HOMEOWNERS DURING COVID-19 - HOW NAHREP
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2020 EDITION
HOMEOWNERS
DURING COVID-19
SUCCESSFULLY REACHING
3 NEW MARKETS IN 2020
HO W N AHR EP
THRIVED
D U RI N G 20 20
-a look at the numbers
Home is where the heart is.
It’s also the heartbeat of a community.
A home is so much more than brick and mortar. It can feel like the heartbeat of your community.
It says, “I belong here.” We’re invested in igniting that spirit. We understand that successful
homeownership helps make individuals, families, and communities stronger. That’s why we’re
working hard to support homebuyers by preparing them to become homeowners. Let’s keep
our communities growing strong together.
To learn more, diversesegments@wellsfargo.com
This information is for real estate professionals only and is not intended for distribution to consumers.
Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
© 2020 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AP50204579 Expires 06/2021
“I love it. I can’t believe
2020
it. It’s more than I could
have dreamed.”
Alaysyah Yahyisrael,
By the
First-time homeowner
Numbers Features
20
YES , H O M E BU YE RS AR E
40 ST I LL M OT I VAT E D TO
P U RC H AS E AS P L AN N E D . . .
AN D E VE N S OO N E R !
National Advocacy
Committee Numbers
24
Virtual Events
46 WH E N T H E WO R LD I S AT
YO U R F I N G E RT I PS BU T
ST I LL S O C I AL D I STAN C E D Helping to put
homeownership
25
Chapter Membership 62 PAVI N G T H E WAY
in reach
The Fifth Third Down
Payment Assistance Program
is here for you.
28
Hispanic Real Estate's Most
If saving for a house down payment
has been a challenge, we may be
able to help—just like we helped
Alaysyah buy her first home.
Prestigious Award • Get up to $7,500 toward your
G ROWI N G H I S PAN I C
64 down payment or closing costs
44
H O M EOWN E RS H I P
depending on the loan type
TO G E T H E R
you choose1
• Use it toward your down payment
Financial Performance or closing costs, depending on
your loan1
54
• NO payback required
H OW N AH R E P I S
67 H E LP I N G H O M EOWN E RS
D U R I N G COVI D -1 9
For more information contact
New Chapter Growth Orly Garcia, Senior Vice President,
Group Sales Manager,
59
NMLS# 659611 at 954-233-8802
(office) or Orly.Garcia@53.com
N AH R E P 1 0 C E RT I F I E D
Social Engagement 74 T R AI N E R PRO G R AM
I N F U LL S W I N G
65
Media Mentions
1
To be eligible for the down payment assistance, borrowers
can qualify based upon income level and/or by purchasing
property in a low income census tract. Down payment
assistance up to $5,000 is available if meeting one of
the criteria and up to $7,500 for both criteria. The subject
75
BU I LD I N G T H E F U T U R E
78 O F H O US I N G property must be in one of the following eligible states: MI,
IN, IL, KY, TN, OH, WV, NC, GA, FL and located in a low Income
Census Tract or borrower must meet the low income limit
threshold based on the qualifying income per FFIEC website.
Down payment assistance may be taxable as income and
NAHREP reported to the IRS. Consult your tax advisor. Not available
Certified Trainers with all loan products.
Loans are subject to credit review and approval. Fifth Third
Bank, National Association, 38 Fountain Square Plaza, Cin-
cinnati, OH 45263, NMLS# 403245, Equal Housing Lender.
Fifth Third and Fifth Third Bank are registered service marks
of Fifth Third Bancorp.
ALL FOR HELPING
TO TAKE ONE HOUSE
OFF THE MARKET,
WHILE WORKING
TOWARDS SOLUTIONS
TO PUT MORE ON.
Contributors
In its fourth annual edition, we are proud to
release the 2020 SOMOS NAHREP magazine.
MANAGING EDITOR
Meghan Lucero
DESIGN & LAYOUT
Tyler McElmurry
Andrea "Nick" Munguia
Shelby Buska
COPY EDITORS
Katherine Wood
NAHREP EXECUTIVES
Gary Acosta
Noerena Limón
Armando Tam
Omar Tejeda
Maria Barrios
CONTENT CONTRIBUTORS
Orlando Camargo
Nathalie Fairfax
Tricia Meza
Christa Murillo
FREDDIE MAC ® Cynthia Rodriguez
HOME POSSIBLE Jaimie Smeraski
MORTGAGE
Love the magazine?
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Become The Best Agent
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About NAHREP ACESocial, you can…
• Share consumer-focused
Nosotros somos the National Association of Hispanic Real Estate Professionals®. We
real estate and lifestyle
are The Voice for Hispanic Real Estate® and proud champions of homeownership for the content to your Facebook,
Hispanic community. Homeownership is the symbol of the American Dream, the cornerstone LinkedIn and Twitter—
of wealth creation and a stabilizing force for working families. Our role as trusted advisors automatically, every day.
and passionate advocates is to help more Hispanic families achieve the American Dream in a • Showcase your listings on
sustainable way that empowers them for generations to come. a custom branded landing
page, complete with a lead
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Mission Statement and reporting tools.
NAHREP is a purpose-driven organization that is propelled by a passionate combination of Agents from across the
entrepreneurial spirit, cultural heritage and the advocacy of its members. Our mission is to country are connecting and
advance sustainable Hispanic homeownership. NAHREP accomplishes its mission by: educating their social sphere
each and every day with
• Educating and empowering the real estate professionals ACESocial. Here’s what they
who serve Hispanic home buyers & sellers have to say...
• Advocating for public policy that supports the trade
association’s mission
• Facilitating relationships among industry stakeholders, real
estate practitioners and other housing industry professionals “I have nothing but good
things to say about ACESocial
and highly recommend that
if you want to work smarter,
not harder, as a real estate
professional, consider
partnering with ACE.”
Yolanda Williams-Davis
Real Estate Broker & Community Developer,
61 Houses Real Estate Brokerage Services
Join ACESocial Today!
For more information,
visit rismedia.com/acesocial
or contact ace@rismedia.com
or (203) 855-1234 ext. 1.
NAHREP 2020
ANNUAL PARTNERS
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6 | SOMOS NAHREP 2019
Looking for help with your down payment? You may qualify
for up to $5,500. Ask us how today!
usbank.com/mortgage
Achieve home ownership with
the American Dream home loan.
We’re here to help you become a homeowner. We’ll take
the time to discuss your needs and review various loan
options with you.
– Down payment as low as 3%
– Mortgage insurance paid by U.S. Bank
U.S. Bank is proud to – Down payment assistance up to $5,500, which can also
support the NAHREP be used for closing costs and required repairs
2020 national convention.
Call today, 888.291.2334,
and put our knowledge to
work for you.
Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates
and program terms are subject to change without notice. Visit usbank.com to learn more about U.S. Bank products and services. Mortgage, Home
Equity and Credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member
FDIC. ©2020 U.S. Bank 109101c 10/20
NAHREP HISTORY
1999 2000 2001
NAHREP Founded First Local Chapter First National
National Association of Hispanic Real
Estate Professionals is founded by Gary
First local chapter is founded in Las
Vegas, Nevada by Felix DeHerrera. Convention
First National Convention is held in San
Acosta and Ernie Reyes in San Diego,
Diego, California with 700 attendees
California with a powerful mission that
from nearly 10 chapters across the U.S.
galvanizes the industry around the
burgeoning Latino market.
Sept. 2013 Oct. 2012 Sept. 2012
Latin Music President Bill Clinton TOP 250
Festival President Bill Clinton delivers a
keynote address at the National
The launch of the Top 250 Latino
Agents Award, NAHREP's most
Launches a fusion of culture and Convention and marks the beginning of recognized asset.
business with the first Latin Music the strongest period of growth since
Festival at the National Convention. the height of the economic crisis.
mission that galvanizes the industry
around the burgeoning Latino market.
2014 Sept. 2014 2016
Hispanic Wealth 53 Million & One 26,000 Members
Project Debuts original stage production 53
Million & One starring Jerry Ascencio at
New benchmark set with 26,000
members, 50 local chapters, and
In partnership with the NAHREP
the NAHREP Chicago Business Rally and 25 full-time employees.
Foundation, launches the Hispanic
launces a 25 city tour of the show.
Wealth Project with the ambitious goal
of tripling median Hispanic household
wealth by 2024.
2020
20 Years!
NAHREP celebrates it’s 20th anniversary
and introduces a new series of virtual
events, providing quality content en lieu
of our historic times.
8 | SOMOS NAHREP 2020
2002 2003
Blueprint for the First Housing
American Dream Policy
Initiative
Invitation from the White House to
First Housing Policy Conference is held
in Washington, DC with keynote by HUD Our
strength is
Secretary Mel Martinez.
participate in the Blueprint for the
American Dream Initiative that aimed to
increase minority homeownership.
each other.
2008 2005
At MassMutual , we
Relocation: 10,000 Members
San Diego Membership hits 10,000 active members recognize the value of
as the association installs its first female
Relocates back to San Diego, CA
from Washington, DC as part of a
National President, Frances Martinez Myers. interdependence and
restructuring of the organization relying on one another,
during the housing crisis.
and that no great success
comes without the help of
others.
2017 2018
SOMOS Magazine National Convention
The first SOMOS NAHREP magazine
is published and released at the
at L'ATTITUDE
National Convention.
NAHREP joins forces with L'ATTITUTUDE, Find a Financial Professional
a new event concept highlighting Latinos
as a powerhouse of buying power, political
today at MassMutual.com
capital and innovation, and the drivers of
the New Mainstream Economy.
2019
New Era
NAHREP's explosive growth leads to
100 chapters, rebranding, new office Massachusetts Mutual Life Insurance Company
space, and an alumni program. (MassMutual), Springfield, MA 01111-0001.
Insurance products issued by Massachusetts
Mutual Life Insurance Company (MassMutual),
Springfield, MA 01111, and its affiliated
US insurance companies. Securities and
investment advisory services offered through
MML Investors Services, LLC, Member SIPC® and
a MassMutual subsidiary. CRN202101-242960
10 | SOMOS NAHREP 2020
National Association of Hispanic Real Estate Professionals | 11
“Más que una casa, es el hogar donde él crecerá”. Tener casa propia es más que una meta actual, es la realidad del mañana. La Edu-Serie en Línea para Comprar Casa por Primera Vez de Bank of America™ puede ayudarte a estar un paso más cerca de lograrlo. Obtén gratis recursos y videos educativos para ayudarte a obtener información sobre: Reducir los costos iniciales Opciones de préstamos a costo razonable 5 pasos para comprar casa Conoce más en bankofamerica.com/compradordecasa Las solicitudes, divulgaciones y otros materiales de Préstamos para viviendas están disponibles solamente en inglés. Edu-Serie en Línea para Comprar Casa por Primera Vez de Bank of America es una marca comercial de Bank of America Corporation. Bank of America y el logotipo de Bank of America son marcas comerciales registradas de Bank of America Corporation. El crédito y la garantía están sujetos a aprobación. Se aplican términos y condiciones. Esto no constituye un compromiso de préstamo. Los programas, las tasas, los términos y las condiciones están sujetos a modificación sin previo aviso. Bank of America, N.A. Miembro de FDIC. Igualdad de oportunidades en préstamos para viviendas. ©2020 Bank of America Corporation. Todos los derechos reservados. MAP3247042 | AD-09-20-0545.B | 09/2020 12 | SOMOS NAHREP 2019
President's M ES S AG E : A look back at 2020 Hi NAHREP friends, I am excited for you to be here and get to know NAHREP—or as I call them, mi familia—a little bit more. NAHREP is much more than your typical trade organization. We are an organization that focuses on bringing value to our members in a holistic way. You’ll see evidence of this throughout our website, from the thoughtful topics for the events, the networking opportunities, and resources for finding your next mentor, to the videos explaining how policies and regulations being passed affect our livelihood and that of our community. We provide our members with countless resources, because our mission is to truly empower and educate the real estate professionals who increase Hispanic homeownership and strengthen communities. Especially during this critical time, our National Advocacy Committee (NAC) is more important than ever, as a committee that focuses on making sure policy makers take Latino issues into account when they are forming policies. When running a growing and successful business, creating wealth and living our American Dream, we need to understand that policies and regulations on a local and national level have an impact. It is our responsibility to understand those regulations and policies that are being passed that will affect our livelihood and our paths to success. That’s why having a committee of successful professionals providing a voice for our interests is so important. In 2020, COVID-19 seemed to have thrown us all for a loop. I’m proud to say that our members turned to us to look for resources, knowledge and mentorship on how to not only survive this pandemic, but thrive (and help those around us thrive as well). Throughout 2020, our chapters delivered outstanding events designed to strengthen our members professionally, as well as personally. In this magazine and within this association you will find resources that help you level up your marketing, grow your business, to hire wisely and everything else needed for sales mastery—and all done while celebrating our culture! Sincerely, SARA RODRIGUEZ 2020 NAHREP President
GARY ACOSTA SARA RODRIGUEZ LUIS PADILLA
Co-Founder & CEO 2020-2022 President 2020-2021 President-Elect
DAVID ACOSTA NEILY SOTO NEIL TERC
Immediate Past President Secretary Treasurer
GERARDO "JERRY" ASCENCIO JUAN MARTINEZ NORA AGUIRRE JOE CASTILLO
HWP Chairman Chapter Subsidiary Chairman Director Director
NATIONAL
2020
BOARDROB CHEVEZ MARK DIMAS ORALIA HERRERA
Director Director Director
ALEX MOSQUERA MAURICIO PEREZ NURIA RIVERA JOSUE SOTO
Director Director Director Director
ALICIA TREVINO DAISY LOPEZ-CID ARMANDO FALCON JOSEPH NERY
Director Board Advisor Board Advisor Board Advisor
OF DIRECTORS National Association of Hispanic Real Estate Professionals | 15NAHREP
STAFF
Gary Acosta Noerena Limón Armando Tam Omar Tejeda Maria Barrios
Co-Founder & CEO EVP, SVP, SVP, AVP,
Public Policy & Chapter Development Chief of Staff Operations &
Industry Relations AccountingMARKETING
Meghan Lucero Christa Murillo Katherine Wood Gustavo Cristobal
Senior Project Manager Research & Marketing Communications & Digital Marketing Coordinator
Analyst PR Specialist
Nick Munguia Tyler McElmurry Shelby Buska
Junior Graphic Designer Junior Graphic Designer Junior Graphic Designer
CHAPTER SUPPORT
Nathalie Fairfax Cynthia Rodriguez Katherine Hamilton Crystal Bueno Dustin Robinson
Chapter Network Team Chapter Network Chapter Relationship Chapter Relationship Chapter Relationship
Manager Administrative Manager Manager Manager Manager
Krystle Talbot Ana Maria Contreras Milkauris Quintero Alejandra Wright Elizabeth Nuñez
Chapter Relationship Chapter Relationship Chapter Support Manager Chapter Support Admin Chapter Support Admin
Manager Manager
BUSINESS SERVICES
Marta Becerra Tricia Meza Ana Cervantes Jaimie Smeraski Angela Gonzalez
HR Manager Corporate Relations Managing Director of Senior Policy Analyst Office Manager/
Manager Events Administration Executive Assistant
Corinne Couch Arlida Monzales Michael Truong George Rios Alfredo Mena
Program Director National Bookkeeper Chapter Program Junior Database Office Clerk
for Events Bookkeeper Administrator2020
NAC REGIONALS
Edwin Acevedo Josie Anderson Rachel Cristian Correa Camilo Escalante Rick Guerrero Lucy Guzman
Briseño Bruno
Raquel Lavender Rosario Lawrence Denisse Steven Pagan Hugo Romero Rebecca Soto
Roldán-NewellRELATIONSHIPS YOU CAN BUILD ON
DISCOVER OUR SPECIAL PROGRAMS THAT CAN BENEFIT YOU AND YOUR CLIENTS.
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it theirs. We offer low down payment options and homebuyer grants, as well as special rate discounts and the Chase
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I look forward to talking with you about teaming up to help your clients; contact me today.
George Hernandez
T: 614-422-8194
george.hernandez@jpmchase.com
All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other
restrictions and limitations apply. The Chase Closing Guarantee may be reported on Form 1099-MISC. Your clients should contact their tax advisor or the IRS for more details. For real estate and lending professionals
only and not for distribution to consumers. This document is not an advertisement for consumer credit as defi ned in 12 CFR 1026.2(a)(2).
For down payments less than 20% on conventional loans, Mortgage Insurance (MI) may be required and MI charges may apply.
Home lending products offered by JPMorgan Chase Bank, N.A.
©2020 JPMorgan Chase & Co. IC19-445-63655BV-0910National Advocacy
1,061 PEOPLE
WERE PART OF
THE NAC IN 2020
15
ADVOCACY
LETTERS
LETTERS TO CONGRESS,
AGENCIES, & OTHER
LAWMAKERS
8 ADVOCACY
C A M PA I G N S
767 C A M PA I G N
PA R T I C I PA N T SCommittee Numbers
A LOOK BACK AT 2020
NAC MEMBERS IN
27 2
S TAT E S & TERRITORIES
National Association of Hispanic Real Estate Professionals | 212020 Leadership Academy JANUARY 2020 The NAHREP Leadership Academy’s mission and vision is to provide a platform to discover and further develop skill sets for leaders. It offers an opportunity where new chapter presidents and board members are trained to manage a local chapter. As a transition year into a new cadence, NAHREP hosted this bridge session expressely intended for chapter presidents who have not previ- ously attended. The smaller gathering of 100 attendees provided inten- tional, educational content covering NAHREP history, national goals and recent developments, expectations for chapters, and tutorials on tools and standard practices used. Skills workshops focused on building the individual’s capacity to lead teams. Another successful Leadership Acad- emy ensured chapters were provided the tools to advance NAHREP’s mission in local markets. 20th Anniversary! MARCH 2020 Happy Birthday NAHREP! Celebrating 20 years in this amazing journey with our members, leaders, and all those who have helped us in our mis- sion of advancing sustainable Hispanic homeownership. We're excited to continue the celebration with you at our next upcoming national events. Virtual Events KICK-OFF MARCH 31, 2020 Thriving Together with NAHREP Virtual Events, yet another way to bring skills-building opportunities and education to NAHREP's nationwide network of members, supporters, and affiliates. As community leaders, it is our time to elevate ourselves and those around us. Check out the upcoming calendar of online and video-based business mas- tery events that will equip you with the tools to adapt and become stronger than ever. nahrep.org/events/virtualevents STATE OF HISPANIC HOMEOWNERSHIP REPORT (SHHR) RELEASED APRIL 7, 2020 The State of Hispanic Homeownership Report®️ is NAHREP's marquee annual publication, and gained over 5,000 views online for its release in 2020. The report is an industry benchmark that coalesces a broad cross-section of data and research from within and outside of the housing industry and provides an analysis of how the U.S. Hispanic population is faring with respect to attainment of homeownership in America. In its tenth year of publication, the 2019 SHHR includes an in-depth review of Hispanic purchasing patterns, buyer nuances and geographic trends. Download a copy now and look for the new 2020 edition! nahrep.org/report 22 | SOMOS NAHREP 2020
TOP 250
REPORTS RELEASED MAY 6 & MAY 13, 2020
Hispanic Real Estate's Most Prestigious Award!
AGENTS - In its ninth edition, with aggregate sales of more than $6.86
billion, this year's Top 250 Latino Agents list includes rankings of top
individual agents, top team leads, top rookie agents, and top agents by
major market regions.
MORTGAGE ORIGINATORS -The sixth annual production of this report
highlights a group of top producers representing a total of over $10 billion
in residential mortgage sales. The report also includes lists recognizing
the Top 100 from among the non-depository lenders nominated for the
award and the Top 100 by volume.
STATE OF HISPANIC WEALTH REPORT (SHWR)
RELEASED SEPTEMBER 25, 2020
The 2020 SHWR focuses on Hispanic participation in homeownership,
small business development, and wealth building. For the first time in
2020, the Hispanic Wealth Project commissioned a national survey
that brings unique data to better understand the impact the COVID-19
pandemic may have on Latino household wealth. The findings of the
report show the recovery and continued economic growth of Latino
households, workers and businesses are inseparable from the country’s
long-term growth and stability.
NAHREP AT L'ATTITUDE
SEPTEMBER 24-27 & SEPTEMBER 29-OCTOBER 1, 2020
The NAHREP Sales Mastery, Real Estate and Wealth Conference at
L’ATTITUDE brings learning how to leverage your business success into
a source of generational wealth. NAHREP offers unique wealth building
advantages to those who seek to be in the top 10% of their field, along with
mindset adjustments and sales tools. By the end of the event, registrants
were ready to create their own customized wealth building blueprint for
themselves and their family.
National Association of Hispanic Real Estate Professionals | 232020 National
Virtual Events
BY THE NUMBERS
WATCH PA ST E V E N TS T H RI V I N G TOGE T H E R W I T H N A H RE P V I RT UA L E V E N TS
ON- D E M A N D O N T HE NAHREP Virtual Events are yet another way we bring skills-building opportunities
NA HR E P W E B SI TE and education to our nationwide network of members, supporters, and affiliates.
As community leaders, it is our time to elevate ourselves and those around us.
Check out our upcoming calendar of online and video-based business mastery
events that will equip you with the tools to adapt and become stronger than ever.
58 NAHREP VIRTUAL EVENTS
24
OVER
HOURS OF NAHREP VIRTUAL EVENTS
3,000
OVER
LIVE VIRTUAL EVENT REGISTRANTS
17,700 ON-DEMAND VIEWINGS ON OUR WEBSITE
22,400 VIRTUAL EVENT VIEWS ON SOCIAL MEDIA
24 | SOMOS NAHREP 20202020 Chapter
Membership
MIDWEST
M O U N TA I N
NORTHEAST
NORTHWEST
SOUTHEAST
SOUTHWEST
ARE FROM CA
14%
increase in new members
ARE FROM FL
ARE FROM TX
45%
of new memberships in
2020 were Platinum
ARE FROM IL
ARE FROM NY
80%
of our members from the
year prior renewed their
memberships ARE FROM NJ
ARE FROM PRStop renting. Start owning.
For many families, buying that first home is generations in the making. The Bank of America
Community Homeownership Commitment™ can help you make it happen. You may get:
Down payment 1 help up to
$10,000 or 3% of purchase price
Whichever is less. Product availability and income restrictions apply.2
Closing cost 1 help up to
$7,500 a lender credit 3
Down payments as low as
3% 4 Down
Income limits apply.
Learn more at bankofamerica.com/homeowner
1. Down Payment program and America’s Home Grant program: Qualified borrowers must meet eligibility requirements such as being owner-occupants and purchasing a home within
a certain geographical area. Maximum income and loan amount limits apply. Minimum combined loan-to-value must be greater than or equal to 80%. The home loan must fund with
Bank of America. Bank of America may change or discontinue the Bank of America Down Payment Grant program or America’s Home Grant program or any portion of either without notice. Not
available with all loan products, please ask for details.
2. Additional information about the Down Payment program: Down Payment Program is currently limited to two specific mortgage products. Program funds can be applied toward down
payment only. Borrowers cannot receive program funds as cash back in excess of earnest money deposits. Down Payment Grant program may be considered taxable income, a 1099-MISC will
be issued, consult with your tax advisor. May be combined with other offers. The Bank of America Down Payment Grant program may only be applied once to an eligible mortgage/property,
regardless of the number of applicants.
3. Additional information about the America’s Home Grant program: The America’s Home Grant program is a lender credit. Program funds can only be used for nonrecurring closing costs
including title insurance, recording fees, and in certain situations, discount points may be used to lower the interest rate. The grant cannot be applied toward down payment, prepaid items or
recurring costs, such as property taxes and insurance. Borrowers cannot receive program funds as cash back.
4. Maximum income and loan amount limits apply. Fixed-rate mortgages (no cash out refinances), primary residences only. Certain property types are ineligible. Maximum loan-to-value (“LTV”)
is 97%, and maximum combined LTV is 105%. For LTV >95%, any secondary financing must be from an approved Community Second Program. Homebuyer education may be required. Other
restrictions apply.
Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.
Bank of America, N.A., Member FDIC.
Equal Housing Lender. ©2020 Bank of America Corporation. Bank of America Community Homeownership Commitment is a trademark of Bank of America Corporation.
MAP3247013 | AD-09-20-0545.A | 09/2020NATIONAL ADVOCACY NEW BLOG POSTS
COMMITTEE BLOG EVERY THURSDAY!
WRIT TEN BY
NAHREP.ORG/NAC
NOERENA LIMÓN, NAHREP
Celebrating NAHREP familia, cultura, politics,
and grassroots action
Que onda mi gente?
Join the movement: www.nahrep.org/engage
ADVOCATING FOR THE AMERICAN DREAM
Creating Opportunities
Welcome home to
opportunity
At BBVA we believe everyone should be able to
realize the dream of owning a home.
bbvausa.com/mortgage
BBVA is a proud sponsor of the
2020 NAHREP at L’ATTITUDE Convention
All loans subject to eligibility, collateral, underwriting and approval, including credit
approval. ©2020 BBVA USA Bancshares, Inc. BBVA USA is a Member FDIC and an
Equal Housing Lender. BBVA and BBVA Compass are trade names of BBVA USA, a
member of the BBVA Group. NMLS #402936 Rev. 08/2020 / #926810Hispanic Real Estate's
Most Prestigious Award
Do you know a Latinx real estate agent
Nominations must be received by
or mortgage originator whose passion for
homeownership has lead them to close an FE BRUARY 28, 2022
exceptional number of transactions?
Submit your application today at
Nominate yourself or someone you
know for NAHREP's Top 250 N A H R E P. O R G / T O P 2 5 0
Award today!
OVER
2020 PA RT ICIPAT IO N
1,000 AGENT SUBMISSIONS
OVER
600 M O R T G A G E O R I G I N AT O R S U B M I S S I O N S
2020 R ECO G NIT IO N
865 T O TA L A G E N T S R E C O G N I Z E D
264 T O TA L M O R T G A G E O R I G I N AT O R S R E C O G N I Z E D
28 | SOMOS NAHREP 20202020 TOP PRO D UCE RS
#1 AGENT
Better Homes and Gardens
B L A IR M YE RS Real Estate Success
361 Sides Macon, GA
#1 TEAM LEAD
Mark Dimas Properties
M A R K D I M AS Mark Dimas Team
1,071 Sides Cypress, TX
#1 MORTGAGE ORIGINATOR
LIZ Y H OE FFE R CrossCountry Mortgage, LLC
981 Transactions Phoenix, AZ
National Association of Hispanic Real Estate Professionals | 29Olivia
Chavez
Proud
Supporter Eric
Haddock
Morgan Stanley
Jona
is proud to Gamboa
support NAHREP.
Justine
James Cotto Jimenez-Garcia
Executive Director
Hipolito
Family Wealth Garcia
Advisor
Wealth Advisor
2000 Westchester Daisy
Avenue Lopez-Cid
Purchase, NY 10577 Oscar
914-225-4857 Guerra
james.cotto@
morganstanley.com
© 2020 Morgan Stanley
Smith Barney LLC.
Member SIPC.
SUP021 CRC 3317856 11/20
CS 9933925 11/202020
CHAPTER
COACHES
The NAHREP Coaches Program
launched in 2013 in an effort to provide
insider knowledge and support to NAHREP’s growing
chapter base. Each of NAHREP’s coaches is a former
chapter president or executive leader who serves as an
advisor to maximize the chapter’s effectiveness through
Leticia leadership development, financial planning, and tactical
Lucio Vu support. With regular opportunities for engagement,
chapter coaches are a driving force behind the growth
and development of the chapter network.
Veronica
Martinez
Michelle
Rosa-Patruno
Peggy
Pratt Calle
Armando
Tam
Nancy
Vargas-JohnsonWhen eXp Realty launched as an agent-centric, cloud-based real estate brokerage
in 2009, we started with 25 agents. Flash forward to 2020, and eXp’s bold concept is
proven. Today, more than 35,000 top-producing agents in the US, Canada, Australia, UK
and South Africa have joined eXp for its generous business model, which still puts our
agent’s success first. Take a look at eXp’s milestones below.
Oct. 2009
Glenn Sanford launches first
cloud-based brokerage, eXp Realty
Dec. 2012
TOP
100 Sanford named to Inman
Top 100 Most Influential list
May 2014
eXp Realty launches in Canada
Aug. 2014
eXp World Holdings becomes a
publicly traded company
Jan. 2018
eXp Realty acquires VirBELA
May 2018
eXp World Holdings joins Nasdaq
Oct. 2018
eXp Realty opens in
all 50 states in the U.S.
June 2019
eXp Realty announces expansion
into Australia and the U.K.
Dec. 2019
Glassdoor names eXp as a
Best Place to Work in 2020 Aug. 2020
eXp announces expansion to five
5 more countries: France, India,
Mexico, Portugal and South Africa
Oct. 2020
eXp Realty launches in South Africa
Nov. 2020
eXp Mexico expected openingSMASHING MILESTONES YEAR AFTER YEAR eXp is excited to be expanding into Mexico in 2020, offering agents access to a unique financial model, which includes revenue share, potential stock awards and a generous commission structure. eXp Mexico agents will also have access to unique marketing resources, including the company’s cloud-based virtual environment and proprietary technology platform that enhances virtual prospecting, sales, training and communications. For more information visit: expmexico.com
2020
CORPORATE MEMBERS
Carlos J Capellan Ins Agcy Inc
®
®
Real
Estate
Law
Real Estate Law | Closing Services | Title Insurance | Foreclosure Defense
34 | SOMOS NAHREP 2020N AH R E P CO R PO R AT E Corporate Members gain access to NAHREP's network of 100 chapters and
ME M B E RSHIP
advance notice of expansion plans into additional markets. Local engagement with
chapters provides business opportunities and connections with top producing real
F OR COMPANIES TH AT S UPPO RT NA H R E P’ S estate agents, brokers, loan officers, and other practitioners.
M I SSION TO INCREA S E S USTA INA B LE
HI SPANIC HOMEOWNE RS H IP IN A M E R ICA Stay tuned for NAHREP's 2021 regional partnership plan, with implementation of
six new regions across the country! Learn more at nahrep.org/regions
inc
“Mortgage that fits your needs”
N
W
W
SW
National Association of Hispanic Real Estate Professionals | 35National Association of Hispanic Real Estate Professionals | 37
Jason Riveiro Edwin Acevedo Patty Arvielo AJ Barkley Cerita Battles
Realogy Holdings Corp. Lotus Group New American Funding Bank of America Chase
2020 CBOG Chairman
James R. Cotto Jesus Cruz Dionne Cuello Latonia Donaldson Lot Diaz Orly Garcia
Morgan Stanley loanDepot Citi PrimeLending, a UnidosUS Fifth Third Bank
PlainsCapital Company®
The Corporate Board of Governors is a stakeholder group that serves as an advisory board to NAHREP’s
Board of Directors and the association overall. The CBOG provides NAHREP with valuable market intelligence,
business development expertise, and policy position recommendations that provide the association with a
frame of reference to use in approaching the upcoming year. The CBOG is comprised of an executive level
representative from each of NAHREP’s corporate partner companies and invitees from a select number of
some of the organization’s top entrepreneurs.
Tulu Kaifee Cesar Lostaunau Kay Marshall Lenny McNeill Carmen Mercado
BB&T now Truist Allstate SunTrust Mortgage now Truist U.S. Bank Freddie Mac
Teresa Palacios Smith Jose Pascual Eddy Perez Mike Reagan Tanya Reu-Narvaez
HomeServices of America BBVA Compass EPM RE/MAX, LLC RealogyChuck Bishop Gino Blefari Phil Bracken Angela Capone Cristian Correa
Wells Fargo Home Mortgage HomeServices of America Vantage Score Radian Guaranty Caliber Home Loans
Joseph Gutierrez Michael Justine Chrissi Johnson Scott Juhl
Union Bank Innis-Thompson Jimenez-Garcia Quicken Loans First American Title
TD Bank Countywide Properties, Inc. Insurance Company
2020
The advisory board is chaired by a CBOG member selected by the national board and co-chaired by the immediate past
president of the board of directors. The support provided by this group of stakeholders is critical in the advancement of
NAHREP’s mission and serves as a driving force for NAHREP’s purpose. Stay tuned for NAHREP's 2021 regional strategy
plan, implementing six new regional CBOGs across the country! Learn more at nahrep.org/regions
Allen Middleman Mike Miedler Miguel Narvaez Stephen O’Connor Alvin Odom
Freedom Mortgage Century 21 Alterra Home Loans Mortgage Bankers Association Charles Schwab Bank
Errol Samuelson Chris Sorensen Fred Underwood Michael Valdes Maria Vergara
Zillow PRMG National Association of eXp World Holdings Fannie Mae
REALTORS®️YES, HOMEBUYERS ARE STILL
MOTIVATED TO PURCHASE AS PLANNED…
AND EVEN SOONER!
written by aj barkley, svp, neighborhood lending executive, consumer lending, bank of america
LAST YEAR marked the fifth consecutive year of in- Whatever buyers need to be better prepared for the homebuying process – assistance
creases in the Hispanic homeownership rate, according to the with their down payment or relevant financial education – here are some ways they
National Association of Hispanic Real Estate Professionals®. can get help and bring homeownership within their reach… sooner than they think.
And the outlook for continued homeownership growth is pos-
• A new First-Time Homebuyer Online Edu-Series™ (available in English and
itive. While a lot has changed over the last few months, Bank
Spanish at bankofamerica.com/homebuyer) provides an easy-to-understand
of America’s 2020 Homebuyer Insights (bankofamerica.com/
roadmap to buying a home and allows buyers to go at their own pace as experts
homebuyerinsights) found that nine-in-ten buyers (89%) are
provide guidance and tips to prepare their finances, make an offer, apply for a
motivated to buy a home and are looking at real estate listings
mortgage and more.
(49%) and touring homes virtually (29%).
• Bank of America offers down payment and closing cost grants, as well as low
Whether buyers are motivated to purchase a home for more
down payment loans, to help creditworthy borrowers who are finding it difficult
indoor (86%) and outdoor space (64%), high-speed internet
to save for a home. You can learn more about the programs at bankofamerica.
and strong cell service (56%), proximity to essential business-
com/homeowner.
es (51%) and recreational activities (44%), more than half
• Preapproval can help buyers set realistic expectations when it comes to buying
indicated they plan to accelerate their home purchase timeline
a house – it means they can have their financing confirmed before they begin
(14 percent) or intend to buy as planned (42 percent). Among
their home search.
those with home purchase plans, 85 percent say saving for a
new home is a priority. Home is more important than ever before. With an eye toward helping families create
a legacy and build long-term wealth, let’s continue to make progress in serving the
As homebuyers start preparing for homeownership, it can
homebuying needs of Hispanic households.
often seem overwhelming, making it difficult to move forward
with confidence. For instance, some people avoid applying for
prequalification and preapproval out of fear they won’t measure
up, missing the opportunity to learn how much they qualify for
and be better prepared. Survey respondents also say expensive
home prices (62%), high rent costs (48%) and student debt
(30%) can influence their homebuying plans.
AJ Barkley
is the Neighborhood Lending
Executive for Bank of America,
responsible for identifying op-
portunities to drive successful
homeownership among low- to
moderate-income borrowers,
underserved communities, and
multicultural borrowers across
the economic spectrum.
40 | SOMOS NAHREP 2019We are many. We are
One Radian.
At Radian, we know that our success is connected to
understanding and anticipating the needs of our workforce,
our customers, and the communities we serve.
Inclusion and diversity matter, especially in an industry like
mortgage finance that is so deeply connected to peoples’
aspirations and expectations about homeownership. And
when we do our jobs well, we help make the American
Dream a reality for millions of people.
Learn more at radian.com.
© 2020 Radian radian.com 877.723.4261NAHREP asks its members and stakeholders to adopt these principles and
share them with everyone in their sphere of influence—their families, their
colleagues, their friends—because that’s how we change the world.
Ready to find out
how EPM is
Empowering People More?
EPM's mission is to be a
1. have a mature 2. be in the top 10% of
resource, and voice, for financial understanding of your profession
empowerment. Our vision is to wealth and prosperity because being good is
because the one with the not good enough.
continue to offer top financial
most toys usually loses.
service, communication and
assistance to the communities
we serve. As a lender, we strive 3. live below your 4. minimize debt
to help individuals and families means and be ready because it is the biggest
empower themselves through for the next recession enemy to wealth.
because downturns are
homeownership as a vehicle for a regular part of our
wealth. We are thrilled to economic cycles.
continue to grow and partner
with an excellent organization
5. invest at least 20% 6. know your networth
like NAHREP. including the value of
of your income in real
401K
estate and stocks your business
because you can’t improve
Find a local office in your because they are the
best and safest ways to what you don’t measure.
area, we're licensed in build wealth (investing
49 states! in other businesses
does not count).
We have experienced and
dedicated Mortgage Loan
Originators, in-house 7. be politically savvy 8. be physically fit
because public policy
operations and support because wealth without
matters. health is meaningless.
team, and are constantly
evolving and growing to
serve our clients better.
9. be generous 10. be active in the
Visit us online: with people who lives of your family
www.epm.net are less fortunate
because philanthropy
and children
because familia is
DONATION
feeds your spirit and central to who we
gives more purpose to are and nothing will
your work. motivate you more.
5 Concourse Parkway, Queen Bldg, Ste 2250,
Atlanta, GA 30328. (877) 255-3554.
Equity Prime Mortgage LLC NMLS # 21116.
www.nmlsconsumeraccess.org
All rights reserved. Copyright © 2020.NAHREP Presidents
Celebrating of Leadership
N A H R E P PA S T P R E S I D E N T S
Ernest J. Reyes Gary Acosta Frances Martinez Myers
1999 – 2003 2003 – 2005
2005 – 2007
Felix DeHerrera Rebecca Tino Diaz Alex Chaparro Carmen Mercado
2007 – 2008 Gallardo-Serrano 2009 – 2010 2010 – 2011 2011 – 2012
2008 – 2009
Gerardo “Jerry” Juan Martinez Jason Madiedo Teresa Palacios Joseph (Joe) Nery
Ascencio 2013 – 2014 2014 – 2015 Smith 2016 – 2017
2012 – 2013 2015 – 2016
Leo Pareja Daisy Lopez-Cid David Acosta
2017 – 2018 2018 – 2019 2019 – 2020
Sara Rodriguez
2020 – 2022
National Association of Hispanic Real Estate Professionals | 432020
Financial Performance
$9.1M REVENUE $8.9M EXPENSES
REVENUE SOURCES
(APPROXIMATE)
35% Conferences
31% Chapter Revenue
30% Corporate Partnerships
2% Membership Dues
(individual and corporate)
2% Other Programs
EXPENDITURES
(APPROXIMATE)
39% Staff and Consultants
34% Conferences
19% Subsidiary Expense
3% Rent and Admin
2% Technology & Telecomm
1% Marketing
1% Legal and Accounting
1% Other
0% Travel
0% Board and CBOG
44 | SOMOS NAHREP 2020EXPAND YOUR
LENDING NETWORK
Find and contact lenders for investment properties, fix & flips, construction projects and more.
Use the tool mortgage originators rely on to close deals fast.
Proprietary lender-matching technology More than 15,000 mortgage professionals
helps you find the right lending partner search on Scotsman Guide each month
Hundreds of verified direct lenders Easily contact lenders to grow your
at your fingertips business quickly
Hard Money Construction Non-QM Prime FHA/USDA/VA
Commercial Multifamily
scotsmanguide.com/search/residential
National Association of Hispanic Real Estate Professionals | 45WHEN THE WORLD
CONGRATS
IS AT YOUR FINGERTIPS
TO ALL OF b u t s t i l l so c i a l d i s t a n c e d
OUR LOAN
CONSULTANTS written by katharine davis, associate communications director, re/max, llc
WHO PLACED
Though his business was up 35%, it wasn’t easy. Little has been in the past year, after
all. But for Luis Padilla, navigating a global pandemic while sustaining a thriving real
IN THE estate career has been less about finding clients and more about supporting them.
Padilla, the 2020 President-Elect of NAHREP and CEO of the Padilla Team at
TOP 250!
RE/MAX Advance Realty in Florida, didn’t take a single day off – weekends included –
for months. Business was booming year-over-year and demand for single-family
homes in his market was “bonkers,” he says. He credits low mortgage loan rates
and low inventory.
In North Miami, where Padilla operates his business, the market stayed active even
“Diversity is essential to when the pandemic first rocked the U.S. in March. He kept his office open and empow-
ered his team members to determine their own comfort levels when it came to work.
delivering great experience
to our customers and As for Padilla, “I never missed a beat.”
communities, and representing
A Willingness to Share Ideas
the communities that we
serve is critical to our future. In Chicago, Joe Castillo is busy responding to his most recent referral, this one from
Here at loanDepot, we Colombia. His referred business comes from all over the world, including from Ecuador
(where his mother was born) but also Arizona and California.
recognize that our employees
are our most important assets This additional business is just one of the reasons Castillo values being with a global
and biggest competitive brand, especially in a crisis. The broker/owner of RE/MAX Mi Casa and RE/MAX In the
advantage. Our commitment Village, both in the Chicagoland area, acknowledges there was a lot of initial fear when
it came to the pandemic. With so much to think about — adjusting safety protocols,
is to not only create more
helping keep his staff and agents healthy, going more virtual – and so many unknowns,
homeownership opportunities
how could there not have been?
for our customers, but to
cultivate a diverse team and But instead of letting fear take over, Castillo, a graduate of the University of Chicago
be a great place to work for. Booth School of Business and a second-generation REALTOR®, leaned into his
brand’s network.
Our diverse culture, powerful
tech, and wide product suite “There is a willingness at RE/MAX to share ideas,” the NAHREP Director says of his
are just a few reasons to join fellow franchisees and agents. “It’s extremely helpful just getting other people’s
our growing team and take answers on how they went about things. You can’t put a value on that.”
part in shaping the future of Indeed, in addition to casual conversations and social media discussions, RE/MAX
our industry.” affiliates also began idea sharing on weekly calls. Starting in early April, affiliates and
leadership from Italy to China and everywhere in between shared their experiences, key
— Jesus Cruz learnings and adaptions in the face of the pandemic during the RE/MAX Global call. In
VP, National Diversity Manager the U.S., where government shutdowns and quarantine measures were just ramping up,
affiliates were able to hear how others had adjusted and continued moving
business forward.
loanDepot.com, LLC. All rights reserved.
NMLS ID #174457 (www.nmlsconsumeraccess.org/).
For more licensing information, please visit
www.loanDepot.com/licensing. (092420 384452b)
46 | SOMOS NAHREP 2020h o w t h r e e r e a l e s tat e p r o s a d j u s t e d t h e i r
b u s i n e s s a n d m o v e d f o r wa r d i n t h e e a r ly
d ay s o f t h e g l o b a l pa n d e m i c .
Staying Engaged, No Matter What
Adjusting is the name of the game for Daisy Lopez-Cid in Kissimmee, Florida. The
broker/owner of RE/MAX Premier Properties and former NAHREP President says
that even in hospitality industry-heavy Greater Orlando, she never saw a decrease in
transactions. With a steady stream of business, the only option was to adjust to a new
way of doing things. So adjust they did.
In addition to introducing new cleaning procedures and hand sanitizer stations,
Lopez-Cid advised her agents to start putting money aside as a safety net. Like “There’s a mutual respect and cohesiveness between a
others, they stopped hosting open houses — a practice Lopez-Cid has never been a REALTOR® and a client,” Padilla says. “I need to understand
fan of — and worked through new extended turn times and reduced work hours. the clients’ perspective. Are they super concerned? Do they not
“Even when we were closed last March and April, checks kept coming in and agents want to touch anything? How do they feel about masks? I meet
kept closing deals,” Lopez-Cid says of the early months of the pandemic before the them where they are.”
market surged in late summer. That empathy speaks to the level of support Padilla has always
Like Padilla, Lopez-Cid says it’s not what they stopped doing last spring and early extended to his clients — long before the pandemic. And as for
summer so much as what they continued to do: reach out to clients and hit his increased business?
business goals. “The brand has definitely helped,” he says. “Diversity is some-
“Our goals never changed,” she says. “My biggest thing was: Continue to be the thing that attracted me to RE/MAX. The RE/MAX network is
information source for your sphere of influence. Stay in touch.” in Argentina, they’re in Mexico, they’re in California, they’re in
Chicago. Clients know the level of agent, and there’s a certain
It’s the exact message RE/MAX CEO Adam Contos and Chief Customer Officer Nick
comfort level when they walk through that door.”
Bailey were also espousing. For their part, the executives increased communications
to the network, most notably with the introduction of two new weekly Facebook Live
shows. “Good Morning RE/MAX,” hosted by Bailey, welcomes guests — including
then-U.S. Secretary of Housing and Urban Development (HUD) Dr. Ben Carson,
legendary entertainer and Children’s Miracle Network Hospitals co-founder Marie
Osmond, and NAHREP Co-Founder and CEO Gary Acosta — onto the show to discuss
market conditions and success tips. Contos’ “Mind Body Business” was a weekly,
5-minute show that suggests a holistic approach to wellness in all aspects of life.
Katharine Davis
Lopez-Cid saw that hustle and matched it. She turned her quarterly team meetings
is the Associate Communications
into weekly meetings. She encouraged her agents to visit RE/MAX University, the
Director for RE/MAX, LLC,
brand’s online learning platform that ramped up webinars and teaching during the
where she oversees storytelling
quarantine, and to absorb as much of what the brand was putting out as possible. for news.remax.com. She joined
“I love that RE/MAX didn’t just sit back,” Lopez-Cid says. “Our leaders — Adam and RE/MAX in 2013 and earned her
Nick — went into full gear and took off. They kept doing what they had to do to keep bachelor’s degree in journalism
our people engaged. As a broker, I followed them and did that too.” from Auburn University.
Meeting the Clients Where They Are
Back in North Miami, Padilla says he has no apprehension about showing or listing
properties in the current climate. For him, the key is listening to his clients and know-
ing how to mirror the level of concern they have toward COVID-19.
National Association of Hispanic Real Estate Professionals | 47N A HREP’S 2020
CHAPTER
Carla Moreno Fabian Amarillo Gabriela Chavez
Seattle Northern Wasatch Oklahoma City
Moises Rosales Morelza Boratzuk
Bakersfield Salt Lake City
Lucy Moreno
Central Valley
Mike Chapa
Coachella Valley
Gloria Chavez
Fresno
Esthela Duran
Greater Sacramento
Fidel Carranza
High Desert
Stephanie Martinez
La Jolla
Dan Tran
LA San Gabriel Valley
Alfonso Osorio
LA South Bay
Rose Ann Djelmane
Los Angeles
Venny Saucedo
Montebello Southeast LA
Nohemi Chavez
North County San Diego
Ricardo Hernandez
Orange County
Luisa Ayala
San Diego
Juan Carlos Andrade
San Fernando
Michael Bardales
San Ramon Valley
Sandra Holguin
Santa Clarita
Richard Ozuna Michael Palucha
Silicon Valley Austin
Kevin-James Gonzalez Lisa Almaguer
SoCal Inland Empire Dallas
Adriana Burrus Oscar Alvarado
Temecula Valley El Paso
Michael Gutierrez Nikki Skalsky
Tulare Fort Worth
Jennifer San Juan Danny Garcia
Ventura Houston
Karla Godinez Claudia Pastor
West San Fernando Valley Katy West Houston
Teri Bonnel
North Houston
Dahlia Garcia Jessie Arellanes Brenda Quintana
San Antonio Greater Las Vegas Greater Phoenix
Diana Sifuentes Eduardo Buller Guadalupe Mitz Suzette Reed
Texas Plano / Garland Las Vegas Tucson Denver
48 | SOMOS NAHREP 2020NETWORK
Elba Guille Garza Ivonne Payes Selena Williams Maria F Delgado-Proano Ideliza Duarte
Twin Cities Chicago Atlanta DC Bronx
Rosa Bueno Nina Rodriguez
Pedro Rivera Chicago North Samuel Alba
Brooklyn
Milwaukee Providence
David Dominguez Raquel Carranza
Chicago West Long Island
Jose Rodriguez Michele Hamburg
Lake County Putnam County
Jesselynn Rivera
Queens
Elsa Seguinot
Rockland
Maria Diaz
George Uribazo
South Queens
Boston
Jose Oropeza
Karina Robles
Staten Island
Central Massachusetts
Christina Maldonado
Alina Gutierrez Upper Manhattan
Fairfield County Veronica Suarez
Westchester
Maria F Salazar Richard Saltos
Morris County Central Maryland
Maria Gesualdi Mynor Herrera
North New Jersey Maryland Greater Capital
Frances Rosado
Passaic County
Marina Gallegos
Somerset
Darwin Roman
South New Jersey
Ernesto Rijavec
Jose Lino
Cape Coral Fort Myers
Union Essex
William Benitez
Central Florida
Luis Suarez
Jennifer Feliciano Fort Lauderdale
Columbia
Dina Boscio
Jacksonville
Ana Aponte Maria Alexandra Idler Myrna Colón
Charlotte Northern Virginia Melbourne
Cid Fernandez
Naples
Veronica Figueroa
North Orlando
Juan Robles
Palm Beach
Roseli Homem
Sarasota
Renyel Rivero
South Florida
Leslie-Ann Pagan
Patricia Mesa Tampa Bay
Knoxville
Janet Abeja Francisco Fernandez Ramona Bautista
Nashville Puerto Rico West Broward
National Association of Hispanic Real Estate Professionals | 49MOISES ROSALES LUCY MORENO MIKE CHAPA GLORIA CHAVEZ ESTHELA DURAN
Bakersfield Central Valley Coachella Valley Fresno Greater Sacramento
California
2020 Chapter Presidents
FIDEL CARRANZA
High Desert
STEPHANIE MARTINEZ DAN TRAN ALFONSO OSORIO ROSE ANN DJELMANE VENNY SAUCEDO
La Jolla LA San Gabriel Valley LA South Bay Los Angeles Montebello Southeast LA
NOHEMI CHAVEZ RICARDO HERNANDEZ LUISA AYALA JUAN CARLOS ANDRADE MICHAEL BARDALES
North County San Diego Orange County San Diego San Fernando San Ramon Valley
SANDRA HOLGUIN RICHARD OZUNA KEVIN-JAMES GONZALEZ ADRIANA BURRUS MICHAEL GUTIERREZ
Santa Clarita Silicon Valley SoCal Inland Empire Temecula Valley Tulare
JENNIFER SAN JUAN KARLA GODINEZ
Ventura West San Fernando Valley
50 | SOMOS NAHREP 2020GEORGE URIBAZO IDELIZA DUARTE NINA RODRIGUEZ RICHARD SALTOS KARINA ROBLES
Boston Bronx Brooklyn Central Maryland Central Massachusetts
The Northeast
2020 Chapter Presidents
MARIA F DELGADO-PROANO
DC
ALINA GUTIERREZ RAQUEL CARRANZA MYNOR HERRERA MARIA F SALAZAR MARIA ALEXANDRA IDLER
Fairfield County Long Island Maryland Greater Capital Morris County Northern Virginia
MARIA GESUALDI FRANCES ROSADO SAMUEL ALBA MICHELE HAMBURG JESSELYNN RIVERA
North New Jersey Passaic County Providence Putnam County Queens
ELSA SEGUINOT MARINA GALLEGOS DARWIN ROMAN MARIA DIAZ JOSE OROPEZA
Rockland Somerset South New Jersey South Queens Staten Island
JOSE LINO CHRISTINA MALDONADO VERONICA SUAREZ
Union Essex Upper Manhattan Westchester
National Association of Hispanic Real Estate Professionals | 51SELENA WILLIAMS MICHAEL PALUCHA ERNESTO RIJAVEC WILLIAM BENITEZ ANA APONTE
Atlanta Austin Cape Coral Fort Myers Central Florida Charlotte
The South
2020 Chapter Presidents
LISA ALMAGUER OSCAR ALVARADO
Dallas El Paso
LUIS SUAREZ NIKKI SKALSKY DANNY GARCIA DINA BOSCIO CLAUDIA PASTOR
Fort Lauderdale Fort Worth Houston Jacksonville Katy West Houston
PATRICIA MESA MYRNA COLÓN CID FERNANDEZ JANET ABEJA TERI BONNEL
Knoxville Melbourne Naples Nashville North Houston
VERONICA FIGUEROA JUAN ROBLES FRANCISCO FERNANDEZ DAHLIA GARCIA ROSELI HOMEM
North Orlando Palm Beach Puerto Rico San Antonio Sarasota
RENYEL RIVERO LESLIE-ANN PAGAN DIANA SIFUENTES RAMONA BAUTISTA
South Florida Tampa Bay Texas Plano / Garland West Broward
52 | SOMOS NAHREP 2020IVONNE PAYES ROSA BUENO DAVID DOMINGUEZ
We’re grateful for
Chicago Chicago North Chicago West
the opportunity
to share
the NAHREP
The West & Midwest mission.
2020 Chapter Presidents
No matter where the real
estate and lending markets
are headed in 2020, relation-
ships are still our priority…
and they always will be.
At Caliber Home Loans, Inc.,
we’re always grateful for
JESSIE ARELLANES BRENDA QUINTANA JOSE RODRIGUEZ the chance to build new re-
Greater Las Vegas Greater Phoenix Lake County
lationships. Whether we’re
assisting another first-time
buyer with achieving their
dreams of home ownership
or assisting the nation’s real
estate professionals, build-
ers and staff, we’ll always
be grateful to the members
EDUARDO BULLER PEDRO RIVERA FABIAN AMARILLO and staff of NAHREP for their
Las Vegas Milwaukee Northern Wasatch support and guidance.
No matter where you are or
who you are, you can trust
everyone at Caliber Home
Loans to share our exper-
tise and help you solve
almost any challenge you may
GABRIELA CHAVEZ MORELZA BORATZUK CARLA MORENO be facing.
Oklahoma City Salt Lake City Seattle
caliberhomeloans.com
GUADALUPE MITZ ELBA GUILLE GARZA
Tucson Twin Cities
Caliber Home Loans, Inc., 1525 S. Beltline Rd Coppell, TX
75019 (NMLS #15622). Copyright © 2020. All Rights Reserved.
Equal Housing Lender. Intended for real estate and lending
professionals only. (38831)You can also read
