Sep-tember 15th from 9am-noon. FREE for all GSAR members, see you there!

We want your feedback!Stay tuned to your e-mail inboxes for a member survey coming from GSAR. We are looking for your feedback on many issues. We do value your comments, and use them to plan for future events, adjust policies, etc.

We will also post the survey on our facebook page. If you are not already a fan of our page, please search for The Greater Syra-cuse Association of Realtors and become a fan!

2012 Installation Gala

SAVE THE DATE! January 13, 2012 at the Doubletree in East Syracuse.

We are planning another elegant evening, in conjunction with the Mortgage Bankers and Home Builders, welcoming our incom-ing leadership. Donna Rausch will be our incoming President, please come and show your support!

Stay tuned for further information towards the end of 2011.

REALTOR Day at the Parade 2010

Dues News

GSAR annual billing will go out 11/01/2011, due on 12/30/2011. Please be sure to pay on time to avoid late charges and shut off.

CNYIS MLS fees will go out 11/15/2011, due 12/15/2011. Please be sure to pay on time to avoid late charges and shut off.

For those of you who have your credit card on file with us, please remember that this information has to be updated every year.

Personal AssistantsFrequently Asked Question:What may a personal assistant legally do?

A personal assistant is unlicensed, therefore, they cannot per-form any function set forth in New York State Real Property Law, Article 12A, §440. As a general rule, any office function that is not set forth in §440 can be performed by a personal assistant.

Some of these general office activities that may be performed by an employee, secretary or a personal assistant who does not hold a real estate license are:

• Answer the phone, forward calls, and take messages.• Arrange appointments by telephone for the licensee.• Follow up on loan commitments after a contract has been negotiated & generally secure status reports on the loan progress.• Assemble documents for closing.• Write ads for approval of broker & place approved classified advertising.• Type contract forms for approval of broker.• Submit approved listings and changes to MLS.• Compute commission checks.• Place or remove signs from property.• Order items of repair as directed by the broker.• Secure public documents from county clerks, courts, water and/or sewer departments or any document from another public repository.• Prepare flyers and promotional information for approval by broker.• Schedule appointments for licensees to show listed property.• Gather information for a comparative market analysis.• Gather information for an appraisal.• Monitor licenses and personnel files.• Perform secretarial & clerical duties such as typing of letters & filing.

What are personal assistants NOT allowed to do?

The items listed below are those considered to be a licensed activity pursuant to Section 440 of Article 12A of the New York State Real Property Law:

• Host open houses.• Show property.• Explain or interpret information on listings, contracts or other information relating to a transaction.• Negotiate or agree to a commission/commission split with any individual.• Making phone calls, telemarketing or performing other activities to solicit business on behalf of the broker.• Any other activity not set forth above for which a license is required.

September-December 2011 7

NEWSEducation


Small Bottles...BIG Help - WIN FREE CE!Win 22.5 hours of FREE CE for 2012!Thank you to Susan and Robert Acker, Fay Christensen, Sydney Vault, Laura Lenze, and Paula Bartlett who have dropped off their do-nations!

We know that our members travel a lot during the summer months, so you have access to sample sizes of toiletries that get discarded if you don’t need them. These sample items can go a long way toward helping local charities!

Now through October, we will be collecting as many small toilet-ries as possible, and donating them to Vera House, and the Dor-othy Day House. Both of these are local charities that can really use these types of donations! They must be unused bottles/bars of soap, shampoo, lotion, shower gel, toothpaste, etc.

The member that collects the most bottles and brings them in will receive 22.5 hours of FREE CE for 2012! This is a $270 value!

Contact Katie with any questions at [email protected]

GSAR Golf OutingGSAR members enjoyed what turned out to be a beautiful day to golf, after some morning rain storms on July 25th. The event was held this year at the Links at Erie Village. Thank you to everyone that attended, it was a fun event!

Congratulations to the following tournament winners:Men’s Division:1st place: Jeff Culver, Michael Mor-rissey, Nate Walker, Mike Garlick2nd place: Ted Kelly, Dave Epolito, Jack Leahy, Scott Lacik3rd place: Chip Hodgkins, Dan Robb, Eric Johnson, Thomas O’Hara

Women’s Division:1st place: Jaime Brooks, Dee Burlin-game, Winnie Schleider, Ann Mullin

Mixed Division:1st place: George Sageer, Steve Fudali, Steve Morgan, Tammy Hoffman2nd place: Darlene Smith, Eric Schus-ter, Mike Leone, Paul Susco3rd place: Rob Carter, Tanya Froio, Kar-en Hammond, Chris Leonard

Closest to Pin: Chip Hodgkins and Tanya Froio

Longest Drive: Chip Hodgkins and Dee Burlingame

To see all of the pictures - please visit our facebook page !

Men’s Division 1st Place

Women’s Division 1st Place

Mixed Division 1st Place

September & October CE sponsored by:Continuing Education Schedule May-Dec. 2011

The Home Inspection Experience w/ Tom ShermanSept 21, 9:00am – 12:0pm. 3.5 HRS CE$42 for GSAR Members / $55 for Non-Members

Creative Financing w/ Donavan PieterseSept 22, 9:00am - 1:00pm. 4 HRS CE$48 for GSAR Members / $60 for Non-Members.

Agency, Ethics & Fair Housing w/ Don RadkeOct 11, 13 & 14, 8:30am – 5:00pm 22.5 HRS CE$270 for GSAR Members / $338 for Non-Members

Fair Housing, Easier Than You Think w/ Fran CarrollOct 25, 9:00am - noon 3 HRS CEFREE for GSAR Members / $45 for Non-Members. AT LEAST 3 HRS OF FAIR HOUSING TRAINING IS REQUIRED FOR LI-CENSE RENEWAL

Mandatory Ethics & Local Assn Training w/ Don RadkeNov. 15, 9:00am - 1:00pm. 4 HRS CEFREE for GSAR members/$60 for Non-Members. NAR MEM-BERS MUST COMPLETE AT LEAST 2.5 HRS OF ETHICS TRAINING BEFORE DEC. 31st, 2012.

ABCs of Real Estate w/ Fran CarrollNov. 30, 9:00am - noon. 3 HRS CE$36 for GSAR Members / $45 for Non-Members

Chris Otis State Farm Insurancewww.chrisotis.com 315-458-5234

It’s time to learn about MedicareNow’s the perfect time to ask about your Medicare options. Come to GSAR on September 20th at 9am to hear from GSAR Affiliate member, Clark Gronsbell of Fiscal Fitness.

How is Medicare different than my previous health coverage?What is Original Medicare and do I have other options?What are Medicare Parts A, B, C, and D?How can I get enough coverage for my health care needs?Will all my prescriptions be covered?How much money will it cost?

Call Clark with any questions at 315-477-1906 - or stop in to GSAR on Sept. 20th 9am!

REMEMBER: DISCOUNT FOR GSAR MEMBERS - 20% discount off the prices below when you register for

GSAR classes thru Dec. at least 10 days in advance!

continuedNEWSGSAR

September-December 2011 8 NEWS cnyREALTOR.com

NEWSSTATE & NATIONAL

REALTOR® Party Political Survival Initiative


As most of you know, the National Assocaition of REALTORS® has approved the REALTOR® Party Political Survival Initiative, that goes into effect in 2012. This means a $40 dues increase for all NAR members. We are providing the following Frequently Asked Questions Update for you, to help you understand the Ini-tiative. You can always visit www.realtor.org/politicalsurvival for more information.

What does the Supreme Court Ruling – Citizens United vs. Federal Election Commission -- mean for NAR?The ruling eliminates the requirement that hard dollars (or per-sonal voluntary contributions) be used to pay for campaigns designed to influence the outcome of an election. Soft dollars, which in our case are dues dollars, can now be used when com-municating with the public to influence voter opinions. While the ruling addresses candidate campaigns, it also makes it much more expensive to communicate with our members and with vot-ers on important real estate issues.

Why do we need to do this now?There are a number of forces at work right now to cut away at private property rights, home ownership and affordable lending. We are approaching a “perfect storm.” The mortgage interest de-duction is being threatened; affordable insurance is tougher to get; getting a loan, even for well-qualified buyers, has become especially challenging; communities are increasingly being bur-dened with higher property taxes and transfer fees; and dedi-cated housing resources at the state and local levels are being diverted to offset budget shortfalls. It’s time to meet these chal-lenges. While the cost of the initiative is high, the cost of NOT doing it is higher.

Can’t NAR just tighten its belt and fund RPPSI by cutting spending in other areas?NAR has indeed taken a number of cost-cutting measures. In ad-dition to eliminating 33 staff positions, reducing staff benefits and freezing salaries, every operating area of the organization has instituted austerity measures designed to trim up to 20 percent off their expenditures. This is resulting in an overall savings of $12 to $15 million per year for the next three years.

Doesn’t a dues increase dedicated to this initiative make us just like unions that require members to support specific po-litical candidates?Only 27 percent of the RPPSI funds have anything to do with candidate funding activities. The other 73 percent is dedicated to services and funding needs for voter records database use, partnering on state/local issue advocacy efforts and grassroots outreach. If approved, the RPPSI funds will help our REALTOR® Family address the monumental public policy issues we face to-day – issues like the future of mortgage finance, facilitating short-sales and access to affordable insurance. Our livelihoods depend on the outcome of these issues and they transcend political party

lines. While unions contribute the vast majority of their political advocacy funds to just one party, RPAC is bi-partisan, splitting contributions nearly 50/50 between Democrats and Republi-cans. Just like RPAC, RPPSI will support REALTOR®-friendly candidates and issues. As a REALTOR®, your input into those decisions is welcome at all levels of the REALTOR® family.

What funds and services will be available for state and lo-cal associations to advance their issue and candidate advo-cacy efforts?Two-thirds of the $194 million five-year initiative ($119 million) is tied to programs and services that state and local associa-tions can access to augment their issues advocacy campaigns and/or independent expenditure campaigns. Only the state/local independent campaign funding is allocated for distribution on a per-member basis. However, in order to receive funds, the state and/or local association must first elect to engage in a pro-RE-ALTOR® Party candidate’s race. In addition to this much-talked-about assistance for independent expenditure campaigns, other services and funding are available for state and local associa-tions, as well. Approximately $82 million will be available in direct funding of issues mobilization requests, coordinated issue cam-paigns, independent expenditure campaigns and direct RPAC fundraising grants. Another $37 million will be in the form of ser-vices such as the Campaign Services program with voter records database and consulting support, the RPAC PAC management software, administration of the broker involvement program, and the online advocacy member communications software.

Paid Advertisement

http://lo.mlhl.com/[email protected], NY 130881020 Seventh North St. Suite 140MetLife Home Loans


YOU CAN USEHOUSING NEWS


Homeownership Tax Benefits Must bePreserved, Say REALTORS®

Any changes to the mortgage interest deduction now or in the future could threaten recent progress toward stabilizing the housing market, critically erode home prices and values, destroy middle-class wealth accumulation and hurt economic growth.

That was the message delivered by National Association of Re-altors® NAR Chief Economist Lawrence Yun during the recent Rethinking the Mortgage Interest Deduction forum, where he joined a panel of experts to debate the future of the MID. The event was hosted by the Tax Policy Center, a joint venture of the Urban Institute and Brookings Institute, and the Reason Founda-tion.

“As the leading advocate for housing and homeownership, NAR firmly believes that the mortgage interest deduction is vital to the stability of the American housing market and economy,” said Yun. “The MID facilitates home ownership by reducing the car-rying costs of owning a home, and it makes a real difference to hard-working middle-class families.”

Yun argued that now is the worst possible time to discuss chang-ing the tax laws, which could further impair the housing market’s fragile recovery and a broader job market recovery.

“One thing that is indisputable is that eliminating the MID will lower the homeownership rate in the U.S.,” he said. “While we must ensure that the conditions that led to the artificially inflated home ownership rate of the bubble years do not resurface, we also need to create the conditions for sustainable home owner-ship, which has been shown to provide myriad social benefits for families and communities.”

During the debate, Yun challenged recent proposals calling for changes to the tax code, stating that it’s a misplaced argument to say the MID was a cause of the housing market bubble and is suddenly part of the deficit problem, when it’s been part of the federal tax code for more than 100 years.

Reducing or eliminating the MID is a de facto tax increase on homeowners, who already pay 80 to 90 percent of U.S. federal income tax. Yun said the share could rise to 95 percent if the MID is eliminated.

Yun also asserted that it’s a misconception that only the wealthy benefit from the MID, when in reality it benefits primarily middle- and lower income families. Almost two-thirds of those who claim the MID are middle-income earners and 91 percent of people who claim the MID earn less than $200,000 per year.

Other panelists at the Rethinking the Mortgage Interest Deduc-tion forum were Seth Hanton, director of fiscal policy, Center for American Progress; Dean Stansel, adjunct fellow, Reason Foundation; and Eric Toder, institute fellow, Urban Institute, and co-director of the Tax Policy Center. The event was moderated by Edmund Andrews, managing editor for economics, taxes and budget at the National Journal.

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Foreclosure activity decreases in all New York State metro areas ; Syracuse 209 out of 211!In its mid-year 2011 metropolitan foreclosure market report, Re-altyTrac, Inc. reported that all eight of New York’s metropolitan areas with populations of 200,000 or more posted decreased foreclosure filings from the previous six months as well as the first six months of 2010. Additionally, the Utica-Rome, NY metro-politan area, with one in every 9,757 homes receiving a foreclo-sure in the first half of 2011, had the lowest foreclosure activity of all U.S. metropolitan areas. Of these 211 metropolitan areas in the country, Utica-Rome came in at number 211.

The rest of New York State’s metropolitan areas weren’t far be-hind. Syracuse was number 209, Rochester was number 207, Buffalo-Niagara Falls was number 206, Albany-Schenectady-Troy was number 203, and Binghamton was number 200. The New York City region, including Northern New Jersey and Long Island; and the Poughkeepsie-Newburgh-Middletown areas had a slightly higher foreclosure rates, although still raking modestly among the rest of the nation at numbers 181 and 163 respec-tively.

Visit cnyREALTOR.com to learn more.

September-December 201110 NEWS cnyREALTOR.com

6 MONTHS at a GLANCEBLUE ITEMS ARE EDUCATIONAL OPPORTUNITIES (CE)

SEPTEMBER

NOVEMBER

DECEMBER

* held at GSAR

OCTOBER

JANUARY

FEBRUARY

1st-15th BJ’s Signups at GSAR5th GSAROfficeclosed-LaborDay7th CNYIS Board of Directors Meeting, 9:30a *8th GCL Group meeting 1:30p *8th GSAR Member Social, Wine Tasting, 2:30-4p *10-25th Parade of Homes, Inverness Gardens11-14th NYSAR Fall Business Meetings, Turningstone Resort14th Salesperson Licensing Course Starts 15th REALTOR Day at Parade of Homes, Inverness Gardens20th Fiscal Fitness Medicare Seminar 9-11a *20th Meeting for Admins at GSAR 12-1 *21st The Home Insp. Experience w/Tom Sherman 9a-12:30p *22nd GSAR Board of Directors Meeting, 2:30p *22nd Creative Financing w/Donovan Pieterse 9a-1p *27th Broker/Manager meeting at GSAR 2p *

6th GSAR Member Social, Donuts & Cider, 12-1:30p *6th Quality of Life Ser. “Get out what you put in” 1:30-2:30p *11,13-14 Agency, Ethics, Fair Housing w/Don Radke 8:30a-5p *12th CNYIS Board of Directors Meeting, 9:30a *18-19th GRI 402, 8:30a-5p *20th Voting begins for GSAR Direcor positions. Thru Nov. 2nd 25th Fair Housing,Easier than you Think w/Fran Carroll 9a-12p*27th GSAR Board of Directors Meeting, 2:30p *

2nd Voting ends for GSAR Director positions3rd GSAR Member Social, Gourmet Soups, 12-1:30p *3rd Quality of Life Ser. “Be Legal” 1:30-2:30p *11-14th NAR Conference & Expo. in Anaheim, CA15th Mandatory Ethics Class w/Don Radke 9a-1p *17th GSAR Board of Directors Meeting, 2:30p *30th ABC’s of Real Estate w/Fran Carroll 9a-12p *30th CNYIS Shareholders Meeting 3p *

1st GSAR Member Social, Chili Cookoff 12-1:30p *1st GCL Group meeting 1:30p *13th New Member Orientation Phase I 9a-5p *14th New Member Orientation Phase II 9a-12:30p *15th GSAR Holiday Cookie Exchange 2-4p *26th GSAROfficeclosed

13th Installation Gala at Doubletree


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N E W Y O R K S TAT E A S S O C I AT I O N O F R E A LT O R S®

Access. Advocacy. Education.

FREE LEGALHOTLINE

518.436.9727Authoritative legal information on a wide variety of real estate law issues.

We answer all your real estate legal questions for free!Monday – Thursday, 9 a.m. – 1 p.m.

NYSAR’s Legal Hotline does not provide a client-lawyer relationship.For confidential legal advice, consult an attorney.

“I don’t know what I’d do withoutNYSAR’s Legal Hotline! ...it provides immediate and accurate

answers to many questions...”Laurene Curtin, NYSAR member for 18 years

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Minimum credit scores apply. Not all applicants will qualify.

THIS INFORMATION IS NOT INTENDED OR AUTHORIZED FOR CONSUMER DISTRIBUTION. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Bank of America, N.A., Member FDIC.

Equal Housing Lender. © 2010 Bank of America Corporation. ARE3Q1C2 00-62-1628D 01-2011

Help your clients go from home shoppers to homebuyers with an FHA loan from Bank of America.FHA guidelines offer opportunities for qualified borrowers. These opportunities include:

• Down payments as low as 3.5% • Gift funds allowed • Fixed- and adjustable-rate loans available• Competitive rates

Help your clients get the mortgage they need from the bank they can rely on.Call Bank of America today and ask us how an FHA loan might help your buyers become homeowners.

Cicero BranchPhone: 315.233.5858Fax: 315.233.5836NMLS ID: 399802

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ABSTRACT COMPANIESAttainable Restorations, Inc. Terry Wood 469-5000Envision Abstract Anita Barone 468-1228 Stewart Title Insurance Co. Kimberly Allen 472-4761

ACCOUNTING, Tax & Payroll ServicesCNY Asset Management LLC Bradley O’Connor 263-4484The Terzolo Financial Group Ed Terzolo 484-1020

ADVERTISINGLamar Richard Ruch 422-6708Syracuse.com Michele Sardinia-Barker 251-1845The Post-Standard Marlene Williams 470-2041

APPRAISERSAccurate Real Estate Appraisal Jeremy Lockwood 413-5024Affiliated Appr.Service Thomas Perry 622-0496Advantage Appraisal Anne DeMore 683-5673Allen Appraisal David Allen 736-2020Allied American Co Nicholas Vescio Jr. 422-2806 Appr & Real Estate Srvc Nancy O’Connor 676-4117Apple Appraisal Group Thomas Galster 637-0790Appraisal Reports Jeff Davis 662-3428Appraisals Unlimited Sarah DuMond 492-2144Bear Appraisal Service Timothy Sayers 729-6892Bertonica Appraisal Services Frank Bertonica 214-0355Bollinger, Christopher Christopher Bollinger 637-2904Carney Appraisal Consultant Thomas P Carney 622-5091CI Appraisal Analytics Robert Banton 428-4545CNL Appraisal & Realty Svc, LLC Carmen Liberatore 622-3051CNY Appraisal Associates Greg Segar 422-1784Copeland & Copeland Walt Copeland 479-8889DRB Appraisal Services Derrick Burford 607-770-3822Emerald City Realty John LaVine 446-7624Essig Appraisal Association Steven Essig 699-4972Fidelity Appraisal Robert Riedl 655-1001Grady Appraisals Lawrence Fontana 427-8493H. Eric VanLeer, Appraisals H. Eric VanLeer 784-5620Haggerty Appraisal Services Mark Haggerty 468-3624Haskell-James Real Estate Patrick James 363-8720Home Appr. Srvc. Inc Christine Yaro 635-1304Integra Realty Resources William Kimball 422-5577J. Williams Appraisals James Williams 637-8988JEM Appraisals Jane Mostow 689-3926JT Appraisal Joyce S Taurisano 732-3583Keith Pylinski Appraisal Keith Pylinski 607-859-2929Kimball Appraisal Group, Inc David Beecher 422-5577Kirchmeyer & Associates Andrew Doherty 452-1555Liddell Appraisal Service Paul Liddell 768-6639Limestone Appr Ronald Bollinger 682-2888McKean-Owens John Owens 474-3701MJM Real Estate & Appraisals Michael Morrissey 468-6399Mercury Appraisals John Mody 424-1379Oak Hill Appraisals William J. Ryan Jr. 687-6275Onondaga County Appraisal Ser Barbara Emerson 446-0868 Patricia M Sturick Patricia Sturick 289-2640Patrick O’Connor Appraisals Patrick O’Connor 727-1441Pioneer Appraisal Matthew Haynes 607-756-1848PK Appraisals Jonnie Nickles 794-6503Petrocci Appraisal Michael Petrocci 487-3648Premier Appraisals of CNY Kimberly Lunderman 673-7155Residential Appraisal Srvc John LeClair 622-4369RPI Appraisal Charles Iannello 607-847-8288R.U.S.H. Appraisal Service Ralph Smaldon 336-0289Spinner Appraisals Susan C. Spinner 458-7139Successful Appr. Srvc. Edward J. Pfohl, Jr. 471-0510Surace Appraisal Assoc., Inc. Joseph J. Surace Jr. 337-0315Tarolli, John John W. Tarolli 488-6951The Dennison Company Ronald Dennison 453-7028Toole Appraisals James Toole 447-6312Wallace Appraisal Associates Art Wallace 457-6010Wicker Appraisal Associates Paul Wicker 471-8866Zalizniak Appraisal Victor Zalizniak 472-2771

ATTORNEYSAli, Pappas & Cox, PC Edwina Schleider 472-4481Germain & Germain LLP Neil Germain Esq. 422-0314Gilberti Stinziano Heintz & Smith P.C. Francis Stinziano 442-0100 Hill & Fischer, P.C. Seth A. Fischer 475-0000Jeffrey B. Davis Jeffrey Davis 478-1234Karp Law Offices Stephen Karp 458-5040Law Office of Robert Carter Robert Carter 701-2727Lang Law Office Vaughn D. Lang, Esq. 445-1831MacKenzie Hughes LLP Mark Wasmund 233-8214Mangano, Lucchesi & Collins Rocco Mangano 471-0065Meggesto, Crossett & Valerino LLP Edwina Schleider 471-1664Melvin & Melvin, PLLC David Jones 422-1311Priest Law Offices Ellen Priest 474-7401Sugarman Law Firm, LLP Maria Armstrong 362-8901

CLEANOUT & JUNK REMOVAL1-800-Got-Junk? Derek Zehr 408-6152Junk King Shendal Drake 565-4973RECYCALL John Farstler 423-0768

FINANCIAL PLANNING SERVICESCNY Asset Management LLC Bradley O’Connor 263-4484

FINANCIAL PLANNING SERVICES - continuedMerrill Lynch Raymond Yackel 424-0475Prudential Financial John Hayes 446-1515The Terzolo Financial Group Ed Terzolo 484-1020

HOME BUYERS/SELLERS SERVICES1-800-Got-Junk? Derek Zehr 408-6152Attainable Restorations Terry Wood 469-5000Bluemoon Enterprises of CNY Christene Covell 487-8832CRAL Contracting Craig Zinserling 671-6006Ehrlich Pest Control David DeMarin 472-6844Expert Chimney Services Jock Rotella 469-5004Greater Syr. Moving & Storage Jon Cleland 458-9080Home Builders/Remodelers of CNY Mary Thompson 463-6261Home Headquarters, Inc. Kerry Quaglia 474-1939Junk King Shendal Drake 565-4973Move In Condition Edaina Jeschke 479-6390Pelligra Transport Tom Fragola 479-5311RECYCALL John Farstler 423-0768Richard Foley Professional Tile Rick Foley 416-2800Ryan Homes Tom Peters 457-8942Servpro N&E Onon. & Osw. County Bob Moses 457-3432University Neighborhood Preserv. Joanne Stewart 476-5228

INSURANCEAFLAC Elizabeth Carney 218-6468Dominick Falcone Agency Inc David MacLachlan 422-6128Fiscal Fitness / Health Insurance Clark Gronsbell 477-1906Lattanzio Assoc. - Nationwide Rocco Lattanzio 252-9141Prudential Financial John Hayes 446-1515State Farm Insurance Chris Otis 458-5234

LEAD INSPECTORS/ASSESSORSA Best Home Inspection Thomas Francis 439-1103Home Insp.’s by the Fulmer Group Mark Fulmer 474-5776Morgan & Morgan Home Inspec. Will Morgan 422-0852Pillar to Post Greg Booth 424-9970Quality Home Inspection Vincent Domboski 638-0865

MEMBER SERVICESCommission Express of WNY Jason Musinger 585-271-7788DOSH Technology Partners Doug Phillips 579-4600Fiscal Fitness/Employee Benefits Clark Gronsbell 477-1906Greater Syr. Moving & Storage Jon Cleland 458-9080iZigg Mobile Marketing Victor Shattuck 243-0577J.B. Kane, Inc John Beardslee 451-7590Landforms Rick Percoco 518-692-0269NYSAR Sal Prividera 518-463-0300Pop-A-Lock of CNY Steven Kimmich 607-330-0300Talentude Training & Development Chuck Bartlett 458-8382The Professional Career Center Frank Duesel 432-1045USA Datanet Elizabeth Backus 579-7112

MOLDA Best Home Inspection Thomas Francis 439-1103A Total Home Inspection Mark Smith 698-8326American Bldg. Insp. & Training Co Joseph Mahr 432-5555Attainable Restorations, Inc. Terry Wood 469-5000Bob Builder Home Inspections Bob Hutchinson 830-2548Cornerstone Building Inspection David Hartpence 622-1698CRAL Contracting, Inc Craig Zinserling 671-6006Home Insp.’s by the Fulmer Group Mark Fulmer 474-5776Home Team Insp. Service John Baranick 252-7466Morgan & Morgan Home Inspec. Will Morgan 422-0852Pillar to Post Greg Booth 424-9970Quality Home Inspection Vince Domboski 415-6088Servpro N&E Onon. & Osw. County Bob Moses 457-3432

MORTGAGE COMPANIES/BANKS/PROGRAMS1st Priority Mortgage, Inc Rose Reiser 622-2111Alliance Bank, N.A George Sageer 699-5444AmeriCU Fred Pushlar 622-5447 x225 Bank of America Home Loans Joseph Proppe 233-5858Beacon Federal Cathy Rogers 433-0111CNY Mortgage Bankers Assoc Jeremy Thomas 888-691-0992Commonfund Mortgage Jane Cagwin 422-2325Empower Federal Credit Union Kelly Sherman 462-5000First Niagara Paula Dolan Graham 477-6064Fulton Savings Bank Kenneth Parrotte 592-3126Geddes Federal Savings Bill Hemmerlein 468-6281Home Funding Finders, Inc Carol Wink 701-1390 Homestead Financial Service Aleen Morris 445-2000HSBC Bank USA Margie Brown 484-5581HUNT Mortgage Thomas Ferrara 256-9327Key Bank John Petrus 470-5149Merrill Lynch Raymond Yackel 424-0475Met Life Home Loans Jeff Pinard 453-6805PARMCO Mortgage Co. Inc Bryan Parmley 682-4600Pathfinder Bank Reyne Pierce 207-8052Solvay Bank Louise Hoffmann 468-1661Syracuse Securities Paul Palladino 424-0218The Funding Source Phil La Tessa 434-9292University Neighborhood Preserv. Joanne Stewart 476-5228 Upstate Capital Jan Quitzau 432-5270Visions Federal Credit Union Megan Detrick 800-242-2120Wells Fargo Home Mortgage Gregory Fitts 454-9346Wilber National Bank Tim Bargelski 288-2017

NYS LICENSED HOME INSPECTORSA Best Home Inspection Thomas Francis 439-1103A Royal Home Inspection Karl Reiser 436-4750A Total Home Inspection Mark Smith 698-8326Absolute Home Inspection Thomas Sherman 673-1755Advanced Home Inspection Svc Don Archer 792-9029Alton Inspections, LLC Richard Alton 415-4847American Bldg. Insp. & Training Co Joseph Mahr 432-5555Ardent Home Inspections Annie-Laurie Hunter 481-4237Bob Builder Home Inspections Bob Hutchinson 830-2548Braga Home Inspection Christopher Braga 382-8650Casey’s Home Inspection James Casey, Jr. 569-5707Closer Look Home Insp. Michael Chapman 652-4975Central New York ASHI Robert Sterner 638-9458CNY NACHI Annie-Laurie Hunter 481-4237Cornerstone Building Inspection David Hartpence 622-1698Craftsman Home Inspection Peter Apgar 278-3143Dean Home Inspection Service Simon Dean 345-6726DGHI Dave Gambocarto 727-9909DiRaddo’s Home Inspection Svc. Ronald DiRaddo 445-1234Expert Building Inspections Jay M. Rotella 380-3294Foley Home Inspection Services John D. Foley 655-3701FullScope Home Inspection Inc. David Ferguson 395-1400G.F. Frost Construction, Inc Gary Frost 488-0950Greg Haley Home Inspection, LLC Greg Haley 559-6666HomePro of CNY Robert Sterner 638-9458Home Insp.’s by the Fulmer Group Mark Fulmer 474-5776Home Team Insp. Service John Baranick 252-7466Lloyd Hubbard Lloyd Hubbard 427-7691Morgan & Morgan Home Inspec. Will Morgan 422-0852Pillar to Post Greg Booth 424-9970Quality Home Inspection Vince Domboski 415-6088Ralph A. Garcea Jr. Home Ralph Garcea Jr 478-9185Robert Cooper, Home Inspector Robert Cooper 446-4258Safe Home Inspections Rudy Sapp 638-2382Smith Inspection Services, LLC Michael Smith 363-8074The Izzy Group Michael Isabell 561-9297Thomas A. Tyler Home Inspection Tom Tyler 453-2949

PEST INSPECTIONA Best Home Inspection Thomas Francis 439-1103A Total Home Inspection Mark Smith 698-8326Cornerstone Building Inspection David Hartpence 622-1698DGHI Dave Gambocarto 727-9909Greg Haley Home Inspection LLC Greg Haley 559-6666Home Insp.’s by the Fulmer Group Mark Fulmer 474-5776Pillar to Post Greg Booth 424-9970Quality Home Inspection Vince Domboski 415-6088Safe Home Inspections Rudy Sapp 638-2382The Home Team Insp. Service John Baranick 252-7466

PRINTING COMPANIESKinaneCO Greg Kinane 468-6201

PROPERTY MANAGEMENT CNY Asset Management LLC Bradley O’Connor 263-4484

RADON - Certified Mitigation:Bob Builder Home Inspections Bob Hutchinson 830-2548Smith Inspection Services, LLC Michael Smith 363-8074 RADON - NYSDOH Certified Testers:Absolute Home Inspection Tom Sherman 673-1755American Bldg. Insp. & Training Co Joseph Mahr 432-5555Ardent Home Inspections Annie-Laurie Hunter 481-4237Bob Builder Home Inspections Bob Hutchinson 830-2548Casey’s Home Inspection James Casey, Jr. 569-5707Closer Look Home Inspection Mike Chapman 652-4975Cornerstone Building Inspection David Hartpence 622-1698DGHI Dave Gambocarto 727-9909FullScope Home Inspection Inc. David Ferguson 395-1400Greg Haley Home Inspection Greg Haley 559-6666Home Insp.’s by the Fulmer Group Mark Fulmer 474-5776HomePro of CNY Robert Sterner 638-9458Home Team Insp. Service John Baranick 252-7466Morgan & Morgan Home Inspec. Will Morgan 422-0852Radon Solutions of CNY Gary Morrissette 754-8187Safe Home Inspections Rudy Sapp 638-2382Smith Inspection Services, LLC Michael Smith 363-8074Thomas A. Tyler Home Inspection Tom Tyler 453-2949

TITLE SERVICESMacKenzie Hughes LLP Mark Wasmund 233-8214Stewart Title Insurance Co. Kimberly Allen 472-4761

WEBSITE SERVICESDOSH Technology Partners Doug Phillips 579-4600

GSAR Sponsors


2011 GSAR Affiliate Members

Do you know someone interested in becoming an Affiliate member of GSAR? Please contact Katie at 457-5979 ext.27


N E W Y O R K S TAT E A S S O C I AT I O N O F R E A LT O R S®

Access. Advocacy. Education.

FREE LEGALHOTLINE

518.436.9727Authoritative legal information on a wide variety of real estate law issues.

We answer all your real estate legal questions for free!Monday – Thursday, 9 a.m. – 1 p.m.

NYSAR’s Legal Hotline does not provide a client-lawyer relationship.For confidential legal advice, consult an attorney.

“I don’t know what I’d do withoutNYSAR’s Legal Hotline! ...it provides immediate and accurate

answers to many questions...”Laurene Curtin, NYSAR member for 18 years

26309-0351 Legal_4x4.75_BW 11/4/10 2:17 PM Page 1

Minimum credit scores apply. Not all applicants will qualify.

THIS INFORMATION IS NOT INTENDED OR AUTHORIZED FOR CONSUMER DISTRIBUTION. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Bank of America, N.A., Member FDIC.

Equal Housing Lender. © 2010 Bank of America Corporation. ARE3Q1C2 00-62-1628D 01-2011

Help your clients go from home shoppers to homebuyers with an FHA loan from Bank of America.FHA guidelines offer opportunities for qualified borrowers. These opportunities include:

• Down payments as low as 3.5% • Gift funds allowed • Fixed- and adjustable-rate loans available• Competitive rates

Help your clients get the mortgage they need from the bank they can rely on.Call Bank of America today and ask us how an FHA loan might help your buyers become homeowners.

Cicero BranchPhone: 315.233.5858Fax: 315.233.5836NMLS ID: 399802

GSAR5958 East Taft RoadNorth Syracuse, NY 13212

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PAIDSYRACUSE, NY

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GSAR September - December 2011