association orientation--session a
DESCRIPTION
Learn about the services and programs offered by the REALTOR organizaiton.TRANSCRIPT
ST. CHARLES COUNTY ASSOCIATION OF REALTORS®
NEW MEMBER ORIENTATION
As the local voice for real estate, the St. Charles County Association of REALTORS® provides members with programs, products and
services to conduct business successfully and ethically. Through legislative advocacy and public awareness, we promote private property rights,
equal housing opportunity and the American Dream of real property ownership.
OUR MISSION
YOUR ASSOCIATION
EXISTS TO HELP
YOU SUCCEED!!
President: Carol Alexander President Elect: Cort Schneider
Immediate Past President: Joe SahrmannTreasurer: Janice Nolan
YOUR ASSOCIATION LEADERSHIP
Mark R. StallmannChief Executive Officer
Gwen WaltersAssistant Executive Officer
•Manages the day-to-day Association operations
•Chief Operations Officer•Professional Standards Administrator•Liaison to the Commercial Division
YOUR ASSOCIATION STAFF
Jen MooreGovernment Affairs Director
•Coordinates Government Relations with the Government Affairs Forum•Treasurer of the Association’s Political Action Committee•Coordinates RPAC fundraising activities•Administrator of the Association’s Continuing Education School•Liaison to Professional Development Committee•Liaison to Diversity Awareness Committee
Kathy AmbroMembership Director
•Membership Administrator•Front Desk Administrator•Supra Liaison •Coordinates Association events•Liaison to Affiliate Forum•Liaison to Public Relations Forum
Jackie LaddDirector of Finance
•Financial Management•Liaison to Finance Committee•Coordinates Association fundraising activities•REALTOR® Store manager•Official Association photographer
ASSOCIATION SERVICES•MEMBER SERVICES
•EDUCATION
•PROFESSIONAL STANDARDS
•GOVERNMENT AFFAIRS
•REALTOR® STORE
•NETWORKING OPPORTUNITIES
•COMMUNICATIONS
LET’S MEET EACH OTHER!!
YOUR FIRS NETWORKING OPPORTUNITY
MEMBER SERVICES
YOUR ASSOCIATION COOPERATES WITH OTHER REALTOR® ASSOCIATIONS
TO PROVIDE MULTIPLE LISTING SERVICES
MARIS PROVIDES YOU INFORMATION ON REAL ESTATE REGION WIDE
AND MULTIPLE TOOLSTO HELP YOU SERVE YOUR CLIENTS AND CUSTOMERS
TAKE THE TRAINING CLASSES AND LEARNHOW MARIS CAN HELP YOU SUCCEED!!
http://www.marisnet.com
STANDARD CONTRACTS & FORMS
YOUR ASSOCIATION COOPERATES WITH OTHER REALTOR® ASSOCIATIONS TO PROVIDE
STANDARD CONTRACTS AND FORMS FOR YOUR USE
OUR FORMS ARE UPDATED REGULARLY TO INSURE COMPLIANCE WITH ALL RULES AND REGULATIONS
PAPER FORMS ARE AVAILABLE FOR PURCHASEFREE FORMS AVAILABLE ON-LINE
WWW.StCharlesREALTORS.com
WHAT TYPES OF FORMS CAN YOU USE?
WHO CAN WRITE CONTRACTS?
WHAT DOES HULSE VS. CRIGER SAY YOU CAN DO?
WHAT DOES “FILL IN THE BLANKS” MEAN?
Do you know the Contract?
Have you read the contract?
I have!
Don’t Practice the Law
No Free Advice!!!
We enforce our copyright!!
Your Association partners with other REALTOR® Associations
To provide lock box servicesWhich provides you access to listed
Property all over the region.
Direct access from your smart phoneor carry the Active key
Plus, you can track showing activityand more through the Supra System
EDUCATIONYOUR ASSOCIATION OFFERS A WIDE VARIETY OF EDUCATIONAL OPPORTUNITIES TO MEET YOUR LICENSE REQUIREMENTS AND
GIVE YOU THE KNOWLEDGE AND EXPERTISE TO SUCCEED!!
•A WIDE VARIETY OF STATE APPROVED CONTINUING EDUCATION CLASSES
•SCCAR UNIVERSITY
•PROFESSIONAL DEVELOPMENT SEMINARS
•BUSINESS PLANNING AND SALES TRAINING SEMINARS
REALTOR® APPROVEDDESIGNATIONS AND CERTIFICATIONS
PROFESSIONAL STANDARDS
THE REALTOR® CODE OF ETHICS
•HOLDS REALTORS® TO A HIGHER STANDARD THAN THE LAW REQURES
•YOUR ASSOCIATION ENFORCES THE CODE
•SESSION B WILL GIVE YOU AN OVERVIEW OF THE CODE AND YOUR RESPONSIBILITIES
GOVERNMENT AFFAIRS
YOUR ASSOCIATION MONITORS NATIONAL, STATE, COUNTY AND CITY GOVERNMENT
•WE ADVOCATE FOR LEGISLATION AND POLICIES WHICH PROTECT:
•THE AMERICAN DREAM OF HOMEOWNERSHIP
•PRIVATE PROPERTY RIGHTS
•YOUR RIGHT TO DO BUSINESS
HOW CAN YOU HELP?
RESPOND TO CALLS FOR ACTION
1,400 members in St. Charles County20,000 plus members in Missouri
Over 1 million REALTORS® in this nation
OUR GREATEST STRENGTH IS IN OUR NUMBERS!IT ONLY WORKS IF YOU PARTICIPATE!
FOLLOW THE LAW!!•You are legally and ethically obligated to observe all laws governing real estate•Failure to follow the law also weakens your Association’s ability to take political action
BE THE EYES AND EARS OF YOUR ASSOCIATION!!•We need to know what is happening out there•If you are having issues with rules or ordinances you feel are harming your business, let us know•Let REALTOR® friendly political candidates know about possible support from the Association•We can’t help if we don’t know about it!
INVEST IN YOUR FUTUREINVEST IN RPAC
THE REALTORS® POLITICAL ACTION COMMITTEE (RPAC)Supports candidates for office who support REALTOR® issues!
Investing in RPAC helps protect your right to do businessfree from unwarranted government interference
Your Association offers manyopportunities for you to invest in RPAC
“Protecting the American Dreamone donation at a time”
St. Charles County Association of REALTORS® Store
NETWORKING OPPORTUNITIESYOUR ASSOCIATION OFFERS SEVERAL EVENTS AND OTHER
OPPORTUNITIES TO NETWORK WITH YOUR FELLOW REALTORS®
•AWARDS CELEBRATION•REAL ESTATE EXPO•RPAC EVENTS•ANNUAL INSTALLATION•REALTOR® Picnic•SCCAR University•Community Forums•OTHER EVENTS
COMMUNICATIONSASSOCIATION INFORMATION AVAILABLE AT:
WWW.StCharlesREALTORS.com
YOUR ON-LINE RESOURCE :
•To register for upcoming classes and events•To get the latest Association and industry news•To get membership information•To get information on Association leadership, staff and committees•Your on-line direct connection to forms on-line, MARIS and other real estate information
WATCH YOUR INBOX
YOUR ASSOCIATION IS “GREEN” WE COMMUNICATE ELECTRONICALLY:
CHECK YOUR INBOX FOR:•News updates•REALTOR® family happenings•Event and education updates•Industry and Association announcements•Special offers•Bills and Invoices
Be sure to notify the Association If you are not receiving e-communications
or change your e-mail address
FOLLOW YOUR ASSOCIATION ON-LINE
FACEBOOK:http://Facebook.com/stcharlesrealtors
TWITTER:http://Twitter.com/SCCAR
FLICKRhttp://Flickr.com/photos/stcharlesrealtors
YOUTUBEhttp://www.youtube.com/user/stcharlesrealtors
YOUR ASSOCIATION NEEDS YOU
ASSOCIATION COMMITTEES AND FORUMSINFLUENCE ASSOCIATION PLANS, PROGRAMS AND POLICIES
GET INVOLVEDHELP PLAN OUR FUTURE
ASSOCIATION FORUMS
GOVERNMENT AFFAIRS FORUMMonitors legislative and regulatory activities at the local, state and national levels.Promotes member involvement and RPAC investment.Advocates for policies and laws friendly to private property rights
Association Forums are open to all members to Participate as their schedules permit
PUBLIC RELATIONS FORUMPromotes the Association programs and activities to membersPlans Association events‘Promotes homeownership and REALTORS® to the public
ASSOCIATION COMMITTEES
PROFESSIONAL DEVELOPMENTPlans and coordinates all professional development and education offerings
DIVERSITY AWARENESSWorks to promote Diversity Awareness and educate members and the general public about programs and services to increase homeownership.
ADDITIONAL ASSOCIATION COMMITTEES:These committees are limited in size and require appointment by the President. Membership requires levels of industry experience and advanced training. Bylaws and PoliciesFinanceGrievanceProfessional Standards
St. Charles County Association of REALTORS®
Commercial Division
PresidentTOM PALITZSCH
•Membership is available for an annual fee of $50.00.• Commercial Division members receive many services including:•Monthly networking events•Commercial agent directory•Commercial education events•Commercial marketing opportunities
Affiliate Forum
Who Are they?
What is their role?
Why should I support our Affiliates?
2011 Affiliate ChairCharlie Holloway
AFFILIATES SUPPORTOUR ASSOCIATION
SPONSOR ASSOCIATION EVENTS AND PROGRAMS
INCLUDING:
REALTOR® PICNICSTES. JOACHIM AND ANNE FOOD DRIVESCCAR UNIVERSITYOTHER PROGRAMS AND ACTIVITIES
THANK YOU TO OUR COPORATE PARTNERS
THANK YOU TO OUR VALUE PLUS PARTNERS
OUR PLATINUM PARTNERS
AMERICAN LAND TITLECONTINENTAL TITLE
CORNERSTONE MORTGAGEFAIRWINDS RIVER’S EDGE
OLD REPUBLIC TITLE PARAMOUNT MORTGAGE
SUBURBAN JOURNALSUSA MORTGAGE
US TITLE
THANK YOU TO OUR VALUE PLUS PARTNERS
OUR SILVER PARTNERS
ALLSTATE INSURANCECARDINAL SUVEYING AND MAPPING
RON ENTWISTLEF & M BANK
FIRST NATIONAL BANKHOUSEMASTER GUARANTEED HOME INSPECTIONS
INVESTORS TITLEOLD REPUBLIC HOME WARRANTY
WIN-HOME INSPECTIONSWOMEN’S COUNCIL OF REALTORS®
'We are a community of real estate professionals creating business opportunities, developing skills for the future, and achieving our
individual potential for success.'
Hosts Monthly Networking and Educational Luncheons
MISSOURI ASSOCIATIONOF REALTORS®
LARGEST TRADE ASSOCIATION IN MISSOURI
OFFICES IN COLUMBIA MISSOURI
MISSOURI ASSOCIATIONServices:
•Political Representation in Jefferson City•Educational opportunities•Standard forms•Local Association support
ANNUAL CAPITOL CONFERENCEJoin us in January when we visitwith our elected representatives
in Jefferson City
Come make sure your voice is heard!
Join us as we discuss real estate issues!
Meet REALTORS® from all over Missouri
SAM LICKLIDERSENIOR VICE PRESIDENT GOVERNMENT AFFAIRS
MISSOURI ASSOCIATION OF REALTORS®
NATIONAL ASSOCIATION OF REALTORS®
LARGEST TRADE ASSOCIATION IN THE NATION
OFFICES IN CHICAGO , IL and WASHINGTON D.C.
NATIONAL ASSOCIATION Services:
•Political Representation in Washington D.C.•National Public Awareness Campaign•REALTOR® Benefits•Educational standards and opportunities•Annual Convention
HTTP://REALTOR.ORGYour on-line source for everything REALTOR®•The latest real estate news•Member benefits and discounts•Education information•Hand-outs and information for your customers•Links to the REALTOR® Credit Union and other sites
This is your Credit Union•Membership is open to you and your family members•Competitive rates on investment and loan products•Personal and business checking and savings•24 hour, 7 day a week access to your accounts•A virtual credit union—access thru the internet•They understand how you do business
https://www.realtorsfcu.org
FAIR HOUSINGREALTORS® ARE THE KEEPERS OF THE AMERCAN DREAM
FAIR HOUSING IS A VITAL PART OF THAT DREAM!!
REALTORS® are committed to promoting and protecting equal opportunity in housing!
FAILURE TO FOLLOW THE LAWWILL NOT BE TOLERATED!!
IT’S THE RIGHT THING TO DO!!
Enforcement
• Violations of Federal Fair Housing laws are investigated by HUD and/or the U.S. Attorney General.
• Penalties can range from $11,000 to $100,000, and are imposed by the Federal Courts.
Federal Fair Housing Laws
• Civil Rights Act of 1866• Fair Housing Act of 1968 (Title VIII)• Housing and Community Development Act of
1974• Fair Housing Amendments Act of 1988• Equal Credit Opportunity Act of 1974 (Pertains
to lending)The acts of 1968, 1974, and 1988 together are
known as the Federal Fair Housing Law.
Federal Law Protected Classes
• Race• Color• Religion• National Origin• Sex• Handicapped Status (added in 1988)• Familial Status (added in 1988)
Exceptions to Federal Fair Housing Law
• Owner-occupied buildings with no more than 4 units
• Housing operated by organizations and private clubs that limit occupancy to members
• Senior housingHowever, NO EXCEPTION is permitted to
discriminate based on RACE or COLOR)
Prohibited Practices
• Blockbusting – the act of encouraging people to sell or rent their homes by claiming that the entry of a protected class of people into the neighborhood will have some sort of a negative impact.
Any message, however subtle, that the property should be sold or rented because the neighborhood is “changing” is considered blockbusting.
Prohibited Practices
• Steering – the directing of home buyers to or away from particular neighborhoods.
Don’t make assumptions!
Let the buyer tell you where they want to live.
Prohibited Practices
• Advertising – No advertisement may include language indicating a preference or limitation.
NO EXCEPTION to this rule is permitted, no matter how subtle the choice of words.
If showing illustrations of people, people should be clearly representative and nonexclusive.
HUD’s Advertising Guidelines (PDF):
http://www.hud.gov/offices/fheo/disabilities/sect804achtenberg.pdf
State & Local Additions to Fair Housing Laws
• Missouri – – Ancestry (ethnic background)
• City of St. Louis - – Sexual Orientation– Source of Income– Marital Status – Age
Fair Housing Quiz
1. Name the seven protected classes:Race Color Religion National Origin SexHandicapped Status Familial Status
2. Absolutely no exceptions are allowed for which protected class?
Race
Fair Housing Quiz
3. A prospective buyer comes to your office and says he wants to only look homes in St. REALTOR Parish. You do the following:
A. Show him houses all over St. Louis because you don’t want to be accused of steering.
B. Find out which homes are in St. REALTOR Parish and show only homes in that area.
C. Tell your customer he should look at all areas of St. Louis before deciding where to live.
Fair Housing Quiz
4. Your Broker told you it was a good idea to pre-qualify customers before you show them property, so you decide to do the following:
A. Pre-qualify only those customers who look like they can’t afford the house.
B. Don’t pre-qualify anyone who drives to the office in a BMW.
C. Pre-qualify only those who are of different race than you.
D. Pre-qualify all potential customers before you show them property.
Fair Housing Quiz
5. Circle the parts of the following ads that possibly violate Fair Housing laws:
Beautiful 3-bedroom home in traditional neighborhood just doors from St. Raymond’s Church and School. Call today!
Great 2-bedroom apartment in Singles Complex, Swimming pool, club house and lots of other amenities. Adults only.
Fabulous executive home in an exclusive West County neighborhood. 3-bedroom, 3 baths, swimming pool, hot tub. Must See!
Beautiful 3-bedroom home in traditional neighborhood just doors from St. Raymond’s Church and School. Call today!
Great 2-bedroom apartment in Singles Complex, Swimming pool, club house and lots of other amenities. Adults only.
Fabulous executive home in an exclusive West County neighborhood. 3-bedroom, 3 baths, swimming pool, hot tub. Must See!
Fair Housing Quiz-True or False1. Refusing to show a Jewish person property in a
predominately Catholic area or trying to steer this person to a predominately Jewish area would be a violation of Federal Fair Housing.
TRUE
2. You show a Vietnamese couple a South St. Louis house, which is listed for sale. The neighbor asks you about your customers and states that he has a lot of emotion left over from the “war” and he doesn’t want them as neighbors. You say your customers are ready to buy the house and say he knows what “that” means, and you would be happy to sell his house for him. You just violated Federal Fair Housing.
TRUE
Fair Housing Quiz-True or False3. It is lawful to refuse to list the home of a person with AIDS, and for that reason you should always ask people if they have AIDS or are otherwise handicapped.
FALSE
4. A landlord with a “no pets” rule would have to make an exception in the case of a blind person with a guide dog.
TRUE
5. A landlord who has a rule prohibiting tenants from modifying their units would be legally justified in refusing a handicapped individual’s request to relocate the wall switch to a lower position at the tenant’s cost.
FALSE
Fair Housing Quiz-True or False6. An agent is uncomfortable and hesitant with people who are of a different race than the agent. As a result, the agent gives the appearance of being reluctant to serve them. This may be considered a violation of Federal Fair Housing.
TRUE
7. Any discrimination against any person is always illegal.FALSE
8. A broker must have policies and procedures to insure that his/her agents comply with Federal Fair Housing laws.
TRUE
Fair Housing Quiz-True or False9. If an agent treats minority home seekers with politeness, the buyer will never have a basis for a legal complaint.
FALSE
10. Only showing a client homes in the area where they say they want to live is steering and you are in violation of the law.
FALSE
Fair Housing Quiz-Cont’d Place an “X” next to each of the activities that you think is “possibly” a violation of fair housing. Place an “O” next to each activity that you view as “probably” not a violation
1. Asking buyers to tell you the neighborhoods or communities in which they are interested.
2. Telling minority buyers that they might not feel safe or comfortable in a certain area.
3. Locking your car doors when you drive into certain areas of St. Louis.
4. Changing the terms and conditions under which a property is offered for sale, based on the race of the prospective buyer.
O
X
X
X
Fair Housing Quiz-Cont’d5. Running stringent background checks on those prospective tenants who “look like” they might be “trouble”.6. Finding a consistent way to present information about the property at an open house.
7. Referring clients who ask about the safety of a neighborhood to the local police department.
8. Pre-qualifying only those people who look like they can’t afford to buy.
X
O
O
X
9. Keeping detailed records of what houses you show to whom and when.
O
Fair Housing Quiz-Cont’d10. Disqualifying some properties based on your assumption of what the client is looking for in terms of area, style of house, price, etc.11. Designing special qualifying forms for minorities because their needs are unique.
12. Offering a cup of coffee or a soda to customers only when you remember to do so.
13. Using standard qualifying forms for all clients.
X
X
X
O
14. Telling clients you will only bring the “right kind of people” to look at their house.
X
15. Never making assumptions about the house or neighborhood that your client will like.
O
Fair Housing is:
• The law of the land• Enforced by the Federal Government• The RIGHT thing to do!
COMES FIRST!!
SAFETY STARTS AT THE BEGINNING
o No unconfirmed appointmentso Know who you are dealing witho Gather informationo Introduce potential clients to otherso Travel in your own caro Bring a friendo Dress and act appropriatelyo Follow Company policies
SAFETY TIPS FOR SHOWING PROPERTY
o Let your office know where you are goingo Arrive earlyo Park on the streeto Check out the house-find and unlock exitso Let the client go firsto Have your cell phone in your hando Check in with your office on a regular basiso Program 911 into your cell phoneo Follow Company policies
WELCOME TO THE ST. CHARLES REALTOR® FAMILY
WE ARE HERE TO HELP YOU SUCCEED!!
http://www.slideshare.net/StCharlesRealtors
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