Housing Market

Ethics

Member Resources Guide

Worcester Regional Association of REALTORS
The Worcester Regional Association of REALTORS 492 Washington Street, Auburn, MA 01501 Tel: 508-832-6600 * Fax: 508-832-6620 www.wrar.org

To our Valued Members

We are pleased to present this REALTOR reference guide. We have strived to include the essential elements of the REALTOR Association so that you have one central reference source. Inside you will find valuable tools to help you have a successful year. A listing of our Affiliated Business Partners is included. These Affiliates are committed to the success of our Association and to you. Our Affiliates should be the PRIMARY RESOURCE for you, as they have taken a pledge to provide quality service and to live up to the ethical and compliance standards of their profession. Thank you for your continued support. We wish you much success in 2013!

Worcester Regional Association of REALTORS 2013 Board of Directors & Staff

Rochelle Jonswold Dave Stead Brad Roberts Kris Koliss Mary Gale Diane DeCiccio Jayne DiLiberto Tony Economou Sarah Gustafson President President Elect Vice President Secretary Treasurer Past President Director Director Director Erica Hall Lorraine Herbert Judy Patterson Judy Reynolds Mary Stolarczyk Leslie Storrs Kathleen Cooper Tracy Fiorelli Gina Lewis Director Director Director Director Director Director Alternate Alternate Alternate

Colleen Pappas Lisa Sprague Jacki DInnocenzo Maura OConnor Lynne Walls

Executive Vice President Membership Manager Programs & Events Coordinator Staff Accountant Administrative Assistant

The REALTOR Pledge

I am a REALTOR
I Pledge Myself: To protect the individual right of real estate ownership and to widen the opportunity to enjoy it; To be honorable and honest in all dealings; To seek to better represent my clients and customers by building my knowledge and competence; To act fairly toward all in the spirit of the Golden Rule; To serve my community well, and through it, my country; And to observe the Code of Ethics of the NATIONAL ASSOCIATION OF REALTORS and conform my conduct to its lofty ideals.

Affiliate Business Partner Pledge

I PLEDGE THAT:
I will help promote the Affiliate Membership of the Worcester Regional Association of REALTORS with traditional and non-traditional memberships. I will support members of the Worcester Regional Association of REALTORS by contributing to help build and enhance improve REALTOR programs, events and education to promote REALTOR awareness and advocacy in our communities. I will provide quality service and live up to the ethical and compliance standards of my profession. In addition, I will follow up and communicate with any leads or referrals I receive from the Worcester Regional Association of REALTORS members. I will be professional, conscientious, trustworthy and supportive of all members of the Worcester Regional Association of REALTORS. I will be a supporter of goodwill events to benefit local charities through the Worcester Regional Association of REALTORS.

Useful Links for Your Business

www.buyworcesternow.com: Buy Worcester Now is a private/public partnership to preserve and promote homeownership in the City of Worcester by matching potential homebuyers with the best and most responsible mortgage products for purchasing a home in Worcester today. opportunities for homeownership and affordable rental housing. Their statutory mission is to provide liquidity, stability and affordability to the U.S. housing market. www.houselogic.com: A free source of information and tools - from the NATIONAL ASSOCIATION OF REALTORS - that can help you make smart and timely decisions about your home.

www.chapa.org: Citizens Housing and Planning Association (CHAPA) is a nonprofit umbrella organization for affordable http://license.reg.state.ma.us: This sechousing and community development tion of the Mass Board of Registration activities in MA. lets you check up on your Real Estate license status 24 hours a day, 7 days a www.craigslist.com: A centralized netweek. Visit www.Mass.Gov for much more work of online communities, featuring information about the state of Massachufree online classified advertisements setts! with sections devoted to jobs, housing, personals, for sale, services, community, www.listingdomains.com: Professionally gigs, resums, and discussion forums. designed, affordable single property websites. Building a website for your listings is www.ehow.com: An online community a simple and extremely useful way to win dedicated to providing visitors, like you, listings, keep sellers happy and keep buythe ability to research, share, and discuss ers interested! solutions and tips for completing dayto-day tasks and projects. It combines www.makinghomeaffordable.gov: Prothe experiential knowledge of certified vides detailed information and resources experts with the practical knowledge of about these programs. Through this webeveryday people to help you discuss, plan, site, homeowners can also connect with and complete tasks. free HUD-approved counseling organizations, locate free events in their area, find www.fanniemae.com: A governmentthe application documents necessary to sponsored enterprise (GSE) chartered by apply for the MHA Program and more. Congress with a mission to provide liquid- www.mapass.com: A property appointity, stability and affordability to the U.S. ment scheduling service focused on the housing and mortgage markets. real estate industry. Our mission is to enable real estate agents to schedule as www.freddiemac.com: Freddie Mac many showing appointments as they need was chartered by Congress in 1970 with as efficiently as possible. a public mission to stabilize the nations residential mortgage markets and expand

Useful Links for Your Business

www.marealtor.com: MA Association of REALTORS website provides you with an array of real estate information and benefits. You can find anything real estate related, from RE forms to savings on auto oil change! www.masshousing.com: MassHousing, the states affordable housing bank, supports the creation, preservation and longterm viability of affordable homeownership and rental housing opportunities for Massachusetts residents with modest incomes. MassHousing is a self-sustaining agency and does not use taxpayer dollars in its programs. www.massresources.org: Provides useful information about a wide range of assistance programs for people in need living in Mass. It provides information on available benefits, application, eligibility requirements, benefit amounts, and more. www.mersinc.org: MERS was created by the mortgage banking industry to streamline the mortgage process by using electronic commerce to eliminate paper. Their mission is to register every mortgage loan in the United States on the MERS System. www.mhp.net: The Massachusetts Housing Partnership (MHP) is a statewide public non-profit affordable housing organization that works in concert with the Governor and the state Department of Housing and Community Development to help increase the supply of affordable housing in Mass. www.mlspin.com: The largest Multiple Listing Service in New England and one of the largest in the nation. We offer a database of over 50,000 properties for sale and more than one million off-market listings, as well as full public records for all of Massachusetts, Rhode Island, and other areas of New England. www.narrpr.com: REALTORS Property Resource (RPR) is a member benefit of the National Association of REALTORS, is a national database of assessor, recorder, and mortgage data, MLS content, foreclosure information, demographics, neighborhood data, and more. http://portal.hud.gov: HUDs mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD is working to strengthen the housing market to bolster the economy and protect consumers; On Huds website you can find a variety of information about housing, financing and much more. www.schooldigger.com: Find test scores, rankings, district boundaries, student/ teacher ratios, ethnic makeup, and scores of other useful metrics and information for over 120,000 elementary, middle, and high schools in the United States! www.vflyer.com: vFlyer is a classified ad creation, management and submission platform that enables online sellers to quickly and easily create attractive classified ads or virtual flyers that can be posted on dozens of leading online marketplaces in a few simple clicks.

www.worcesterdeeds.com: Worcester South District Registry of Deeds Online Registry offers access to documents through MassLandRecords.com and information on our other services. www.wrar.org: Your local REALTOR connection to your company profile, Continuing Education, most current Calendar of Events, Association Documents and Policies, Newsletters, Local Benefits, Useful Links and Association Directors and staff.

Important Phone Numbers

WRAR . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 508-832-6600 MAR - Customer Service . . . . . . . . . . . . . 800-725-6272 MAR Technology Hotline . . . . . . . . . . . . . 866-232-1837 MAR Legal Hotline . . . . . . . . . . . . . . . . . . . . . 800-370-5342 National Assn. of REALTORS . . . . . . . . . . . . . 800-874-6500 MLSPin . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 508-845-1011 Board of Registration . . . . . . . . . . . . . . . . . . . 617-727-2373

WRAR 2013 Calendar of Events

April 1-30 Fair Housing Month 4-Apr 2:004:00 pm Thirsty Thursday: Flood Plain / Flood Insurance 5-Apr 8:30 am DR Breakfast: Doing it All 15-Apr OFFICE CLOSED Patriots Day 16-Apr 9:00 - 1:00 pm Continuing Education Classes Leominster 20-21 Apr Nationwide REALTOR Open House Weekend 24-Apr 8:00 am - 8:00 pm Continuing Education Classes 26-Apr 9:00 am - 5:00 pm At Home with Diversity Certification Class 2-May 2:004:00 pm Thirsty Thursday: Financing Face-off 3-May 8:30 am DR Breakfast: Legal Hot Topics 3-May Deadline for WRAR Scholarship Submission 15-May 9:00 am - 3:00 pm New Member Orientation 27-May OFFICE CLOSED Memorial Day 29-May 8:00 am - 8:00 pm Continuing Education Classes 4-Jun 5:00 PM WRAR Awards Banquet 5-Jun 9:00 AM REALTOR Day on Beacon Hill 6-Jun 2:004:00 pm Thirsty Thursday: Mass Housing 15-Jun 8:00 am - 8:00 pm Continuing Education Classes 20-Jun 9:00 am - 3:00 pm WRAR 15th Annual Golf Tournament 4-Jul OFFICE CLOSED Independence Day 5-Jul OFFICE CLOSED Independence Day holiday 24-Jul 8:00 am - 8:00 pm Continuing Education Classes 1-Aug 2:004:00 pm Thirsty Thursday: Mastering your iPad 21-Aug 8:00 am - 8:00 pm Continuing Education Classes

Date

Time

Event

WRAR 2013 Calendar of Events

6-Sep 8:30 am 20-Sep Legislative Breakfast 2-Sep OFFICE CLOSED Labor Day 5-Sep 2:004:00 pm Thirsty Thursday: Database 7-Sep 9:00 am - 3:00 pm New Member Orientation 21-Sep 8:00 am - 8:00 pm Continuing Education Classes 25-Sep 9:00 - 1:00 pm Continuing Education Classes Leominster Oct TBA Annual Meeting 3-Oct 2:004:00 pm Thirsty Thursday: Legal Hot Topics 14-Oct OFFICE CLOSED Columbus Day 23-Oct 8:00 am - 8:00 pm Continuing Education Classes 6-Nov 9:00 am - 3:00 pm New Member Orientation 7-Nov 2:004:00 pm Thirsty Thursday: Mock Arbitration 15-Nov 8:00 am - 8:00 pm Continuing Education Classes 28-29 Nov OFFICE CLOSED Thanksgiving Holiday Dec TBA Installation of 2014 Officers & Directors 5-Dec 2:004:00 pm Thirsty Thursday: Branding Yourself 6-Dec 8:30 am DR Breakfast: Making the Most of Your MAR Membership 18-Dec 8:00 am - 8:00 pm Continuing Education Classes 24-25 Dec OFFICE CLOSED Christmas

Date

Time

DR Breakfast: Tech Tools & Resources for Office Leadership

Event

Our Affiliated Business Partners

Appraisal Services
Taylor, Cathy Mass Conn R.E. Appraisals 43 Thompson Road Webster, MA 01570 massconnappraisals@charter.net Zicaro, Christine Loconto, Burke & Madaio, P.C. 56 William Street, Worcester, MA 01609 christine@locomadlaw.com

Albino, Jessica Law Office of Jessica Albino 102 Puritan Avenue, Worcester, MA 01604 albinolaw@live.com

Attorney Services

Banks & Mortgage Companies

Arcangeli, Lisa Fidelity Bank 9 Leominster Connector Leominster, MA 01453 larcangeli@fidelitybankonline.com Bibeau, Jason Wells Fargo Home Mortgage 324 Grove Street, Suite 3 Worcester, MA 01603-3936 jason.m.bibeau@wellsfargo.com Bonofiglio, Robert Bank of Canton Mortgage Center 850 Southbridge Street Auburn, MA 01501 rbonofiglio@thebankofcanton.com Bonsu, Kwame Wells Fargo Home Mortgage 2200 West Park Drive, Suite 140 Westboro, MA 01581 kwame.d.bonsu@wellsfargo.com Bovenzi, Michael Rollstone Bank & Trust 11 East Central Street Worcester, MA 01605 michael.bovenzi@rollstonebank.com Bremer, David Shamrock Financial 75 Newman Ave, Rumford, RI 02916 david.bremer@shamrockfinancial.com

Kotseas, Harry Law Office Of Harry P. Kotseas 94 Highland Street, Worcester, MA 01609 hpk@kotseas.com O'Connell, Alicia Philip D. O'Connell, Jr. Atty. 425 Pakachoag Street, Auburn, MA 01501 alicia@philipoconnell.com Reynolds, R. Craig Reynolds Law Offices 111 Main Street, P. O. Box 357 S. Lancaster, MA 01561 craig@reynoldslaw.com Roberts, Brad The Law Office of Brad Roberts 179 Shrewsbury Street Worcester, MA 01604 bhrobertsesq@verizon.net Rocheford, David The Law Office David Rocheford 300 West Main Street, Bldg.A, Northboro, MA 01532 davidr@thebestclosings.com

Our Affiliated Business Partners

Burdett, Wendy Prospect Mortgage 1393D Grafton St, Worcester, MA 01604 wendyburdett@gmail.com Burgoyne, Jamieson Fidelity Bank 9 Leominster Connector Leominster, MA 01453 jburgoyne@fidelitybankonline.com Convent, Ruta Wells Fargo Home Mortgage 324 Grove Street, Suite 3 Worcester, MA 01603-3936 ruta.convent@wellsfargo.com Damore, Denis First Eastern Mortgage 110 Elm Street, Millbury, MA 01527 denisd@firsteastern.com Deary, Gene Michael Bank of Canton Mortgage Center 850 Southbridge Street Auburn, MA 01501 gdeary@thebankofcanton.com DeGray, Emily Southbridge Savings Bank 70 West Boylston Street Worcester, MA 01606 edegray@southbridgesavingsbank.com Dutra, Mike Shamrock Financial 75 Newman Ave, Rumford, RI 02916 mike.dutra@shamrockfinancial.com Favata, Peter Fidelity Bank 9 Leominster Connector Leominster, MA 01453 pfavata@fidelitybankonline.com Flynn, Jim First Eastern Mortgage Corp. 130 Cedar Street Milford, MA 01757 jimflynn@firsteastern.com Fotos, George Envoy Mortgage 418 Main Street 5th Floor, Worcester, MA 01608 gfotos@envoymortgage.com Gaumond, Kelly Country Bank for Savings 75 Main Street, Ware, MA 01082 kgaumond@countrybank.com Jordan, Deborah Shamrock Financial 75 Newman Ave, Rumford, RI 02916 deb.jordan@shamrockfinancial.com Kalagher, Robert Ross Mortgage Co., Inc. 134 Flanders Road, Suite 375 Westboro, MA 01581 rob.kalagher@rossmortgageco.com Kemp, Heidi-Jo Country Bank for Savings 75 Main Street, Ware, MA 01082 hkemp@countrybank.com

Our Affiliated Business Partners

Kuharich, Eric Wells Fargo Home Mortgage 2200 West Park Drive, Suite 140 Westboro, MA 01581 eric.j.kuharich@wellsfargo.com Leblanc, Cheryll Wells Fargo Home Mortgage 324 Grove Street, Suite 3 Worcester, MA 01603-3936 cheryll.a.leblanc@wellsfargo.com Lynch, Arlette Bank of Canton Mortgage Center 850 Southbridge Street Auburn, MA 01501 alynch@thebankofcanton.com McFarland, Trevor Wells Fargo Home Mortgage 324 Grove Street, Suite 3 Worcester, MA 01603-3936 trevor.m.mcfarland@wellsfargo.com McGeary, Jane First Eastern Mortgage Corp. 130 Cedar Street Milford, MA 01757 jnmcge@aol.com McNally, Richard Security First Mortgage Funding One Ararat Street Worcester, MA 01606 rmcnally@securityfirstmf.com Monbouquette, Nancy Citizens Bank 108 Grove Street Worcester, MA 01605 nancy.monbouquette@citizensbank.com Morrison, Maureen Webster Five Cents Savings 136 Thompson Road Webster, MA 01570 mmorrison@web5.com Murphy, William Fairway New England Mortgage 5 Albert Street Auburn, MA 01501 wmurphy@fairwaymc.com OLeary, Timothy Rollstone Bank & Trust 11 East Central Street Worcester, MA 01605 timothy.oleary@rollstonebank.com Powers, Edward Clinton Savings Bank 200 Church Street Clinton, MA 01510 epowers@clintonsavings.com Premo, Gary Bank of Canton Mortgage Center 850 Southbridge Street Auburn, MA 01501-1329 gpremo@thebankofcanton.com Rafferty, Anne Marie Security First Mortgage Funding 1 Ararat Street Worcester, MA 01606 amrafferty@securityfirstmf.com Rankin, Chad Wells Fargo Home Mortgage 324 Grove Street, Suite 3 Worcester, MA 01603-3936 chad.rankin@wellsfargo.com

Our Affiliated Business Partners

Roberts, Dana Fidelity Bank 9 Leominster Connector Leominster, MA 01453 droberts@fidelitybankonline.com Roughan, Mary NE Moves Mortgage 2 Maple Avenue, Shrewsbury, MA 01545 mary.roughan@NEmoves.com Samara, Dave Prospect Mortgage 1393D Grafton St, Worcester, MA 01604 david.samara@prospectmtg.com Simeone, Susan Webster Five Cent Savings Bank 136 Thompson Road Webster, MA 01570 ssimeone@web5.com Simone, George Ross Mortgage Co., Inc. 134 Flanders Road, Suite 375 Westboro, MA 01581 george.simone@rossmortgageco.com Smith, Stephen Fidelity Bank 9 Leominster Connector, Leominster, MA 01453 ssmith@fidelitybankonline.com Thomann, Lisa Fidelity Bank 9 Leominster Connector, Leominster, MA 01453 lthomann@fidelitybankonline.com Tiso, Donna North Brookfield Savings Bank 35 Summer Street North Brookfield, MA 01535 dtiso@banknbsb.com Walsh, Paul Ross Mortgage Co., Inc. 134 Flanders Road, Suite 375 Westboro, MA 01581 pwalsh.rossmortgage@gmail.com Whitten, Brian Shamrock Financial 75 Newman Ave, Rumford, RI 02916 brian.whitten@shamrockfinancial.com

Home Services

Contonio, Rick Amerispec Home Inspection Services 672 Main Street Holden, MA 01520 rcontonio@amerispec.net Nowak, Edward Jackie & Edwards Environmental Services 43A Sturbridge Road Charlton, MA 01507 ed.nowak@jeesinc.com Pupillo, Frank Mr. Sandless 191 Fairhaven Road Worcester, MA 01606 centralmass@mrsandless.com Stone, Larry Northboro Septic Service, Inc. 124 Main Street Northboro, MA 01532 northboroseptic@verizon.net

Our Affiliated Business Partners

Insurance Services
Anderson, Richard Gaudette Insurance Agency, Inc 68 Worcester Street, N.Grafton, MA 01519 randerson@gaudette-insurance.com Cylkowski, Amber Liberty Mutual 771 Southbridge Street, Auburn, MA 01501 amber.cylkowski@libertymutual.com Henrichon, Rebecca Liberty Mutual 771 Southbridge Street, Auburn, MA 01501 rebecca.henrichon@libertymutual.com Prominski, Urszula Liberty Mutual 771 Southbridge Street, Auburn, MA 01501 urszula.prominski@libertymutual.com Torvi, John Herbert H.Landy Insurance 75 Second Avenue Suite 410, Needham, MA 02494 johnt@landy.com Ellis, Jeannine MLS PIN 904 Hartford Turnpike, Shrewsbury, MA 01545 jellis@mlspin.com Fulmer, Patricia Cornerstone Title Services 179 Shrewsbury Street, Worcester, MA 01604 pat@cornerstone-title.net Katz, Sandra Worcester Property Owners Assn. 90 Madison Street, Suite 400 Worcester, MA 01613 simakatz@aol.com Leone, Rocco Mass Housing One Beacon Street, Boston, MA 02108 rleone@masshousing.com McCarthy, Kim Generations on the Move, Inc. 800 Main Street, Suite 156 Holden, MA 01520 kim@generationsontheMove.com Pearsall, Joan Best View Imaging 324 Grove Street 2nd Floor, Worcester, MA 01605 jpearsall@bestviewimaging.com Trifone, Richard Worcester Property Owners Association 90 Madison Street, Suite 400 Worcester, MA 01613 rich@richtrifone.com

Professional Services
Cahalen, Nancy BBB of Central New England 340 Main Street, Suite 802 Worcester, MA 01608 ncahalen@cne.bbb.org

The Worcester Regional Association of REALTORS

Wear Your REALTOR Pin with Pride

111 Main Street, Lancaster 978-365-7322 615 South Street, Fitchburg 978-342-1193 175 Littleton Road, Westford 978-263-3262

Attorney Carlos Meln carlos@reynoldslaw.com

Attorney Craig Reynolds craig@reynoldslaw.com

Specializing in Real Estate law since 1984 Representing buyers and sellers Closing services cash and lender closings Representing most area lenders Title searches and title insurance Covering all areas of the state
Clinton Savings Bank Enterprise Bank and Trust Fidelity Bank First Eastern Mortgage GFA Federal Credit Union Leominster Credit Union Mortgage Master NE Moves Mortgage Rollstone Bank & Trust Ross Mortgage Shamrock Mortgage Wachusett Mortgage Wells Fargo Bank Workers Credit Union

Our Top Lending Partners

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