Maryland REALTORS Promote - 4 15 Fair Housing Act 24 CEO Corner
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VOLUME LIV NUMBER 3 / APRIL / MAY 2020
Maryland REALTORS Promote
®
mdrealtor.org / marylandhomeownership.com
4 Leaders of the PAC
15 Fair Housing Act
24 CEO Corner
MARYLAND REALTORS ® The Voice For Real Estate ® In Maryland
STAR
POWER.
The real estate brand that shines like no other.
Coldwell Banker’s parent company, Realogy, has been named one of the World’s
®
Most Ethical Companies eight years in a row*. Impeccable standards. Business
practices beyond reproach. Isn’t that exactly who you’d want to trust with one of the
biggest decisions of your life? Join us today and discover your star power.
ColdwellBankerCareers.com
*Ethisphere Institute, 2011-2018. Real estate agents affiliated with Coldwell Banker Realty are independent contractor sales associates, not employees. ©2020 Coldwell Banker. All Rights Reserved. Coldwell Banker and the Coldwell Banker
logos are trademarks of Coldwell Banker Real Estate LLC. The Coldwell Banker System is comprised of company owned offices which are owned by a subsidiary of Realogy Brokerage Group LLC and franchised offices which are independently
®
owned and operated. The Coldwell Banker System fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. 20UHGJ_MAR_3/20
TABLE OF CONTENTS
FEATURES
LEADERS OF THE PAC 4
MARYLAND REALTORS®
AWARDS CALL FOR ENTRIES 11
THINK GLOBALLY,
COUNT LOCALLY 12
VOLUNTEER WITH MARYLAND
REALTORS® IN 2021 14
FAIR HOUSING ACT 15
FAIR HOUSING:
A REALTOR®’S RESPONSIBILITY 20
SELL MORE
WITH MARYLAND! 22
COMMERCIAL SYMPOSIUM
SAVE THE DATE 24
4
NAR TECH EDGE
SAVE THE DATE 32
LEADERS OF THE PAC
DEPARTMENTS
PRESIDENT’S PERSPECTIVE 3
CEO CORNER 24
BRIGHT MLS 26
COMMERCIAL CONNECTION 28
FROM THE HOTLINE 31
12
THINK GLOBALLY,
24
CEO CORNER BRIGHT MLS
26
COUNT LOCALLY
www.mdrealtor.org MARYLAND REALTOR® APRIL / MAY 2020 1
2020 Maryland REALTORS®
Leadership Team
REALTORS®
Maryland REALTORS®
200 Harry S Truman Parkway | Suite 200
Annapolis, MD 21401-7348
800.638.6425 | www.mdrealtor.org
Leadership Team
John A. Harrison Dee Dee Miller John A. Harrison | President
President President-Elect Dee Dee Miller | President-Elect
RE/MAX Executive Long & Foster Real Estate Dale Ross | Treasurer
8432 Veterans Highway, Suite A 541B Baltimore Annapolis Boulevard Craig Wolf | Secretary
Millersville, MD 21108 Severna Park, MD 21146 Merry Tobin | Immediate Past President
443.274.1900 443-995-2297 Chuck Kasky, RCE | Chief Executive Officer
johnh@remax.net deedee@lnf.com
Editor
Laurie Benner | laurie.benner@mdrealtor.org
Advisory Committee
Elisabeth Yeager | Chair
Advertising
Arlene Braithwaite | 410.772.0820
Publication Design
HBP, Inc., 952 Frederick Street, Hagerstown, MD 21741
800.638.3508 | www.hbp.com
Craig Wolf Dale Ross Mission Statement
Secretary Treasurer Maryland REALTORS ® exists to support all segments of its
American Home Shield Pioneer Realty, Inc. membership and their specialties. Maryland REALTORS®, through
907 Autumn View Court 7917 Declaration Lane collective efforts with local boards/associations and the National
Bel Air, MD 21014 Potomac, MD 20854 Association of REALTORS®:
443.643.6742 301.466.1067 ■ Develops and delivers programs, services and related products
cwolf@ahslink.com daleross1067@gmail.com that maintain and elevate the high standards of the real estate
business and the professional conduct of its practitioners;
■ Assists members in ethically and professionally serving the public;
■ Promotes and preserves the right to own, transfer and use real
property; and
■ Protects the right of members to conduct business within a
framework of fair and reasonable laws and government
regulations.
In principle and in practice, Maryland REALTORS® values and seeks
diversity and inclusive participation within the field of real estate and
recognizes each member as a unique individual.
Maryland REALTOR® (USPS 0016-017) is published bimonthly by Maryland REALTORS®, Suite 200,
200 Harry S Truman Parkway, Annapolis, MD 21401-7348. Periodical postage paid at Annapolis
Merry Tobin Chuck Kasky, RCE and additional mailing offices. Postmaster send address changes to: Maryland REALTOR®, Suite 200,
200 Harry S Truman Parkway, Annapolis, MD 21401-7348.
Immediate Past President Chief Executive Officer Member subscriptions of $3.81 are paid with annual dues.
This publication is designed to provide accurate and authoritative information regarding the subject
RE/MAX Executive Maryland REALTORS® matter covered. It is offered with the understanding that the publisher is not engaged in rendering
professional advice. If legal advice or other expert assistance is required, the services of a competent
1919 Main Street 200 Harry S Truman Parkway, Suite 200 professional should be sought. Articles that appear in Maryland REALTOR® are an informational
service to members. Their contents are the opinions of the authors alone and do not necessarily
Chester, MD 21619 Annapolis, MD 21401 represent those of Maryland REALTORS®.
443.716.3540 800.638.6425 Permission to reprint articles appearing in Maryland REALTOR® magazine must be requested in
writing. Also include purpose for request.
merry@merrytobin.com chuck.kasky@mdrealtor.org While this magazine makes a reasonable effort to establish the integrity of
its advertisers, it does not endorse advertised products or services unless
specifically stated. ©2020 Maryland REALTORS®, Inc.
2 MARYLAND REALTOR® APRIL / MAY 2020 www.mdrealtor.org
President’s Perspective JOHN A. HARRISON
Spring Into Action
H
istorically, when the calendar turns to April, we If you are new to state committee service, we have a
would be talking about how the spring market is wide variety of committees from which to select and
heating up and making predictions about how I’m certain you can find one that interests you. Please
robust it will be. It feels like the new normal is for there turn to page 29 to learn more, and I hope to see
to be little if any slowing down during the winter months. you on a committee in the upcoming year! Last year we
The most recent housing statistics bear this out. This had over 350 members apply, and we placed everyone
January, year-over-year numbers were up significantly on a committee of their choosing. It’s a great way to
in every category, as inventory continues to shrink. Visit give back.
mdrealtor.org for more information. Because of the global COVID-19 pandemic, NAR
I would like to thank everyone who attended one of has opted to deliver the annual Legislative Meetings &
the Regional Roundtables we held around the state. Trade EXPO, which is typically held in Washington, D.C.
Attendance exceeded our expectations and members in May, in a virtual format. To learn more, visit
heard from our capable Maryland REALTORS® staff nar.realtor. Maryland REALTORS® is working hard to
followed by a lively question and answer period. The make sure our members are kept up-to-date with the
roundtables are a great way for us to connect and I hope most important information on industry impacts and
my successors consider holding them again soon. business best practices.
As you know, April is National Fair Housing Month and it Given that advocacy is the association’s primary mission,
is more important than ever for REALTORS® to recognize it’s important to recognize the members who support our
the significance of the Fair Housing Act and reconfirm efforts through their investments in RPAC. Please turn to
our commitment to upholding fair housing laws and our page 4 to see the “Leaders of the PAC.”
obligation to offer equal professional service to all in their Finally, it’s that time of the year for our call for Industry
search for a home. This issue focuses on that theme. Awards to recognize REALTORS® who go above and
It’s also the time of year we begin our “Call for Volunteers” beyond the call of duty to help their neighbors and local
for the 2021 committees, which begin in October of this communities. We all know that being a REALTOR® is not
year. Committee applications will be available starting just about selling real estate. If you know someone who
June 1st. Our association and the important work we is deserving of recognition, please go to page 11 to find
do is member-directed. We need members like you to out how to nominate him or her.
help move the work of the association forward. Please Stay safe and healthy, and we look forward to seeing you
apply before the deadline—even if you are currently on a all soon!
committee and wish to continue.
www.mdrealtor.org MARYLAND REALTOR® APRIL / MAY 2020 3
2019 Edition
LEADERS
OF THE PAC
Thank you to all of our 2019 RPAC investors. Your Special thanks to the generous support of RPAC Platinum
support of RPAC demonstrated your insight about the R, Golden R and Crystal R investors for their extraordinary
importance of our efforts to support candidate who leadership and dedication.
understand our industry and our profession.
PLATINUM R SUSTAINING
PRESIDENT’S « Alicyn DelZoppo INVESTORS PLATINUM R
CIRCLE « Melanie Gamble « Dale Ross INVESTORS
Those REALTORS who are « Iona Harrison « Greater Baltimore Board « Al Ingraham
« John J. Harrison of REALTORS®
major investors AND pledge
« Harold Huggins « Greater Capital GOLDEN R
$2,000 in direct-candidate
« Al Ingraham Area Association of INVESTORS
contributions REALTORS®
« Robert Johnston « Robert Johnston
« Cheryl Abrams « Prince George’s
« Charles Kasky « Dee Dee Miller
« Koki Adasi County Association of
« Janice Kirkner « Anne Arundel County
« William Armstrong REALTORS®
« Denise Lewis Association of
« J. Russell Boyce REALTORS®
« Carole Maclure
« Jason Brand « Harford County
« Dee Dee Miller Association of
« Jan Brito
« JoAnne Poole REALTORS®
« Boyd Campbell
« Dale Ross « Maryland REALTORS®
« Bonnie Casper
« Ellie Shorb « Southern Maryland
« Jon Coile
« Lee Tessier Association of
« James Coley, Jr.
REALTORS®
« Seth Dailey
4 MARYLAND REALTOR® APRIL / MAY 2020 www.mdrealtor.org
SUSTAINING FIRST-TIME « Sandra Smith « Craig D. Strobel
GOLDEN R STERLING R « Veronica Sniscak « Judy Szynborski
INVESTORS INVESTORS « Marty Stanton « Lisa Van Tassel
« William Armstrong The RPAC Trustees would « DeAnne Sutton « Beth Viscarra
« J. Russell Boyce like to recognize first-time « Kirsten Williams
THREE-TIME STERLING R
« Bonnie Casper Sterling R Investors for their « Shelia Williams « Phyllis Adam
« Jon Coile generous contributions of « Lisa Wissel « Bernadette Cole
« Seth Dailey $1,000 to RPAC in 2019. « Robert Wustner « Patricia Dowtin
« Iona Harrison « Whitehead Real Estate « Bernie Flax
Thank you for your support!
« John J. Harrison Executives
« Avram Adler « Peg Mancuso
« Patricia Kallmyer « Joni Martin Williamson
« Debora Barino MULTIYEAR
« Janice Kirkner
« Camisha Barnes-Jonas STERLING R « Christine McNelis
« Carole Maclure
« Mike Booz INVESTORS « Sandy Mosberg
« Robert Munson « Peter Murray
« Jason Brand The RPAC Trustees would
« JoAnne Poole « Richard Proctor
« Kevin Carey further like to recognize the
« Kevin Turner « Heather Schafer Adkins
« Michele Cordle multiyear Sterling R investors
« Joseph Stephens, Jr
CRYSTAL R « Brad Cox for 2019 and thank them for
« Jennifer Ward
INVESTORS « Mark Davis their continued support.
« Cynthia DelZoppo « Lakeesha Washington
« Georgie Berkinshaw TWO-TIME STERLING R
« Kay Deitz « Melissa Evans FOUR-TIME STERLING R
« Amanda Addington
« Alan Grubb « Nakia Evans « Sammy Barbieri
« Wendy Banner
« Randall Rothstein « Maureen Farley « Jan Brito
« Audrey Bullock
« Howard County « Laura Forbes « Donald Frederick
« Daphne Lynn Cawley
Association of REALTORS® « Eugene Frazier « Ben Frederick
« Jessica Coates
« Melanie Gamble « Jennifer Grove
SUSTAINING « David Cummings
« Eric Garrett « Daniel Hoff
CRYSTAL R « Barbara Davis
« Meg Gawler « Daniel Iampieri
INVESTORS « Scott Goldberg
« Thomas Drechsler
« Paul Carlos Lancaster
« Frank Boston « Wendy Friend
« Hugh Gordon « Justin Levitch
« James Coley, Jr. « Kris Ghimire
« Katherine Gordon « Veera Phillips
« Chuck Kasky « Pamela Harrison
« Mike Graziano « Andres Serafini
« Grace Masten « Thomas Higgins
« Mary Groven « Jason Sherman
« Lee Tessier « Joanie Hynes
« Terence Healy « Tim Shotzberger
« Georgiana Tyler « Elizabeth Iampieri
« Stefan Holtz « Jim Skirven
« Joseph Wilson « Franklin Jamison
« Pamela Jenkins « Sheila Washburn
« Craig Wolf « Terry La Scola
« Deborah Jensen-Grubb « Jay Webster
« Jennifer Marshall
« Jenn Klarman
« Timothy Murphy FIVE-TIME STERLING R
« Andy Mackintosh
« Maureen Nichols « Gregory Ford
« Jeffrey Matthews
« Greg Phillips « Brandon Johnson
« Brian McGeehan
« Scott Rosenthal « Denise Lewis
« Terry Orphe
« Janice Schaefer « Diane Mahaffey
« Sam Perry
« Timothy Schlauch « Dale Mattison
« Laura Peruzzi
« Stuart Schmidt « Michael Patrick
« Shameeka Price
« Heather Shai « Joan Ryder
« Mary Ratchford
« Veronica St. Clair « Ellie Shorb
« Theresa Simon
« Marian Staab « Merry Tobin
« Lisa Smallwood
www.mdrealtor.org MARYLAND REALTOR® APRIL / MAY 2020 5
CAPITOL CLUB « Vicki Harmon
($200–$999) « Barbara Henderson
« Nadia Allen Bush « Christopher Hill
« Jessica Almodovar « Sharon Hiner
« Retha Arrabal « Samuel Hoff
« Alana Aschenbach « Nancy Hofmann
« Sunita Bali « Neda Howell
SIX-TIME STERLING R THIRTEEN-TIME STERLING R « Kevin Barnaba « Robert Jenets
« Anita Davis « Shirley Matlock « Kathleen Beadell « Sandra Jenkins-Blackburn
« Christopher Drewer « Michael Moran « Tina Beliveau « Sherry Kalish
« Edward Garono « Anita Blye « Sue Kelley
FOURTEEN-TIME STERLING R
« Tim Reinhart « Gwenn Bockelmann « Bob Kimball
« Michael Cerrito
« Diana Rucci « Zachary Bodine « Molly King
« Buzz Mackintosh
« Cathy Werner « Russell Brazil « Shannon Kocur
« Ashley B. Richardson
« Thomas Brockett « Justin Kozera
SEVERN-TIME STERLING R FIFTEEN-TIME STERLING R « Jamica Browne « Sam Leach
« John A. Harrison « Ann Moxley « Lauren Bumstead « Cheryl Leahy
« Karol Hess « Susan Pruden « Glenn Cappe « Scott Lederer
« William Martin « Beverly Rasmussen « Katherine Christensen « Richard Leonard
« Frederick County « Carroll County Association « Eunice Chu « Martha Lessner
Association of REALTORS® of REALTORS®
« Patti Click « Linda Lizzio
« Pen Mar Association of
REALTORS® SIXTEEN-TIME STERLING R « Brian Coleman « Connie Lord
« Jan Hayden « Lori Connor « Leslie Lutz
EIGHT-TIME STERLING R
« Alana Lasover « Randy Cottrell « KT Maclure
« Cheryl Bare
« John Lesniewski « Gabriela Cruz « Patricia Martin
« William Castelli
« Shelly Murray « Wayne Curtis « Hank May
« Alicyn DelZoppo
« Patrick Ulrich « Michael Davidson « Charles Maykrantz
« Marla Johnson
« Lauren Davis « Denise Mersinger
« Yolanda Muckle SEVENTEEN-TIME STERLING R
« Joe Detrick « Kristin Miller
« Howard County Real Estate « Jack Bannister
« Anthony Devol « Donna Moffett
Million Dollar Club
EIGHTEEN-TIME STERLING R « Thomas Mooney
« Katherine Dixon
NINE-TIME STERLING R « Cindy Ariosa « Linda Moran
« Karen Donaldson
« Cheryl Abrams « Boyd Campbell « John Moseman
« Bethany Drew
« Koki Adasi
TWENTY-THREE TIME « Cameron Drew « Barbara Nalls
« Jean Andrews STERLING R « Julia Neal
« Nora Drury
« Leigh Lawson « Real Estate Million Dollar « Rachel Oslund
« Alyssia Essig
« Patricia Long Association of Baltimore « David Pinto
« Paul Fenton
TEN-TIME STERLING R TWENTY-SEVEN TIME « Marc Fisher « Jonathan Prettyman
« John A. Coller STERLING R « Marc Fleisher « Constance Rader
« Marilyn Rhodovi « Harold Huggins « Grant Fritschle « Tanya Redding
THIRTY-TIME STERLING R « Dicky Gaines « Patricia Rumbaugh
ELEVEN-TIME STERLING R
« Nancy Hubble « Jeffrey Ganz « Joseph Sabelhaus
« Desiree Callender
« Lee Goldstein « Dana Scanlon
« Thomas Hough
« Todd Greenbaum « Jill Schwartz
« Connie Stommel
« Jacqueline Grenning « Genie Schwind
« Carol Haigh « Salvatore Scuto
continued on page 8
6 MARYLAND REALTOR® APRIL / MAY 2020 www.mdrealtor.org
« Beth Caruso « Deborah Dwyer
« James Castle « Bonnie Dypsky
« Collette Cavegn « Dan Early
« Christine Centofanti « Carol Eickert
« Mary Cerami « Patrick Elbert
« Ellen Cerasuolo « Laurence Eul
« Sheila Chambers « Carlos Evans
« Sandra Serrao « Nina Beitzel « Kathy Cheatham « Todd Ewing
« Kelly Sharpless « Ida Belinky « Siu Cheung « Joseph Fagiolo
« Anthony Shore « Jonathan Bell « Herbert Chisholm « Wanda Farrar
« P. Joy Siegel « Herbert Belton « Song Chu « Sandra Fehl
« A. Wayne Six « Deborah Benkert « Karen Clark « Jerome Feldman
« Aimee Smith « Laurie Benner « Kathleen Clark « Marianne Ferguson
« Larry Smith « Charles Benson « Lindsay Clark « Michelle Fields-Hall
« Lee Smith « Ed Beres « Susan Cleary « Gregory Fisk
« Shannon Smith « Tom Biegler « Walter Clews « John Ford
« Colleen Smyth Cogan « Christine Bishop « James Clubb « Dennis Fortney
« John Steffey « Sean Bittinger « Andre Collins « Richard Foster
« David Stromberg « James Blackwell « Gretchen Conley « Elizabeth Foster
« J. Teitelman « Tim Blanchfield « Raymond Contee « Carl Franzen
« Helen Thomas Goode « Ernest Blaser « Deborah Cook « LaTosha French
« Juan Umanzor « Anh Boesch « Dawn Cook « Candice Friday
« Darnell Venable « Kimberly Bogris « Bruce Cotting « Lora Fritschle
« Pam Wadler « Dennis Bolen « Regina Crabb « William Frost
« Brent Whalen « Christopher Boris « Terah Crawford « Heidi Gage
« Sally Yasenka « Alvaro Borzet « Carol Sue Crimmins « Linda Gall
« Michael Yerman « Russell Bounds « Michael Cumerlato « Georgie Gambrill
« John Young « Carole Bowen « Richard Curtis « Carlos Garcia
« William Bowen « Jackie Daley « Luciano Gargano
$99 CLUB « Roy Bowerman « J. Nicholas D’Ambrosia « Christy Gartland
($99 - $199) « Jacqueline Boykin « Nateka Dancy « Karen Gaylord
« Akinbode Akinola « Kevin Brady « Michelle Dansby « Catherine Gazzo
« John Akridge « Fred Brand « Dianna Darney « Ann Gifford
« William Ampofo « Liz Brent « Katherine Davis « Ivy Gifford
« Laura Anderson « George Brookhart « Claudette Davis « Bryan Gleason
« Jennifer Anderson « Kathleen Brooks « Floretta Davis « Suzanne Glocker
« Tammy Andrews « Nickolas Brown « Katherine Deckenback « Kathleen Goff
« Jeffrey Annis « Ralph Brown « James Diamond « Roberto Gonzalez
« Elizabeth Anthony « Valerie Brown « Marie Dias « Judith Gordon
« Biana Arentz « Deborah Buckingham « Stanley Dill « Brooks Grasso
« Sydney Ashley « Pamela Buckley « Michael Dillon « Nolen Graves
« Chantal Attias « Cam Bunting « Judith Dinges « Robert Graves
« Robin Ballinger « Carolyn Burns « Melissa Divers-Reed « Melanie Graw
« Jacqueline Barbieri « W Corey Burr « Karen Doerr « Rich Greco
« Lynn Beattie « William Burris « R Downey « Dormaim Green
« Andrew Beaven « Suzanne Burton « Mike Dunn « Briana Green
« Debra Beitzel « Delaine Campbell « Stephen DuQuette « William Griffin
8 MARYLAND REALTOR® APRIL / MAY 2020 www.mdrealtor.org« Sayed Haghgoo « Jennifer Jones « Michael Leaf « Christopher McMahon « Bonnie Haley « Traci Jordan « William Leager « Robert McWilliams « C.D. Hall « Abraham Joshua « Dawn Lednum « Bryant Meldrum « George Hall « Myung Kang « Sara Lenes « Jennifer Melvin « Edward Haraway « Alexander Karavasilis « Kevin Lewis « Clifford Meredith « Janice Hariadi « Brenda Kasuva « Rebecca Lewis « Denise Merson « Stephen Harker « Michael Kennedy « Reuben Lilly « Gary Michael « Thomas Harner « Robert Kerxton « Fredericka Lloyd « Jill Michaels « James Harrison « Goher Khan « Sandra Lofgren-Sargent « Derek Miller « Craig Harshman « Matthew Kimball « Jose Lopez-Boggio « Kimberly Mills « Marye Jo Hartley « Billy Kinberg « Vaughn Lynch « Larry Mills « Charles Hartman « Julie King-Schulz « Mary Lynch « Damon Moats « Cecilia Hayes « Caron Kinsey « Michael Lyons « Margaret Moran « Mickey Hayward « Diana Klein « Irene Mabry Moses « Terry Morris « Robert Healy « Charles Klein « Daniel MacQuilliam « Constance Morrissette « Tracy Heater « Donieta Jeni Kneessi « Marjorie MacSorley « Cynthia Moses « Wendy Herndon Hess « Jessica Knopp « Joseph Maggio « Charles Moultrie « Barry Hess « Charles Kohlhoss « Diane Marsden « Dennis Murphy « Diane Hessenauer « Olufolajimi Kolawole « Jay Mason « Kevin Murphy « Debora Hileman « Patrick Komiske « Cynthia Massari « Nathan Murray « Alex Hillman « Charles Koontz « George Matthews « Terri Murray « Paul Hillstrom « Mary Anne Kowalewski « Terrie Matthews « Richard Murtagh « Suzanne Hinder « Corey Lancaster « Barbara Mattingly « Stephanie Myers « Alex Hodges « Steven Landsman « Lynn Mauk « Karen Myers « Anneliese Hoffmann « Patricia Lane « Brian Maury « Carlton Nabb « Wendy Hofmann « Christine Langford Dixon « Richard May « Patricia Nassief « Sandra Hopkins « Robert Langley « William McCain « William Natter « Timothy Hopkins « Julie Larson « Carolyn McCarthy « Hedy Nelson « Clarence Horst « R. James Latham « Douglas McClive « Gaurishankar Nerurkar « Irma Houck « Joseph Laumann « Ann McClure « Richard Neville « Deborah Hutson « Alexander Hwang « James Hyatt « Tina Hyatt « William Ibarra « Charlotte Ingram « Subbarayudu Jakkampudi « Gary James « Joy Jarboe « Chris Jett « Michael Johnson « George Johnson « Robert Johnston « Joan Jones « Kimberly Jones « Mary Jones « Laura-Lee Jones www.mdrealtor.org MARYLAND REALTOR® APRIL / MAY 2020 9
« Lourquiza Nichols « Stuart Rogal « Michael Stanford « Stephen Watson
« David Norkus « E. Veronica Rolocut « Paul Stanley « Victor Watson
« Mark Novak « Sheryl Romeo « Sheila Stedman « Michael Weisner
« Gerard Occhiuzzo « Avi Ron « Stuart Stern « William Weissgerber
« John Michael O’Connell « Noni Rondeau « Ray Stevens « Ray Whilhide
« Tammy O’Connor « Harry Roop « Leslie Stevenson « Victor White
« Lynda O’Dea « Michael Rosendale « Asia Stoddard « Darron Whitehead
« Deborah O’Hara « Tammy Rosendale « Margaret Sturgill « Hilda Whittington
« Michael Oleru « Susan Rosko-Thomas « Sandra Sugar « Vernada Williams
« Jessica Olevsky « Mary Betsie Russell « F. Aidan Surlis « Kara Williams
« Christine Olfus « Sherri Russell « Max Sweet « Farone Williams
« Sandra Olson « Jeanne Russo « Stephanie Talbott « Isabelle Williams-Brown
« Christina O’Meara « Alexander Ruygrok « John Tauber « Karen Willis
« John O’Neill « Elisabeth Salchow « Michael Taylor « Penny Wilson
« John Orem « Justin Sapp, Sr. « Robb Taylor « Betty Wilson
« Richard Orr « Lynn Sapperstein « Ronald Taylor « Charles Windsor
« Martin O’Toole « Rick Saylor « Maria Terry « Sandra Wing
« Lorence Ottley « David Schneider « Rose Thomas « Jarrett Wise
« Kitty Owings « James Schneider « Keely Tolley « D. Todd Wood
« Walter Palmer « Branden Schroeder « Matthew Tomlinson « James Wright
« Guiying Pan « Jacqueline Sellers « Kyle Tomlinson « Hans Wydler
« Regina Parker « Paulette Shaduk « Nicholas Turner « Jumei Zhang
« Bonnita Parks « Robert Shannahan « Judy Tyree
« Steven Parsons « Doris Shapiro « Daniel Ungar
« William Peach « Daniel Sheppard « Michelle Upton
« Katalin Peter « Charmaine Shifflett « Janice Valois
« Rita Petitt « Daniel Shoemaker « Eric Verdi
« Craig Pittinger « John Shorb « Hanna Wang
« Leslie Pladna « Andrew Silverberg « Rebecca Ward
« Ari Plaut « Bob Simon « Elinor Warring
« Claudia Pleasants « Linda Simpson « Kimberly Washington
« David Post « Douglas Smith « Theodorsia Washington
« Cynthia Press Keats « Joyce Smith « Jonathan Waterhouse
« Pamela Price « Paula Smith
« Mary Pryszmont « Hugh Smith
« George Purnell « Ronald Smith
« Quyen Quach « Virginia Smith
« Jean Quattlebaum « Phaedera Smith
« Lee Radcliffe « Anne Smoley
« Nancy Reed « Sherry Sobolewski
« Deborah Rice « Angela Solomon
« Robert Rich « RoseAnn Spalt
« Terry Riley « Donna Spare
« Yvette Rippeon « Sharon Spedden
« Gayle Roberts « Robert Spicer
« James Robinson « Elizabeth Spiker Holcomb
« Lilian Rodriguez « Ed Stanfield
10 MARYLAND REALTOR® APRIL / MAY 2020 www.mdrealtor.orgC a l l fo r Entries {
MARYLAND REALTORS® AWARDS
Maryland REALTORS® takes great pride in awarding industry honors to outstanding REALTORS®. Recognition
is a positive reward for a job well done. It is vital that we honor those individuals who have given outstanding
service to the real estate industry and the local boards/associations. The awards will be presented during the
Annual Installation and Awards Gala in Annapolis on September 25, 2020.
To qualify, complete the appropriate applications, The Award will be divided between a large board/
or to learn more about each award, please visit: association (1,000+ members) and a small board/
mdrealtor.org. All forms may be completed and association (fewer than 1,000 members) beginning
submitted online to Maryland REALTORS®. June 1, 2019 through May 31, 2020.
The Maryland REALTORS® Community Service DEADLINE: JUNE 30, 2020
Award—honors individual REALTOR® members The REALTOR® of the Year (ROTY) Award—One
who give unselfishly of their time to assist the ROTY application is required to be submitted by
communities in which they live. Individuals can each local board/association to be entered in the
apply directly to Maryland REALTORS® and there Maryland REALTORS® competition. The winner of
is no limit to the number of entries submitted by the state award will travel to National Association
local boards/associations or firms for this award. All of REALTORS® (NAR) Annual Convention for
nominees submitted to local boards/associations consideration in the national award. This award is
must be submitted to Maryland REALTORS®. submitted directly by your local board/association
DEADLINE: JUNE 30, 2020 for consideration.
The Community Action and REALTOR® Excellence DEADLINE: CONTACT YOUR LOCAL ASSOCIATION
(CARE) Award—This award is given to local Other annual awards include the Lifetime
board/associations recognizing achievements Achievement Award, Omega Tau Rho Fraternity
in community service and charitable actions. Award, President’s Award, Shining Star Award,
The award is designed to raise the profile of and more. For a full list of all the awards given
REALTORS® and the REALTOR® organization by the association, please visit: mdrealtor.org/
by focusing on boards or associations that have Association/Get-Involved/Industry-Awards or call
demonstrated an extraordinary record through Maryland REALTORS® at 800.638.6425.
direct local board/association community
service involvement and to include endeavors by
REALTOR® members who are part of a local group,
team, office or individually.Think Globally,
Count Locally
T
he Maryland REALTORS® is also used to draw, adjust or comprehensive look at housing
Global Business Committee redraw congressional and state in the U.S.A. Such data includes
plans global programs, hosts legislative districts, based on where information on the size, age and
educational events and collaborates populations have increased or type of homes; home values,
with other boards and outside decreased. Counting every resident rents and mortgages; housing
entities to build awareness of the in Maryland secures a fair allocation affordability; housing pattens;
global business opportunities of government resources and residential financing; new
within our local communities and accurate legislative representation. construction and more. A number or
throughout Maryland. At first glance, It is impossible to overstate the important policy recommendations
it may seem unusual that we are importance of these numbers. The and decisions are made in reliance
taking this opportunity to focus results of the 2020 Census will help upon this data. It is difficult or
on the 2020 Census. However, determine how hundreds of billions impossible to make sound policy
as we begin the new decade, the of dollars in federal funding flow decisions if the underlying data is
2020 Census is one of the most into our communities—into your inaccurate or incomplete.
significant resources available to community—every year for the Unfortunately, certain groups
advocate for homeownership within next decade. That funding impacts have been underrepresented in
our communities in Maryland and roads, public transit, schools, the Census count. These groups
across the nation. hospitals and more. In addition, include older individuals, people
The U.S. Constitution requires that researchers, businesses, nonprofit experiencing homelessness, families
our country’s population be counted organizations and others use this with children under five and those
once every ten years. The results data to gain insight into the needs of with limited English proficiency.1
determine the number of seats the people within our communities. This is why it is critically important
each state has in the U.S. House of Of interest to REALTORS®, that we reach out to our families,
Representatives. The information census housing data provides a friends, customers and clients within
1 See, “Baltimore City 2020 Census Action Plan,” City of Baltimore, p. 6.
12 MARYLAND REALTOR® APRIL / MAY 2020 www.mdrealtor.orgthese communities to share reliable
information about the census and
underserved or underrepresented
communities. The information may
Your Privacy and
the importance of responding. be found at: 2020census.gov/en/ Confidentiality
Organizations such as the National languages.html#dd971987040-co.
You may hear concerns about privacy
Association of REALTORS®, Invitations to respond to the Census and confidentiality. The U.S. Census
Maryland REALTORS®, and the were mailed mid-March. Everyone Bureau addresses this directly on
Asian Real Estate Association of is encouraged to respond online, its website:
America (AREAA) are committed by phone or by mail by April 1.
The U.S. Census Bureau
to ensuring that the 2020 Census Throughout April, census takers
is bound by law to protect
provides an accurate count to help will survey people who live in group
your answers and keep them
us better advocate for sustainable settings, such as college students
strictly confidential. In fact,
homeownership. The Census who live on campus and people
every employee takes an
Bureau has made downloadable living in senior centers. From May
oath to protect your personal
information available in 59 through July, census workers will
information for life.
languages, in addition to English, begin visiting homes that haven’t
to make sure that everyone can responded to the 2020 Census The Census Bureau is bound
respond to the Census. Please to help make sure everyone is by Title 13 of the U.S. Code
share these resources with your counted. And finally, in December, to keep your information
friends and family, on social media, the Census Bureau will deliver confidential.
and through any organizations that apportionment counts to the Under Title 13, the Census
work with those with limited English President and Congress as required Bureau cannot release any
proficiency or other marginalized, by law. identifiable information
about you, your home, or
your business, even to law
enforcement agencies. The
law ensures that your private
data is protected and that
your answers cannot be used
against you by any government
agency or court.
The answers you provide are
used only to produce statistics.
You are kept anonymous: The
Census Bureau is not permitted
to publicly release your
responses in any way that could
identify you or anyone else in
your home.
(“How the Census Bureau Protects
Your Data,” 2020census.gov/en/
data-protection.html; February 16,
2020).
www.mdrealtor.org MARYLAND REALTOR® APRIL / MAY 2020 13VOLUNTEER with
REALTORS
® Maryland REALTORS ®
in 2021
ENHANCE YOUR MEMBERSHIP EXPERIENCE AND MAKE A DIFFERENCE BY
ANSWERING OUR CALL FOR VOLUNTEERS FOR 2021 STARTING ON JUNE 1 ST
In recent years we’ve had a record number of applicants We have over 20 committees that need your talent and
for Maryland REALTORS® Committees, and we are so passion to move the work of the association forward.
thankful our members are eager to share their talents.
If you applied last year and were not seated on a
committee, please apply again this year.
Why participate?
Volunteer contributions make it possible for Maryland
We need your skills and expertise to build an energetic
REALTORS® to fulfill our mission and advance the
and inclusive group of volunteer members to serve on
REALTOR® profession at the state level. We are currently
committees at the state level. Volunteering is a great
seeking dedicated members to serve on our committees
way to network, learn more about the association and the
beginning October 1, 2020 through September 30, 2021.
industry, and enhance your personal and career skills.
Volunteer committees assist in identifying industry
Do you have creative flair? The Annual Conference or issues, help preserve the right to own, transfer, and
Communications and PR Committees would be perfect use real property, as well as participate in the work of
for your talents. Learn more about marketing, meeting Maryland REALTORS® in partnership with staff. It does
planning, and customer focus. require an investment of your time and energy, but the
Love politics? The Legislative Committee and Public opportunity will provide you with the benefit of new skills
Policy Committees guide the association’s public policy and industry relationships.
and advocacy work at the State House. Learn more about
lobbying, public speaking, and advocacy.
How to participate
Passionate about affordable housing issues? Check To find an opportunity that interests you go our
out the Housing Affordability and Equal Opportunity Volunteer Page. If you find a committee that you want
Committee. Learn more about community outreach to join, complete the online Volunteer Request form.
and collaboration. (Some committee have prerequisites.)
Your responses will be carefully considered to help us
find the right committee for you to share your passion
and talents while making sure everyone that wants to
volunteer to give back to the industry can!
The deadline for If you are a current Maryland REALTORS® committee
member and wish to remain on your current committee
responding to this for 2020–2021, you must complete the Volunteer
Call for Volunteers is Request form to indicate your continued interest in
volunteering. You will not be automatically reseated
FRIDAY, JULY 3 RD on any committee!When Does a REALTOR®
ct Use the Equal Opportunity Logo?
The Fair Housing Act itself does not require the use of Equal Opportunity logo or slogan,
“Equal Housing Opportunity,” in any ad. However, using the logo regularly is good evidence of
A
the company’s commitment to fair housing compliance. The Equal Housing Opportunity logo is
a picture of a small house with the words “Equal Housing Opportunity” directly beneath it. The
small house picture cannot be used without the words “Equal Housing Opportunity” beneath it,
but the words can be used without the small house pictured.
According to HUD guidelines, all advertising of residential real estate for sale or rent should contain an equal
g
housing opportunity logotype, statement, or slogan as a means of educating the home-seeking public that the
property is available to all persons, regardless of race, color, religion, sex, handicap, familial status, or national
origin. The choice of logotype, statement, or slogan will depend on the type of media used and, in space
n
advertising, on the size of the advertisement.
Get the Equal Opportunity Logo:
si
by searching "Equal Housing Logo" at www.hud.gov
u
Add the Equal Housing Opportunity
Statement to Your Business Plan:
o
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity
throughout the Nation. We encourage and support an affirmative advertising and marketing program in
H
which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial
status, or national origin.
Guidelines for Using the Equal Opportunity Logo (in all ads of four column inches
or larger) are available at: www.fairhousing.com
ir
Fair Housing Regulations Require the Display
of the HUD Fair Housing Poster at the Brokerage
a
Office and at Dwellings Under Construction
F
Get the HUD Fair Housing
Poster by visiting www.hud.gov
Previous versions obsolete—
information is current as of March 2020Protected Classes and Their Definitions*
( A P P LI C A BLE TO M A RY L A N D J U RISD I C TI O NS, M A RC H 2 0 2 0)
National Local/Counties
Color: Pertaining to a person’s skin color I N C L U D E S A L L F E D E R A L A N D S TAT E
P ROTEC TI O NS LISTED A BOV E P LUS:
Familial Status: Families in which one or more children under
18 lives with: a parent; a person who has legal custody of Age: Generally referring to adults 18 yrs & over.
the child or children; or the designee of the parent or legal Ancestry: Line of decent.
custodian, with the parent or custodian’s written permission.
Familial status protection also applies to pregnant women and Creed: A person’s beliefs; also, a summary of principals or
anyone securing legal custody of a child under 18. opinions to which someone professes or adheres.
National Origin: Refers to country of birth. Ethnic Origin: Cultural upbringing, including ceremonies
and traditions.
Physical or Mental Disability: In reference to you or
someone close to you who: has a physical or mental disability Family Responsibility: Refers to decisions based on an
(including hearing, mobility and visual impairments, chronic assumption of a person’s care giving responsibilities, either
alcoholism, chronic mental illness, AIDS, AIDS-related Complex childcare or care of another family member.
and mental retardation) that substantially limits one or more Lawful Income: See below, ‘Source of Income’.
major life activities; has a record of such a disability; or is
regarded as having such a disability. Occupation: The principal lawful activity of one’s life, generally
including students, welfare recipients and retired persons.
Race: Categories of physical characteristics and/or genetic
groupings of human populations. Personal Appearance: The outward appearance of any person,
irrespective of sex, with regard to hair style, facial hair, physical
Religion: Participation with one of the world’s structured characteristics or manner of dress. Such term shall not relate
religions; one’s spiritual beliefs; inference of religion by place to the requirement of cleanliness, uniforms or prescribed
of worship. attire when uniformly applied for admittance to a public
Sex (i.e., gender): Male or female. accommodation or to a class of employees for a customary or
reasonable business.
Maryland
Political Opinion: The opinion of persons relating to
government, the conduct of government, political parties,
candidates for election or elected office-holders.
I N CLU D ES A LL FED ER A L P ROTEC TI O NS
LISTED ABOVE PLUS: Presence of Children: Households that include the temporary
custody or permanent occupancy of persons under the age of
Marital Status: The state of being single, married, separated,
18 years.
divorced, or widowed.
Source of Income: Any lawful source of money that is paid to
Sexual Orientation: The identification of an individual as to
or for the benefit of a renter or buyer of housing and includes
male or female homosexuality, heterosexuality, or bisexuality.
grants, government assistance, alimony, child support, pensions,
Gender Identity: An individual’s having or being perceived as annuities, legal gifts, or investment earnings.
having a gender-related self-identity, self-image, appearance,
expression, or behavior whether or not those gender-
related characteristics differ from those associated with the
individual’s assigned sex at birth.
* For detailed legal references by County,
go to: www.mdrealtor.org/programs/
housing-programs/fair-housing.SO M ERSET
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* Use of a Guide Dog
Δ Citizenship
Maryland REALTORS® Promote Fair HousingHow Do You Recognize
ct Housing Discrimination?
Under the Fair Housing Act, It is Against the Law to:
A
● Refuse to rent to you or sell you housing
● Tell you housing is unavailable when in fact it is available
● Show you apartments or homes only in certain neighborhoods
● Set different terms, conditions, or privileges for sale or rental of a dwelling
g
● Provide different housing services or facilities
● Advertise housing to preferred groups of people only
n
● R efuse to provide you with information regarding mortgage loans, deny you a
mortgage loan, or impose different terms or conditions on a mortgage loan
i
● Deny you property insurance
s
● Conduct property appraisals in a discriminatory manner
u
● R efuse to make reasonable accommodations for persons with a disability if
the accommodation may be necessary to afford such person a reasonable and
equal opportunity to use and enjoy a dwelling
o
● Fail to design and construct housing in an accessible manner
● Harass, coerce, intimidate, or interfere with anyone exercising or assisting
H
someone else with his/her fair housing rights
Other resources include:
www.nationalfairhousing.org
r
www.fairhousingmd.org
i
www.mccr.maryland.gov
a
www.mdrealtor.org/programs/housing-programs/fair-housing
F
If You Believe Your Rights Have Been Violated...
Call the State of Maryland Commission on Civil Rights at 410.767.8600 or
visit www.mccr.maryland.gov/pages/intake to initiate an inquiry.
Previous versions obsolete—
information is current as of March 2020.Maryland REALTORS®
GRI Program
The GRI (Graduate, REALTOR® Institute) Designation is It’s never been a better time to sign up for GRI!
a National Association of REALTORS® (NAR) nationally See the Maryland REALTORS® course offerings below.
recognized designation which is administered through To register visit mdrealtor.org/education/programs/
state associations. The Maryland program consists of realtor-institute-GRI.
72 hours, broken into two 36-hour Series (i.e. Series
100 and 200). Series 100 and 200 can be taken in any LOOK WHAT YOU GET—
order and can be taken anywhere within Maryland
to suit your personal calendar. Series 100 & 200 are • Nationally recognized credibility
comprised of 6 6-hour modules. Each module may be • Professional speakers
taken independently.
• Continuing education credits
Class topics range from fair housing, agency, finance,
business development, ethical conduct and laws • Increased knowledge, skill and
affecting business practice and procedures to professionalism to better serve customers
strengthen your skills and your business for a well- and clients
rounded real estate foundation.
• Increased income potential
You have 5 years to complete the 72-hour program
• Sets you apart from the competition
(Series 100 and 200) to obtain the designation.
• Increased visibility toward your
Maryland REALTORS® offers the additional Series 300
& 400 for those interested in pursuing their broker’s or commitment to provide superior
associate broker’s license. Series 300 & 400 consist of professional services
4 days each. Completion of Series 100– 400 will meet • Educational credit toward Maryland’s
the education requirements to sit for the broker/
Broker or Associate Broker’s license
associate broker’s exam.
Earn your GRI – Work Smarter, Not Harder! NO Annual Dues!
SERIES 100 SERIES 200 SERIES 300 SERIES 400
Maryland REALTORS® Maryland REALTORS® Maryland REALTORS® Maryland REALTORS®
—Annapolis —Annapolis —Annapolis —Annapolis
800-638-6425 800-638-6425 800-638-6425 800-638-6425
June 9, 11, 16, 18, 23 & July 7, 9, 14, 16, 21 & October 6, 7, 13 & 14, May 12, 14, 19 & 21,
25, 2020 23, 2020 2020 2020
Cecil County Board Coastal Association November 10, 12, 17
410-398-4844 410-641-4409 & 19, 2020
August 28, September 9, September 14, 15, 21,
16, 23, 20, October 7, 22, 28 & 29, 2020
2020
To learn more, go to
mdrealtor.org/Education/
Programs/Realtor-Institute-GRI
REALTORS® REALTORS® or scan this QR code.FAIR HOUSING:
A REALTOR ’s Responsibility
®
“That neighborhood is in a great school district.” associations, real estate brokers, and housing agencies
to promote fair housing education, unconscious bias
“You’d love it—there’s a (specific place of worship)
training, consumer outreach, and possibly more
right down the street.”
widespread testing of Realtors. The idea is to not
“Hmm, I’m not sure you’d be comfortable in that area. only prevent fair housing violations, but to research
Let me show you some homes in another community I and mitigate the problematic systems that lead to
think you’d like.” discrimination.
Every agent wants to be the most comprehensive April is National Fair Housing Month, which began as
source of information for their clients, right? Of course an extension of the passage of the Fair Housing Act
they do; but seemingly innocuous statements like these of 1968. During this month, REALTOR® associations,
often violate fair housing laws. In November 2019, government and quasi-government organizations, and
Newsday published a story highlighting a three-year housing-related groups endeavor to spread the word
investigation of fair housing conduct by REALTORS® about the importance of fair housing and its impact on
in Long Island, New York. The widespread unfair communities. But we recognize that one month isn’t
treatment of minority homebuyers and predominately enough. It’s imperative that all real estate professionals
minority communities shocked many. Unfortunately, for develop best practices to avoid violations, and to hold
each person who was surprised, there was another who one another accountable for bad behavior. REALTORS®
admitted that they see this type of behavior in their own should familiarize themselves with the avenues available
markets, even here in Maryland. for reporting fair housing complaints, both for agents
In response to this investigation, the National and consumers.
Association of REALTORS® created a new Fair Housing The most prevalent category of fair housing violation
Action Plan, abbreviated ACT, which emphasizes in the Newsday investigation was steering. Steering,
(A)ccountability, (C)ulture Change, and (T)raining. as defined in the Fair Housing Act, is the process of
This initiative partners NAR with state and local influencing a buyer’s choice of communities based upon
20 MARYLAND REALTOR® APRIL / MAY 2020 www.mdrealtor.orgthe buyer’s race, color, religion, gender, disability, familial Fair housing is the legal and ethical responsibility of each
status, or national origin. Steering based on any of the and every REALTOR® and is essential in creating vibrant
characteristics defined under the Fair Housing Act is not communities and ensuring fair and equal housing
only unethical, it’s illegal because it limits the housing opportunities for consumers. For more information on
opportunities available to that buyer. It’s also important fair housing resources, visit Maryland REALTORS® at
to note that the state of Maryland and local jurisdictions mdrealtor.org or the Maryland Commission on Civil
have protected classes in addition to the seven listed Rights at mccr.maryland.gov.
above. Steering can include guiding a prospective buyer
toward or away from an area or neighborhood. To avoid
this damaging practice, keep these tips in mind when Laurie Benner, Director of Housing Programs,
working with buyers: Maryland REALTORS®
1. Ask about hobbies. This will often elicit
information that helps you determine
properties in neighborhoods that fit their
lifestyle without getting into questions
of religion, ethnicity, or other sensitive OOPS!
matters. For example, a fitness enthusiast Our apologies—last month we included an incorrect photo
might enjoy being close to a gym or for the Southern Maryland Association of REALTORS®’
walking/biking trails. installation. Here is SMAR’s new leadership team.
Congratulations again!
2. Direct them to the source of information.
Give them a link to local school districts,
police department, or the Census Bureau
for statistics or demographics.
3. Examine your advertising and marketing
materials. Avoid references to the presence
or absence of families, proximity to
places of worship, or other community
characteristics that indicate a certain
demographic.
4. Don’t assume. Unless the client gives
specific instructions, don’t direct them
to areas or housing types based on what
you think they need or want. Offer a variety
of choices.
5. Be honest. If a buyer asks questions that
are outside your scope as a real estate
professional, tell them that you are legally
prohibited from sharing that information and
direct them to where they might find it on
their own.
www.mdrealtor.org MARYLAND REALTOR® APRIL / MAY 2020 21T
he Maryland Mortgage Program is committed to The MMP team has also released a series of promotional
helping REALTORS across the state accomplish videos highlighting some happy homebuyers that have
their goals of making homeownership a reality for used MMP loans to purchase their homes. These
Marylanders. We offer a range of products, but a few are success stories show the importance of our program…
getting special raves from our REALTOR partners: for some, it’s the difference between renting and owning.
■ MD SmartBuy – a special initiative supported by The videos are a great tool to show people what MMP
Governor Hogan, MD SmartBuy rolls up to 15% of can offer. Feel free to repost!
the home purchase price into a forgivable loan for You can find the success story videos here:
the borrower to pay off their outstanding student youtube.com/playlist?list=PLX6FZ9r1tYNtwIj1Ap47B5_
debt (maximum payoff of $40,000). DKUjM8Q80x.
■ MMP 1st Time Advantage 3% DPA Loan – comes
with Down Payment Assistance equal to 3% of the For the past several months we have engaged in a
first mortgage while still maintaining a low interest conversation with you on social media. We know
rate on the first mortgage. that maintaining a social media presence is a
■ 1st Time Advantage Direct – No DPA, but offers critical marketing strategy for real estate
the lowest interest rate available with a MMP professionals and encourage you to leverage your
loan—often under 3% efforts with ours. Share our posts for the most
To learn more about how our program can help you sell effective social marketing!
more, visit: mmp.maryland.gov/Pages/Programs.aspx. Follow us at:
This year the Maryland Mortgage Program will be facebook.com/MarylandMMP/
continuing the Minor League Baseball campaign that
instagram.com/marylandMMP/
was a huge hit last year. You can look/listen for us at
every Minor League baseball stadium. Those who follow twitter.com/marylandmmp
us on social media, @MarylandMMP, will get an exclusive
chance to throw the first pitch at many of the Bowie
Baysox, Hagerstown Suns, and Southern Maryland Blue
Matt Heckles
Crabs games.
Assistant Secretary
Maryland Department of Housing and
Community Development
mmp.maryland.gov
singlefamilyhousing.dhcd@maryland.gov
1-800-756-0119
22 MARYLAND REALTOR® APRIL / MAY 2020 www.mdrealtor.orgYou can also read
