August 2015  
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A real home is more than just a roof over your head, it's a foundation under your feet.


  • President's Report by Dawn Henry
  • New Resources help with Changes to the Closing Process
  • Networking Night at Brunelle's Marina
  • July Single family sales report
  • MAR Legal Hotline
  • Alert: Wire Fraudsters
  • How to Improve the Odds of an Offer
  • RAPV 100th Anniversary - from the archives
  • What Millennials Want
  • Tools Calculate Your ROI
  • NAR Video: Loans through the Rural Housing Service
  • "As Is" Clauses and other Disclaimers
  • Membership Notices
  • Events and Education


by Dawn Henry

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100 Years as a REALTOR® Family

This year the Association is celebrating its 100th birthday.  What a monumental achievement and one in which we take great pride.
So, how did it all begin?  Our REALTOR® family set-up house in May of 1915 with just five members.  The original office was in the Hotel Worthy, Room C on Main Street in Springfield.  The building is still there today.  I take that as a sign, a positive tribute to the strength of the building and the strength of the REALTOR® organization.  We are both still here!

Through the years our family has grown and expanded in number and geographic reach.  Today we have over 1,600 REALTOR® and Affiliate members living and working in the 68 communities in the three counties which make up the Pioneer Valley.

Why was the association established?  This says it best, taken from our 1915 Constitution and Bylaws:  To establish and maintain the calling of the real estate broker in a position of dignity and responsibility in the community by insisting upon principles of honesty and fair dealing in their business of buying, and selling, renting, caring for and loaning on real estate.  To devise, advocate and support legislation for the welfare of real estate owners and those engaged in the business of buying and selling real estate, and to promote and maintain the high standards of conduct in the transaction of the real estate business expressed in the Code of Ethics of the National Association of REALTORS®.  

Why do you think the Association has survived for 100 years?  It is only through informed, committed and forward-thinking leadership.  We have built on the work of those who came before us.  We are here to provide members with programs and services so they can offer their best to their clients and customers to provide the American Dream of homeownership.  And yes, lots of sweat equity with good people doing good work.

What is the most important thing we do?  Those five members back in 1915 had it.  They knew.  To advocate for private property rights and help buyers and sellers achieve the American Dream of homeownership.  Those bedrock principles have not changed.

Come help us celebrate RAPV's birthday at a Gala Anniversary Banquet on November 5 at the Mass Mutual Center in Springfield.  Save the date.  Registration information will be coming soon.  Happy Birthday RAPV.


New Resources to help you prepare for the Truth in Lending RESPA rule

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In our continuing efforts to keep you abreast of the latest news on the implementation of the Truth in Lending RESPA Integrated Document (TRID) rule by the Consumer Financial Protection Bureau (CFPB), we are pleased to announce new resources to help you prepare for changes to the closing process.

After close collaboration with NAR, the CFPB has launched a new online toolkit for real estate professionals as part of its “Know Before You Owe” campaign. 

The new website is designed to help real estate professionals understand the changes to the closing process, that will go into effect on October 3, 2015, and how to explain the changes to clients.  The site also includes resources that you can provide to your clients.

Visit the new website.  

For additional information information visit CFBP releases new TRID tools



160 Attend Mid-Summer Networking Night at Brunelles Marina in South Hadley on August 13

Great weather, boat rides on the Connecticut River, picnic food galore and rockin' music.  It was a fun night of networking with friends and colleagues.

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July Single Family Sales Reports
  • July SF sales up 30.8 percent in Pioneer Valley
  • Median price up 3.8 percent to $207,250 
Visit the RAPV site to view:
  • Pioneer Valley SF and condo sales
  • Pioneer Valley sales by county
  • A five year history or Pioneer Valley sales
  • The western region
  • Other Associations and regions in the state

Visit the MAR site to view the statewide numbers:

  • Statewide SF sales up 19.5 percent
  • Media price up 1.4 percent to $365,000

Some information on the MAR site is password protected and accessible only to members of the Massachusetts Association of Realtors® (MAR).  Members will need their MAR login name and password.


MAR Legal Hotline
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Title 5 Inspection

Q. My seller has a home with a septic system that was inspected eighteen months ago and they would like to resell the property. Do they have to have it inspected again?

Q. Who must obtain a Title 5 inspection when a property is being sold and who receives the results?

Q. Is the seller required to allow buyers to test for radon in Massachusetts? 

Q. If a buyer backs out of a transaction because of elevated radon levels, is the listing agent required to disclose this to future prospective buyers? 

Read the answers here.


Alert: Wire Fraudsters on the upswing

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Last year we reported that a Pioneer Valley brokerage was hit by a wire scam which resulted in a substantial loss of money for the buyer.  

Here is how it works.  The hacker breaks into a REALTOR'S® email account and posing as the agent requests the buyer wire funds to a fraudulent email in order to complete the transaction.  Unfortunately, some buyers across the country have fallen for this scheme, and have lost money.

This scheme is on the upswing.  While we have not been informed of any additional "successful" cases here in the Pioneer Valley, we have been informed the fraudsters are out there.  One was intercepted recently before the wire transfer happened.  Loss of money was averted.

Visit 'Wire Fraudster" to learn about prevention and damage control.


  1. Place it right.
  2. Prepare for visitors. 
  3. Be flexible about showings.
  4. Anticipate the offers.
  5. Don't refuse to drop the price.

Read more here.  Download seller and buyer handouts.


RAPV - Celebrating 100 Years: 1915-2015

From the archives:
REALTOR® WEEK - MAY 24-30, 1964
Move up to more in '64
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Whether They Rent or Buy, Millennials Don't Want to Drive
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There are more Millennials than there are Boomers or GenXers.  NAR research tells us that Millennials are the lead buyer pool nationwide.  Learn what these 16- to 34 year olds want.  City planners and developers take note: Millennials want to walk. 
To learn more, visit Millennials.

Tool Helps Agents Calculate Return on Investment (RIO)
There is a free Return on Investment Calculator on® which provides an in-depth look at how ROI is calculated in the real estate industry.

Access calculator

View NARs News Video:

Rural home buyers have a great opportunity for safe, affordable mortgage financing through the Rural Housing Service, which has funds available until the end of September through its direct loan program. 

Here are the stories in The Voice for Real Estate, NAR's news video for the week of August 24.
  • Loans through Rural Housing Service
  • Community lenders getting back into commercial lending
  • Closing changes October 3


"As Is" Clauses and Other Disclaimers

Being sold "as is" may not protect the seller-client or the sellers' listing agent in certain situations.  "As is" clauses can be effective but do not provide absolute protection from claims of fraud states Robert S. Kurmer, Esq., MAR's outside legal counsel.  

Read what Attoney Kutner has to say.



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Heather Bennet, Denise Scales (Feeding Hills) Margaret Fitzpatrick (Northampton) Manfred Karori (Longmeadow) with Keller Williams Realty; Vinette Byfield, Laura Ronghi with Century 21 A-1 Nolan LLC in West Springfield; Susan Finnie, Lillian George, Susan Schmelkin, Joyce Pierangelo with Coldwell Banker Residential Brokerage in Longmeadow; Jamie Karwowski with Park Square Realty in West Springfield; Dylan Kelleher, James Parrott with Steepleview Realty in Adams; Michael Laviolette, Michelle Pastore (Wilbraham), Donald Rovero (Westfield) with Real Living Realty Professionals, LLC; Annamaria Maiorana, Brian Santaniello with Teamwork Realty Group in Longmeadow; Lindsay Mason with Ayre Real Estate in Agawam; Richard O'Rourke with DF White Real Estate Agency in Amherst; Emmanuel Pedro with Ideal Real Estate in Ludlow; Nicholas Riley with First Place Realty in Longmeadow; Stephen St. Peter with RE/MAX Compass in Westfield; and Justin Wickens with Landmark REALTORS® in Monson.

Maria Bertino with Century 21 A-1 Nolan in West Springfield; Erin Brunelle with Keller Williams Realty in Northampton; Maria Calderon with Century 21 Hometown Associates in Holyoke; Cheryl Dionisi with NRG Real Estate Services, Inc. in Longmeadow; Maria Dos Santos with Ideal Real Estate Services, Inc. in Chicopee; Nicole Flamand with Rovithis Realty, LLC in East Longmeadow; and Marta James with Harty & Rivera, LLC in West Springfield.

Oneida Fuentes with Mass Housing in Boston.

Brent Morin with Agnelli Real Estate, LLC in Glastonbury, CT.




Register for classes and events on the new member portal.

September 2
7:30-9:00 a.m.

Salute to RAPV's 100th Anniversary.  Affiliated Chambers of Commerce of Greater Springfield salutes RAPV at a breakfast meeting at the Springfield Sheraton.  Tickets for Chamber members $20 in advance, $25 at the door.  Non-Chamber members $30.  Contact Sarah Mazzaferro at 755-1313 or

September 3
8:00-9:15 a.m.

Legislative Breakfast.
  Meet area mayors and state legislators.  Summit View in Holyoke.  $15 pp.  Contact Gail at 785-1328 or

September 9
New Member Orientation and Code of Ethics.  Contact Gail at 785-1328 or Laura at 785-1328

September 9
11 a.m.-3 p.m. (CST)
Free REALTOR® Safety Webinar Summit.  Four different topics.  Register for one or all at

September 9 through October 8
Salesperson's Pre-Licensing Course
.  14 evening classes.  Contact Laura at 785-1328 or

September 16
11:15 a.m.-1:15 p.m.
CE class: Residential Rental/Landlord Tenant with Attorney Stanley Komack.  $25  member, $30 at the door.  Contact Laura at 785-1328 or  

September 17
5-7 pm.

"Appy Hour".  No Charge!  YPN Tech Session 
followed by a networking hour.  Presented by the YPN Committee.  Location: Union Station, 125A Pleasant Street, Northampton.  Contact Laura at 785-1328 or

September 21
CE Webinar: Buyer Agency with Jody O'Brien.  $15 member.  2 to 4 p.m.  Contact Laura at 785-1328 or

September 22
The Power Negotiator's Playbook.  
Powerful new negotiation course offered by the Council of Real Estate Brokerage Managers.  Place: RAPV, 8:30 a.m. to 5 p.m.   $125 member, $175 non-member.  Contact Laura at 785-1328,

September 28 through November 2
Broker Pre-Licensing Course
.  Only course offered this year.  14 evening classes.   Contact Laura at 785-1328 or

COMING SOON.  Save the date!

September 23 
RAPV Day at Foxwoods Casino!  Bus trip.  Limited seating.  Four pick-up locations across the Pioneer Valley starting at 7:30 a.m. Departs Foxwoods for return trip at 4:30 p.m.  Register early.  $39 pp.  Contact Gail at 75-1328 or

September 30 
3 CE classes in Hadley.  Contact Laura at 785-1328 or

October 7
8-11:30 a.m. 
The Unintended Consequences of Government Regulations on the Economy and the Real Estate Industry.  With economist Dr. Elliot Eisenberg.  Western New England Universary.  $22 pp.  Contact Laura at 785-1328 or   

November 5
RAPV Centennial Gala
, Mass Mutual Center.

Questions about education contact Laura Herring, 785-1328,

Questions about events contact Gail Lamirande at 785-1328,

Thank you

2015 Annual Sponsors

Monson Savings Bank
Peoples Bank
United Bank

 First Niagara Bank
Easthampton Savings Bank
Freedom Credit Union 
Greenfield Savings Bank
Greenfield Cooperative Bank
Polish National Bank

The annual sponsors make it possible
to keep ticket prices down for RAPV events.  Thank the sponsors when
you see them and take advantage
of the services they offer.

Health Insurance
for NAR Members

The Realtors® Insurance Marketplace provides multiple health insurance options to NAR members.

Find out about the Marketplace insurance products available to you.
Call 877-267-3752

Member Value Plus (MVP) Program
Every 2 weeks a new MVP offer will be posted on Complete an action, earn a reward.


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Two-day GRI 201 course: 
Tools of the Trade
October 15 and 20
8:00 a.m.-5:30 p.m. 
Location: Worcester Association of Realtors®  

rice is $250 ($125 per day).  
GRI designees can retake for $125.  

Register via phone at
1-800-725-6272 or online

For more information contact Peggy Duffy-Shea at 781-839-5513,  

To advertise in the REALTOR® UPDATE, contact Kimberly Harrison at 785-1328 or

Interesting facts and finds for REALTORS®.  It's all here!  Call 800-874-6500.

No Charge.
A Treasure Trove of Information
Click here for details.

Search 147 million properties.
Create top-quality client
reports customized with your branding.

"What is RPR?"  
Create your account today!
Free online training.



REALTORS® Political Action Committee

The purpose of RPAC is clear: Realtors® raise and spend money to elect candidates who understand and support Realtor® interests. The money to accomplish this comes from voluntary contributions made by Realtors®.  RPAC doesn’t buy votes.  RPAC supports industry-minded candidates.  These candidates support the issues that are important to your profession and livelihood.

Some information below is password protected.  Members will need their NAR login name and password.  


Craig's List Scam 
First brought to our attention over 5 years ago, this scam continues to surface.  Report scam to the FBI

For office and classroom rentals contact Laura Herring at or call 785-1328.  

For event and education sponsorship opportunities contact Kim Harrison at 785-1328 or

United Parcel Service - UPS
Prescription Drug Card
Free Forms
Staples Advantage
Realtor®  Healthcare Program
and more....


No Charge

September 10
9:30 - 11:30 a.m.
Moving Forward: Listing Management
12:30 -3:00 p.m.
CMA & Market Reporting

September 29
9:30 - 11:30
Getting Started: Searching the System
1:00-3:00 p.m.
Getting Started: Contact Management
and access Training & Resources or call 800-695-3000, option 1.

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The Legal Hotline offers Designated Realtors®, office managers, and other authorized callers access to staff attoneys who can assist members with questions about current state and federal laws and regulations, permissible business practices, and important court rulings affecting real estate practitioners.  

Call 800-3700 5342 or e-mail  Hours of operations are Monday-Friday from 9 a.m. to 1 p.m.

REALTORS® Pledge of
Performance and Service

Special rates for members!
Parking at Bradley Airport


$6.95 per day
(up to 24 hrs)

$34.75 per wk
(plus 8% airport access fee, 6.35% tax and fuel surcharge)


Offer from Executive Valet
Rates, and free day, available when you present the RAPV Special Executive Valet parking card available at RAPV.  Pick up your card at RAPV, or call 785-1328 to have it mailed to you.

Views and advertising are not necessarily endorsed by RAPV.  The information contained within should not be constituted as a recommendation for any course of action regarding financial, legal, accounting, business practice, or any other matter, by RAPV or its authors.  Links are provided as a convenience. RAPV has not reviewed all the information on other sites and disclaims any responsibility for the content, products or services that may be offered. Inclusion of a link to another site does not indicate any endorsement or approval of the site or its content.

2015 Officers
Dawn M. Henry, President
Lou Mayo, President-Elect
Rick Sawicki, Treasurer
Janise Fitzpatrick, Secretary
Patrick Nolan, Immediate Past-President

2015 Directors
Elias Acuna
Edward Alford
Kelly Bowman
Shawn Bowman
Suzi Buzzee
Sue Drumm
Sue Rheaume
Russell Sabadosa

Realtor® of the Year
Sue Drumm

Affiliate of the Year
Lisa Kraus

RAPV members on the MAR Board of Directors:

Raymond Authier
Elias Acuna
Kelly Bowman (alternate)
Luci Giguere
Dawn Henry
Lou Mayo
Susan Rheaume (alternate)
Linda Rotti
Susan Renfrew
Rick Sawicki (alternate)
Vincent Walsh (alternate)

An alternate is called to attend a MAR BOD meeting when a Director can't make it.

Additional RAPV representation on MAR BOD: Kevin Sears, and Edmund G. "Gil' Woods, as Past MAR Presidents, Corinne Fitzgerald as MAR President for 2015, and Brian P. Sears as MAR Western Region Vice President. 

Ben Scranton, RCE, ePRO, Chief Executive Officer
Kim Harrison, Community Outreach Coordinator
Laura Herring, Education Coordinator
Gail Lamirande, Membership Coordinator and Professional Standards Administrator
Joanne Leblond, Receptionist
Erin Percoski, Bookkeeper

Copyright 2000-2007 REALTOR Association of Pioneer Valley. All rights reserved.
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