Home Buyers Readiness Program

Vol.XXXII, No.20
www.realestatenewsline.com
October 15, 2014
Home Buyers Readiness Program
By Pat Farrell
PRSRT STD
U.S. Postage
PAID
San Antonio, Texas
Paid Permit #1957
Already committed to providing
self-sufficiency opportunities for families
through educational, job training and
employment programs, the San Antonio
Housing Authority (SAHA) has recently
instituted a new venture that is sure to create new clients for REALTORS®. We
often encounter young couples or families
who want a home of their own but are not
quite financially ready for such an
endeavor. The question then is: How can
the real estate industry help working families prepare and get “lender-ready” for a
home purchase?
SAHA’s mission statement is to
provide “…quality affordable housing
that is well integrated into the fabric of
neighborhoods and serves as a foundation
to improve lives and advance resident
independence.” So, in addition to being
the largest landlord in San Antonio,
SAHA is also committed to producing
ownership-savvy home buyers. Partnering
with the City of San Antonio Financial
Empowerment Centers, local lending
partners, and other experts in the housing
industry, SAHA has instituted a new
homebuyer educational program to help
potential home buyers
get “mortgage
ready” in today’s more restrictive lending
environment.
SAHA’s Home Buyer Readiness
Program (HRP) is designed to assist low
to moderate income families achieve their
dream of homeownership by “…helping
them break the cycle of poverty and overcome barriers to self-sufficiency.” Low to
moderate income means the salary range
for a family of two ranging from $24,713
to $37,650 or an income range from
$35,280 to $47,050 for a family of 4.
Down payment and closing cost assistance will be available for those homebuyers who select a SAHA built home and
who are income eligible.
Lori Hall, Assistant Director of
Real Estate and Homeownership at
SAHA, says “Any interested home buyer
can take the class.” The cost for all four
(4) workshops is $40 which includes the
materials, memory stick of resources,
snacks, and day care for kids over 5 years.
The classes are held at SAHA. “At some
point, we may take the classes to the community in various locations around San
Antonio. Every potential home buyer
could benefit from these workshops
regardless of income. This Program is
built to help potential home buyers be successful homeowners for the full term of
their mortgage.”
The Home Buyer Readiness
Program (HRP) consists of four (4) individual workshops that provide in-depth
coverage of topics that include Budgeting
for Homeownership, Impact of a Credit
Score, Calculating an Affordable House
Payment, Selecting the Right Home for
your Family, How to read a Home
Inspection Report, Budgeting for Future
Repairs, Roles of the Realtor and Lender,
Choosing the right Home Warranty and
Home Insurance Policy, and Preparing for
Loan Closing. In the workshops, applicants learn the many advantages of owning a home. They are taught that owning a
home is a wise investment where they can
achieve pride of ownership and a sense of
community while building home equity,
gaining borrowing power and being able
to save money at tax time. They also learn
about the negative impact from missed
payments on their credit cards, etc. and
are exposed to the intricacies of the home
buying process which can be daunting if
one is not prepared for it.
Hall said, “There is a lot of information to share and we don’t want to
overwhelm potential home buyers, so we
parcel it out over 4 workshops. We give
them time to think about the materials and
then follow-up with questions.” Initially,
customers learn about credit scores and
how they affect buying power. Their
assigned
Financial
Empowerment
Counselor helps them examine the budgeting steps that will help them raise their
FICO scores and will also explore how
much of a home they can afford, provided
they follow the plan they establish.
Each participant is given a memory
stick (key) containing resources such as
mortgage calculators, amortization schedules, true costs for a loan package and the
forms they will need during and after the
program to help them keep track of their
progress. The instructors chosen for the
program are well-versed in the subjects
they teach and the materials provided will
stand the students in good stead when they
are ready for that big purchase. The program was initially set-up to run for a total
of 12 hours as the modules were scheduled for three hours per month. “We are
letting the customer drive the agenda for
the workshops and are finding that they
have an appetite for 3.5 to 4 hours per
workshop,” says Hall. “This means they
are getting 12-15 hours of home buyer
education by the time they graduate.”
During the workshops the participants are exposed to local Lenders,
REALTORS®, Home Inspectors, Escrow
Officers and Home Insurance experts. So
in addition to the information about credit
and loans, they will learn how to choose a
lender who is best suited to their needs.
They will find out the role of the REALTOR® in working for them as buyers and
how to also make that selection. They are
exposed to home inspection reports and
taught how to read and interpret them and
how to read and interpret a home insurance declaration page, how to select the
best policy, and how to shop for home
insurance.
The final workshop occurs at graduation (which for this first class will be on
November 1st) where the discussions turn
to what will happen once one does purchase a home. They will explore how
much savings may be needed to assure
they can maintain the home, such as lawn
equipment or necessary interior and exterior repairs. They will be shown the benefits to having a home warranty plan and
home insurance policy, and how to select
both the plan and the company that will
provide it. It is possible that after evaluation of the effectiveness of the program
2
REAL ESTATE NEWSLINE
that a post-home purchase workshop may
be added.
“Graduation from the workshops
will not always be the end of the road for
our customers,” says Hall. The HRP is a
long-term educational project which can
continue for months after the initial four
workshops if the home buyer needs that
time to reach their financial goals.
“Individual home buyers will continue to
meet with their free Financial
Empowerment Counselor, as needed, until
they are mortgage- ready,” says Hall.
Each participant before graduation will
select their own personal “Board of
Directors” comprised of a Financial
Empowerment Center Counselor, a
REALTOR®, Home Inspector, Mortgage
Lender, Homeownership Insurance Co.
Agent
and
SAHA’s
Homebuyer
Counselor. They will meet monthly with
their financial advisor to assess progress
and obtain advice on what comes next.
The other members of their selected
Board are available to answer questions as
they arise.
“We have had very successful
meetings between the City’s Financial
Empowerment Counselors and local
lenders to discuss how to resolve home
buyer’s credit issues in a way that will
support their goal of home ownership,”
says Hall. There are two Financial
Empowerment Centers located in San
Antonio – one is located at The
Neighborhood Place and the other at the
Claude Black Community Center. “This is
a self-directed financial counseling program whereby the individual sets personal
October 15, 2014
goals and then, gets help to achieve those
specific goals whether it is saving money
to buy a house or get an education, car,
etc.”
Down payment and closing costs
assistance for a home purchase may be
available, up to $15,000, for those who
have completed the Home Buyer
Readiness Program provided they purchase one of SAHA’s homes for sale.
Among other requirements for eligibility,
the purchaser must be a U.S. Citizen, a
resident of Bexar County, and a 1st time
homebuyer who is qualified for a
Conventional, VA or FHA mortgage. The
buyer must be able to contribute 1% of the
sales price, $500 of which must be used at
time of contract, and $500 must be in
reserve at time of closing.
Hall said, “We tell our customers
that this Program is designed to help an
individual determine if they are ready to
buy a home. If, at the end of the workshops, they decide not to buy a home, we
congratulate them on making a good personal decision and offer a hug. This
Program is about helping families get
ready for long-term, successful home
ownership. After learning about the language of homebuying, the detailed
process, and the long-term financial commitment, etc., some may choose not to
buy while others may determine that they
need more time to prepare. Both are success stories.”
Over the next three years, SAHA
will be developing single family homes on
both the east and west sides of the city.
On the west side, SAHA plans to construct
new homes in the Blueridge, Sunflower,
Palm Lake, and Villas de Fortuna neighborhood. Forty new homes (40) new
homes will be constructed in the
Blueridge neighborhood located near
Culebra and between NW 26th and 27th
streets. A local architecture, design, and
construction company named WestEast
Design Group has developed six new
floor plans for the Blueridge neighborhood. The homes are expected to range in
cost from $87,000 to $130,000. SAHA
will also be building and rehabilitating
homes on the east side as part of the
CHOICE Neighborhood Grant. San
Antonio Housing Authority (SAHA) won
the $29.7 million U.S. Housing and Urban
Development
(HUD)
Choice
Neighborhood Grant in an effort to revitalize the Wheatley Courts Area of East
San Antonio. Down payment and closing
cost assistance will be provided to eligible
home buyers. Some homes will available
for sale to all interested homebuyers.
REALTORS®, you might want to
visit the HRP classes to familiarize yourselves with the program so you can recommend it to those buyers who are not yet
close enough for a home purchase and you
could even become a member of a participant’s Board of Directors. For more
information or to arrange a visit please
contact Deborah Bell, Homeownership
Manager at [email protected], 210477-6132 or Lori Hall, Asst. Dir. Real
Estate
and
Homeownership
at
[email protected], Tel: 210-477-6010.
The San Antonio Housing Authority is
located at 818 S. Flores St. 78204.
A PUBLICATION OF
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Real Estate Newsline is published semimonthly by
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publication for the more than 7,500 members of
the San Antonio Board of REALTORS (SABOR).
Publisher/President .............Jeff Carver
Managing Editor..........Candace Carver
Editorial Assistant .......Courtney Smith
Sales & Marketing .............Candi Meyer
Cell - 557-8722
Contributing Writers: ......Cathey Meyer
..................................................Pat Farrell
Columnists ...........................Corie Boldt
...........................................Missy Stagers
(210) 308-9334
Carver Communications, Inc., is a member of the San Antonio Board
of REALTORS®,
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October 15, 2014
www.realestatenewsline.com
REAL ESTATE NEWSLINE
Generation & Marketing Systems
and Presentation & Conversion Skills.
Debbie had the audience captured. She
gave us all some tools to help everyone
increase their productivity and not waste
their time. She was a wealth of information. She had many ways to help people
in our industry be more efficient and also
By Cori Boldt
3
take time for themselves. This went right
with Women's Council's of REALTORS® theme this year - Health,
Wealth, Success and Time for Ourselves.
The balance is a challenge but once all is
in place we can be the most productive
and well rounded individuals in the
industry.
President, Women’s Council of REALTORS
This Fall Has Been Busy
We have had a busy few weeks
with Women's Council. San Antonio was
the host city for the Texas Association of
REALTORS Convention and the Texas
Women's Council of REALTORS®
Convention. Our local chapter hosted a
Margarita Tour to kick off the convention. It was a great success. We had over
50 people on a bus that toured the city to
see what restaurants had the best margaritas. Our guests to the city had a great
time and also enjoyed getting to know
the city and some of its culture. The networking is valuable for referrals.
Everyone knows someone moving to San
Antonio. I personally have received 4
referrals this summer and early fall from
Women's Council of REALTORS®
members from other cities. That is what
the Council is all about, creating leaders
in the industry and also creating a reliable referral system.
Women's Council of REALTORS® is also dedicated to our community.
Tracey
Blackwell,
this
year's Women's Council of REAL-
TORS® Community Service Chair and
her dedicated committee, put on an
incredible event that supported Pets
Alive, “YAPPY HOUR”. The event was
held at the Rolling Oaks Golf Club. The
committee worked hard, and our furry
friends were included in the event. There
were dogs of all kinds, big, little, fluffy,
old, young and most were dolled up.
They had a great time eating treats, doing
an obstacle course and meeting other 4
legged friends. There were vendors that
sold animal goodies, live music by
Clifton Jansky, auction items and once
again a network of successful REALTORS® out to raise money for a great
cause! Tracey and her team raised over
$3000 for Pets Alive. What a great success!
The October luncheon was full of
information. Debbie Holloway with Tom
Ferry's National Real Estate Trainers
gave us a wealth of information on solving
real
estate's
5
biggest
problems....Business Systems, Mindset
& Goals, Planning & Organization, Lead
Missy Stagers, Coldwell
Banker D’Ann Harper
Realtors; Mary Ann
Jeffers, Reliance
Residential Realty; Liza
Reyes, Keller Williams
Legacy; Bob Jacobs,
RE/MAX Associates; Scott
Caballero, Prudential
PenFed Realty and
Angela Shields, SABOR.
Linda Hinds and
Melissa Cole, both
Stewart Title at the
Alamo Heights
Grand Opening.
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REAL ESTATE NEWSLINE
October 15, 2014
WCR October Luncheon At Sonterra
Nicole McNish,
Legacy Mutual
Mortgage and
Mike Meyer,
Stewart Title.
Pat Farrell, Slater
Realtors and
Diane Lauer,
Keller Williams
City View.
Danielle Castillo and Polly McKinley, both with Coldwell Banker
D’Ann Harper Realtors, Lynn Bradshaw, Frontier Title and Lauren
Cornwell, Coldwell Banker D’Ann Harper Realtors.
Debbie Keeland and Leianni De Leon, Stewart Title, Bonnie Wilson, RE/MAX
Associates and Carolyn Hegranes, Retired.
Tracy Ross, Perry
Homes and
Marilyn Smith,
Rolling Oaks
Golf.
Jason Gamboa, M&S Realty Services, Terry Jeffords, Gehan
Homes and Debbie Ortiz, Realty Executives Access.
Kyra Smith, Alamo
Title and Craig
Loeffler, New Penn
Financial.
Norma Ponce, TAP
FCU and Cecilia Sosa,
North American Title.
www.realestatenewsline.com
October 15, 2014
REAL ESTATE NEWSLINE
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REAL ESTATE NEWSLINE
October 15, 2014
WCR “Yappy Hour”
See more photos on back page!
Jennifer Ward, Keller
Williams Legacy with
Roscoe Tex.
Keri Yuretich,
Independence Title with
Nikki.
Leticia Sanders, Keller
Williams Heritage with
Kahlua & Bailey.
Karen Shaffer, Frontier Title
with Marley.
October 15, 2014
www.realestatenewsline.com
Industry Sound Off
By Justin Landon,
Govermental Affairs Director
Support Proposition 1
on November 4
There are three things a growing
Texas cannot afford to fall short on: water,
power and roads. Last election, the Texas
voters overwhelmingly approved a
Constitutional Amendment to invest $1
billion in local water systems. This election the Texas legislature is asking the voters to do the same thing for roads.
Proposition 1, if passed, will provide billions in reliable transportation
funding every year—about $1.7 billion
the first year alone. The funds can only be
used for constructing and maintaining
public-access roads. No funding for toll
roads will be provided from monies distributed through Prop 1.
The money will come from the
Economic Stabilization Fund (aka: the
rainy day fund), which is funded primarily by oil and gas tax revenues. With the
boom of oil and gas exploration in the
Permian Basin and Eagle Ford Pass, the
fund is at an all-time high, nearing the
statutory 10 percent of the total general
revenue budget cap.
Today, 25 percent of the oil and gas
tax revenue goes directly to schools, while
the remaining 75 percent goes into the
rainy day fund. Prop 1 would split that 75
percent so that half of it (34.5 percent)
would be diverted for Texas roads, while
the remaining 34.5 percent would continue to bolster an already flush rainy day
fund. In other words, if Prop 1 passes,
Texans will see nearly $2 billion invested
in their roads in 2015 alone without any
new taxes and no new debt. In fact, Prop 1
even requires the Texas Department of
Transportation to identify $100 million of
administrative savings as a way to help
pay off current debt.
Today, Texas roads are funded by
the gasoline tax which is 20 cents per gallon. As fuel economy has improved the
gas tax has been contributing less and less
to the State Highway Fund. To make up
the shortfall the Texas legislature has
diverted funds from other budget priorities
to keep Texas roads safe. Prop 1 is a vital
first step in ending diversions and getting
REAL ESTATE NEWSLINE
Texas back on a sustainable maintenance
and construction schedule.
This election season make the voice
of Texas Real Estate heard loud and clear
with a “Yes” vote for Prop 1. It is neces-
7
sary to sustain the vibrant real estate economy Texas enjoys today. Early voting
opens October 20, with Election Day on
November 4. Visit SABOR.com to find
out where you can cast your vote.
8
REAL ESTATE NEWSLINE
October 15, 2014
Mayor Visits First Voice Meeting
Chris Well, guest
and Louis Derrick,
IBERIA Bank
Mortgage.
Laura Migliore, Title professional.
John Thurman, Heart of Texas Realty, Ivy Taylor, San Antonio
Mayor and Brent Fessler, Hallmark College.
Sandy and Tom Walker, RE/MAX Preferred.
Darlene Minor, Keller Williams Joe Fisher, Hallmark College, John Thurman, Heart
of Texas Realty and Brent Fessler, Hallmark College.
Heritage.
Karl Kluthe,
RE/MAX North
San Antonio.
Sharon Manning,
RE/MAX
Preferred.
Carla Walker and Shielda Madkins, School of
Excellence in Education.
John Crone,
Crolanco
Elize Pruske,
Cambridge
Holdings.
Patsy Oakley, RE/MAX Associates.
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October 15, 2014
REAL ESTATE NEWSLINE
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REAL ESTATE NEWSLINE
October 15, 2014
Birdy Properties Grand Opening
Brian Birdy cuts ribbon.
Barry Birdy and David Birdy
Russell Birdy and Jessica Birdy.
Michael Bird and Lori Bird, Birdy Properties.
Gregg Birdy and dad Brian Birdy.
Candy Rose, Fil Am and Keith Gideon,
SABOR.
Blaise Case and Frank Rodriguez, both with Celine and Hoppie Cantwell, both with
Keller Williams Home Locators.
Birdy Properties.
October 15, 2014
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Reading
Real Estate Newsline
Newsline makes it
to Paris with Ellen
and Carl Bauer,
Reliance
Residential Realty.
Deanna Fahey with husband Keith Fahey, Ashton
Woods reading Newsline in San Diego.
Andy Hickman with wife Judy Hickman, Sterling Property
Management reading Newsline at Texas A&M game in Dallas
REAL ESTATE NEWSLINE
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REAL ESTATE NEWSLINE
October 15, 2014
Jim Price, RE/MAX
Professionals and
Terry Trevino,
Director of
Economic
Development-City
of Seguin.
Everybody seated and ready for lunch!
Alamo Title Seguin Ribbon Cutting Open House
Ribbon Cutting.
Laurie Coleman, Alamo Title, Milt Watson, Heritage Texas
Properties with Fanny Harkins.
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October 15, 2014
REAL ESTATE NEWSLINE
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REAL ESTATE NEWSLINE
October 15, 2014
Lisa Kaye Bates,
Limestone Country
Properties, Christina
O’Connor, Legacy
Mutual Mortgage
and Duffy O’Connor.
Debbie Blackerby, American Home Shield, Sandi Peerman, JB
Goodwin, Jack Shull, Guild Financial and Janet Key, SA Portfolio Real
Estate.
PT50 Blue
Ellen Willis and
Mary Elden
Robbins, both
with Keller
Williams Legacy.
Elsa Avitia, Gail Couser and Ana Gallegos, all
with Independence Title.
Come See Us In Bulverde
Scott Thomas
Branch Manager
Michael Peters
Senior Residential
Mortgage Loan Originator
NMLS# 429857
Eric Barefoot
Residential Mortgage
Loan Originator
NMLS# 1101337
Garrett Toste
Senior Residential
Mortgage Loan Originator
NMLS# 450814
Craig Pierson
Bill Sherman
Ron Robinson
Residential Mortgage
Loan Originator
NMLS# 409906
Residential Mortgage
Loan Originator
NMLS# 413868
Residential Mortgage
Loan Originator
NMLS# 212871
Direct: 210.775.5709 - Cell: 210.422-2114
18568 Forty Six Parkway #1001/2, Spring Branch, TX 78070
www.wbm.com
NMLS# 1155064
Holly Borham-Ramos, Keller Williams
Heritage and Joyce Bradfield,
BH&GRE Bradfield Properties.
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October 15, 2014
REAL ESTATE NEWSLINE
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Glenn and
Veronica Clarke,
Glenn Clarke
Realtors, Ed
Covington and
wife Brenda
Covington,
Legacy Mutual
Mortgage.
Zaza Gardens
Janice Tisdale, Phyllis Browning Company, Amy Kolb, Keller Williams
City View, Kim Bragman and Jo Lewis, both with Phyllis Browning
Company.
Susan Davis,
RE/MAX
Preferred.
Pat Aquisto and Barbara del Amo, both with Keller
Williams Legacy and Candi Meyer, Newsline.
Jeanine Claus, Keller Williams
Heritage and Debbie Germany,
Highland Homes.
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REAL ESTATE NEWSLINE
October 15, 2014
Jill Wheatley,
Woodside Homes,
Tammy Pierce,
Premium Properties
and Donna White,
Guest.
Woodside Homes Willis Ranch
Andre Dade,
Coldwell Banker
D’Ann Harper
Realtors and
Smiley Orosco,
Woodside
Homes.
Terry Tribbey, Woodside Homes, Ashley Nicholson, Keller Williams
Legacy and Sharon Brenner, Keller Williams City View.
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October 15, 2014
REAL ESTATE NEWSLINE
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Nov 8
REAL ESTATE NEWSLINE
Shannon Dellinger ............Premier Realty Group
Maria Major ......................Home Team of America
Eddy Hall ........................Keller Williams Legacy
Jason Mazzurana..............Affinity Real Estate Brokerage
Charlotte Leddy................Phyllis Browning Company
Tracey Lammert ..............Phyllis Browning Company
Leslie Ayala......................Realty Executives of SA
Mary Schneider ................RE/MAX Exclusive
Dwight Hale......................Dwight Hale, REALTOR
Lynn Boyd........................Phyllis Browning Company
Kathleen McKan-Tirado....Home Team of America
Aurora Crawford ..............Coldwell Banker D’Ann Harper
Timothy Dees ..................Texas Star Properties
Melissa Rousset ................Coldwell Banker D’Ann Harper
Donna Phelan ..................Coldwell Banker D’Ann Harper
Kathy Alberthal ................M & S Realty Services
Randall Odom ..................Coldwell Banker D’Ann Harper
Andy Mushinski................Keller Williams Heritage
Donna Frye ......................Coldwell Banker D’Ann Harper
Annie Looney ..................Trinidad Realty Partners
Mary Brown......................Phyllis Browning Company
Kathleen Alberthal............M & S Realty Services
Pamela Hartz....................Keller Williams Legacy
Lonna Atkinson ................RE/MAX Associates
Linda Drever ....................SABOR
Karen Revell ....................SWBC Mortgage
Manuel Salazar ................Realty Executives of SA
Peggy A. Orf ....................BHGRE Bradfield Properties
Jim Faulkner....................Faulkner Realty
Barbara Linick..................ERA Troy Realtors
Estela Haese ....................Keller Williams Heritage
Brenda Brock ..................Kimberly Howell Properties
Mary Etta Raborn ............Northwest Real Estate
Joe Paprskar ....................RE/MAX Northeast
Aneeta Bhalla ..................Coldwell Banker D’Ann Harper
Grant Shaffer....................Century 21 Scott Myers
Patricia Cottle ..................Keller Williams Heritage
Donna Callicoatte ............Stewart Title
Sharon Herbert ................Independence Title
Paul Germano ..................Trinity Title of Texas
Missy Espino ....................Coldwell Banker D’Ann Harper
J. R. Troy ........................ERA Troy Realtors
Joseph Garrett ................Exit IH 10
Daisy Vernoy ....................RE/MAX Northeast
Connie Ramirez ................BHGRE Bradfield Properties
Jeanine Schuchardt..........Key Relo Real Estate
Jaime Sepulveda..............M & S Realty Services
Diane Craig ......................RE/MAX Associates
Viki Melton ......................Realty Executives of SA
Lupe Kennedy ..................Coldwell Banker D’Ann Harper
Tricia Petrick ....................SWBC Mortgage
Carol Schultz ....................Lone Star Properties
October 15, 2014
Nov 17
Nov 18
Nov 9
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Nov 11
Nov 12
Nov 13
Nov 14
Nov 15
Nov 16
Praveen Mammen ............Prudential PenFed Realty
Harold Crawford ..............Icon Realty
Sal DeLeon ......................Coldwell Banker D’Ann Harper
Charlotte Martinez ............Apartment & Relocation Center
ClarkTilley........................BHGRE Bradfield Properties
Erica Eddington................Hardie and Assoc REALTOR
Jose Lopez ......................Coldwell Banker D’Ann Harper
Dan Rutan ........................Coldwell Banker D’Ann Harper
Rochelle Nash ..................Keller Williams City View
Susan Petereit ..................Coldwell Banker D’Ann Harper
Naomi Weckesser ............Texas Hill Country Realty
Jill Greaves ......................Northwest Real Estate
Roy Sullivan ....................Stewart Title
Barbara Faulkner..............Keller Williams Heritage
Jim Bailey ........................Century 21 Scott Myers
David Betancourt ............Premier Realty Group
Edward Alanis ..................Phyllis Browning Company
Lisa Stanley......................Coldwell Banker D’Ann Harper
Karen Crow ......................Coldwell Banker D’Ann Harper
Martha Gutierrez ..............Coldwell Banker D’Ann Harper
J. D. Boggus ....................Texas Land 4 You
Stacy Jonas ....................Mission Real Estate Group
Martha Gutierrez ..............Coldwell Banker D’Ann Harper
Holly Holleway ................Realty Executives of SA
Jay Villarreal ....................Trinity Title of Texas
Kathy Seale......................Phyllis Browning Company
Melannie Pitman ..............Bian Realty
Neville Smith....................Coldwell Banker D’Ann Harper
Cassie Gonzalez ..............RE/MAX Associates
Brenda Worsham..............Phyllis Browning Company
Tony Franco ....................By Referral Realty
Sandra Johnson ..............Phyllis Browning Company
Wei Yong ..........................Prudential PenFed Realty
Carolyn DiMuzio ..............Coldwell Banker D’Ann Harper
Bryan Lantzy ....................Global Realty Group
Joyce Ullrich ....................Apartment & Relocation Center
Stefan Lagmark................Alamo City Brokers
Grace Joseph ..................Independence Title
Leslie McGonigal ..............BHHS Prudential Don Johnson
John Griffin ......................John E. Griffin
Jesus Tavares ..................Coldwell Banker D’Ann Harper
Ann Reese........................Phyllis Browning Company
Denise Andabaker ............Global Realty Group
Elena Tilvaldieva ..............Coldwell Banker D’Ann Harper
14 Years Of Partnership In Business:
Loyalty Built One Home At A Time!
Todd Forbes: Loan Officer, NMLS# 208825
and Ivory Banks: Silver Dollar Special Real Estate
210.547.3490
Nov 19
Nov 20
Nov 21
Nov 22
Nov 23
Nov 24
Nov 25
Mike Idrogo ......................Kuper Sotheby's International Realty
Bruce Wedell ....................Realty Executives of SA
Joyce Odom ....................Coldwell Banker D’Ann Harper
Pat Lyssy..........................Drought Properties
Sue Rodarte ....................Phyllis Browning Company
Alfonso Baeza ..................Slater Realtors
Roger Brissette ................JB Goodwin Realtors
Rose Jamison ..................The Horn Company
David Saenz ....................Keller Williams Legacy
Mary-Ellen Robbins ..........Keller Williams Legacy
Danny Ashinhurst ............Keller Williams Heritage
Richard Mays....................Mays Realty
Robert Pike ......................Prudential PenFed Realty
Janet Allen ......................Stewart Title
Luci Cockrell ....................Cockrell, REALTORS
Mary Corcoran ................Key Realty
Michael Trautman ............RE/MAX Preferred
Amy Karns ......................Northwest Real Estate
Mary Skye........................RE/MAX Associates
Michele Gammel ..............RE/MAX North San Antonio
Jon Hess ..........................Phyllis Browning Company
Cheryl Aycock..................Phyllis Browning Company
Alli Wilson ........................Coldwell Banker D’Ann Harper
Jan Hicinbothom ..............Coldwell Banker D’Ann Harper
Jeanette Draves ..............Rubiola Realty
Manny Arredondo ............Realty Executives of SA
Rita Parker........................Coldwell Banker D’Ann Harper
Melissa Vargas..................JB Goodwin Realtors
Dorothy Williams..............Keller Williams Heritage
Sherrell Russell ................Keller Williams Heritage
Grace Alvarado ................Coldwell Banker D’Ann Harper
Sara Woolford ..................iTexas Realty Co
Nena King ........................Nix Realty Company
Susan Brand ....................Coldwell Banker D’Ann Harper
Jamie Farley ....................Coldwell Banker D’Ann Harper
Joe Buzzank ....................North Town & Country
Ron Diggs ........................Home Team of America
Charo King ......................RE/MAX North San Antonio
Tony Moran ......................The REsource
John Michael Little ..........Keller Williams Legacy
Katy Stephens ..................Phyllis Browning Company
Liz Chiego ........................Phyllis Browning Company
Lisa Jackson ....................Kimberly Howell Properties
Sally Romo ......................BHGRE Bradfield Properties
Mark Cruz ........................Coldwell Banker D’Ann Harper
Karen Franz......................SWBC Mortgage
David Kline ......................Coldwell Banker D’Ann Harper
Maria Bustos ....................Coldwell Banker D’Ann Harper
Denise Carswell................Axis Realty Group
Sandy Miller ....................JB Goodwin Realtors
James Bendele ................Brass Ring Properties
Linda Forchione ..............Sterling Group Real Estate
www.realestatenewsline.com
Nov 26
Nov 27
Nov 28
Nov 29
Nov 30
Paula Weilbacher ..............Home Team of America
Paula Johnson..................Kuper Sotheby's International Realty
Connie McCord ................RE/MAX Associates
John Brown......................Realty Executives Alamo
Joel Garza........................Global Realty Group
Ray Villarreal ....................RE/MAX Realty Advantage
Lynane Eifler ....................Key Realty
Bob Leonard ....................RE/MAX Associates
Wanda Garlington ............SABOR
Frances Ross....................Coldwell Banker D’Ann Harper
Chris Schenk....................Coldwell Banker D’Ann Harper
Debbie Turner ..................Nix Realty Company
Rhonda Zarate..................Premier Realty Group
Claudine Coleman ............JB Goodwin Realtors
Nancy Skovly ..................BHHS Prudential Don Johnson
Lowie Van Diest................Red Diamond Realty
Steve Bennett ..................Texas Ranches For Sale
Keith Miller ......................MHN Properties
Michelle Campbell ............Smart Group, REALTORS
Howard Rhoder ................Alamo Real Estate Broker
Ginger Klaerner ................Mission Title
Christopher Berry ............Realty Executives of SA
Kurt Varela ......................Lincoln Realty Group
Laura Tomlin ....................SWBC Mortgage
Nancy Oberman ..............Phyllis Browning Company
Tere Arenivar-Garcia ........JB Goodwin Realtors
Jennifer Beck ..................Coldwell Banker D’Ann Harper
Delia Sutton ....................Coldwell Banker D’Ann Harper
Jennie Hampton ..............Phyllis Browning Company
Charla Sealy ....................Realty Executives of SA
Kristi Maxwell ..................BHGRE Bradfield Properties
Carol Keschman ..............BHGRE Bradfield Properties
Randy Rice ......................Keller Williams Legacy
Robert Schupbach............Phyllis Browning Company
October 15, 2014
REAL ESTATE NEWSLINE
Chorizo and Manchego Strata
Ingredients
8 cups crusty sourdough bread
2 tablespoons Extra Virgin Olive Oil
1 large Onion chopped
1 pound Spanish Chorizo medium dice
2 Garlic cloves sliced
12 eggs whisked
1 1/2 cups milk
1 1/2 cups Half and Half
1 tablespoon Red Chili Flakes
2 cups Manchego Cheese shredded
Salt and Pepper to taste
Directions
Preheat oven 375 degrees F. Cut bread into 1-inch cubes and set
aside.
In a large sauté pan heat olive oil over medium high heat. Add onions
and sauté for 2 to 3 minutes until soft. Lower heat to medium and
add chorizo. After 2 minutes add garlic and cook just until fragrant
then set aside off the heat.
Whisk together the eggs, milk, half and half, chili flakes, 1 1/2 cups
cheese and season with salt and pepper. Add the bread and chorizo
mixture to the eggs and toss to coat. Press down firmly. Pour into a
greased baking dish.
Bake uncovered for 35-40 minutes. Let stand for 5 to 10 minutes
before serving. Grate remaining cheese over top. Serve with a dollop
of salsa verde. Enjoy!
Candi Meyer
Real Estate Newsline
Sales & Marketing
210-308-9334 - 210-557-8722
19
20
REAL ESTATE NEWSLINE
October 15, 2014
Clifton Jansky,
Coldwell Banker
D’Ann Harper
Realtors plays on
while Rick
Guerra, Keller
Williams City
View collects his
prize!
Lighthouse Realty agents collect their recognition during the Live Oak
Awards Program.
Keith Fahey,
Ashton Woods
welcomes Lisa
Johnson and
Michelle Garcia to
the sales team.
Pat Hardy, Kuper Sotheby’s International Realty, David Moore,
Stewart Title and Kathy Hoermann, Kuper Sotheby’s
International Realty visit during the Stewart Title Grand Opening.
Halloween Treats
Available Here!
The Best
Loan Service
In Town!
Phone: (210) 399-0400
211 N. Loop 1604 E #260 • San Antonio, Tx 78232
www.academymortgage.com
• Corporate NMLS# 3113 •
www.realestatenewsline.com
October 15, 2014
REAL ESTATE NEWSLINE
21
22
REAL ESTATE NEWSLINE
October 15, 2014
Abel Contreras,
Full Spectrum
Realty visits
Woodside Homes
at Willis Ranch.
The Ashton Woods sales team welcome Alicia Blagg and Yvonne Perez
back!
Jeff Mayer,
Compass Bank
and Lori Mayer,
First American Title
visit during the
WCR “Yappy
Hour.”
Welcome To The Team!
Raul Trevino
Sr. Loan Officer, NMLS# 514121
Direct: 210.269.6266
Office: 210.878.4913
www.realestatenewsline.com
October 15, 2014
REAL ESTATE NEWSLINE
23
24
REAL ESTATE NEWSLINE
October 15, 2014
Burdick Custom Homes Estancia Open House
Tammy Cooper,
Kate Keating and
Marilyn Smith, all
with RE/MAX North.
Pam Burdick,
Burdick Custom
Homes with Chef
Luca Della Casa.
Chef Luca Della Casa of Food Network, Silo and Nosh fame.
Cathy Cole, RE/MAX North and Ann Jones,
Phyllis Browning Company.
Hail, hail – the gangs all here!
Sandy Enders, Guest, Treedy Chapa, Chapa & Fuller
Realty and Barbara Potyka, Guest.
Alexia Herber, Burdick Custom Homes
with Jim Kolodziej, Phyllis Browning
Company.
Sandy and Tom
Walker, both with
RE/MAX Preferred
with Art Burdick,
Burdick Custom
Homes.
Patrick Richardson, Silo, with Janet Key, Julie Nader and Matin
Tabbakh, all with SA Portfolio Real Estate.
www.realestatenewsline.com
October 15, 2014
REAL ESTATE NEWSLINE
25
26
REAL ESTATE NEWSLINE
October 15, 2014
John Friesenhahn,
Imagine Homes,
Susan Hallmark,
Kuper Sotheby’s
International
Realty and Jim
Bastoni, Imagine
Homes.
Bill Holder, DH Realty Partners, Dana McDaniel, Imagine Homes and
Mark Moreno, Keller Williams Heritage.
Imagine Homes
Joe Gonzalez,
Wells Fargo and
Krista Darius,
Imagine Homes.
Kim Fair, Imagine
Homes and Joe
Crain, Icon
Realty.
H APPY
H ALLOWEEN !
“Treat” Your Clients
to a
GOLD Financial Loan!
Chris Gonzalez, Loan Officer, NMLS# 314894, Becky Jackson, Loan Officer
NMLS# 294926, Kim Trinidad, Loan Officer, NMLS# 1133778, Kesha Thomas,
Processor, Jeremy Garcia, Loan Officer NMLS# 758429, Arlene Harris,
Receptionist, and Michelle Noble, Branch Manager/Loan Officer NMLS# 199832
(not pictured: Ampy Klonek, Loan Officer, NMLS# 215228)
211 N. Loop 1604 E Suite #125
San Antonio, Texas 78232
(210) 490-3222
www.dhititle.com
W E D ON ’ T M AKE E XCUSES , W E M AKE I T H APPEN !
Weʼve been doing loans in South Texas for twenty five years.
Free Pre-qualifications and Consultations
100% Financing • VA / FHA / Conventional / USDA Loans
Refinances and Purchases
Financing for Manufactured Homes
Three Spanish speaking loan officers for your clients
210.745.5570
San Antonio, Texas, 2941 Mossrock #101, 78230
www.goldfinancialservices.net
October 15, 2014
www.realestatenewsline.com
REAL ESTATE NEWSLINE
27
Pamela Rothe,
Keller Williams City
View, Lupe
Moreno and
Gregg Collier,
Imagine Homes,
Susie Riojas, Keller
Williams City View
and Cesar
Amezcua, CA
Company
Realtors.
At Paesanos
Molly Harvey ERA Colonial Real Estate, Scott Eichman, Imagine
Homes and Jeanne Koplin, ERA Colonial Real Estate.
Paul Stanfill,
Keller Williams
Heritage.
Lupe Moreno, Imagine Homes and Jackie
Galvan, RE/MAX Preferred.
Incomparable in its beauty and charm, this Tudor style
home has everything to offer and more. Elegant book
shelves line the study while vaulted ceilings celebrate the
living room of this magnificent property. Perfectly kept,
this home will make an excellent place to raise a family,
entertain guests, or enjoy cozy n quiet evenings in front
of the fireplace. Unique details such as parquet floors, a
residential lift, fire escape pole, outdoor sauna, bidet, wet
bar, wooden shutters; make this home beyond compare.
For information
call
Elizabeth Barrera 225-0009
•
•
•
•
•
•
•
•
•
4 Bedroom, 3 bath
3,591 SF
Vivant Security System
Parquet & Tile Floors
Fireplace
Master Suite Downstairs
Large Family Room Upstairs
2 Car Garage
Heated In Ground Pool
•
•
•
•
•
•
•
•
Hot Tub
Hot Sauna
2 Car Garage
Residential Lift
Separate Dining Room
Wet Bar
Solar Heated Pool
2 AC Units
Annette Brown, Coldwell Banker D’Ann
Harper Realtors and Kim Fair, Imagine Homes.
28
REAL ESTATE NEWSLINE
October 15, 2014
Amy Haverlah,
Jennifer Sloan
and Debbie
Cabello, all with
Ashton Woods.
(they all got the
“black and white”
memo)
Libby Rinn Weyel, Margaret Davis, Kathy Vogel, Linda Vieweg and
Gabe McCarty, all with Coldwell Banker D’Ann Harper Realtors.
Realtor Preview Party
Barbara Brunner,
Home Team of
America and
Larry Allen,
Monticello
Homes.
Martha Mayorga and Margaret Garcia, both
with Sitterle Homes.
Iʼve Changed Adresses!
Please welcome Michael Stephan,
Loan Officer NMLS# 36861
Corp NMLS# 3013
Andrea Nauschutz, Keller Williams
Alamo Heights and Al Cannistra, Texas
Premier Realty.
October 15, 2014
www.realestatenewsline.com
REAL ESTATE NEWSLINE
29
Pat Halbert, Guest,
Gloria Byington,
RE/MAX Preferred
and Shelly
Proctor, David
Weekley Homes.
At Kinder Ranch
Mary Reyna, Mission Real Estate Group and
Anna Hernandez, Keller Williams City View.
Kara Baker, Ken Com Real Estate Services, Tony Hernandez, ERA
Colonial Real Estate, and Selina Garcia and Erica Cantu, both with
Keller Williams City View.
Paula Lopez and Meloni Richardson, both with
RE/MAX Associates.
James Smothers and Margaret Garcia, both
with Sitterle Homes.
The Quincy Townhomes On The River
Located in the heart of the urban core, The Quincy Townhomes on the River is
San Antonioʼs newest for-sale townhome project. Comprised of 25 three-story townhomes,
The Quincy Townhomes, will provide homebuyers a one-of-a-kind opportunity to own
residence on the Museum Reach portion of the San Antonio River, directly across from
the Pearl Brewery Complex.
Located at Quincy Street & Newell Avenue
Fee Simple / Non-Condominium, 3-Story Townhomes
25 Units
913 - 2,081 SF
Exclusively Represented by King William Realty
www.eastquincysa.com
Joe Gonzalez
NMLS #413777
The Preferred Lender
18756 Stone Oak #200
San Antonio, Texas 78258
210.445.3715
30
REAL ESTATE NEWSLINE
October 15, 2014
Corie Properties Welcomes New Agents
Barnes Joins Keller Williams Legacy
Austin working for Gottesman
Residential Real Estate. In
2010 she married Randy
Cadwallader of San Antonio.
Since living in San Antonio she
has gained an intimate knowledge of the local real estate
market and loves working with
both buyers and sellers. You can
LITTLE
CADWALLDER
CAVENDER
reach
Ginny
at
Nikki Little is from Arlington, Texas [email protected] or on her cell:
and attended Texas A&M University, where 210.232.8003
she graduated with a degree in psychology.
Amanda Cavender was born and
After completing her Master’s degree, she raised in Indianapolis, Indiana. Upon gradand her husband moved to San Antonio. In uating from Heritage Christian High School
2008 they bought a home in Terrell Hills, in 2006 she moved to Dallas to attend
which they completely remodeled. It was Southern Methodist University. While in
featured on an episode of HGTV’s “Bang college she developed her interest in real
For Your Buck”. That experience of finding, estate by acting as property manager for her
purchasing and creating their dream home condominium unit in Highland Park.
was what sold Nikki on a career as a Realtor. Shortly after graduating from SMU in 2010
Nikki can be reached at nikki@corieproper- she married her college sweetheart, W.B.
ties.com or on her cell, 210.317.3175
Cavender, and moved to San Antonio in
Upon graduating from TCU in 2006, 2011. Amanda recently obtained her real
Ginny Cadwallader immediately got her real estate license in February of 2014. Reach
estate license and jumped right into the Amanda at [email protected] or
career! Ginny began selling real estate in on her cell: 317.514.1338.
C a r o l e
Barnes has recently
joined
Keller
Williams Legacy.
Raised in a military
family, she understands how stressful relocating can
be and will help
BARNES
find the perfect
home so families can settle com-
fortably. She has been a resident in
San Antonio for 24 years, and
attended schools in NISD. For 8
years she was a teacher within San
Antonio, bringing with her the
understanding of how important a
school district is to parents and
children alike. Carole can be
reached at 210-846-7551 (call/text)
or
email
at
[email protected]
HSA Real Estate LLC Welcomes Vo
House
San
Antonio Real Estate
LLC is thrilled to welcome Alicia Vo into
their team of agents.
Alicia is originally
from
Monterrey,
Mexico and comes to
us with nine years of
VO
experience in the mortgage industry. She was an FHA modifi-
cation underwriter and has strong experience in analyzing financial data and
loan processing. Her background brings
tremendous talent to HSA and to her
clients. Alicia has been married to her
husband, An Vo, for 4 years and they
have 2 beautiful girls. Broker Cher
Miculka and the team at HSA welcome
Alicia into the fold! Email [email protected] or call us at 210-3941376.
Mullen Earns National Luxury Home Designation
Brenda Mullen, agent with
Luxury Home Council, Inc. was
recently awarded the Accredited
Luxury Home Specialist (ALHS)
Designation from The Luxury
Home Council, Inc.
To display the ALHS logo and
be accepted into the Luxury Home
Council, each member must successfully complete the Accredited
Luxury Home Specialist Course,
meet minimum sale requirements
and the agent must be in good
standing
with
the
National
Association of REALTORS® or the
National Association of Home
Builders.Brenda joins an elite
membership of top real estate
agents throughout the United States
and Canada. For more information
contact
Brenda
Mullen
at
2108070819 or The Luxury Home
Council
at
www.LuxuryHomeCouncil.com.
Jeffers Earns CIPS Designation
Texas Sentinels Ambassador Hits RE/MAX Hall of Fame
in 2 yrs, 7 months
While serving in
Afghanistan with the
Green Beret in 2009,
Army Special Forces
soldier Levi Rodgers
and his team struck an
IED, severely injuring
Rodgers and taking the
lives of four of his
RODGERS
teammates. Following
rehabilitation and retirement from the
Army on February 28, 2012, Rodgers went
to work at Kate Keating’s RE/MAX
North-San Antonio as an agent. On
August 23, 2014-just two and a half years
later, he qualified for the RE/MAX Hall of
Fame- reflecting one million dollars in
earned commissions while with RE/MAX.
After two-and-a-half years of focus
on his business, he’s built a team to allow
more time for his family and two children.
The six members are closing $3 and $4
million per month during the summer
months. Levi Rodgers, RE/MAX NorthSan Antonio. Call us at 210 888 6901 or
text
us
at
210
784
6585.
[email protected]
Website:
TopTeamTexas.com [email protected]
JEFFERS
The 2015 Chair for
SABOR has earned her
Certified International Property
Specialist Designation. Mary
Ann
is
with
Reliance
Residential Realty and holds
other designations: ABR, CRS,
GRI, e-PRO, PMN, SRES. She
believes keeping up with the
industry requires keeping up the
education and with so many foreign nationals moving to Texas
there is no better designation to
have than the CIPS.
Two New Agents Join The Phillips Team
GARZA
SANDS
Leo Garza became a licensed
Realtor in 2003 and began selling real
estate in his hometown of Mission,
TX. He is an experienced buyer’s agent
who enjoys living in the Texas hill country with his wife Tina. Leo can be reached
at
210-334-7481
or
[email protected]
Chris Sands spent 13 years in residential and commercial construction in
San Diego before meeting his wife Jill
and moving back to her hometown of San
Antonio, TX. Chris brings his DIY
remodeling and practical straightforward
business experience to his real estate
clients.
Chris can be reached at 210-2603942 or [email protected]
October 15, 2014
www.realestatenewsline.com
Margozewitz Joins Phyllis Browning Company
MARGOZEWITZ
D e b b i e
Margozewitz, with a
proven track record as
a top producer, has
joined
Phyllis
Browning Company’s
North Central San
Antonio office. A
native San Antonian
who has spent half of her life as a REALTOR®, Margozewtiz is involved in giving back to the community and currently
serves on the Cancer Society Fashion
Show Committee, Los Compadres San
Antonio Ladies Gun League, and the
Animal Defense League.
REAL ESTATE NEWSLINE
It’s with great pleasure that we
announce our
NEW name for our organization
Ultimate Real Estate Welcomes New Agents
rience in New Home Marketing
and Sales.
Claudia Rodriguez for
several years has been successfully helping clients realize their
family dreams. Claudia is a
Realtor who joins Ultimate Real
Estate ready to more fully pursue her career as a Real Estate
ALEXANDER
RODRIGUEZ
STRUNK
Professional.
New agents are Brandon Alexander,
Cynthia Strunk is a new Realtor who
Claudia Rodriguez and Cynthia Strunk! brings her considerable enthusiasm and joy to
Seasoned Agent Brandon Alexander joins the Real Estate Industry. Cynthia has been in
Ultimate Real Estate bringing with him over innovative and technical project management
8 years as a successful Top Real Estate for many years and joins Ultimate Real Estate
Professional helping clients accomplish their bringing a thorough understanding of client
real estate goals. Brandon has extensive expe- needs. Welcome to these Professionals!
New Name
Same Great Service!
Roy Richard
Branch Manager
NMLS# 231637
Cell:
210.862.5596
Brad Dawson
Loan Officer
NMLS# 635442
Cell:
210.667.5875
Gina Acree
Loan Officer
NMLS# 870318
Cell:
210.872.5483
Annie McNiel
Loan Officer
NMLS# 1007940
Cell:
512.913.4105
Megan Whitmore
Home Loan
Coordinator
210.408.2600
CONVENTIONAL • FHA • VA • USDA • PURCHASE
REFINANCE • CONSTRUCTION LOANS
• Personal service • On time closings •
• In-house underwriting and processing •
16607 Blanco Rd.. Suite 1306
San Antonio, TX 78232
Office: 210.408.2600
This name came from 9 months
of work, numerous meetings,
a national hearing, a contest,
and NAR’s final approval.
We thank you, our members,
for your support throughout this
process. We look forward to
this next chapter in our
organization’s story!
31
Merged Association
of REALTORS Takes on
New Identity
As of January 1, the New
Braunfels/Canyon Lake, San
Marcos, and Seguin Associations of
REALTORS® merged in to one
Association. Nine months later, they
now have a new name and identity.
The new organization is now
called the Four Rivers Association of
REALTORS®. The name was officially approved by the National
Association of REALTORS® and
Texas Secretary of State on October
1. Serving almost 1200 REALTORS® and Affiliates from
Caldwell,
Comal,
Gonzales,
Guadalupe, and Hays Counties, the
Four Rivers Association of REALTORS® is positioned to be a major
promoter of homeownership and private property rights in the region.
The four rivers represented in
the name are the Blanco, Comal,
Guadalupe, and San Marcos. The
organization understands the importance of the rivers for what they do
for our environment and the economy.
32
REAL ESTATE NEWSLINE
October 15, 2014
WCR “Yappy Hour”
Margie Morcher, Homeland Group of
Texas with Greta Mae and Cindy
Kolmeir, New Penn Financial.
‘Babs’ Bluebonnet.
Katie Griffin Ross, RE/MAX
Associates with Gator Bait Ross.
Barbara del Amo, Keller Williams
Legacy with Tex Cowart, Bijou and
Bud.
Cathy Bureau, Green Realty with Daisey, Cecilia
Cecilia Sosa, North American Title with Sosa, North American Title and Randall Zamora,
Goldie and Lucy.
RE/MAX Access.
Bob Jacobs, RE/MAX Associates with
Ralphie.
Brenda Muller and Cindy Cox, both with RE/MAX
Access, Maggie Mae and Christina O’Connor,
Legacy Mutual Mortgage.
Special Treats.
Craig Loeffler, New Penn
Financial.
Cathy Heshmat, ERA Troy and
Hercules.
Maxine, Kyra Smith, Alamo Title and
daughter Kam.
`