Arcadia REALTOR Magazine - September/October 2015

1 ARCADIA REALTOR® · JANUARY/FEBRUARY 2015 SEPTEMBER/OCTOBER 2015 · ARCADIA REALTOR®

REALTOR®OFFICIAL PUBLICATION OF THE ARCADIA ASSOCIATION OF REALTORS®

PROUDLY SERVING THE REALTORS® OF ARCADIA, BRADBURY, DUARTE, MONROVIA & SIERRA MADRE

Achievement RecipientsSee page 6

N.A.R. REALTOR Emeritus®

Betty Lanza

Peggy Allison

Irene Daly

Terry Earll

FROM THE CEO’S DESK

2015 ASSOCIATION OFFICERSJoseph Pacilio

2015 PRESIDENTRoy Blume

PRESIDENT-ELECTKelvin Chang

VICE-PRESIDENTSylvia Ramos

SECRETARY/TREASURER

ASSOCIATION STAFF Robin Allen Ext. 307 Director of Finance / Office Manager [email protected]

Michael Beltran Ext. 302 IT Director / Webmaster [email protected] Brenda Faltes Ext. 304 Director of Membership & Professional Standards [email protected] Jamie Hu Ext. 309 Director of MLS Data Violations [email protected]

Stephanie Maertens Ext. 303 Director of Education & Commercial Real Estate [email protected]

Jane Shriver Ext. 301 Director of Association Services [email protected]

Laura Thai Ext. 304 Director of Broker Compliance & Member Outreach [email protected]

Andrew Cooper Ext. 308 Chief Executive Officer [email protected]

REALTOR®

BOARD OF DIRECTORSRyan Asao

Andy BencosmeJulie Bencosme

Margaret GaremoreFred MadjarMark Ramos

David ScarminachIrene TruongMike Vachani

C.A.R. DIRECTORSRyan Asao

Andy BencosmeRoy Blume

Margaret GaremoreJoseph PacilioSylvia RamosRandall TrawMike VachaniKelvin Wong

ARCADIA ASSOCIATION OF REALTORS®601 South First Avenue

Arcadia, California 91006626.446.2115

626.446.4072 FAXwww.TheAAR.com

2 ARCADIA REALTOR® · SEPTEMBER/OCTOBER 2015

We Compete Every Day to Earn your Membership

I’m an avid sports fan. Always have been. I played all kinds of sports in my younger days

with a particular love for soccer, courtesy of my British parents. I was also very fortunate to have been a batboy for the L.A. Dodgers when they won their last World Series in 1988. These days due to time constraints my sports are pretty much limited to playing soccer with my 4 year old son, tossing baseballs to him and going for an evening family swim. I have a passion for watching team sports too (go Manchester United!) especially when they compete at the highest level and I’m a true believer that competition makes us better in business and in life. This is certainly true when it comes to serving our thousands of REALTOR® and Affiliate members, which I consider to be the ultimate team sport.

At the Arcadia Association of REALTORS® we embrace competition because it makes us stronger and through our strength, our goal is to make you, our valued members, the real winners. You win with our award-winning educational offerings, our political advocacy, our world-class events and our customer service.

Many other real estate associations try to compete on membership fees alone which is a sure indication they have nothing behind the scenes to offer. We have so many current AAR members who transferred their membership to us from other associations whom have told us they wished they transferred long ago. Perhaps this is why we’re one of the fastest growing real estate associations in California.

For us, low membership and MLS fees are important but they are not the only competitive factor. We choose to compete with our reliability, our positive attitude, our member support, our customer service and our innovative member benefits. In fact, we compete in every aspect of the Membership Experience - from the way we answer your telephone calls, respond timely to your emails and the way we deliver outrageously positive membership experiences to you every time and with a smile.

Another thing that no other association of REALTORS® can match is the sincerity, dedication and downright “niceness” of all our volunteer members including committee members, chairs, Board of Directors and of course, your dedicated staff. Each of these wonderful and selfless women and men have been our single greatest competitive advantage and their passion for taking care of you is stronger than ever. On behalf of these dedicated group of people at the Arcadia Association of REALTORS®, thank you for allowing us to be your teammate!

To your continued success,Andrew CooperChief Executive Officer

7 TRID (TILA-RESPA Integrated Disclosure)What’s the deal with all these new Acronyms?

11 AAR New REALTOR® MembersThe AAR welcomes its newest REALTOR®Members of 2015

11 AAR Staff Member Jane Shriver Celebrates 25 Years at the AAR!Thursday, August 13th marked the 25th anniversary of Jane Shriver’s employment!

12 Arcadia Relay for Life 2015A look at the recent American Cancer Society event to fundraise towards the fight against cancer.

13 Scott Burtz Memorial Charity Golf ClassicA photo recap on the recent annual charity golf tournament held at the lovely Glendora Country Club.

SEPTEMBER/OCTOBER 2015 · ARCADIA REALTOR® 3

ContentsSEPTEMBER/OCTOBER 2015 | VOLUME 19 | NUMBER 5

RegularFeatures2 From the CEO’s Desk Andrew Cooper, Chief Executive Officer

4 Market Matters Market Statistics for the San Gabriel Valley

5 Attorney Comments Dave Freeman, AAR Legal Counsel

6 Through the Lens A Look at What’s Happening Around the AAR

9 Affiliate Corner “Fundamentals of the Escrow Process” Marie Palacios, Contempo Escrow Inc.

7 12 13

6 N.A.R. REALTOR® Emeritus Achievement RecipientsCongratulations to Betty Lanza, Peggy Allison, Irene Daly & Terry Earll.

AdditionalContent

On theCover


Market MattersMarket Statistics for the San Gabriel Valley - July 2015

Single Family Homes Condominiums SFR Only

City Zip Code

Sales of Single Family

Homes

PriceMedian SFR

($1,000)

Price % Chg from July 2014

Sales Count

Condos

Price Median Condo

($1,000)

Price & Chg from July 2014

Median Home Price/

Sq. Ft.

Arcadia 91006 39 $1,035 -10.0% 1 $660 -24.0% $535Arcadia 91007 11 $1,270 -29.0% 8 $549 4.8% $596Duarte 91010 10 $407 5.9% 9 $323 6.3% $391El Monte 91731 4 $435 4.1% n/a n/a n/a $413El Monte 91732 13 $465 22.7% 6 $417 26.2% $317Glendora 91740 20 $453 -1.1% 9 $447 n/a% $361Glendora 91741 26 $639 9.8% 2 $472 19.4% $354Monrovia 91016 29 $643 7.2% 8 $440 10.0% $439San Gabriel 91775 21 $775 5.2% 1 $629 n/a $437San Gabriel 91776 12 $587 1.6% 4 $466 47.9% $550San Marino 91108 11 $2,134 6.8% n/a n/a n/a $954Sierra Madre 91024 17 $975 32.0% 3 $600 0.8% $498Temple City 91780 16 $726 -1.3% 9 $568 -4.9% $437

Market Statistics for the San Gabriel Valley - August 2015Single Family Homes Condominiums SFR Only

City Zip Code

Sales of Single Family

Homes

PriceMedian SFR

($1,000)

Price % Chg from

August 2014

Sales Count

Condos

Price Median Condo

($1,000)

Price & Chg from

August 2014

Median Home Price/

Sq. Ft.

Arcadia 91006 29 $859 -10.0% 5 $783 1.1% $491Arcadia 91007 20 $1,885 39.1% 9 $513 -6.4% $571Duarte 91010 9 $409 -0.2% 2 $405 12.4% $406El Monte 91731 5 $400 7.4% 2 $373 n/a $347El Monte 91732 13 $381 5.0% 3 $538 71.1% $352Glendora 91740 19 $480 10.3% 7 $340 22.5% $330Glendora 91741 20 $690 21.2% 2 $378 -6.3% $361Monrovia 91016 32 $594 -8.9% 12 $415 -6.1% $443San Gabriel 91775 19 $768 5.3% n/a n/a n/a $502San Gabriel 91776 16 $543 -6.9% 8 $388 1.7% $440San Marino 91108 17 $2,050 10.6% n/a n/a n/a $794Sierra Madre 91024 6 $1,063 22.5% 3 $556 0.2% $549Temple City 91780 23 $700 -4.3% 2 $430 -16.1% $455

Source: CoreLogic.com


AttorneyComments

By Dave Freeman, Association Counsel

Signatures of CorporationsWhen signing for a corporation or LLC, please be sure you and your clients adhere to the method of signing that the attorney, who drew up the entity, instructed. That is, for example:

ABC Corp.By, (John Doe’s signature)

John Doe, President

Too often, attorneys and escrow officers receive documents (Purchase Contracts) signed by the client, in the place where the entity’s name should appear. Remember, the signing individual is not the seller or buyer in this case; the entity (corp.) is.

Property Tax Re-Assessment ExemptionAs property values have skyrocketed recently, it is important to preserve our Proposition 13 tax assessments.

a) Seniors and Disabled Persons:

Normally, when we sell a residence and purchase another, the new residence is re-assessed to the value at the time of the new purchase. This greatly increases the tax burden on the new owner. But if anyone over the age of 55 years, or a severely disabled person, sells their principal residence and purchases another one, in the same county, for equal or less money, within two years of the sale of the previous residence, Proposition 90 allows the seniors/disabled person to transfer their Prop 13 property tax basis from the old residence to the new one.

Only certain counties in California allow transfer of Prop 13 benefits to a new residence in that county from a different county. As of November 2014 they were (check with the county tax assessor where you are planning on moving):

You must apply for this exemption. Best to do it at the time of transfer, or the exemption, or a portion, may be lost. A simple form can be downloaded from the County Assessor’s Office of the county in which one is buying.

Parent to Child TransfersSimilar to the previous paragraph, transfers from parents to children, or from children to their parents are exempt from re-assessment. This also includes grandparents to grandchildren or from grandchildren to grandparents, if there are no living parents in between. The principal place of residence is totally exempt, and other property, up to one million dollars is also exempt. Be sure to file the appropriate form with the County Tax Assessor.

Orange CountySan Diego County

Los Angeles CountyRiverside County

Ventura CountySan Bernardino County

San Mateo CountyAlameda County

A Look at What’s Happening Around the AARthrough the lens


Kelvin Chang, 2015 AAR Vice President, State Senator Judy Chu & Joe Pacilio, 2015 AAR President

Joe Pacilio, 2015 AAR President, Assemblyman Ed Chau, Joyce Kristiansen & Roy Blume, 2015 AAR President-Elect

2015 AAR Strategic Planning

Congratulations to Cheryl Allen

of Dilbeck Real Estate, Arcadia who

won the Apple Watch drawing benefiting the 2015 E4C Scott Burtz Charity Golf Classic!

N.A.R. REALTOR® Emeritus Achievement

Recipients. Congratulations to Betty Lanza,

Peggy Allison, Irene Daly & Terry Earll

2015 Survey WinnerJohn Barker,

Berkshire Hathaway HomeService

2015 Survey WinnerCareayre Rambeau,

Alta Realty Company, Inc.

2015 Survey WinnerSonny Han,

A & C Intl. Investment Inc.

2015 Survey WinnerJi Han,

Long Dragon RealtyGroup, Inc.

Roy Blume, 2015 AAR President-Elect, State Senator Judy Chu & Joe Pacilio, 2015 AAR President

7 ARCADIA REALTOR® · JANUARY/FEBRUARY 2015

Consumer Protection Financial Bureau

TRID (TILA-RESPA Integrated Disclosure)What’s the deal with all these new Acronyms? It is getting hard to keep up, let alone understand what they mean (and determine which are important). In the case of TRID, it really is important to understand if you are involved in the real estate sales world. And unless you have been vacationing in Africa for the last 3 months you have already heard of TRID.

TRID stands for “Truth in Lending/RESPA (its own acronym)/Integrated Disclosures”. Part of the mission of the CPFB (isn’t this fun - Consumer Protection Financial Bureau) is to simplify the overly complex world of financing for consumers. One area identified as being confusing to consumers was mortgage disclosures along with the costs and fees charged as part of real estate transactions. We already had several regulations on the books intended to protect consumers - primarily the upfront disclosures mandated by Truth in Lending (Regulation Z) and RESPA (Real Estate Settlement Procedures Act). To be fair, the forms were confusing and quite frankly, not all lenders followed the rules that were in place. So TRID was developed to simplify, streamline and create a universal process for the entire mortgage industry and it was implemented on October 3rd.

As a Real Estate Professional, this presents a unique opportunity to provide and add value to your clients and prospects. Consumers rely on REALTORS® to not only know the market and the neighborhood but also to give them guidance on the process while providing confidence and expertise as they make life decisions. The more you know and understand the more you build trust!

Significant Differences: • Good Faith Estimates (GFE) and Truth in Lending (TILA) are replaced by a Loan Estimate (LE) • HUD1 (Closing Statements) are replaced by the Closing Disclosure (CD) • Lenders cannot collect any fee (other than for a credit report) until the LE has been accepted • The Lender issues the Closing Disclosure (CD) NOT Escrow • The Closing Disclosure (CD) must be provided at least 3 days before closing

What will cause delays? If a CD has to be reissued, the 3 day wait period starts over and could delay a closing. The good news is that there are only 3 items that will require a CD to be reissued - the reality is that the following changes should take place early in the process or you have the wrong lender! • Change in APR (Annual Percentage Rate) by more than .125% on a fixed or .250% on an ARM • Adding a Prepayment Penalty • Changing the Loan Program, i.e. from fixed to ARM or vice versa

What should you focus on? • There are resources on the CFPB site (http://www.consumerfinance.gov/know-before-you-owe/real-estate-professionals/) that you should review. • Download a sample LE and CD (http://www.consumerfinance.gov/regulatory-implementation/tila-respa/#disclosures). • Carry a sample to present to clients when educating them on the process • Talk to your lender to make sure they are up to speed on TRID and that the loan originator you work with is familiar with the changes and how their firm rolled out the new software and training to manage the TRID disclosures • Make sure your escrow company is set to communicate early to get costs and fees to the lender

The biggest risk is going to be mortgage firms winging it with the software or trying to backfill paperwork. With a uniform process across the industry, those that have not invested in technology and staff training will find out quickly when a lender or bank will not fund a loan due to an improper Closing Disclosure or mistake in timing when issuing either the LE or CD.

Overall, this is a good change for consumers but certainly there may be a few anxious moments initially. But this truly is an opportunity to get better at what we do and to outshine your competition by taking a little time to learn, understand and teach your valued clients about TRID!

For more information, contact John at: 626-583-1623 or [email protected]

By John Thompson, First Priority Financial



Escrow: What is it?Very simply defined, an escrow is a deposit of funds, a deed or other instrument by one party for the delivery to another party upon completion of a particular condition or event. The California Escrow Law, Section 17003 of

the Financial Code, provides the legal definition.

Why Do I Need an Escrow?Whether you are the buyer, seller, lender or borrower, you want the assurance that no funds or property will change hands until ALL of the instructions in the transaction have been followed. The escrow holder has the obligation to safeguard the funds and/or documents while they are in the possession of the escrow holder, and to disburse funds and/or convey title only when all provisions of the escrow have been complied with.

Escrow: How Does it Work?The principals to the escrow - buyer, seller, lender, borrower - cause escrow instructions, most usually in writing, to be created, signed and delivered to the escrow officer. If a broker is involved, he will normally provide the escrow officer with the information necessary for the preparation of your escrow instructions and documents.

The escrow officer will process the escrow, in accordance with the escrow instructions, and when all conditions required in the escrow can be met or achieved, the escrow will be “closed.” Each escrow, although following a similar pattern, will be different in some respects, as it deals with your property and the transaction at hand.

The duties of an escrow holder include: following the instructions given by the principals and parties to the transaction in a timely manner; handling the funds and/or documents in accordance with the instruction; paying all bills as authorized; responding to authorized requests from the principals; closing the escrow only when all terms funds in accordance with instructions and provide an accounting for same: the Closing or Settlement Statement.

Who Chooses the Escrow?The selection of the escrow holder is normally done by agreement between the principals. If a real estate broker is

“Fundamentals of the Escrow Process”AFFILIATE Corner

By Marie Palacios, Contempo Escrow Inc.

involved in the transaction, the broker may recommend an escrow holder. However, it is the right of the principals to use an escrow holder who is competent and who is experienced in handling the type of escrow at hand. There are laws that prohibit the payment of referral fees. This affords the consumer the best possible escrow services without any compromise caused by a person receiving a referral fee.

The Duties of an Escrow Officer: •serveasthecommunicationlinktoallpartiesinthe transaction. •prepareescrowinstructions. •requestapreliminarytitlesearchtodeterminethe basis upon which a title insurance policy may be issued. •requestabeneficiary’sstatementorpay-offdemand relating to existing financing. •complywithlender’srequirements,specifiedin escrow agreement. •receivepurchasefundsfromthebuyer. •prepareorsecurethedeedorotherdocuments related to escrow. •proratetaxes,interest,insuranceandrentsaccording to instructions. •securereleasesofallcontingenciesorother conditions as imposed on any particular escrow. •recorddeedsandanyotherdocumentsasinstructed. •requestissuanceofthetitleinsurancepolicy. •closeescrowwhenalloftheinstructionsofbuyerand seller have been carried out. •disbursefundsasauthorizedbyinstructions, including charges for title insurance, recording fees, real estate commissions and loan payoffs. •preparefinalstatementsforthepartiesaccountingfor the disposition of all funds deposited in escrow.

The Escrow Officer Should Not: •offer legal advice. •negotiate the transaction. •offer investment advice.

(Continued on page 10)

10 ARCADIA REALTOR® · JULY/AUGUST 2015

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You have the right to select your own escrow officer.That’s right, smart consumers can help in the selection of their escrow officer by investigating those companies themselves rather than leaving this important decision to their real estate agent or lending institution.

ChecklistHere’s a checklist to help you choose the right escrow officer for your real estate purchase:

• Ask your real estate agent to make three recommendations for both escrow service and title insurance and ask why the agent likes these companies. •Forescrow,determinewhetheracompanyistruly acting as a neutral party, or is under the control of a real estate agent or mortgage broker. •Rememberthatpriceisnottheonlyconsideration- attention to your specific needs and good service can and in most cases should be more important. •Contactthestateagencythatregulatesacompanyto determine if there are any pending complaints or disciplinary actions.

For more information, contact Marie at: 626-446-2401 or [email protected]

(Continued from page 9)

These are the core components of REALTOR® Safety. Your personal safety does not have to be left to chance and is something you can be in control of. Even though you cannot eliminate all possibility of becoming a victim, there are steps you can take to reduce the odds. You must realize that personal safety is about risk reduction by trusting your instincts, and using good common sense.

I was fortunate enough this past May to be present at the NAR meetings in Washington DC. The family of Beverly Carter came on stage and gave a very emotional talk on REALTOR® Safety. Beverly was murdered when showing a home to what she thought was a prospective buyer. Her assailant was quoted saying, “Because she was just a woman that worked alone - a rich broker”. Don’t put yourself in this position without any training!

We as REALTORS® can never be completely safe in the type of work we do. So if you have not been trained in self defense there are some very helpful webinars and training classes that “REALTOR® University” of N.A.R. offers. Go to http://www.learninglibrary.com/realtoruniversity

Type in the search field “Safety” and you will find a list of webinars, articles, and classes to select and participate in to protect yourself when in a uncomfortable position.

By Joe Pacilio, 2015 President, Arcadia Association of REALTORS®

AFFILIATE Corner

270,000

Maureen McCuneLoan Consultant, NMLS# 284640Tel: [email protected]/mmccune

Jane Shriver Celebrates 25 Years!Thursday, August 13th marked the 25th anniversary of Jane Shriver’s employment with the Arcadia Association of REALTORS®! During her tenure she’s seen 4 U.S. Presidents, 4 Olympic Games, 26 different AAR Presidents and thousands of wonderful AAR committee members, directors and volunteers. If you feel like sending her a congratulatory message you can email her at [email protected]. The AAR congratulates and thanks Jane for her loyalty and dedication these past 25 years - thank you, Jane!!!


Welcome, NewMembers!

Hector Aguayo, Dilbeck Real EstateCatherine S. Chan, Treeline Realty & InvestmentLouis Chavez, Urban Link RealtyLee L. Choi, Gotham Management Group Inc.Daniel K. Chou, Coldwell Banker GeorgeCharles Y. Chow, Long Dragon Realty Group, Inc.Laura Cohen, Coldwell Banker ArcadiaCatherine L. Cuellar, Dilbeck Real EstateFlorencia D’Angelo, Coldwell Banker ArcadiaLaura L. De Jesus, CIBA Real EstateEvelyn Dolphin, Coldwell Banker ArcadiaDenis M. Fasquelle, Coldwell Banker GeorgeJackie Y. Fu, Coldwell Banker GeorgeVita T. Hou, Keller Williams Market CenterJiayi Huang, Coldwell Banker ArcadiaElyse D. Inukai-Kaska, Gotham Management Group Inc.

Cedrick Jihanian, Keller Williams RealtyKelly A. Jones, Alta Realty Company, Inc.Brittany A. Kallin, Podley PropertiesDi Kou, Highland Real EstateMichael Kwok, Long Dragon Realty Group, Inc.Kai Kyi, Long Dragon Realty Group, Inc.Charles Lai, Long Dragon Realty Group, Inc.Tai Li, Long Dragon Realty Group, Inc.Heran Liu, Long Dragon Realty Group, Inc.Nicholas M. Lloyd, Coldwell Banker GeorgeSong Meng, Champion Character Inc.Jen L. Wang, Highland Real EstateDwip A. Pandya, Berkshire Hathaway Home ServiceMin W. Potter, Keller Williams Market CenterDaisy Quinones, Urban Link RealtyStacy M. Rensink, VasTree Real Estate

Xuejiang Ruan, Highland Real EstateFrank Shih, Treeline Realty & InvestmentAngela Su, Long Dragon Realty Group, Inc.David A. Tovar, Urban Link RealtyWarren Tseng, Century 21 DynastyHui T. Wang, IRN RealtyLaura Wang, Long Dragon Realty Group, Inc.Dylan J. Wu, Century 21 Village RealtyBianca Y. Xia, Grandmark Realty Inc.Bing Xu, Highland Real EstateMing-Tai Yeh, Coldwell Banker GeorgeQi Yin, Highland Real EstateGeorge Yuan, Keller Williams Market CenterGuirong Zhai, Coldwell Banker GeorgeXiangdong Zhou, IRN Realty

NEW REALTORS® SEPTEMBER 2015

RELAYFOR LIFEAugust 1-2 at Santa Anita Park in Arcadia

At Relay For Life events, communities across the globe come together to honor cancer survivors, remember loved ones lost, and fight back against a disease that has already taken too much. The funds raised make a difference in the fight against cancer on a daily basis. Relay For Life teams camp out overnight and take turns walking or running for 24 hours because cancer never sleeps.



Scott Burtz Memorial Charity Golf Classic Tournament

The Arcadia Association of REALTORS Events 4 Charity Auxiliary recently hosted the AAR’s Annual Scott Burtz Memorial Charity Golf Classic Tournament on Monday, September 14, 2015. The event was held again at the Glendora Country Club in Glendora. The tournament was an amazing success in raising money which will be distributed during the holidays to many needy local charities. In addition to the money raised, all who attended had a great time! Sincere appreciation to our outstanding and hard working golf tournament Chairpersons, Stephanie LaPorte, Old Republic Home Protection and Lysette Freeman, Premium Escrow, Inc. and all the many Affiliate Members who are always there to lend a helping hand.


Tournament ChairpersonsStephanie LaPorte

and Lysette Freeman

Arcadia Association of REALTORS®601 South First AvenueArcadia, California 91006

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www.TheAAR.com ~ 601 S. First Ave. Arcadia, CA 91006 ~ 626-446-2115 ~ Fx. 626-446-4072

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Classes, vendors, lunch, prizes & give-a-ways!Education Sessions start

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Saturday, October 2410am - 2pMDuarte Community Center,1600 Huntington Dr., Duarte, CA 91010

Don’t let homeownership scare you!

Free Community Event!This FREE community event is brought to you courtesy of the

City of Duarte & the Arcadia Association of REALTORS®

Arcadia REALTOR Magazine - September/October 2015

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Transcript of Arcadia REALTOR Magazine - September/October 2015