Peninsula REALTOR® Jan/Feb 2016

PeninsulaREALTORreg Digital Magazine

The Official Publication of the Virginia Peninsula Association of REALTORSreg

JAN-FEB 2016

PeninsulaREALTORreg Jan - Feb 2016page 2

PeninsulaPartnersof the Virginia Peninsula Association of REALTORSreg

DiamondAtlantic Bay Mortgage

Wells Fargo Home MortgagePlatinum

Fidelity Bank MortgageREIN Gold

Lytle LawMonarch Bank amp Mortgage Tidewater Home Funding

Silver2-10 Home Buyers Warranty bull C amp F Mortgage Corporation

Langley Federal Credit Union bullLytle Title amp ESCROWMovement Mortgage bull National Exterminating Company

Navy Federal Credit Union bull Old Republic Home WarrantyPillar To Post Home Inspectors bull SunTrust Mortgage Corporation

BronzeMares Exterminating Company bull Miller Walsh Kutz amp LASTER PLC

NARPM PENISULA CHAPTER bull Old Point Mortgage LLC PFG INSURANCE amp EMPLOYEE BENEFITS bull Staged To Sell

The Closers of Virginia bull The Real Estate Book bull Virtual Tidewater

OVER THE YEARS WE HAVE DEVELOPED A SPECIAL PARTNERSHIP WITH MANY OF OUR AFFILIATE MEMBERS WHO HAVE GIVEN SO MUCH FOR OUR

MEMBERS AND ASSOCIATION PeninsulaPartners

FORM A GROUP OF LOYAL HARD WORKING AFFILIATE MEMBERS WHO SUPPORT THE GROWTH AND PROMOTION OF THE ASSOCIATION AND

REALTORreg ASSOCIATION MEMBERSHIPPeninsulaPartners

ATTEND ASSOCATION ACTIVITIES AND EVENTS VOLUNTEER TO SUPPORT THE ASSOCIATION

PROMOTE ASSOCIATION ACTIVITIES SPONSOR ASSOCIATION PROGRAMS AND EVENTS

INTERESTED IN JOINING PeninsulaPartners Call us at 757-599-5222 or click here for a Partner Brochure


Publication EditorJim Wetzel RCE

Chief Executive OfficerVirginia Peninsula Association of REALTORSreg

1001 North Campus ParkwayHampton VA 23666

t (757) 599-5222f 757-596-3911

jimwetzelvparorg

Cindy AndersonDirector of Member Services

Jo McNamara DalyEducation Director amp Event Planner

PeninsulaREALTORreg is published monthly by Virginia Peninsula Association of REALTORSreg as a

service to its membership

Virginia Peninsula Association of REALTORSreg ldquoThe Voice for Real Estatetrade on the Virginia Pen-

insulardquo is your local association of REALTORSreg representing over 1000 local REALTORreg members

and affiliates

As members of Americarsquos largest trade association The National Association of REALTORSreg together we represent over 11 million members including NARrsquos institutes societies and councils involved in all aspects of the residential and commercial real

estate industries

Our membership is composed of residential and commercial REALTORSreg who are brokers sales-people property managers appraisers counselors and others engaged in all aspects of the real estate

industry

The term REALTORreg is a registered collective membership mark that identifies a real estate

professional who is a member of the National Asso-ciation of REALTORSreg and subscribes to its strict

Code of Ethics

COVER PHOTOVPAR Members promote REALTOR Careers at

Local Community Career Fairs

PeninsulaREALTORregDigital Magazine

The Official Publication of the Virginia Peninsula

Association of REALTORSreg2016 Officers amp Directors

PresidentAndy Cohen

President-ElectChandra Patterson

TreasurerCarl Burt

Immediate Past PresidentDewey Hutchins

Directors Stephen AbbittSandra Hood

Eugenia JacksonLindsay Pennington

Crystal Sullivan Robert ldquoSullyrdquo Sullivan

Amanda Walsh Patierno CEO

Jim Wetzel RCE

Advertising PolicyWhile this magazine makes reasonable effort to establish the integrity of its advertisers it does not endorse adver-tised products or services unless specifically stated The publisher reserves the right to reject any advertisement at anytime Advertisements refused may include but are not limited to those that are legally questionable that may support products or services of questionable standards or that are inconsistent with the high professional standard of the Code of Ethics of the Association Advertising is open to REALTORreg members member firms affiliate members and non-members Product advertising is limited to resi-dential subdivisions commercial or industrial units and real estate related products and services excluding per-

sonal listingsEqual Opportunity Policy

VPAR is pledged to the letter and spirit of US policy for the achievement of equal housing opportunity The Asso-ciation encourages and supports an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race color elderliness reli-

gion sex handicap familial status or national originNotice

VPAR does not fix control recommend suggest or main-tain commission rates or fees for services

rendered by cooperating members or non-members


PeninsulaAffiliatesof the Virginia Peninsula Association of REALTORSreg

1st Advantage Federal Credit Union Jessica Cecil (757) 877-24442-10 Home Buyers Warranty Carolyn Ricketts (571) 606-8051Alpha Pest Solutions Sindi Rowell (757) 873-4999Amerispec Home Inspection Jamison S Brown (757) 868-0988Atlantic Bay Mortgage Group Kim Niccum (757) 874-6040Bankers Title LLC J Vance Stallings (757) 645-9327BB amp T Mortgage of Virginia Donna Davis (757) 873-6001BridgeTrust Title Group Raynelle Ricks (757) 671-7413CCW Construction Christopher Walker (757) 719-0520CampF Mortgage Mary Rebholz (757) 873-8200Coleman amp Coleman PLC Donnie Coleman (757) 965-8482Coleman World Wide Moving Allied David Carter (757) 827-6225Colonial Exterminating Co Kimberly Beckett (757) 599-0889Commonwealth Exterminating Johnny Newell (757)873-2030Comparity LLC Michael Vernon (757) 333-0705Cox Communications Misty Pritchett (757) 222-8394Creative Chameleon Media Karen D Lawson (804) 694-7586ET Lawson amp Son Inc Nancy L Allen (757) 722-1928Fidelity Bank Mortgage Nina C Efird (757) 597-0431First American Home Buyers Pro Jamie Cook (757) 390-8785Flemings Awards amp Promotional Fleming A Buck (757) 229-5688Fulton Mortgage Company Ryan Mutter (757) 223-4330HMS Home Warranty Amy Holloway (757) 472-5602Home Title of Virginia LLC Peggy H Truitt (757) 599-4663Home Warranty of America Tina Carneal-Flowers (757) 675-1185Johnson Mortgage Company LLC Allen Barber (757) 873-1287Jones Blechman Woltz amp Kelly Herbert Kelly Esq (757) 873-8000Kaufman amp Canoles PC Mark A Short (757) 873-6351Langley Federal Credit Union Tammy Gelles (757) 827-7200Liberty Title amp Escrow Michael Hamar (757)926-5255Lytle Law PC Brian D Lytle (757) 595-5655Lytle Title amp Escrow LLC Heather Fuller (757) 643-7899Mares Exterminating Co LLC Thomas Mares (757) 868-4898Miller Walsh Kutz amp Laster PLC Julianne Cyr (757) 595-0123Monarch Mortgage Andrew Jordan (757) 870-5445D Wayne Moore Esq (757) 873-7700

Please join us in supporting our Affiliate Members by contacting them today Become an Affiliate here

Movement Mortgage David Wright (757) 717-0248NARPM Peninsula Chapter Russ Skidmore (757) 715-3070National Exterminating Co Phillip Burke (757) 599-3621Navy Federal Credit Union Karen Arient (877) 573-2324 ext21237Old Point Mortgage LLC Sherry Thacker (757) 591-5847Old Republic Home Protection Brett Cole (703) 217-8848OVM Financial Inc Chip Simkins (757) 713-2600Peerless Carpet amp Restoration Rebecca Shultz (757)847-6300Peninsula Title Company Robin B McArthur (757) 595-2536PESTOUT Glen Workman (757) 223-9902PFG Insurance amp Benefits Derry Haywood (757) 873-4508Pillar to Post Home Inspection Cathi Lynch (757) 870-4073PNC Mortgage Elyse Callaway (757) 599-6882PrimeLending Mike Hartnett (757) 368-9910Prof Termite amp Moisture Control Patrick Rogan (757) 599-3167Prospect Mortgage Ilonka Avila (757) 873-4728Prosperity Mortgage Kevin Hull (757) 490-9200Pro-Tech Exterminating Inc Bob Herget (757) 224-1339REIN Joan Griffey (757) 531-7900Reliance Pest amp TermiteInc Wayne Kessinger (757) 485-5005Servpro of Hampton Missy Burns (757) 825-9700ServiceLink Raquel Linger (757)254-8352Staged 2 Sell Therese Robinson (757) 344-5322Suntrust Mortgage Corporation Tricia Gentry (757) 873-7920Terry Peterson Residential John Peterson (757) 460-1770The Closers of Virginia Inc Bella Trowbridge (757) 595-4707The Real Estate Book Bill McFall (757) 873-6731Tidewater Home Funding Gee Horton (757) 757-223-9494Tidewater Mortgage Services Bob Teravainen (757) 594-6165TowneBank Mortgage Shirley Sasser (757) 687-5000US Inspect Inc Kevin Salva (757) 254-2960Universal Pest amp Termite Inc George Pilkington (757) 502-0200VA Housing Development Authority Janice Burgess (800) 227-8432VA Peninsula Chamber of Commerce Mike Kuhns (757) 325-8170Virtual Tidewater Rosalind Boyle (757) 880-6422Wells Fargo Home Mortgage Teresa Rutherford (757) 873-3308


And Then Some

We do more than sell houses We do more than guide our clients and custom-ers through the intricacies of the home buying or selling process We do more than is required of us by state and national statute As REALTORSreg we do these thing and then some I have been reminded of this often over the past month

On February 2 the VAR Roadshow visited the VPAR building No song and dance this The Roadshow is a required Code of Ethics and procedures update for Associa-tion Board and Professional Standards Committee members At VPAR this is an annual requirement The Code and itrsquos enforcement is among the things that set Realtors apart from other licensees

At the VAR Legislative Conference in Richmond we were reminded of the importance of our RPAC investment and the positive effects it has on legislation that best serves not only us but home-owners buyers and sellers I was pleased and proud to join in being presented the ldquoTriple Crownrdquo trophy for meeting and exceeding our 2015 goals for participa-tion dollars raised and number of major

donors Thanks are due to 2015 Presi-dent Dewey Hutchins and RPAC chair Carla Carney for a job well done Among the fruits of our efforts is the ear and sup-port of our local General Assembly delega-tion who met with us in their offices and at a reception that was also attended by Governor McAuliffe

On February 23 we welcomed more than two dozen new members to VPAR They learned and I was reminded about the myriad of resources that are available to each of us from VPAR VAR and NAR I encourage you to take advantage of them

Finally take a look at our VPAR partners and affiliates Their involvement with the Association allows us to make more programs and educational opportunities available to us When you see them please thank them and if they provide a service that you can use please keep them in mind

Happy selling

Presidentrsquos Messageby Andy COHEN 2016 VPAR President


PeninsulaREALTORreg Membership By Cindy Anderson Director of Membership

WELCOME NEW REALTORSregClinton Allen Rose amp Womble Realty Company James Beal Abbitt Realty Company LLC

Charles Blount Preferred Properties Kim Borum Berkshire Hathaway HomeServices Towne Mindy Bowman Abbitt Realty Co LLC Benjamin Canty greg garrett realtycom

Monteiro Chamblee Willow Beach Real Estate LLC Shirley Charles greg garrett realtycomLelani Clayton Coldwell Banker Traditions John Gorman Keller Williams Elite - Pen

Marcela Graham Mid-Atlantic Residential Michelle Guthrie REMAX CapitalJillian Hooper Rose amp Womble Realty Company Ashley Horak Keller Williams Elite - Pen

Tresa Maynor Mid-Atlantic Residential Kathleen McKone Rose amp Womble Realty CompanyRebecca Montreuil-Silvis EXIT Real Estate Solutions Beth Posada Keller Williams Elite - Pen

Valerie Shelton Keller Williams Elite - Pen Ronnie Snipes Keller Williams Elite - PenJulie Strelow Fathom Realty Daniel Zarkowski Abbitt Realty Co LLC

RECENT TRANSFERSMaria Araiza Howard Hanna-William E Wood Edward V Bond Howard Hanna - William E Wood

Nancy S Bonnema Berkshire Hathaway HomeServices Towne RealtyChiffon Bradshaw Willow Beach Real Estate LLC Sammie Buckhanon Keller Williams Elite - Pen

Victoria Burland Brian F Saunders amp Associates Tracie Burton Keller Williams Elite - PenDeborah Eggers Keller Williams Elite - Pen Kimberly Gonzalez Keller Williams Elite - Pen

Sabrina Hack Keller Williams Elite - Pen Sabrina Hite REMAX PeninsulaKim Hoskins Keller Williams Elite - Pen Jessica Lucas Keller Williams Elite - Pen

Jon E May Fathom Realty Lorri McDonald Keller Williams Elite - PenKristi McKittrick Rose and Womble LLC Pamela Murphy ERA Real Estate Professionals

Jake OrsquoBryan Abbitt Realty Co LLC Tracy Prince Keller Williams Elite - PenPatsy G Sheppard Keller Williams Elite - Pen Carol A Sobieski CENTURY 21 Nachman Realty

David Tortolini Keller Williams Elite - PenRay Upright Howard Hanna - William E Wood Rachael Ward Brian F Saunders amp Associates

WELCOME NEW AFFILIATES Christopeher Walker CCW Construction

Michael Vernon Comparity LLC Sherry Thacker Old Point Mortgage LLC

adapted homes for severely injured post-911 veterans Each home is built with features that accommodate the needs of the veteran and offered mortgage-free so that the veteran can focus on recovery and rebuilding a healthy life Operating for 11 years Homes for Our Troops has built over 190 homes across the United States and currently has five projects underway in Virginia The organization is top-rated for financial stewardship and operations and works carefully with each veteran on homeownership readiness and responsibility

In August 2015 the Virginia Association of REALTORSreg became a regional corpo-rate partner of Homes for Our Troops in a lasting commitment to the housing needs of Virginia veteran and military families With hundreds of contributors and over $60000 in the first few months of part-nership REALTORSreg across the state are engaged in supporting the projects underway and the veterans in their com-munities

One of the first homes that Virginia REAL-TORSreg and HFOT built is located in York County The event during which the key is presented to the injured veteran will be held on March 6 2016 VPAR has been conducting outreach to area elected of-ficials inviting them to attend this special morning VPAR members can learn more details by visiting httpswwwhfotusaorgslate


The PeninsulaMonitor by Susan Gaston LEGISLATIVE CONSULTANT

Monthly Public Policy Report

ldquoTHE MONITORrdquo February 2016

Local Issues

Newport NewsVPAR is coordinating with the Wason Center for Public Policy at Christopher Newport University regard-ing public dissemination and media po-tential for the recently produced housing needs study and market needs analysis The study is a resource to the decision makers in the region particularly in the City and we want to position the Associa-tion as a leading organization in formulat-ing future housing policy

PoquosonMark your calendars for Friday May 6th The City is hosting its annual Residential REALTORreg Day where VPAR members can hear from City leaders tour the ldquoBull Islandrdquo and have a Fun Friday Been there done that Donrsquot worry VPAR is work-ing with the City to reformat the popular event so that it is new to even repeat at-tendees More to comehellip

York County Last year the Virginia Association of RE-ALTORSreg (VAR) partnered with Homes for our Troops (HFOT) a national non-profit organization that builds specially

Regional Issues

Local voters will go to the polls in Hamp-ton and Newport News on Tuesday May 3rd Hampton elections will include voting for Mayor and three At-Large City Council seats with Mayor George Wal-lace and Council Members Linda Curtis Billy Hobbs and Chris Snead all seeking re-election Other candidates likely will be coming forward before the March 15th filing deadline

In Newport News three incumbents will be seeking re-election to City Council In the Central District incumbent Pat Wood-bury will be challenged by Mike Mullin Councilman Rob Coleman in the North District currently is running unopposed as is South District Councilwoman Tina Vick

VPARrsquos Public Policy Committee will be conducting candidate interviews for the purposes of endorsing pro-housing pro-business candidates and supporting their campaigns with funds from the REAL-TORSreg Political Action Committee (RPAC) of Virginia

State Issues

At the time of this writing the 2016 General Assembly Session has reached the halfway mark and is in the final two weeks of legislative work REALTORreg bills are in strong shape as the House and

Senate finalize committee action

HB 577AgencyLicensing Law Revisions Passed the House 97-0 020316Passed the Senate 40-0 022516On Governorrsquos Deskhttplisvirginiagovcgi-binlegp604exe161+ful+HB567+pdf

HB 577 InterpleaderEscrow Accounts Passed the House 98-0 020216Reported from Senate Courts of Justice Committee 022416httplisvirginiagovcgi-binlegp604exe161+ful+HB577+pdf

HB 684POACOA Amendments Passed the House 99-0 021016Reported from the Senate General Laws amp Technology Committee 15-0 022216httplisvirginiagovcgi-binlegp604exe161+ful+HB684+pdf

SB 453Licensing of Home Inspectors Passed the Senate 30-9 012916Passed the House 100-0 022216On Governorrsquos Deskhttplisvirginiagovcgi-binlegp604exe161+ful+SB453+pdf

A more detailed legislative report will be forthcoming as more bills report out of Committee and move off of the floors


The PeninsulaMonitor Continues


2016 REALTOR Day on the HillRichmond VA

Virginia Peninsula Association of REALTORSawarded the 2015 RPAC Triple Crown

at the RPAC Awards Ceremony

Recognized for Meeting amp Exceeding2015 RPAC Fundrasing Goal

2015 RPAC Participation Goal2015 Major Investor Goal

Shown accepting award Dewey Hutchins 2015 President Carla Carney 2015 RPAC Chair Karla Grase RPAC Vice Chair Andy Cohen 2016 President Jim Wetzel CEO and

Bill White 2016 VAR President


The PeninsulaMarket by the Virginia Association of REALTORSreg

January 2016 Homes Sales Report Steady start to the Virginia housing market in new year - Median sales price up more

than 3 percent YOY - January 2016 residential real estate sales top $174 billionAccording to the Virginia Association of REALTORSreg (VAR) January 2016 Home Sales Report residential real estate sales in the first month of the year reflected typical indus-try seasonality Historically January is the slowest month for home sales and this year was particularly affected by a catastrophic winter weather event Despite significant disruption to market activity from Winter Storm Jonas volume declined by less than one percent year-over-year remaining near static with January 2015 Median sales price rose year-over-year contributing to a higher total transaction value than January 2015 The value of transactions in January 2016 exceeded $174 billion an outperformance of the same month last year despite near even sales numbers Median sales price for Janu-ary 2015 rose 326 percent from the same period last year from $237750 to $245500 and more than 7 percent from January 2014 ($228380) Year-over-year elevation indi-cates sustainable market improvement Read the full report here


Federal Issues

NAR TESTIFIES ON VETERANSrsquo HOUSING

On Feb 10 NAR 2016 Vice President Sherri Meadows testified before the House Veterans Affairs Subcommittee on Economic Opportunity at a hearing entitled ldquoA Review of VArsquos Loan Guaranty and Specially Adaptive Housing Grant Programs (SAH)rdquo The testimony focused on long-term REALTORreg support for the VA home loan guaranty and the benefits it provides our nationrsquos veterans According to the 2015 NAR Homebuyer and Seller Survey one in five buyers was a veteran or active duty service member NAR recommends all REALTORSreg ask their clients if they have ever served as this program provides zero-downpayment loans and favorable terms to eligible veterans

In the testimony Meadows asked for three enhancements to the program to make it even more useful for veterans 1) increase the loan limits for VA VA is not just another loan program - itrsquos an entitlement Veterans should not be prohibited from using their guaranty in high cost areas 2) ease restrictions on what the veteran can pay in the mortgage transactions Veterans are often disadvantaged when bidding on a home due to their inability to negotiate certain fees and 3) incentivize lenders to offer

an FHA 203k-type product for veterans This type of loan includes the costs of rehabilitation and repairs and could allow veterans better access to homes that need some work

NAR also supported increasing efficiency in the specially-adapted housing (SAH) grant programs and urged the Committee to make the VA loan as useful as possible for all our nationrsquos veterans so it may be a real benefit to those who have so bravely served our country

Watch the video here httpswwwyoutubecomwatchv=VW_srZ1yUcw

HOUSE PASSES VA LOAN BILL

In early February the House of Representatives passed legislation which included a provision to eliminate the cap on VA loan limits The bill HR 3016 ldquoVeterans Employment Education and Healthcare Improvement Actrdquo sponsored by Rep Wenstrup (R-OH) included an amendment added by Rep Zeldin (R-NY) in Committee that would allow veterans to purchase a home in high cost areas by eliminating the maximum loan amount on VA loans As stated in the accompanying report ldquoThe Committee is confident VArsquos current strict underwriting standards and low foreclosure rates will ensure that veterans still have the required good credit and income to qualify for the loan and that this change will not


The PeninsulaMonitor continued


result in a significant increased amount of foreclosuresrdquo NAR has long supported the VA home loan guaranty program and believes that as an entitlement program our nationrsquos veterans should have the freedom to purchase a home wherever they choose to live

Should you have questions on these or other issues or for additional details please contact Susan Gaston VPARrsquos Legislative Consultant at 757-871-1445 or at susangastongroupcom



Commuting Costs Important to Home Buyers

Even with plunging gas prices the cost of commuting to and from the office can be pricey (as well as stressful) But how much does that commute play into the homebuying process According to research from the National Association of REALTORSreg commuting costs defi-nitely come into play in searching for and purchasing that dream home in fact 30 percent of homebuyers purchased homes last year to cut down on commut-ing costsmdasha factor they cited as ldquovery importantrdquo Additionally 64 percent of buyers bought their home in part because it was convenient to their job this was so important that 23 percent of those buyers said they compromised on the price of their home to be physi-cally closer to work mak-ing more time for the other important things in their life such as spending time with friends and family

Take a look at NARrsquos 2015 Profile of Home Buyers and Sellers Read more about this topic on NARrsquos Econo-mistsrsquo Outlook blog

The PeninsulaMarket Tips


REALTORSreg amp RESPA

Are Realtors Getting Reli-gion

Most Realtors are aware of the anti-kick-back provi-sions of the

Real Estate Settlement Procedures Act ldquoNo man shall giveth Yea neither shall he receiveth any thing of value to God or Mammon pursuant to any covenant under the heavens that calleth for referrals of settlement servicesrdquo Book of RESPA 84

This well-known proverb articulates the received wisdom of Congress that refer-ral fees unnecessarily add to the cost of settlements and thus make housing less affordable for Godrsquos children Not every-one agrees however RESPA expert Phillip Schulman for instance has articulated a three-part test to determine the legality of any particular activity under RESPA First Does the activity make business sense that is does it tend to increase efficiency decrease waste and lower costs Second Does the activity benefit the parties to the transaction (here the brokers borrowers buyers and sellers) And finally Would the activity be permitted in almost any

other arena of commerce as accepted and ethical business practice If the answer to all three questions is yes then the activity says Schulman is almost certainly illegal under RESPA

The essence of Section 8 of RESPA seems to be that while the business expense of a targeted and highly effective referral fee paid by a lender to a referral source must be recovered by the lender in the form of higher loan costs the highly inefficient ad-vertising that replaces the referral source does not You can decide what to make of that argument

However we have to live with the RE-SPA prohibition against paid referrals as valueless acts that serve only to drive up costs But even RESPA acknowledges that it is legal to be paid for services actually performed up to the value of the services if the services are not referrals (which by definition have no value) And it is legal to refer business to an entity of which you are an owner as long as your compen-sation is based on your profit from the entity and not linked to the referral per se And thereon hangs an interesting tale

Lenders and other settlement service pro-viders long ago discovered that offering a piece of the pie to sources of referrals made good business sense Thus we have seen a proliferation of real estate broker-

Risk ManagementREALTORSreg and RESPAby Blake Hegeman CAE Deputy General Counsel


Risk ManagementREALTORSreg and RESPAby Blake Hegeman CAE Deputy General

lender lender-title company broker-settlement agency joint ventures over the years These couplings make great sense and afford the participants incentives to refer business to the joint venture partner This type of relationship does not violate RESPA if the benefit accruing to the referral source is strictly according to ownership interest in the benefited entity and the consumer to whom a referral is made is given the RESPA Miranda warning ndash basically that the person making the referral may benefit from it that the service will cost a certain amount and that the consumer might find the service cheaper elsewhere These relationships are legal and ethical and can be quite beneficial

Now because RESPA permits service pro-viders to pay for service actually performed some have tried ndash with varying degrees of

success ndash to skirt RESPA by paying more than the service is worth or for duplicative efforts or even for only nominal ndash or no -- service These ldquodisguisedrdquo referral fees are illegal and much despised by HUD who seeketh after them like the righteous man seeketh after salvation

That brings us to a more recent phenom-enon the efforts of some mortgage brokers and lenders to avoid the strictures of RESPA by hiring referral sources as employees and paying them for work they do as employees Of course much or all of that work will be for clients referred by the employee but if the employeremployee relationship is bona fide and the salary is for -- and commen-surate with -- services actually performed the relationship can be legal Itrsquos likely that HUD will apply something like the IRS test to determine whether the employee really is an employee and virtually everyone acknowledges that merely giving the ldquoem-ployeerdquo a W-2 and calling her an employee will not be enough



We also need to be aware of another limita-tion imposed by Virginia law even when the labyrinth of RESPA has been negotiated The Virginia Mortgage Lender and Bro-ker Act provides in Section 61-422 that a person may not receive a fee as a mortgage broker and a real estate broker for services performed in the same transaction unless the person was licensed and regularly engaged in mortgage brokerage in Virginia as of Feb-ruary 1989 This resolution of a turf battle between mortgage and real estate brokers was weakened by a provision permitting real estate brokers (but not salespersons) who are owners of a real estate firm to own

an interest in a mortgage lender or broker and to profit from such investment and be compensated for services actually performed for those entities But the prohibition on dual brokerage fees to non-grandfathered persons persists

These are only a few examples from the veritable patchwork quilt of efforts to overcome RESPArsquos prohibition on referral fees Perhaps what Realtors need most to be aware of is that HUD approaches what it sees as RESPA violations with a fervent zeal displayed few other places If you are look-ing for a way to receive a fee for referring settlement business look for another way to make a buck If yoursquore willing to work le-gitimately for a service provider and get paid for the value of what you do -- and no more ndash there are opportunities out there awaiting

NEW Womens Council of REALTORSreg Coastal Chapter at VPAR


PeninsulaREALTORreg UPCOMING EVENTSby Jo McNamara Daly Director of education and events

Save The Dates

March 5th - OSC Awards Banquet at City Center

March 22nd - Lunch amp Learn SEO

April 12th - VRLTA Seminar with Chip Dicks

April 19th - General Membership Meeting at VPAR

May 9th - 14th - NAR Legisilative Conference in DC


Ready To Get StartedCONTACT ATLANTIC BAY TODAY

For examplehellip A borrower age 72 with a purchase price of $200000 would require ONLY $92000 at closing for the Reverse Mortgage

Homeowner continues to pay insurance and property taxes live in and maintain home Home must be primary residence Program not currently available in all states People portrayed are professional models and are used for illustrative purposes only Terms and conditions subject to change without notice Consult your tax advisor before choosing a reverse mortgage

Clients Mustbull Be 62 or older to qualify (at least one person-can have younger spouse as non-borrower to

qualify)

bull Own your home outright (or have a low mortgage balance that can be paid off at closing with proceeds from the reverse loan or have a large down payment to purchase)

bull Have the financial resources to pay ongoing property charges including taxes and insurance

bull Live in the home

You donrsquot make payments while you live in the house but the loan and interest come due when you sell move out for 12 months or more or last person leaves the house permanently

DAWN ST CLAIR PHILLIPSSr Mortgage BankerNMLS 115936757-715-5733dawnphillipsatlanticbaycomatlanticbaycomdawnphillipscom

Did you knowYOU CAN USE A REVERSE MORTGAGE TO PURCHASE A HOME

ARE YOU CONSIDERING MOVING CLOSER TO YOUR FAMILY OR DOWNSIZING TO A HOME THAT BETTER SUITS YOUR NEEDSOR LOOKING TO STAY IN YOUR HOME AND NEED ADDITIONAL INCOME




The PeninsulaRealEstateSchoolby Jo Mcnamara Daly Director of Education amp Events

2016 Continuing Education Classes Location

VPAR Building 1001 North Campus Parkway

Hampton VA 23666 757-599-5222

Payment MUST be made at time of registration Register online at membersvparorg and click on Member Service Center to login or complete this form and fax to 757-596-3911 or email to jovparorg VPAR reserves the right to cancel a class if less than 10 people are registered Students must give 48 business hours notice of cancellation for a full refund

Please notify us in advance if you have a disability that requires special services

8-HR Required CE Class Dates Tuesday Jan 12 Tuesday July 12 Tuesday Feb 9 Tuesday Aug 9 Tuesday Mar 8 Tuesday Sept 13 Tuesday Apr 5 Tuesday Oct 11 Tuesday May 10 Tuesday Nov 8 Tuesday June 21 Tuesday Dec 6

All 8 Hour Classes are from 830 ammdash530 pm

Code of Ethics (Meets NAR Quadrennial Requirements) amp Code of Conduct

Fair Housing Legal Updates amp Emerging Trends (Law) Flood Insurance amp Flood Map Instruction Real Estate Contracts Real Estate Agency

8-HR Elective CE Class Dates

Thursday Feb 16 Tuesday Sept 20 Tuesday May 17 Tuesday Nov 15

Anti-Trust Disclosures Professionalism Safety Do-Nots

3-HR Code of Ethics Course

Thursday November 3rd from 1ndash 4 pm Thursday December 8th from 1-4 pm

More dates to be added soon Meets NAR Quadrennial Requirements

Peninsula Real Estate School owned and operated by

Virginia Peninsula Association of REALTORSreg

Registration Form

Name Company Address City State Zip Phone Email License ______ Exp Date _

Method of Payment

Check Invoice Office Visa MasterCard AMX Discover Card Name on Card ____________________________ Credit Card _____ Exp Date Signature _____ Name on Card _________________________ Amount Due (check appropriate box) 8-Hour Course VPAR Member $50 8-Hour Course Non-Member $60 3-Hour Ethics Course VPAR Member $30 3-Hour Ethics Course VPAR Non-Member $35


Chip Dicks VAR Legislative

Counsel

The Virginia Peninsula Association of REALTORSreg in cooperation with

The Virginia Association of REALTORSreg presentshellip

VRLTA Update with Chip Dicks

Get the information you need on the updatedVirginia Residential Landlord Tenant Act

Tuesday April 12th 2016 900 am ndash 400 pm

_________________

$12500 per member $13000 per non-member

Virginia Peninsula Association of REALTORSreg 1001 North Campus Parkway Hampton 23666

Sponsor LUNCH INCLUDED

VRLTA Update with Chip Dicks ndash April 12th 2016Pending REB Approval for 3 Hours Legal Update amp 3 Hours Real Estate Related CE

Pending REB Approval for 2 Hours of Current Industry IssuesTrends Course will be submitted for approval at the end of the general assembly session to include anyall changes in the VRLTA

NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL

Method of PaymentCheck ____ Visa MasterCard____ Discover___ AMX____

Credit Card Exp date

Signature(Your signature indicates acceptance of VPAR registration policy and authorization of credit card charges)

Name on credit card_______________________________________

PLEASE RETURN TO VPAR AT FAX NUMBER 757-596-3911 MAIL TO VPAR 1001 North Campus Parkway Hampton VA 23666 or register online at membersvparorg

QUESTIONS CALL 757-599-5222Cancellations must be received within 48 hours of the event to receive full refund On-site registration fee is $135 Please notify us in advance if you have a disability that requires special services

bull Get up to speed on the recent changes to the Virginia Residential Landlord and Tenant Act

bull Designed for both real estate brokers and sales persons this course offers a detailed review of lease applications

bull A ldquohow tordquo guide for broker agent compliance bull The awareness and information you need to protect your

business

Approved for

6 hrs CE and 2 hrs PL Credit


REINMLScom ndash A Valuable Member Resource

This year REIN unveiled a new and improved REINMLScom website If you havenrsquot logged in yet please be sure to do so and take advantage of all the site has to offer

If you have never been to REINrsquos member website and are wondering what it offers think of it as a ldquohubrdquo to all things REIN‐related From REINMLScom you can access Fusion and Matrix find market statistics and graphs the current monthrsquos training calendar PDF copies of REINrsquos contracts and forms and much more You can even access your membership account to review and pay invoices online

The new mobile friendly website offers you a fresh look eye‐catching graphics and improved navigation that makes information easy to find Plus two great new featureshellip

A lsquoSYSTEM STATUSrsquo section has been added to the home page of the website to identify when REINrsquos MLS systems and programs are experiencing known issues such as updates service interruptions or down time

The second new feature is lsquoASK REINrsquo ndash a robust technical support module ASK REIN allows you to search online documentation that can help you troubleshoot commonly asked technical questions and if you canrsquot find the answers you are searching for then you can lsquoSubmit a Support Requestrsquo to REINrsquos Tech Support Department directly from the website

To access the full benefits of REINMLScom members must log into the site using their REIN ID and a password If you have not already done so please establish a password for this website by clicking on lsquoChangeForgot Passwordrsquo located next to the green Log In button in the top right corner of the screen Then check your email for a link to reset your password If you still cannot log into the site please contact REINrsquos Tech Support at 7575317901 or supportreininccom

Check it out today wwwREINMLScom


Scenes From Our January Social At BJrsquos at Tech Center amp February at UNOrsquos

THANKS TO OUR ALL SPONSORS MARES Exterminating AT BJrsquos andFidelity Bank Mortgage at UnOrsquos

Vpar SOCIAL HAPPENINGS


The Virginia Peninsula Association of REALTORSreg presentshellip

The Accredited Buyer Representative Designation

(Approved for 13HRS CE credit)

Instructor Pat Snyder

Accredited Buyer Representative Designation Course ndash April 7 amp 8 2016

NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL

Method of Payment Check


Signature (Your signature indicates acceptance of VPAR registration policy and authorization of credit card charges) Real Estate License Exp date


QUESTIONS CALL 757-599-5222 Cancellations must be received within 48- business hours of course to receive a refund Registrations are

non-transferable On-site late registration fee is $325 VPAR RESERVES THE RIGHT TO CANCEL THE COURSE IF MINIMUM REGISTRATIONS ARE NOT MET


Thursday amp Friday April 7 amp 8 2016 830 am ndash 500 pm

APRIL IS A SPECIAL DISCOUNT MONTH (REGULAR MEMBER RATE IS $295)

VPAR Headquarters Training Room A 1001 North Campus Parkway Hampton VA 23666 Early Bird Pricing before April 1 by NOON

Members $255 Non-Members $275

Register after Members $275 Non-Members $300

On-site registration fee is $325


VPAR Peninsula Partners include the following loyal firms who have stepped up to support VPARevents and education throughout the year This program reflects a commitment to provide REALTORreg

members with the best business environment while connecting to industry professionals whoprovide valuable products and services It is designed to create a unique partnership between

sponsors and the Association where both members and sponsors benefit greatly through the abilityto network exchange ideas and conduct business


VPAR Members Supporting Our Communities atThe Poquoson Neighborhood Food Distribution

for the Peninsula Food Bank


CONTACT A LOCAL LOAN OFFICER AT 1-877-573-2324gt KIMBERLY CRESS EXT 21238gt LASHEKA PEARSON-PARKER EXT 21210gt NATASHA THOMAS EXT 21104

Federally insured by NCUA 100 financing loans include an additional funding fee which may be financed up to the maximum loan amount Product features subject to approval copy 2016 Navy Federal NFCU 13490 (2-16)

THEYrsquoLL ENJOY

gt no application feegt 100 financing optionsgt up to 6 seller contribution allowed

HELP YOUR CLIENTS UNLOCK THE DOOR TO THEIR FIRST HOME

13490_Peninsula_Realtor_Mag_Ad_2_162indd 1 2416 202 PM


smile you can have 2-10 Home Buyers Warrantyreg

on your team with our industry leading Home

Warranty Service Agreement

bull Over 55 million homes protected

bull Over 975 of claims paid

bull A Rating with the Better Business Bureau (BBB)

Carolyn Ricketts Account Executive5716068051| cricketts2-10com

Defeated a 500 Increase We helped to defeat a budget amendment that would have increased the deductible that property owners including

YOUR clients pay to have their leaking underground oil tanks cleaned up and repaired by 500 The current $500 deductible was proposed to go up to $2500

The petroleum tank increase was a budget amendment

Prison time 1 to 6 years We added a felony charge to any criminal who lures or entices a REALTORreg to a property with the intent to do harm

The added felony will increase a criminalrsquos sentence by up to 6 years The 1-6 years are the statutory sentencing guidelines

Save $150 - $500hr on attorneysrsquo fees We continued to refine legislation that allows property managers to represent your clients in General District court

without needing an attorney So how much would your attorney charge per hour Typically attorney fees range from $150 - $500hr

$12000 back to consumers Under a new law that VAR drafted we have made it easier for Virginia consumers who have received a court judgment to

collect damages from the Real Estate Transaction Recovery Fund The average claim is approximately $12000 The $12000 figure is an estimate by the DPOR finance staff on the average claim that comes before the Board

Wiped out $200per Sign Fines We worked with a state legislator to prevent a proposal creating daily fines of $200 for any sign in any public right of

way How often do you use such signs for your listings 10 days for 1 sign = $2000 The $200 per sign was the language in the proposed bill VAR was able to stop

Keep RPAC of Virginia working for you Without your support RPAC cannot remain a powerful voice on key legislative issues Your dollars help us make our voice heard

Visit VirginiaRealtorsChoosecom

RPAC of VIRGINIA VICTORIES BY THE NUMBER$

RPAC makes a difference Just look at the numbers


January 2016 Virginia residential real estate sales showed typical industry seasonality January tends to be the slowest month for home sales and this year was particularly affected by catastrophic Winter Storm Jonas In spite of blizzard conditions that halted market activity for several days sales volume was nearly on par with the same month last year The value of transactions in January 2016 exceeded $174 billion an out performance of the previous January Median sales price rose 326 percent year-over-year and more than 7 per-cent from January 2014 Year-over-year elevation indicates sustainable market improvement Click here for the complete report httptinyurlcomj7k254s

Full service marketing amp innovative mobile platformsall designed with your business in mind

NMLS 176544 Member FDIC

MonarchWhere homebuying dreams take flight


RealEstateBookcomPRINT - WEB - MOBILE - SOCIAL - DIRECT MAIL

Featuring250 characters25 per lineEast WilmingtonRutherford Grand LakesArington Hills CoolidgeElrot Florence GilbertGold Canyon King andQueen Cedar CrestBristol Newport JacksonMadison ElbertvilleBarrowALL ACROSS NORTH AMERICA

THERealEstateBookreg

Volume 00 Issue 00

RealEstateBookcomPRINT - WEB - MOBILE - SOCIAL - DIRECT MAILTo see a sample listing on your smartphone Text T312634 to 85377

Learn more at RealEstateBookMediaKitcomFor FREE MAGAZINES or to ADVERTISE visit our website or call 800-841-3401

Bill McFallMarket Representative

The Market Leader in Hampton Roads VA amp North America

780 Pilot House Drive Building 400B Newport News VA 23606

office 757-873-6731 bull cell 757-286-6731 bull fax 757-273-8275email billmcfallcoxnet

wwwRealEstateBookHRcom

Termite Control Warranty Termite amp Moisture Inspection Reports Termite amp Moisture Damage Repairs Integrated Pest Management Bee amp Wasp Treatment amp Removal Specialized Rodent Control Prompt amp Quality Service

Bed Bug Service Dehumidifier Sales and Installation Moisture amp Fungus Control Review of Inspection Report with Agent Property

Manager ADVANCE Termite Colony Elimination System

Reach us on the Peninsula and Southside

Phone 757-599-3621 Fax 599-5867

Email bugmasternationalexterminatingcom

ldquoRecognized in the Top 100 exterminating companies nationwide by PCT since 2003rdquo

ldquoDelivering quality services and value to all of our customers with consistent output and continuous attention to detailrdquo

12484 Warwick Boulevard Newport News VA 23606

SPECIALIZING IN TERMITE AND PEST CONTROL WARRANTY FOR SOUTHEASTERN VIRGINIA





Phone 757-599-3621 Fax 599-5867






Interested in advertising your company Click here for our 2016 Adverstising Information

or call us at 757-599-5222 today


The PeninsulaPerspective by Jim Wetzel RCE CEO

Nobody will ever deprive the American people of the right to vote except the American people themselves and the only way they could do this is by not voting

Franklin D Roosevelt

This past week I was honored to attend our REALTOR Legislative Meetings in Richmond VA together with our members arriving from all corners of the commonwealth We arrived with a common mission of taking our message to our legislators on the many ways we can improve the real estate industry and homeownership opportunities in our communities

With pride our members spoke of the improvements in the real estate indus-

try over the past year and highlighted our recommendations on how together REALTORS and our legislative partners can make things even better in the years ahead We highlighted important chang-es that we felt would make not only the industry better but the lives of all who call Virginia their home

We spoke together and our legislators listened We made a difference

On March 1st the process of selecting our next President of the United States begins We have listened to the debates been inundated by the media heard from the political commentators and heard the endorsements

Now it is time for us to speak We can make a difference one vote at a time



PeninsulaPartnersof the Virginia Peninsula Association of REALTORSreg

DiamondAtlantic Bay Mortgage

Wells Fargo Home MortgagePlatinum

Fidelity Bank MortgageREIN Gold

Lytle LawMonarch Bank amp Mortgage Tidewater Home Funding

Silver2-10 Home Buyers Warranty bull C amp F Mortgage Corporation

Langley Federal Credit Union bullLytle Title amp ESCROWMovement Mortgage bull National Exterminating Company

Navy Federal Credit Union bull Old Republic Home WarrantyPillar To Post Home Inspectors bull SunTrust Mortgage Corporation

BronzeMares Exterminating Company bull Miller Walsh Kutz amp LASTER PLC

NARPM PENISULA CHAPTER bull Old Point Mortgage LLC PFG INSURANCE amp EMPLOYEE BENEFITS bull Staged To Sell

The Closers of Virginia bull The Real Estate Book bull Virtual Tidewater

OVER THE YEARS WE HAVE DEVELOPED A SPECIAL PARTNERSHIP WITH MANY OF OUR AFFILIATE MEMBERS WHO HAVE GIVEN SO MUCH FOR OUR

MEMBERS AND ASSOCIATION PeninsulaPartners

FORM A GROUP OF LOYAL HARD WORKING AFFILIATE MEMBERS WHO SUPPORT THE GROWTH AND PROMOTION OF THE ASSOCIATION AND

REALTORreg ASSOCIATION MEMBERSHIPPeninsulaPartners

ATTEND ASSOCATION ACTIVITIES AND EVENTS VOLUNTEER TO SUPPORT THE ASSOCIATION

PROMOTE ASSOCIATION ACTIVITIES SPONSOR ASSOCIATION PROGRAMS AND EVENTS

INTERESTED IN JOINING PeninsulaPartners Call us at 757-599-5222 or click here for a Partner Brochure





t (757) 599-5222f 757-596-3911

jimwetzelvparorg







and affiliates


estate industries


industry



Code of Ethics






PresidentAndy Cohen


TreasurerCarl Burt






Jim Wetzel RCE













And Then Some







Happy selling


























Local Issues




Regional Issues




State Issues























Federal Issues













































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867























t (757) 599-5222f 757-596-3911

jimwetzelvparorg







and affiliates


estate industries


industry



Code of Ethics






PresidentAndy Cohen


TreasurerCarl Burt






Jim Wetzel RCE













And Then Some







Happy selling


























Local Issues




Regional Issues




State Issues























Federal Issues













































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867

























And Then Some







Happy selling


























Local Issues




Regional Issues




State Issues























Federal Issues













































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867




















And Then Some







Happy selling


























Local Issues




Regional Issues




State Issues























Federal Issues













































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867











































Local Issues




Regional Issues




State Issues























Federal Issues













































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867


























Local Issues




Regional Issues




State Issues























Federal Issues













































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867



















Regional Issues




State Issues























Federal Issues













































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867
































Federal Issues













































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867
























Federal Issues













































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867




















Federal Issues













































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867



















Federal Issues













































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867





















































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867




















































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867












































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867

































Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867



























Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867





















Save The Dates











qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867
























qualify)














Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867

























Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867
























Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867























Hampton VA 23666 757-599-5222















Registration Form


Method of Payment




Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867





















Counsel






_________________






NAME FIRM

ADDRESS

CITY STATE ZIP

PHONE E-MAIL










business

Approved for





















NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867






































NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867





























NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867

























NAME FIRM

ADDRESS MEMBER

CITY STATE ZIP

PHONE E-MAIL
























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867





























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867

























THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867






















THEYrsquoLL ENJOY




































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867



















































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867











































Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867




























Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867























Volume 00 Issue 00












Phone 757-599-3621 Fax 599-5867










Phone 757-599-3621 Fax 599-5867































Documents

Peninsula REALTOR® Jan/Feb 2016