Peninsula REALTOR® April 2018
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<strong>Peninsula</strong><strong>REALTOR®</strong><br />
Digital Magazine<br />
The Official Publication of<br />
the Virginia <strong>Peninsula</strong> Association of REALTORS®<br />
<strong>April</strong> <strong>2018</strong>
<strong>Peninsula</strong>Partners<br />
of the Virginia <strong>Peninsula</strong> Association of REALTORS®<br />
THANK YOU TO OUR<br />
<strong>2018</strong> PENINSULA PARTNERS<br />
OVER THE YEARS WE HAVE<br />
DEVELOPED A SPECIAL<br />
PARTNERSHIP WITH MANY OF<br />
OUR AFFILIATE MEMBERS WHO<br />
HAVE GIVEN SO MUCH FOR OUR<br />
MEMBERS AND ASSOCIATION!<br />
<strong>Peninsula</strong>Partners<br />
FORM A GROUP OF LOYAL, HARD<br />
WORKING AFFILIATE MEMBERS<br />
WHO<br />
SUPPORT THE GROWTH AND PRO-<br />
MOTION OF THE ASSOCIATION<br />
AND<br />
<strong>REALTOR®</strong> ASSOCIATION MEMBER-<br />
SHIP<br />
<strong>Peninsula</strong>Partners<br />
ATTEND ASSOCATION ACTIVITIES<br />
AND EVENTS VOLUNTEER TO SUP-<br />
PORT THE ASSOCIATION PROMOTE<br />
ASSOCIATION ACTIVITIES SPON-<br />
SOR ASSOCIATION PROGRAMS AND<br />
EVENTS<br />
INTERESTED IN JOINING<br />
<strong>Peninsula</strong>Partners in <strong>2018</strong><br />
click here<br />
for a <strong>2018</strong> Partner PrograM Brochure<br />
& Application.<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 2<br />
<strong>April</strong> <strong>2018</strong>
<strong>Peninsula</strong><strong>REALTOR®</strong><br />
Digital Magazine<br />
The Official Publication of<br />
the Virginia <strong>Peninsula</strong><br />
Association of REALTORS®<br />
<strong>2018</strong> Officers & Directors<br />
President<br />
Carl Burt<br />
President-Elect<br />
Carla Graves Carney<br />
Treasurer<br />
Sandra Hood<br />
Immediate Past President<br />
Chandra Patterson<br />
Directors<br />
Eugenia Jackson<br />
Valarie Miller<br />
Kaera Mims<br />
Lindsay Pennington<br />
Stephenie Shanks<br />
Peggy Todd<br />
Adam Triplett<br />
CEO<br />
Jim Wetzel, RCE<br />
Advertising Policy<br />
While this magazine makes reasonable effort to establish<br />
the integrity of its advertisers, it does not endorse advertised<br />
products or services unless specifically stated. The<br />
publisher reserves the right to reject any advertisement<br />
at anytime. Advertisements refused may include, but are<br />
not limited to, those that are legally questionable, that may<br />
support products or services of questionable standards, or<br />
that are inconsistent with the high professional standard<br />
of the Code of Ethics of the Association. Advertising is open<br />
to <strong>REALTOR®</strong> members, member firms, affiliate members<br />
and non-members. Product advertising is limited to residential<br />
subdivisions, commercial, or industrial units and<br />
real estate related products and services, excluding personal<br />
listings.<br />
Equal Opportunity Policy<br />
VPAR is pledged to the letter and spirit of U.S. policy for<br />
the achievement of equal housing opportunity. The Association<br />
encourages and supports an affirmative advertising<br />
and marketing program in which there are no barriers to<br />
obtaining housing because of race, color, elderliness, religion,<br />
sex, handicap, familial status, or national origin.<br />
Notice<br />
VPAR does not fix, control, recommend, suggest, or maintain<br />
commission rates or fees for services<br />
rendered by cooperating members or non-members.<br />
Publication Editor<br />
Jim Wetzel, RCE<br />
Chief Executive Officer<br />
Virginia <strong>Peninsula</strong> Association of REALTORS®<br />
1001 North Campus Parkway<br />
Hampton, VA 23666<br />
t. (757) 599-5222<br />
f. 757-596-3911<br />
jimwetzel@vpar.org<br />
Cindy Anderson<br />
Director of Member Services<br />
Jo McNamara<br />
Education Director & Event Planner<br />
<strong>Peninsula</strong><strong>REALTOR®</strong> is published monthly by<br />
Virginia <strong>Peninsula</strong> Association of REALTORS® as a<br />
service to its membership.<br />
Virginia <strong>Peninsula</strong> Association of REALTORS®,<br />
“The Voice for Real Estate on the Virginia <strong>Peninsula</strong>,”<br />
is your local association of REALTORS®<br />
representing over 1200 local <strong>REALTOR®</strong> members<br />
and affiliates.<br />
As members of America’s largest trade association,<br />
The National Association of REALTORS® together<br />
we represent over 1.1 million members, including<br />
NAR’s institutes, societies and councils, involved in<br />
all aspects of the residential and commercial real<br />
estate industries.<br />
Our membership is composed of residential and<br />
commercial REALTORS®, who are brokers, salespeople,<br />
property managers, appraisers, counselors<br />
and others engaged in all aspects of the real estate<br />
industry.<br />
The term <strong>REALTOR®</strong> is a registered collective<br />
membership mark that identifies a real estate<br />
professional who is a member of the National Association<br />
of REALTORS® and subscribes to its strict<br />
Code of Ethics.<br />
Cover: FAIR HOUSING MAKES US STRONGER<br />
COMMEMORATING 50 YEARS OF T FAIR HOUS-<br />
ING ACT<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 3<br />
<strong>April</strong> <strong>2018</strong>
Support VPAR Affiliate Members<br />
1st Advantage Fed Credit Union, Deborah Falin (757) 877-2444<br />
2-10 Home Buyers Warranty, Sheryll Pyle, (757) 266-9237<br />
Alpha Pest Solutions, Sindi Rowell, (757) 873-4999<br />
Amerispec of Hampton Roads, Joseph Helmsderfer, (757) 927-0891<br />
Atlantic Bay Mortgage, Kim Niccum, (757) 874-6040<br />
BB & T Mortgage of Virginia, Donna Davis, (757) 873-6001<br />
Blue Heron Title Co. LLC, Raquel Linger, (757) 599-3333<br />
Building Specs Property Inspec, R. Scot Tully, (757) 223-9673<br />
C&F Mortgage Corporation, Mary Rebholz Finch, (757) 873-8200<br />
Charles Powell Allstate, Charles Powell, (757) 826-8900<br />
Clever Upgrade RE Photography, Mykella Palmer-McCalla, (757) 655-1386<br />
Coleman & Coleman, PLC, Donnie Coleman, (757) 965-8482<br />
Coleman World Wide Moving/Allied, David Carter, (757) 827-6225<br />
Colonial Exterminating Co., Kimberly Beckett, (757) 599-0889<br />
Craftsman Home Inspection, LLC, Bryan Fujimoto, (757) 775-5375<br />
Creative Chameleon Media, Karen Lawson, (804) 694-7586<br />
E.T. Lawson & Son, Inc., Nancy Allen, (757) 722-1928<br />
First American Home Warranty, Blair Hoskins, (757) 335-1664<br />
Flemings Awards & Promotional, Fleming Buck, (757) 229-5688<br />
Fulton Mortgage Company, Ryan Mutter, (757) 223-4330<br />
Hanger Law, Mark Stevenson, (757) 351-1510<br />
HD Exterminating and Inspection, Josh Diggs, (804) 384-7831<br />
HH Hunt Homes, Chelsea Ernst, (757) 643-0306<br />
HMS Home Warranty, Amy Holloway, (800) 843-4663<br />
Home Warranty of America, Tina Carneal-Flowers, (757) 675-1185<br />
Johnson Mortgage Company LLC, Allen Barber, (757) 873-1287<br />
Jones Family Insurance Services, Katy Jones, (757) 617-7771<br />
Jones, Blechman, Woltz & Kelly, Herbert Kelly, Jr., Esq., (757) 873-8000<br />
Kaufman & Canoles, P.C., Mark Short, (757) 873-6351<br />
Lytle Title & Escrow, LLC., Heather Fuller, (757) 643-7899<br />
Mares Exterminating Co LLC, Thomas Mares, (757) 868-4898<br />
Miller, Walsh, Kutz & Laster, PLC, Julianne Cyr, (757) 595-0123<br />
Moore, D. Wayne, Esq., D. Wayne Moore, (757) 873-7700<br />
Movement Mortgage, Nathan Techanchuk, (757)301-7443<br />
MW McFall Inc - Real Estate Book, Bill McFall (757) 873-6731<br />
National Exterminating Co., Anna Wolpert, (757) 599-3621<br />
Navy Federal Credit Union, Karen Arient, (877) 573-2324<br />
Newtowne Mortgage, Sarah Stedfast, (757) 727-0266<br />
Old Point Mortgage, LLC, Sherry Thacker, (757) 251-2785<br />
Old Republic Home Protection, Brett Cole, (757) 202-3865<br />
Omni Title and Escrow, Britney Maddux, (757) 223-8729<br />
OVM Financial Inc., Adam Newman, (757) 713-2600<br />
<strong>Peninsula</strong> Property Inspections, Andy Call, (757) 846-4791<br />
<strong>Peninsula</strong> Title Company, Robin McArthur, (757) 595-2536<br />
PESTOUT, Glenn Workman, (757) 223-9902<br />
Pillar to Post Home Inspectors, Cathi Lynch, (757) 564-4454<br />
Primary Residential Mortgage, Inc., Lori Marrow (757) 273-8516<br />
PrimeLending, Mike Hartnett, (757) 368-9910<br />
Prosper Insurance Group, Jessica Whitt, (757) 344-5929<br />
Prosperity Home Mortgage, Kevin Hull, (757) 490-9200<br />
Pro-Tech Exterminating, Inc, Bob Herget, (757) 224-1339<br />
REIN, Joan Griffey, (757) 531-7900<br />
Reliance Pest & Termite,Inc., Wayne Kessinger, (757) 485-5005<br />
Shaheen Law Firm, Jon Brodegard, (757)369-2831<br />
Staged 2 Sell, Therese Robinson, (757) 344-5322<br />
State Farm - Dayton Wiese, Dayton Wiese, (757) 968-5757<br />
Suntrust Mortgage, Julie Davis, (757) 873-7922<br />
Terry Peterson Residential , John Peterson, (757) 460-1770<br />
The Daily Press, Jennifer Cunnison, (757) 247-4891<br />
Tidewater Home Funding, Gee Horton, (757) 223-9494<br />
TowneBank Mortgage, Alexandra Bain, (757) 687-5000<br />
U.S. Inspect , Inc., Kevin Salva, (757) 254-2960<br />
VHDA, Janice Burgess, (800) 227-8432<br />
Virginia <strong>Peninsula</strong> Chamber, Michael Kuhns, (757) 325-8170<br />
Virtual Tidewater, Rosalind Boyle, (757) 880-6422<br />
Wells Fargo Home Mortgage, Dawn Westman, (757) 873-3308<br />
REALTORS® prefer working with people they know !<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 4<br />
<strong>April</strong> <strong>2018</strong>
Empowering<br />
Your Passion<br />
For Real Estate<br />
CONFIDENCE – REIN safeguards market information and enforces<br />
rules that govern participation, allowing agents to do their jobs with a<br />
confidence that would not otherwise exist.<br />
CONNECTIONS – REIN creates connections between professionals with<br />
properties to sell and those with clients who may buy them. It is the<br />
platform on which those who make transactions happen come together.<br />
COMMUNITY – REIN is a dynamic community of professionals. The<br />
magic lies in competitors working together to create a healthy, efficient<br />
marketplace.<br />
www.REINMLS.com<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 5<br />
<strong>April</strong> <strong>2018</strong>
Presidents Message<br />
By Carl Burt, <strong>2018</strong> President<br />
<strong>April</strong> <strong>2018</strong><br />
An old saying I remember<br />
when I was<br />
growing up was <strong>April</strong><br />
showers bring May<br />
flowers. The month<br />
of <strong>April</strong> <strong>2018</strong> is upon<br />
us and I hope <strong>April</strong><br />
showers each of you<br />
with good health and<br />
prosperity.<br />
During the month of March many people were<br />
starting spring cleaning, preparing NCAA men<br />
and women college basketball brackets. If<br />
your brackets were like mine it was busted in<br />
the first round. But that’s life, can’t win them<br />
all, right!<br />
Congratulations to all of the Outstanding<br />
Salesmanship Club (OSC) Award winners.<br />
The awards were presented at the Marriott<br />
Hotel, City Center, Newport News, Va. It was<br />
indeed an evening filled with Glitz and Glamor.<br />
Thanks to all sponsors who helped to make<br />
the award banquet a very special and memorable<br />
event for everyone. A special thanks to<br />
the VPAR Banquet Committee for planning<br />
and implementing an outstanding and fun<br />
filled evening.<br />
The Professional Development Committee<br />
organized and coordinated an excellent Lunch<br />
and Learn on Cyber Security by Shaheen Law.<br />
The Lunch and Learn was interesting and<br />
informative. I would encourage VPAR members<br />
to review the training calendar and plan<br />
to attend topics of personal and professional<br />
interest.<br />
During March our Virginia Realtors provided<br />
required Ethics training for our VPAR Board of<br />
Directors and other members and leaders.<br />
The VPAR RPAC Committee’s Shooting Hoops<br />
for RPAC held at Traditions on March 22,<br />
<strong>2018</strong> was a fun filled evening as we supported<br />
RPAC, networked, dined, toured the brewery<br />
and enjoyed refreshments. A special thanks<br />
to the VPAR RPAC Committee for organizing a<br />
great event.<br />
<strong>April</strong> is Fair Housing Month and VPAR is<br />
partnering with NAREB to commemorate<br />
the 50th Anniversary of the passing of the<br />
1968 Fair Housing Act. The Virginia <strong>Peninsula</strong><br />
Association of Realtors <strong>April</strong> 17th, <strong>2018</strong><br />
General Membership Meeting will focus on the<br />
significance of this historical event. We have<br />
an informative agenda planned for our membership.<br />
The Chief Deputy Attorney General<br />
Cynthia Hudson of the State of Virginia will be<br />
our speaker for the meeting. Please come out<br />
and support your association as we reflect on<br />
our historical past while looking forward to<br />
an even brighter future.<br />
Invitations have been extended to our Legislative<br />
representatives, area Realtors Associations<br />
and other guests have been invited to<br />
attend our membership meeting. We will<br />
provide some brief legislative and association<br />
updates during our meeting.<br />
On <strong>April</strong> 6th, <strong>2018</strong> from 9:00am – 4:00pm<br />
the Virginia Residential Landlord Tenant Act<br />
course will be conducted at VPAR in Training<br />
Rooms A&B. See you there!<br />
Carl D. Burt, <strong>2018</strong> VPAR President<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 6<br />
<strong>April</strong> <strong>2018</strong>
FAIR HOUSING MAKES US STRONGER<br />
Please join us to<br />
Commemorate 50 Years of the Fair Housing Act<br />
Save the Date - <strong>April</strong> 17th<br />
VPAR General Membership Breakfast<br />
1001 North Campus Parkway, Hampton, VA 23666<br />
Special Edition<br />
A Celebration of Champions<br />
Join with our State and Local Partners and Allies in this Commemoration of the<br />
50th Anniversary of the Fair Housing Act.<br />
With guest speaker<br />
Cynthia Hudson<br />
Chief Deputy Attorney General for the Commonwealth of Virginia<br />
The Commemoration will focus on three key elements of Fair Housing:<br />
Acknowledging the organization’s past role in the fight for fair housing;<br />
Understanding how we as a nation are constantly improving our commitment to fair<br />
housing; and Embracing REALTORS®’ and REALTISTS' role at the forefront of advancing<br />
fair housing, leading efforts to address community fair housing issues.<br />
8:30 am Registration & Breakfast<br />
9:00 am- 11 am Commemoration Program<br />
$15.00 Members/$25 NonMembers<br />
Please register at members.vpar.org<br />
Or email jo@vpar.org<br />
Program Sponsored By<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 7<br />
<strong>April</strong> <strong>2018</strong>
The Virginia <strong>Peninsula</strong> Association of REALTORS ®<br />
<strong>2018</strong> VRLTA Update with Chip Dicks<br />
Get the information you need on the updated<br />
Virginia Residential Landlord Tenant Act<br />
Friday, <strong>April</strong> 6th, <strong>2018</strong><br />
9:00 a.m. – 4:00 p.m.<br />
_________________<br />
$125.00 per member<br />
$130.00 per non-member<br />
LUNCH IS INCLUDED<br />
• Get up to speed on the recent changes to the Virginia Residential<br />
Landlord and Tenant Act.<br />
• Designed for both real estate brokers and sales persons, this<br />
course offers a detailed review of lease applications<br />
• A “how to” guide for broker agent compliance<br />
• The awareness and information<br />
• you need to protect your business<br />
Generously Sponsored By<br />
Chip Dicks,<br />
FutureLaw,<br />
LLC<br />
TUESDAY, APRIL 24TH, <strong>2018</strong> 12 – 1:30 P.M.<br />
HARD KNOCK LESSONS<br />
OF REAL ESTATE!<br />
FREE LUNCH & LEARN SEMINAR<br />
PANEL DISCUSSION ON LESSONS LEARNED:<br />
• Barbara Wells, 2017 Rookie of the Year,<br />
Liz Moore & Associates<br />
• Charles Holloway, Keller Williams Elite<br />
• Cristina Williams, Rose & Womble Realty<br />
• Garrett Maroon, Liz Moor & Associates<br />
• Sabrina Hack, Almond & Hack Realty<br />
Towne Bank Mortgage will provide lunch!<br />
REGISTER AT MEMBERS.VPAR.REALTOR OR CALL 757-599-5222<br />
Lunch is Sponsored by:<br />
What was your<br />
best lesson<br />
learned in your<br />
1 st year?<br />
What is their<br />
secret to<br />
success?<br />
Best apps or tech<br />
tips<br />
Hear their tips<br />
for success!<br />
Time management<br />
tools!<br />
VPAR<br />
1001 North Campus Pkwy.<br />
Hampton, VA 23666<br />
757-599-5222<br />
members.vpar.realtor<br />
Tuesday, <strong>April</strong> 24 th ,<strong>2018</strong><br />
FREE TO ATTEND!<br />
Sponsorship Opportunities Now Available call 757-599-5222!<br />
VRLTA Update with Chip Dicks – <strong>April</strong> 6 th , <strong>2018</strong><br />
CE credits Virginia pending. <strong>Peninsula</strong> Approved Association in 2017 for 3 of Hours REALTORS®<br />
Legal Update & 3 Hours Real Estate Related<br />
CE and 2<br />
Technology<br />
hours Trends<br />
Committee<br />
and Current<br />
Lunch<br />
Issues<br />
&<br />
for<br />
Learn<br />
PL. Will be submitted for approval in <strong>2018</strong> at the<br />
end of the general assembly session to include changes in the VRLTA.<br />
HOW TO BE APP SAVVY – working your mobile<br />
NAME: office from your phone efficiently! FIRM:<br />
ADDRESS:<br />
Friday, <strong>April</strong> 27 th<br />
CITY: STATE:<br />
FREE TO ATTEND &<br />
ZIP:<br />
PHONE:<br />
E-MAIL: LUNCH INCLUDED!<br />
NOON – 1:00 PM<br />
Method of Payment:Check ____ Visa MasterCard____ Discover___ AMX____<br />
Credit Card #<br />
INSTRUCTED BY:<br />
<strong>REALTOR®</strong> Amanda<br />
Exp. date<br />
Signature<br />
Walsh Patierno<br />
(Your signature indicates acceptance of VPAR registration AMW policy Real and Estate authorization of credit card charges.)<br />
Name on credit card_______________________________________<br />
Members Register online at members.vpar.realtor<br />
Email: jo@vpar.org or Call: 757-599-5222<br />
*Learn Cancellations what apps must you be received should within have 48 and hours how of to the use event to receive full refund.<br />
On-site registration fee is $135<br />
them<br />
Please notify us in advance if you have a disability that requires special services.<br />
*Learn how to utilize HomeSnap, RPR & GoMLS<br />
Register at members.vpar.realtor, call us at 599-<br />
5222 or email jo@vpar.org<br />
SPONSORED BY:<br />
VPAR NIGHT<br />
AT<br />
ART AFTER<br />
DARK<br />
THURSDAY, MAY 3 RD<br />
6:00 - 8:00 P.M.<br />
Cash Bar, Food Truck &<br />
the Dan Pelegrino Band.<br />
PFAC sponsor:<br />
ART AFTER DARK<br />
LOCATION:<br />
1001 North Campus Parkway<br />
Hampton, VA 23666<br />
Phone : 757-599-5222<br />
www.vpar.realtor<br />
<strong>Peninsula</strong> Fine Arts<br />
Center<br />
101 Museum Drive,<br />
Newport News<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 8<br />
<strong>April</strong> <strong>2018</strong>
The Virginia <strong>Peninsula</strong> Association of<br />
REALTORS® presents…<br />
GRI Course Module 502<br />
Sales Contracts<br />
CE/PL Approved: 6 hours real estate contracts for CE; 6 hours contract writing for PL<br />
Thursday,<br />
May 3, <strong>2018</strong><br />
9:30 a.m. – 4:30 p.m.<br />
Classroom Course<br />
Instructor: Doug Wolfe<br />
https://www.virginiarealtors.org/formembers/education/gri-realtor-institute/<br />
VPAR Headquarters<br />
Training Room A<br />
1001 North Campus Parkway<br />
Hampton, VA 23666<br />
Pricing: $90<br />
Last day to register is <strong>April</strong> 26th<br />
Additional certification requirements are necessary for the GRI<br />
designation.<br />
Must meet minimum to hold the class.<br />
Members primarily involved in residential real estate wanting to increase their knowledge and skills in a broad array of technical<br />
subjects and the fundamentals of real estate participate in the <strong>REALTOR®</strong> Institute, Graduate program to earn the GRI designation.<br />
The program also provides opportunities to develop important business contacts. The GRI is a nationally recognized designation of<br />
the National Association of Realtors®.<br />
REGISTRATION FORM<br />
Name___________________________________________________________ FIRM______________________________________<br />
Address________________________________________________________<br />
Email___________________________________________________________<br />
CSZ_______________________________________<br />
Phone_____________________________________<br />
License #_______________________________________________________<br />
Check payable to VPAR for $____________________________________<br />
Credit Card #___________________________________________________<br />
Name on Card_____________________________<br />
Amount_____________________ Expiration___________________ Signature__________________________________<br />
QUESTIONS? CALL Jo McNamara at 757-599-5222 jo @vpar.org<br />
You must be a <strong>REALTOR®</strong> to hold this designation. Other classes and other requirements are necessary to receive the designation. Students who<br />
arrive more than 15 minutes late or who leave early will not receive credit for the designation nor for CE/PL. Students who withdraw from a course<br />
in writing at least forty-eight hours prior to the start of the course will receive a refund less a $30.00 administrative fee.<br />
Failure to notify our school (VPAR’s <strong>Peninsula</strong> Real Estate School) in writing at least forty-eight (48) hours prior to the start date will result in<br />
registration fees being classified as non-transferable and non- refundable.<br />
Please notify us in advance if you have a disability that requires special services.<br />
<strong>Peninsula</strong> Real Estate School<br />
Owned and operated by the<br />
Virginia <strong>Peninsula</strong> Association of REALTORS®<br />
8 - Hour Broker<br />
Management CE Course<br />
<strong>Peninsula</strong> Real Estate School<br />
owned and operated by<br />
Virginia <strong>Peninsula</strong> Association of REALTORS ®<br />
<strong>2018</strong> Continuing Education Classes<br />
Location<br />
VPAR Building<br />
1001 North Campus Parkway<br />
Hampton, VA 23666 757-599-5222<br />
Location<br />
VPAR Building<br />
1001 North Campus<br />
Parkway, Hampton 23666<br />
Time for ALL Classes<br />
Module I: 8:30 a.m. - 12:30 p.m.<br />
Module II: 1:30 p.m. - 5:30 p.m.<br />
Price<br />
$30 per module for Members<br />
$35 per module for Non-Members<br />
Payment MUST be made at time of registration. Register online at members.vpar.realtor<br />
and click on Member Service Center to login or complete this form and fax to 757-596-3911<br />
or email to: jo@vpar.org. VPAR reserves the right to cancel a class if less than 10 people<br />
are registered. Students must give 48 business hours notice of cancellation for a full refund.<br />
* Please notify us in advance if you have a disability that requires special services.<br />
Module I & II <strong>2018</strong> Class Schedule<br />
Tuesday, Feb. 13<br />
Tuesday, August 14<br />
Module I<br />
Module I<br />
Module II<br />
Module II<br />
Tuesday, June 19<br />
Tuesday, December 18<br />
Module I<br />
Module I<br />
Module II<br />
Module II<br />
Broker Management Module I<br />
Understand the importance of keeping pace with emerging<br />
trends in the real estate business now and in the future.<br />
Recognize the power that the consumer holds in the marketplace<br />
and that real estate companies must adjust to today’s consumer<br />
driven business.<br />
Discuss changes that have impacted today’s real estate businesses<br />
and the job of managers and changes that could challenge<br />
both in the future.<br />
Broker Management Module II<br />
Building Your Offense * Communications<br />
Issues and Policies<br />
Insuring Against Risk<br />
* RESPA<br />
Dispute Resolution<br />
* Fair Housing<br />
Property Disclosures<br />
* Controlled Business<br />
Anti trust<br />
Arrangements<br />
Payment MUST be made at time of registration. Register online at<br />
members.vpar.realtor and click on Member Service Center to register,<br />
fax to 757-596-3911 or email to: jo@vpar.org. VPAR reserves the right<br />
to cancel a class if less than 10 people are registered. Students must give<br />
48 hours notice of cancellation for a full refund. Please notify us in advance<br />
if you have a disability that requires special services.<br />
Registration Form<br />
Complete form and fax to 757-596-3911.<br />
Payment MUST be made at time of registration.<br />
Name:<br />
Address:<br />
City/Zip<br />
Phone:<br />
Email:<br />
License #<br />
Exp. Date:<br />
Method of Payment<br />
Check<br />
Master Card<br />
Visa<br />
Discover Card<br />
AmEx<br />
Bill office<br />
Credit Card #:<br />
Exp. Date:<br />
Signature:<br />
VPAR Member: $30 Non-Member: $35<br />
Per Module<br />
Per Module<br />
Name<br />
Company<br />
Address<br />
City<br />
Zip<br />
Email<br />
License #<br />
Exp. Date<br />
Registration Form<br />
Phone<br />
_<br />
Method of Payment<br />
State<br />
______<br />
Check<br />
Invoice Office<br />
Visa<br />
MasterCard<br />
AMX<br />
Discover Card<br />
Name on Card: ____________________________<br />
Credit Card #<br />
_____<br />
Exp. Date<br />
Signature<br />
_____<br />
Name on Card: _________________________<br />
Amount Due (check appropriate box)<br />
8-Hour Course VPAR Member $55<br />
8-Hour Course Non-Member $60<br />
8-HR Required CE Class Dates<br />
Thursday, Jan 11 Thursday, July 12<br />
Tuesday, Feb 6 Tuesday, Aug 7<br />
Tuesday, Mar 6 Thursday, Sept 13<br />
Thursday, Apr 12 Thursday, Oct 11<br />
Thursday, May 10 Tuesday, Nov 6<br />
Tuesday, June 5 Thursday, Dec 6<br />
All 8 Hour Classes are from 8:30 a.m.—5:30 p.m.<br />
Code of Ethics (Meets NAR Quadrennial<br />
Requirements) & Code of Conduct<br />
Fair Housing<br />
Legal Updates & Emerging Trends (Law)<br />
Flood Insurance & Flood Map Instruction<br />
Real Estate Contracts<br />
Real Estate Agency<br />
<br />
8-HR Elective CE Class Dates<br />
Thursday, March 15 Thursday, Sept. 6<br />
Thursday, May 17 Thursday, Dec. 13<br />
*Anti-Trust<br />
*Disclosures<br />
*Professionalism *Safety<br />
*Do-Nots<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 9<br />
<strong>April</strong> <strong>2018</strong>
Membership Update<br />
By Cindy Anderson, Director of Membership<br />
WELCOME NEW REALTORS®<br />
Karen Benson, Coldwell Banker Traditions, LLC<br />
Robin Bykowski, Abbitt Realty Company LLC<br />
Katie Cash, Amanda M. Walsh Real Estate<br />
Monique Claytor, Keller Williams Elite - Pen<br />
Emily Krikorian, RE/MAX <strong>Peninsula</strong><br />
Krissie Launsbach, Abbitt Realty Co, LLC<br />
Craig Lundgren, Greg Garrett Realty<br />
Brittany Personne, Almond & Hack Realty LLC<br />
Kristen Poteat, Abbitt Realty Co, LLC<br />
Michael Rose, Mid-Atlantic Residential<br />
Shalayne Tucker, Keller Williams Elite - Pen<br />
Christa Vaughn, Almond & Hack Realty LLC<br />
Alfredia Williams, Golston Real Estate Inc<br />
RECENT TRANSFERS<br />
Patricia Coaker, Fathom Realty<br />
Luke Jeffery, Keller Williams Elite - Pen<br />
Phillip Jones, Allied BELLKEY Realty<br />
Cynthia Melton, Rose & Womble Realty Company<br />
Patrick Simmons, Howard Hanna-William E. Wood<br />
Yolanda Simmons, Howard Hanna-William E. Wood<br />
Tinsley Mollie, Abbitt Realty Company LLC<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 10<br />
<strong>April</strong> <strong>2018</strong>
Programs & Events Update<br />
By Joanne “Jo” McNamara, Director of Education &<br />
EDUCATION<br />
8 Hour Required CE Course<br />
Tuesday, March 6th<br />
$55 for members/ $60 for non-members.<br />
8 Hour Elective CE Course<br />
Tuesday, March 15th<br />
$55 for members/ $60 for non-members.<br />
8 Hour Broker Manager CE Course<br />
Tuesday, June 19th<br />
Module I & II<br />
$60 for members and $70 for non-members<br />
Check your education credits here<br />
Register for classes at members.vpar.realtor or email me!<br />
Walk-ins are allowed!<br />
CLASS HOURS: 8:30 A.M. – 5:00 P.M.<br />
Call Jo McNamara at 757-599-5222 ext. 2521 for more information.<br />
Save the Dates for Upcoming<br />
<strong>2018</strong> Programs & Events:<br />
<strong>April</strong> 6th <strong>2018</strong> VRLTA Update with Chip Dicks<br />
<strong>April</strong> 9th - New Member Indoctrination<br />
<strong>April</strong> 17th - General Membership Breakfast - Fair Housing Act 50th Commemoration<br />
<strong>April</strong> 27th - Lunch & Learn - How to Be App Savvy Lunch & Learn<br />
May 9th - Day Court - Broker Supervision & Best Practices<br />
May 11th - VPAR Charitable Foudation Annual Golf Classic at Kiln Creek<br />
May 14-19th - NAR REALTORS® Legislative Meeting, Washington, DC<br />
June 4th - New Member Indoctrination<br />
June 19th - General Membership Breakfast<br />
August 13th - New Member Indoctrination<br />
September 18th - VPAR <strong>REALTOR®</strong> Fest Trade Show<br />
September 25-27th - Virginia REALTORS Annual Conference, Norfolk<br />
October 1st - New Member Indoctrination<br />
October 15th - VPAR Election Day<br />
October 16th - General Membership Breakfast<br />
Oct 31st-Nov 5th - NAR REALTORS® Conference, Boston, MA<br />
November 16th - VPAR Installation & Annual Awards Banquet<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 11<br />
<strong>April</strong> <strong>2018</strong>
VPAR Charitable Foundation<br />
Robert “Sully” SullivanVPAR Charitable Foundation, President<br />
THE DATE IS SET AND WE<br />
NEED YOU !<br />
What is it we need you ask? Simply<br />
anyone who likes to golf or support<br />
those who do play golf all the while<br />
raising monies for local housing related<br />
charities. YES! The annual VPAR Golf<br />
Tournament is back and promises to be<br />
bigger and better than ever.<br />
WHAT: VPAR FOUNDATION ANNUAL<br />
CHARITY GOLF TOURNAMENT<br />
WHEN: FRIDAY MAY 11TH<br />
WHERE: KILN CREEK GOLF<br />
COURSE (TEE TIME 12:00)<br />
For the golfers we will once again have<br />
three flights of winners and closest<br />
to the pin and longest drive for men,<br />
ladies and seniors. We will additionally<br />
have our raffle and other contest on the<br />
course.<br />
We are very grateful for all of our sponsors.<br />
Any and all levels of sponsorship<br />
are appreciated. In addition to cash<br />
sponsors we are in need of items for<br />
Raffle Prizes and items for the golfers’<br />
goody bags.<br />
On behalf of all of the many folks who<br />
benefit from our annual golf tournament<br />
I thank you.<br />
Below, please find the Team Entry and<br />
Sponsor Forms for our upcoming charity<br />
golf tournament. We are hoping to once<br />
again have a full field of players and<br />
sponsors. As you may know our Foundation<br />
is a 501c3 Non-Profit Charity and<br />
all procedures from the tournament and<br />
100% of all sponsor money goes directly<br />
to the local housing related charities.<br />
With your help and participation we are<br />
hoping to have a full field of players and<br />
sponsors and another outstanding and<br />
successful tournament. Note: our tournament<br />
is open to everyone.<br />
If you have any questions/concerns<br />
please call Joe Carney on his cell at<br />
472-8684 or contact Jim Wetzel at<br />
VPAR – 599-5222. Also, please feel<br />
free to share the information with everyone.<br />
Thank you very much for supporting<br />
this worthy cause. See you on the<br />
links!<br />
Sully,<br />
President, VPAR Charitable Foundation<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 12<br />
<strong>April</strong> <strong>2018</strong>
Virginia <strong>Peninsula</strong> Association of REALTORS ®<br />
Charitable Foundation<br />
Annual Golf Classic<br />
KILN CREEK GOLF CLUB & RESORT<br />
FRIDAY, MAY 11, <strong>2018</strong><br />
Registration10:30 am – Shot Gun Start 12:00 pm<br />
4 Person Florida Best Ball – Three Flights (Pro Will Post Flight)<br />
501C3 Charitable Foundation<br />
Tax ID 54-1747945<br />
TIMES: Registration 10:30 am • Shot Gun Start 12:00pm • Dinner, Raffle Prizes & Awards Following<br />
ENTRY FEE: $500 per foursome<br />
FEE INCLUDES: Golf, Cart, Range Balls, Beverages, Lunch and Dinner<br />
AWARDS: Three flights – Longest Drive & Closest to the Pin - Men, Ladies & Seniors. Raffle and other<br />
contest will also be available.<br />
Team Name: _______________________ Captain ______________________ Phone __________________<br />
Player #1 __________________________<br />
Player #2 __________________________<br />
Player #3 __________________________<br />
Player #4 __________________________<br />
Phone _______________________ E-Mail __________________<br />
Phone _______________________ E-Mail __________________<br />
Phone _______________________ E-Mail __________________<br />
Phone _______________________ E-Mail __________________<br />
VPAR MEMBERS MAY REGISTER ON LINE AT WWW.VPAR.ORG<br />
This event is for the VPAR Charitable Foundation a 501c3 Non Profit Charity. Some portion of the fees may be tax deductible.<br />
p<br />
Check Attached (Checks Payable to VPAR Charitable Foundation)<br />
Mail check to VPAR Charitable Foundation: 1001 North Campus Pkwy, Hampton, VA 23666<br />
p Please charge my pVisa pMasterCard p AmEx p Discover<br />
CC# _____________________________________________<br />
Amount ____________ Expiration Date ________________<br />
Name on Card:_____________________________________<br />
Billing Address_____________________________________<br />
City:_______________________ State:_______ZIP:_______<br />
Phone _______________ E-Mail_______________________<br />
FOR MORE DETAILS, CONTACT Joe Carney at (757) 472-8684, JCarney@HowardHanna.com<br />
OR Jim Wetzel at (757) 599-5222, JimWetzel@VPAR.org<br />
VPAR 1001 North Campus Parkway, Hampton VA. 23666 - Fax: (757) 213-1975<br />
We appreciate your support!<br />
We are also in need of items for Raffle prizes and items to put in the<br />
golfers’ goody bags<br />
We would like to donate<br />
Virginia <strong>Peninsula</strong> Association of REALTORS ®<br />
Charitable Foundation<br />
Annual Golf Classic<br />
KILN CREEK GOLF CLUB & RESORT<br />
FRIDAY, MAY 11, <strong>2018</strong><br />
Registration10:30 am – Shot Gun Start 12:00 pm<br />
4 Person Florida Best Ball – Three Flights (Pro Will Post Flight)<br />
SPONSORSHIP OPPORTUNITIES SIGN UP FORM<br />
p PRESIDENTIAL ** $ 1,500<br />
p Platinum $ 1,000<br />
p Gold $ 500<br />
p Hole $ 300<br />
** Includes one foursome in the tournament<br />
501C3 Charitable Foundation<br />
Tax ID 54-1747945<br />
Sponsors will have their names prominently displayed before a full field of golfers<br />
SPONSOR NAME _____________________________________________________<br />
p We will be staffing our hole and understand that we will provide our own<br />
tables, chairs, etc. We will have _______ attending.<br />
Note - Please plan on arriving prior to 11:15 so we can get you to the hole prior to tee off<br />
p Check Attached for $ __________. (Made payable to the VPAR Charitable Foundation.)<br />
Mail check to VPAR Charitable Foundation: 1001 North Campus Pkwy, Hampton, VA 23666<br />
p Please invoice us. Name of firm/member__________________________________.<br />
(Not available for non-members)<br />
p Please charge my pVisa pMasterCard p AmEx p Discover<br />
CC# _____________________________________________<br />
Amount ____________ Expiration Date ________________<br />
Name on Card:_____________________________________<br />
Billing Address_____________________________________<br />
City:_______________________ State:_______ZIP:_______<br />
We are also in need of items for Raffle prizes and items to put into the golfers’<br />
goody bags. We would like to donate ___________________________<br />
___________________________________________________.<br />
FOR MORE DETAILS, CONTACT Joe Carney at (757) 472-8684, JCarney@HowardHanna.com<br />
OR Jim Wetzel at (757) 599-5222, JimWetzel@VPAR.org<br />
VPAR 1001 North Campus Parkway, Hampton VA. 23666 - Fax: (757) 213-1975<br />
We appreciate your support!<br />
We are also in need of items for Raffle prizes and items to put in the<br />
golfers’ goody bags<br />
100% of all sponsor money goes directly to the VPAR Charitable Foundation<br />
We would like to donate<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 13<br />
<strong>April</strong> <strong>2018</strong>
Thanks to the following VPAR Members for investing in RPAC 2<br />
Crystal R<br />
Lynn Grimsley<br />
Sterling R<br />
Lori Carlson Sheila Dann Robert Jankovic Elizabeth Moore<br />
Peggy Todd Rick West Jim Wetzel<br />
Governors Club<br />
Ruby Conn<br />
Capital Insider<br />
Karen Enriquez Eugenia Jackson Robert Sullivan Teresa Sullivan<br />
Ninety Nine Club<br />
Carl Burt Carla Carney Vincent Cowling Don Duty Sandra Hood<br />
Valarie Miller Kelly Nicol Stephenie Shanks Sandra von Schilling<br />
Investors<br />
Bryon Altenbach<br />
Karen Benson<br />
Jamie Borros<br />
Darlene Bridgette<br />
Craig Burton<br />
Christen Campbell<br />
Jan Carpini<br />
Bridget Carver<br />
Katie Cash<br />
Viki Chaffee Hanke<br />
Pam Christiansen<br />
Lelani Clayton<br />
Monique Claytor<br />
Teresa Cline<br />
Andrew Cohen<br />
Shannon Edwards<br />
Johnny Francum<br />
Laura Gayle<br />
Raniesa Gray-Johnson<br />
Aida Hadziric<br />
Kim Hoskins<br />
Kim Kim<br />
Sharon Kressin<br />
Emily Krikorian<br />
Krissie Launsbach<br />
Denise Leming<br />
Craig Lundgren<br />
Brandon Martin<br />
Stacie Masten<br />
Stephanie McDonald<br />
Tracy Mercier<br />
Mary Mills<br />
Donna Milne<br />
Kaera Mims<br />
Lindsay Pennington<br />
Jennifer Post<br />
K<br />
D<br />
M<br />
Ne<br />
R<br />
R<br />
L<br />
Cha<br />
La<br />
C<br />
A<br />
C<br />
Ther<br />
L<br />
Alf<br />
Beth<br />
Ki<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 14<br />
<strong>April</strong> <strong>2018</strong>
018<br />
risten Poteat<br />
awna Priest<br />
ichael Rose<br />
al Rosenbaum<br />
egina Scott<br />
honnie Smith<br />
inda Smith<br />
rmaine Tarry<br />
rry Townsend<br />
risten Treu<br />
nthony Vann<br />
ara Vaughn<br />
esa Wackowski<br />
isa Wallace<br />
redia Williams<br />
any Wolkowich<br />
mberly Wood<br />
Contribute<br />
The Virginia REALTORS® Political Action Committee<br />
(RPAC) is the political muscle for REAL-<br />
TORS® in Virginia. Without your support, we<br />
cannot remain a powerful voice on the key issues<br />
that affect your business.<br />
NOTE: a valid NRDS number is required to make a<br />
contribution. Click the links here to make a direct,<br />
secure contribution to RPAC. For additional<br />
information or for assistance in setting up a payment<br />
plan, contact RPAC@virginiarealtors.org.<br />
If you don’t know your NRDS number, click here<br />
to quickly look it up!<br />
Click here to make a personal contribution.<br />
Click here to make a corporate contribution.<br />
Click here to become an RPAC Major Investor. Payment<br />
Plans Available<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 15<br />
<strong>April</strong> <strong>2018</strong>
HELP YOUR CLIENTS UNLOCK<br />
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THEY’LL ENJOY:<br />
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Federally insured by NCUA. *100% financing loans may include an additional funding fee,<br />
which may be financed up to the maximum loan amount. Product features subject to approval.<br />
© 2017 Navy Federal NFCU 13490 (4-17)<br />
13490_<strong>Peninsula</strong>_Realtor_Mag_Ad_417.indd 1<br />
4/27/17 11:38 AM<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 16<br />
<strong>April</strong> <strong>2018</strong>
Trim s<br />
14 x 8.<br />
Print a<br />
Let’s work together to help more<br />
buyers achieve their goals<br />
Wells Fargo provides a variety of home financing<br />
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www.wfhm.com/<br />
va-newportnewsbranch-newportnews<br />
This information is for real estate and building professionals only and is not intended for consumer distribution.<br />
Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division<br />
of Wells Fargo Bank, N.A. © 2014 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS4049679 Expires 03/<strong>2018</strong><br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 17<br />
<strong>April</strong> <strong>2018</strong>
Give Back To Your Community.<br />
Lead By Example.<br />
Educate Your Buyer.<br />
Partner With Experience.<br />
A Towne Family Company<br />
NMLS# 512138<br />
townebankmortgage.com
The Voice For Re<br />
P<br />
2016 2017 <strong>2018</strong> 2019<br />
Virgini<br />
Asso<br />
REA<br />
O<br />
We advocate fo<br />
<strong>Peninsula</strong> REALTO<br />
Goal 1 Goal 2 Goal 3<br />
Develop a marketing plan that will<br />
encompass multiple modes of<br />
communication.<br />
Promote a useful website and social<br />
media source.<br />
Create mechanisms to communicate<br />
useful information to the members to<br />
broaden participation.<br />
Design an effective newsletter to be<br />
distributed in all media available to<br />
the association.<br />
Promote ethics and<br />
professionalism through<br />
educational opportunities.<br />
Collaborate with brokers on<br />
Continuing Education offerings.<br />
Develop technology programs<br />
at all performance levels, e.g.<br />
Basic, Intermediate, Advanced<br />
to teach skills.<br />
Design and implement a real<br />
estate Success Series.<br />
Develop and promote a Realtor<br />
safety program to its members.<br />
Develop and promote programs<br />
to reduce and avoid legal<br />
liability.<br />
Interview and endorse<br />
<strong>REALTOR®</strong> friendly candidates.<br />
Continue to provide pertinent<br />
housing related information to<br />
local and state officials.<br />
Promote the value of RPAC<br />
through above the line dues<br />
billing and education of<br />
members as to the importance<br />
of voting, acting, and investing.<br />
Educate members of the value<br />
of RPAC by meeting and<br />
exceeding its RPAC goals and<br />
increased member participation<br />
in VAR and NAR Calls to Action.<br />
Click Here To View The Full 2
a <strong>Peninsula</strong><br />
ciation of<br />
LTORS®<br />
ur Mission:<br />
r the benefit of Virginia<br />
RS® and our community.<br />
Our Vision:<br />
al Estate On The Virginia<br />
eninsula<br />
Strategic Plan<br />
Goal 4 Goal 5 Goal 6<br />
Continue and expand the We<br />
Are the R campaign.<br />
Heighten community<br />
investment through organized<br />
events and/or fundraising for<br />
the benefit of local<br />
charitable/community<br />
organizations.<br />
Establish relationships with<br />
public, private schools and<br />
colleges in the area.<br />
Partner with VHDA to create<br />
and promote first time<br />
homebuyers seminars in the<br />
community.<br />
016 -2019 Strategic Plan<br />
Continue to engage VPAR<br />
membership in networking<br />
opportunities with partners and<br />
affiliates.<br />
Communicate the benefits and<br />
needs of VPAR to the everyday<br />
Realtor.<br />
Redevelopment of the YPN<br />
Committee.<br />
Develop and implement the<br />
VPAR Leadership program.<br />
Redesign and implement the<br />
new member orientation<br />
program.<br />
Create a continual monthly<br />
program/series that requires<br />
member involvement.<br />
Communicate the value of the<br />
Code of Ethics to the real estate<br />
agents in the area through all<br />
media.<br />
Establish an annual budget with<br />
a monthly Profit and Loss<br />
review.<br />
Generate growth opportunities<br />
returning a reasonable rate of<br />
growth and income for<br />
quarterly and annual goals.<br />
Use tangible assets to increase<br />
bottom line.<br />
Seek additional income streams<br />
and grants for the purposes of<br />
creating profit generators.
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OPPORTUNITIES<br />
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Atlantic Bay Mortgage Group’s Marketing Partnership opportunities mean that you’re able to extend your<br />
ability to reach new clients and operate more efficiently than ever before. Some of the dynamic programs<br />
we offer include:<br />
Rental Desk<br />
Lead Share Co-Ops<br />
Advertising Agreements<br />
Marketing & Database Support<br />
Social Media Advertising<br />
Radio & Print Co-Ops<br />
99.4% Customer Satisfaction<br />
Doing right by our clients and business<br />
partners is Atlantic Bay’s top priority. Keeping<br />
this principle in place throughout the entire<br />
mortgage process has earned us a 99.4%<br />
customer satisfaction rating<br />
98.4% Closed By Contract Date<br />
98.4% of all Atlantic Bay loans are closed on or<br />
before the contract date. By having a reputation<br />
for closing loans with speed and efficiency, we<br />
have been able to build a track record of trust<br />
with clients and partners.<br />
T.B.D. Loan Underwriting<br />
Unlike most mortgage companies, Atlantic<br />
Bay underwrites To Be Determined (TBD)<br />
files before the client has a property.<br />
This means the client can be fully<br />
approved prior to finding a property.<br />
KIM NICCUM<br />
Business Development Manager<br />
NMLS # 305841, Licensed in VA<br />
DIRECT: 757-719-3948<br />
OFFICE: 757-324-5147<br />
FAX: 844-504-6759<br />
kimniccum@atlanticbay.com<br />
www.atlanticbay.com<br />
atlanticbay.com • @atlanticbay • #atlanticbay<br />
Revised 1/29/2016<br />
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 22<br />
<strong>April</strong> <strong>2018</strong>
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 23<br />
<strong>April</strong> <strong>2018</strong>
<strong>Peninsula</strong> <strong>REALTOR®</strong> page 24<br />
<strong>April</strong> <strong>2018</strong>