Issuu

Articles In This Issue Page 1: Pat Farrell Page 7: The Way I See It Featuring: Cathey Meyer

Page 15: NARPM Column Featuring: Brenda Davila

Page 17: Associate Spotlight Featuring: SWBC Page 22: Associate Spotlight Featuring: Allstate Ins. Page 23: Newsflash

Vol.VI, No.11

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November 2020

You May Use An Expression But Do You Know Its Origin? By: Pat Farrell

PRSRT STD U.S. Postage PAID San Antonio, Texas Permit #1416

Have you ever said something and then wondered “where did I get that from?” Well it is no wonder with the number of idiomatic expressions that have been added to the English language over the years. For example, if you call someone a Fink because they didn’t agree with you, might you not wonder where the word “fink” comes from? According to Merriam-Webster, fink is derived from the German language and dates back to around 1894, generally referring to a contemptible person, or for those using German University slang, one who did not belong to the student association. However, there is some evidence it could have come from “mistfink” that referred to a dirty or untidy person, a word used as far back as the end of the 15th century. And then of course is the verb form when one someone “finks out on you!” and does not do as they promised. Though it may be difficult to understand in this day and age, a time when dogs

are looked upon as “man’s best friend,” that the phrase “sick as a dog” comes from a period in Europe, back as far as the early 1700s when dogs were looked upon as something to be avoided and if found to be sick, left outside to die with no attempt to save them. You have no doubt heard the expression “dirty dog” and that was also appropriate for the time. It was known that animals could easily spread the plague and that included dogs, so they were looked upon as not only expendable but also something to be feared like rats. And, don’t forget that after a long day you can be “dog-tired” or if things did not go well feel like “everything has gone to the dogs.” And, how often have you heard someone described as being “as drunk as a skunk?” Why a skunk – is it because it rhymes with drunk? Understandably, a skunk is not the most appealing animal on the planet, and it does have some very nasty habits when it feels threatened, but what about the fact that skunks have no use for alcohol? Well, skunks can take heart since for more than 600 years those who consume too much alcohol have been described as drunk as … something, usually some animate (or inanimate) thing. This originated with “drunk as a mouse” referred to in the first of Chaucer’s Canterbury Tales “ “The Knight’s Tale” in 1385 and then later in “The Wife of Bath’s Tale,” when translated to today’s English, “If I go for amusement to his house, / You come home as drunken as a mouse.” Ever heard “let’s blow this pop stand” or its many variations like popsicle stand? In some parts of the U.S. “way back when” a soda shop was called a pop stand and the young folks would gather there like they do today at the malls. There is speculation that all like expressions may have started with “let’s blow this joint” and the variations, popcorn stand, firetrap, etc., followed. It all just amounts to let us leave this place that has now

become dull or of no use or interest to us anymore and go in search of something better. How about the phrase, “You better get on the stick?” All agree that this refers to get busy, quit waiting around and take control to get the job done, but where the ideas diverge is what it might have been about in the past. The expression dates from the early 1900s and comes from the idea of getting a car going by using the gearshift, or stick, according to The American Heritage Dictionary of Idioms. Or it could refer to early 20th century aviation, airplane controls consisting of only a rudder and stick. To “get on the stick” was to take control of a given situation, problem or circumstance. However, “get on the stick” could also be a derivative of the much older phrase “to cut one’s stick,” meaning “to leave,” which appeared in print in the early 19th century and had probably been in colloquial use long before then. The “stick” in the phrase is a walking stick, commonly used on long journeys by foot in those days, and finding, cutting and smoothing a suitable stick in preparation for such a trip was as sure a sign the person was truly leaving just as packing a carry-on bag would be today. Thus, to say, “get your stick and get on it,” or just “get on the stick,” would have been a way to say, “get going.” It also would have carried exactly the same “get up and get moving” sense in figurative use (“Get on the stick and get that job done”) that the phrase does today, which the “joystick” and “gearshift” explanations don’t really convey. By 1950, a definition has emerged from The Annals of the American Academy of Political and Social Science: Volume 269 (1950) “To get on the stick: To work at the crap table, either as dealer or stick-man.” Then there is “up the creek without a paddle” which means one is in deep trouble or at times that could be said as “up shit creek without a paddle.” I considered not including

that last part until I learned that there is indeed a Shit Creek, (not Schitt Creek, the recent television series), but one located in Plymouth, England. During the 18th Century Shit Creek (later called Stonehouse Creek) got its name because of the foul-smelling mud that lined its banks. Today, on the maps the area is known as Stonehouse Lake but called “Tinkies” by the locals. The creek led up to the Royal Naval Hospital, a medical facility for naval officers that was built between 1758 and 1765 and housed 1,200 patients in sixty wards, with its ten ward blocks arranged around a courtyard which had a central block that contained a chapel, dispensary and provided housing for the staff. During those times, a hospital stay was pretty dicey at best but a journey to that particular hospital was considered to be a one-way trip. To be “Up Shit Creek without a paddle,” therefore, meant the person was in a bad way and was slowly or rapidly getting worse with no evident way out. Even if your boat had a paddle, you still, typically, had a long, slow recovery. By 1897, Queen Victoria had reigned over England for 60 years and in celebration much of the creek had been filled in to make playing fields, and the area was thus named Victoria Park. But, the area was also known as Deadlake, a name which can be found on early maps of the lake, and gradually, the lower reaches of the lake were also filled thus enlarging the area to afford a larger recreation center. Today Victoria Park is home to the Stonehouse Creek Social Club and Devonport High School Old Boys RFC. The club has been open since 2002, and also hosts the Stonehouse Sharks Junior Rugby Club. As for the hospital, it closed in 1995 and is now a gated residential community called, “Millfields.” One can assume that the folks there today are no longer “up the creek without a paddle.”

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November 2020

Signs Of The Times

REAL ESTATE NEWSLINE A PUBLICATION OF JDC3 ENTERPRISE HOLDINGS LLC

Managing Editor...........Courtney Smith Contributing Writers:......Cathey Meyer ..................................................Pat Farrell Columnists.....................Rebecca Byers ...........................................Brenda Davila Business Development .......Joyce Orts Area Sales Director..........Rose Stewart .............................................210.386.6544

(210) 508-0888 Real Estate Newssline is not responsible for the opinions or facts expressed by non-staff writers or for errors and any byproducts in advertising or editorial copy. REALTOR® is a registered trademark. The word REALTOR® sometimes appears in this paper without the registered trademark symbol (®), for the purpose of saving space. Wherever the word REALTOR appears in this space, the registered trademark should be assumed.

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November 2020

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Cheers and Beers with TREPAC SABOR is kicking off the 2 0 2 1 T R E PA C f i s c a l y e a r w i t h an exciting event, Cheers and B e e r s w i t h T R E PA C ! T h i s f u n filled virtual event on November 10th will be a great time and the perfect way to k i c k o f f a n e w T R E PA C y e a r. At this event SABOR m e m b e r s w i l l b e t a k e n o n a v i rtual tour of Ranger Creek Brewing and Distilling, an award-winning brewstillery specializing in handcrafted b e e r a n d w h i s k e y. T h e b r e w masters of Ranger Creek will also teach attendees the beer

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Selina Medina and Michelle Lebherz, both Independence Title at a recent Lunch & Learn with Directions Home Loan.

making process. Those who register for this event will also be provided with four Ranger Creek beers for a flight tasting and receive an exclusive swag bag! Don’t miss your opportunity to discover what Ranger Creek Brewing and Distilling has to offer while supporting T R E PA C . T i c k e t s a r e $ 3 0 , please make sure to RSVP by November 6th. To l e a r n m o r e a b o u t t h i s T R E PA C e v e n t , p l e a s e v i s i t m e m b e r. s a b o r. c o m o r c o n t a c t L a u r e n g @ s a b o r. c o m . Rick Gutierrez, eXp Realty and Corir Dilley, Home Team of America.

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November 2020

Dana Taylor, Independence Title and Bertha Wicker, ERA Colonial Real Estate are excited for the PT50 Awards at the Omni Colonnade.

John Kuntz III, Local Realty and Greg Crane, Chicago Title having fun at the RE/MAX Preferred Fall Inspired Event.

Annette Slater, Landlord Property Management and Virgina Ulrich, Triangle Realty.

Darlene Thomas and Venus Marshall, both Keller Williams City View

Anita McKinney, Olivia Townsend Realty and Thelma Williams, eXp Realty

Molly Harvey, ERA Colonial Real Estate, Lara Thompson, Independence Title and Arlene Chalkley, ERA Colonial Real Estate catch up at the PT50 Awards.

Marvin Baker, KB Home and Harry Jean-Baptiste, Guti Realty.

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November 2020

Movement Mortgage Employee Appreciation

2 Be sure to see and download more pictures from this event and others online:

1. Fabian Cantu, Domingo Bravo, Jesse Moore and Sara Baraz, all Movement Mortgage.

4. Janna Valencia and Brad Dawson, both Movement Mortgage.

2. James Boggs, Marisa Maldondo and Mark Martinez, all Movement Mortgage.

5. Frank Paredez and Christian Ruiz, both Movement Mortgage.

3. Christian Ruiz, Megan Whitmore and David Gardner, all Movement Mortgage.

6. Crystal Villanueva and Robert Villanueva, both Movement Mortgage.

November 2020

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THE WAY I SEE IT By: Cathey Meyer

Giving Thanks for Patients Just one short/long year ago, I entertained 60 folks to celebrate the entrance to my sixth decade. Those were the days of people crowding in a small space, sharing plates of food from a buffet, eating a piece of cake after I blew out the candles, and hugging and kissing like there was no tomorrow. Ironically, six months later, there was no tomorrow. At the time, I was thrilled to inch that much closer to my Social Security check and that excellent Medicare health coverage. Not that the extra $160 per month would put a dent in my shopping habits or I needed extra insurance coverage, but you cannot stop the aging train, so enjoy the ride. Those were the days, before the trusty doctors of yore begin sending retirees on a referral scavenger hunt to cure what ails them. Now I am ‘one of them’ on an endless scheduling of doctor visits for things only old age can conjure up. My aging Olympics began with an unplanned appendix removal way back in 2018. Little did I under-

stand the consequential follow-up of post-appendix removal. I now have a reoccurring dermatologist visit, a new internist to synthesize the insides and an esophagus doc to monitor my lack of digestion. Of course, all of this comes with a significant weight-gain. My family genetics does not permit weight loss with health issues. Why should you continue to delve into the escapades of elderly post-body part removal and post body reaction to missing that part? It is not so much the ailments as it is how we now ‘visit’ our medical providers. At some point in the new world of technology, I incorrectly assumed that my office visits would be simplified to the touch of an index imprint. I would enter an office touch some contraption that would release any personal information known to the internets to any medical folk that cared about my tedious body history. After all, the cell phone company seems to have more information on me than the social

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security office. My bank seems to know every address I ever occupied since 1963. How hard is it for doctors to pilfer information? With each new doc, I now must create a portal account. At first, I thought that was some kind of cruise ship scam, but I soon learned it involves cruising of another kind—the technology cruise. Each new doc requires a new login AND a new password. They get so particular, you cannot reuse old passwords from who knows where they originated. How can they track my passwords, but not my health history! What is most infuriating is that for each doc visit, I am required to update my health history and medications. Why am I doing their work? Each doc wants a new prescription ordered and then wants to know what else I am ingesting that may interfere with their choice of drugs. What I need is a memory pill to embed login and password information for office visits that only occur twice a year. My solution was to print the forms, handwrite the information, make my own copy, and bring the old fashion communication with me to the appointments. I can track paper and I can remember where I file something without a login or password. At first, the office staff thought it was sweet I walked in my medical history in place of interneting it. Now I hear that heavy sigh as I approach the glass window as they know I have done my homework, but just not as they requested.

Sometimes, I get so frustrated listing temporary drugs, I just leave some spaces blank and force a conversation about my pill popping habits. It is easier to bring in the medication than to translate the myopic print on the tiny, child-proof bottles. To my credit, I have attempted to call a doctor office or two but navigating through the ‘some options have changed’ message is almost as frustrating as remembering a password. By the time I can speak with an actual human, I have to leave a message for a call back with the notation that messages are not checked until after 4 PM and I may not receive a call until the following day. Of course, when they call, I am not available, and we return to the voicemail game. I do receive regular robocalls to remind me I have a pending appointment and if I am tardy, I will receive a fine or if I am a no show, I will be billed whether I am there or not. In this season of thankfulness, when we have almost survived a thankless year, I am grateful for better than average health and the resources to treat what ails me. I just wish my medical records could be as open as my phone and banking records are to anyone with a need to be in my personal business. I guess I am not a patient patient. Might be a New Year’s resolution? May this season of gratefulness bring me a renewed spirit to adapt to change and learn to process with the times.

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November 2020

GRI January 2020

2020 GRI Society Board: Howard Flournoy, Keller Williams Portfolio; Renae Pretty, JP & Associates; Adona Lowery, Landlord Property Management; Sara Trautner, Becker Properties; Brad Smilgin, Smilgin Real Estate Services; Valerie Alexander, Keller Williams Realty and Susan Bylicki, BHGRE Home City; Valerie Alexander, Keller Williams Realty

Paula Grigsby and Crystal Rodriguez, both TAP FCU

Adona Lowery, Landlord Property Management and Brad Smilgin, Smilgin Real Estate Services

Annette Slater, Landlord Property Management and Chip Brown, Key Realty

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November 2020

SABOR Installation

Kim Bragman, giving remarks

2020

Chairman

Hoppie Cantwell, Home Locators & Management and Bob Jacobs, RE/MAX Associates.

2020 Board members Monique Bordelon and Katie Griffin Ross with spouses

Leona Flores, winner of the 2019 Rookie of the Year award

Some of our 2020 Board of Directors

Gilbert S. Gonzalez, SABOR CEO, with Regina Tubré, CEO for the Four Rivers Association of REALTORS®

Amy Lopez, Grant Lopez (2019 Chairman), Marquis Williams (Board member) and Brian Phelt (2019 Property Management Specialist of the Year winner)

Sara Briseño Gerrish, RE/MAX Unlimited, Caroline Salcedo, Apartment & Relocation, Lorena Pena, RE/MAX Associates and Rachel Briseño Bruno, RE/MAX Unlimited,.

Patsy Oakley, winner of the 2019 REALTOR® Salesperson of the Year award

2020 Chairman Kim Bragman with 2020 Chair-Elect Cher Miculka

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November 2020

Weege Henderson, Home Team of America, Annette Slater, Secretary, Adona Lowery, Landlord Property Management and Mary Corcoran, Government Affairs Director at the VAREP hoilday dinner in 2019.

Karen Myrick, BHHS Don Johnson and Malea Breaux, Perry Homes are having fun at the Perry Homesâ€™ Agent Social at the Grove at Vintage Oaks.

Sheryl Sepulveda, Janeene Edwards and Steven Gragg, all Keller Williams Legacy are all smiles at the annual PT50 Awards.

April Raynor, Mortgage professional, Roderick Ringstaff and Susie Ringstaff, both JB Properties

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November 2020

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Mary Jo Schaffer, eXp Realty, Robert Rocha, BHHS Don Johnson and Darlene Thomas, Keller Williams City View.

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November 2020

SABOR members prepare dinners for the residence at SAMMinistries. We appreciate their hard work during these trying trime.

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NARPM By: Brenda Davila SAMAC, NARPM Secretary

The Eviction Moratorium Is Still In Full Effect As we near the whirlwind end of 2020, be proud to know that San Antonio Metropolitan Area Chapter (SAMAC), NARPM has been hard at work on a spectrum of issues and most importantly and currently in relation to the eviction moratorium. SAMAC has been staying up to date with local and national leaders, by listening, having conversations, attending meetings, calls to actions, and devising strategies to have our voices heard. SAMAC has shown strength in numbers by offering support and involvement. NARPM as a whole has been a huge contributor in advocating for landlords, property managers, REALTORS®, and tenants. If you have not heard or still a little confused about it, do not fret as I am sure you are not the only one. The information

has come from all over and as far as Washington D.C (Federal), the CDC (centers for disease control & prevention), our Governor (State), Bexar County (County) and in between such as SABOR, SAAA, SAMAC and other organizations (Local). Although it seems overwhelming, SAMAC has been an extreme asset in navigating through this unprecedented time. Our governmental affairs department led by Lacy Hendricks and with the help of Matthew Gurniak and Marty Hutchison has been able to gain knowledge of the situation and policies to form a helpful and fair strategy for all involved. Since on or about March 19th, we have heard of or had to deal with a version or an extension of the eviction moratorium. Currently, the new eviction moratorium began on September

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4th and will end on December 31, 2020. This action by the CDC guidelines calls for halting of an eviction (due to nonpayment of rent) until December 31, 2020. Some might ask, why did this order involve the CDC? The answer is, the moratorium was to help eliminate the further spread of covid-19 that would result from people having to move during the pandemic due to evictions that were brought on by loss of income or medical illnesses or other reasons. The order was also to give temporary financial relief to tenants who were now unable to pay rent and facing evictions. However, come January 1, 2021 all tenants with a balance will have to pay in full or may face the eviction process. Some may also ask; how does this affect me? I’m a REALTOR® but not a property manager. If you are not a property manager, this information is still important to all REALTORS®. According to National Association of REALTORS’® Megan Booth, Director of Federal Housing & Commercial Policy, 25% -35% of REALTORS® own and or manage their own rentals. About 46% of all rentals are owned by private individuals and 37% by LLC’s and not big corporations. We should all be concerned

with the type of results we will be facing if tenants are still unable to pay rent or cannot get caught up. As of September, landlords and property managers have been able to charge late fees, penalties, and interest. Imagine the financial impact and the chaos at eviction court this will cause? Make sure to stay abreast of the valuable information on how to handle a tenant that has not paid, made any attempt to pay or has made a declaration. Also be aware of the hefty fines for property managers and landlords if they do not comply with the CDC guidelines or your state or county policies. There is so much information and unfortunately I cannot go over every detail, but I hope the tidbit I shared is helpful. For more information I suggest joining an organization that advocates and gets involved with governmental issues such as SAMAC and or to read more on the cause from your industry publications. Do not hesitate to reach out to one of our members for more information on this issue or on how to join our organization. You may also visit: http://www.sanarpm.wildapricot.org/ for membership information

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Keller Williams Legacy Lifetime Real Estate Srv. JP & Associates RE/MAX Corridor RE/MAX North-San Antonio Phyllis Browning Company Home Team of America Realty Executives of S.A. Century 21 Northside Century 21 Northside Phyllis Browning Company Home Team of America Swasey Sells San Antonio R/E Coldwell Banker D’Ann Harper A&G Property Services Sterling Group Real Estate Coldwell Banker D’Ann Harper Old Republic Title Old Republic Ttitle Coldwell Banker D’Ann Harper Home Team of America Coldwell Banker Stagecoach RE Coldwell Banker D’Ann Harper Coldwell Banker D’Ann Harper Texas Premier Realty Keller Williams City View Phyllis Browning Company Home Team of America Belmares Properties Realty Executives of S.A. Keller Williams Heritage Realty Executives of S.A. Century 21 Northside Caballero & Associates Rock House Real Estate Capital Title Realty Executives of S.A. eXp Realty Keller Williams City View StepStone Realty Home Team of America RE/MAX Prime

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Molly Harvey ERA Colonial Real Estate David Geramita RE/MAX Preferred B.K. Buske B. K. Buske Lydia Lozada Texas Premier Realty Carlos Fernandez Coldwell Banker D’Ann Harper Joe Reyes Coldwell Banker D’Ann Harper Russell Deiley Laughy Hilger Group Pam Slocum Beth Harmier Properties JB Goodwin JB Goodwin Realtors Jennifer Hard Keller Williams Legacy Richard Guerrero Coldwell Banker D’Ann Harper Gail Couser Independence Title Brent Knapp Keller Williams Legacy Carlos Perez 1st Brokerage Al Cannistra Texas Premier Realty Penny Anders BHHS Don Johnson Realtors Norma Jean Denman Old Republic Title Felix Elorriaga Premier Realty Group Russell Hild Mission Real Estate Group Bill Graves San Antonio Portfolio KW RE Paul Davalos Davalos & Associates Robert Wood RE Consultants Carolyn Sparks Carolyn Sparks Real Estate Geri Barrows BHHS PenFed Realty Tammy Greenbauer Full Spectrum Realty Tiffany Wright eXp Realty Kathy Vogel Coldwell Banker D’Ann Harper Monica Vasquez eXp Realty Joraine Miller JB Goodwin Realtors Kuper Sotheby's International Realty Debra Maltz Tyler Herman Home Team of America Frank Ruffo The Real Estate Group Pete Peters Coldwell Banker D’Ann Harper Cyndi Luna eXp Realty Gilbert Rodriguez BHHS Penfed Realty Herlinda Hernandez Rigel Realty Charlene Gubernator RE/MAX Associates Ara Fesperman M. Stagers Realty Partners Lee Jones Keller Williams City View Gil Aldaco Premier Realty Group Margie Morcher The Homeland Group of Texas Cheryl Moore Old Republic Title Faye Scoller The Scoller Group

Follow Us @renewsline Oscar Vaca Victoria Subia Frank Dunn 24-Dec Gwen Derry Gerri Johnson Lisa Martinez Sonia Flores Terri Saari Mike Klein 25-Dec Holly Mahler Matthew Smith, III J.J. Rodriguez Jeff Frye Sol Hooda John Alaniva 26-Dec Chris Schofield Polly McKinley Troy Hoessly Becky Rabel 27-Dec Thomas Fentress TeAnglia Moore Pamela Montano 28-Dec Randy Pereira Catherine Rosales Bob Mabry 29-Dec Krista Boazman Marilu Salazar Sherry Keeble Kate Griffin-Ross Eddie Martin 30-Dec Randy Elgin Michael Carmona Clifton Jansky Shannon Miller Vivienne Porter Jessica Uralde Randal McLeaird Nereyda Vicente 31-Dec Kurt Jaeckle Lynn Knapik Dan Lopez Jaylove Malapo

Home Team of America Champions School of Real Estate Keller Williams Legacy Old Republic Title Avenue Realty Coldwell Banker D’Ann Harper Kimberly Howell Properties Kristalli Real Estate Michael Klein Realtors Coldwell Banker D’Ann Harper Alamo Top Realty J.J. Rodriguez Real Estate Coldwell Banker D’Ann Harper Linary Commercial Group Kimberly Howell Properties Vortex Realty Coldwell Banker D’Ann Harper Home Team of America RE/MAX Associates RE/MAX Preferred Reliance Residential Realty RE/MAX Associates T2M Real Estate IH-10 Realty ERA Colonial Real Estate Phyllis Browning Company Old Republic Title Exit Realty New Braunfels RE/MAX Associates Mission SA Property Mgt. Keller Williams City View Tierra Realty Coldwell Banker D’Ann Harper Trinidad Realty Partners Coldwell Banker D’Ann Harper Redfin Corp. RAM Group JP & Associates Coldwell Banker D’Ann Harper Lynn Knapik Real Estate Integrity Realty Century 21 Northside

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On April 1, 1976 childhood friends and later fellow entrepreneurs, Gary Dudley and Charlie Amato pooled their resources amounting to a $1500 investment and formed the Central Financial Insurance Services (CFIS) in Dallas, Texas. The company was established on the principles of providing excellent customer service and putting clients and their needs first—without ever compromising service. Today, the company is an international financial services company, providing products and services to help businesses, families, and financial institutions meet some of their most critical goals. It was during the 1980s that SWBC Mortgage was formed and currently services the San Antonio and Hill country areas from five branches, all of which have their own resources to oversee and

November 2020

control the processing, underwriting and closing of their own loans. For more than 25 years now SWBC Mortgage has been recognized as the top independently owned mortgage banker in San Antonio which they attribute to a stable high level leadership and their seasoned loan officer staff with an average of 15 years of industry experience among them. The company is enjoying a spectacular year having, to date, funded more than $400 million in local loans. SWBC Mortgage’s President and CEO, Susan Stewart, is highly regarded amongst her peers. She is a Past President of the Texas Mortgage Bankers Association and is now the Chairman of the National Mortgage Bankers Association. Among the seasoned Loan officer staff are Irene Morgan, John Cortissoz,

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Rob Flores and Leslie Barnett. Irene, with more than 25 years of industry experience, is producing manager of the Brookhollow Branch. John, as producing manager of the San Pedro Branch promises that from breaking ground to the final walk through, he will be with his client every step of the way. He has been recognized as being in the top 1% of originators in America for the past seven years. Producing manager, Rob of the Blanco at West Avenue Branch, works hard so his clients actually enjoy the mortgage process and end up feeling that they proved themselves to have been pretty savvy buyers. And, in the Hill Country, producing manager of that branch, Leslie, was named Five Star Mortgage Professional by Texas Monthly in 2015 and was recognized by the Kerrville Daily Times as Best Mortgage Lender in 2018. As REALTORS® you know that your clients often experience setbacks associated with trying to get their loans processed in a timely fashion, so it is important to use the right lender. At SWBC Mortgage their number one goal is to provide exceptional service to clients, closing loans, not just on time but early with no surprises, to avoid last minute or late closings. Having local branches with attentive Loan Officers ensures that your borrowers can always have a personal connection with their lender who also lives in that community. SWBC Mortgage utilizes innovative technology to ensure smooth loan processing and closing and offers a wide range of

loan products to take care of any of your client’s needs. SWBC Mortgage is an active member of both SABOR and GSABA and frequently provides presentations to make the members at both venues aware of the products and services available to them and their clients. They are also very active within the communities they serve and financially support just about all of the local, state and national charities and non-profits. SWBC Mortgage VP and VA Liaison, Tamara Tapman, instructor extraordinaire, is quite visible in the community and very involved with educating members of the real estate industry in Texas as to the VA products available and the Vas requirements. Additionally, SWBC Mortgage offers mortgage services in support of the members of local, state and national credit unions. A strong company with more than 30 years of sustained growth, SWBC Mortgage has an inviting and energetic corporate culture and consistently has a wide variety of exciting opportunities. They value their employees and have a clear understanding that without them, they would not be where they are today. With top-quality benefits and competitive pay, the company is able to attract and retain top talent to help achieve their goals. The SWBC Mortgage website at www.swbc.com has a wealth of information about the types of loan products they offer, how to find a pro to help with the loan process and the type of employment opportunities and benefits that are available. Check it out!

SABORâ€ˆKeeping Posted

November 2020

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SABOR Keeping Posted

SABORâ€ˆKeeping Posted

November 2020

www.realestatenewsline.com

November 2020

SABORâ€ˆKeeping Posted

Real Estate Newsline

REALTORS®, are you looking for a well-established insurance company to recommend to your clients? Well, you need look no further than the Allstate Insurance Company whose history began back in the fall of 1930 when General Robert E. Wood, Sears, Roebuck & Co. President and Board Chairman, got the idea to start an auto insurance company and sell insurance by mail. It was the beginning of something big as the Allstate Corporation is now the nation’s largest publicly held personal lines insurer providing insurance products to approximately 16 million households. Over time, Allstate has grown quite a bit from its humble beginnings and is currently headquartered in Northbrook, Illinois. The company’s bestin-class products and services offer both insurance protection and retirement solutions for households across the United States and now also include products and

November 2020

services in Ireland, the United Kingdom, Canada, and India. Overall, Allstate Insurance Company is continually innovating – this is done primarily for the good of the company’s customers, whether that means helping them to protect their loved ones, or to simply save a little money. Allstate is one of the nation’s leading insurers in urban areas and has supported auto and highway safety reforms, including seat belts, air bags, and teen driver education. When it comes to insurance, it is important to pick the right company as well as the right local agent who knows the community. As your local Allstate Agent, Jay Franklin is there to assess your needs, explain the different coverage options, and identify any gaps that may leave you vulnerable. It is also important to find an agent that shares your values and cares about your family’s financial security. Jay grew up in Michigan, learning

Follow Us @renewsline Midwest values of always doing the right thing for people. His Journey to Texas brought him through Indiana, Florida, with his last stop five years ago here in San Antonio. Most of Jay’s career was spent in the Building Supply business, as he spent his last 15 years with the Pella Window Corporation as Regional Sales Manager. Jay traveled the western US helping distributors sell Pella products to professional home builders. Jay raised 4 children in Florida and his oldest daughter works with him every day in the insurance office. The oldest son sadly passed away in Tennessee a year ago, but he left a small son that now also lives in San Antonio with his mother. Besides those two children, one son attends college in Tennessee, and another is a student at Steele High School. Jay’s wife, Gigi, is a graduate of Churchill and Trinity University, and in addition to being licensed to sell insurance, Gigi has been the school nurse at Reagan High School since they opened. The office of Franklin Insurance Group opened on the corner of Stone Oak and Huebner in 2019. Allstate has been a perfect fit for Jay Franklin and his team. Allstate provides all new agents with great training prior to starting with the company and their ongoing training has been invaluable to keep them current as they continue to work on helping their customers protect themselves. Jay’s staff of five licensed agents remains focused on providing exceptional customer service and on being readily

accessible to all their customers. It is important to them to remain engaged well after the policy sale to be aware of any changes that might affect their customer’s lives. During the pandemic, Allstate was one of the first insurance companies to refund premium dollars to help people that were affected by the changing economy. Allstate also provided special payment plans for those that had trouble making payments throughout the year. As an office, their agents called all of their customers to make sure they were safe and that they were made aware of their options for deferring payments. Some of their best successes have come with new home buyers as they have been able to bind policies within minutes of quoting a price, so when closing dates change, or mortgage information changes, they have been able to make the necessary changes immediately to keep closings on schedule. Bundling Home and Auto policies also can help save customers a ton of money on insurance costs. They can also provide Flood insurance, landlord Policies, Builders Risk, Personal Umbrella, Business Insurance, and Life Insurance policies. Jay is proud of the insurance business he has built and of the opportunity to get to know all of their Franklin Insurance Group customers, as helping them make the right decisions about their insurance needs is what helps Jay and his group get up in the morning and do the best job they can because it’s not just a job for them, it’s their calling!

www.realestatenewsline.com

November 2020

Real Estate Newsline

Attention all TREC License Holders:

Stock the Fridge Contest!

Beginning February 1, 2021 sales agents and brokers will be required to complete at least three hours in Contract-related coursework as part of the 18 hours of continuing education (CE) required to renew a license! Therefore, if you plan to renew your license on or after Feb. 1st, you can start taking

Movement Mor tgage and Xsellence Realty Stock the Fr idge for Kallison Ranch Elementar y Staff!

Contract CE classes now. Mission Title is offering TREC-approved Contract classes starting in October that will satisfy the new TREC Requirement. If you have any questions, please reach out to John Neely at 210-734-3500 and also check our website https://missiontitle.com/

Help Us Promote You!

We Want To Know! - Event Coming Up? - Did you win an award? - Get Employee of the Month? - Do something exceptional? - Hire new agents? - Earn a designation? It Is Simple and Easy To Submit Info To Us For FREE 1. Go to our website 2. Click on forms 3. Select the form you want 4. Fill out and submit!

Century 21 Scott Myers Welcomes Valadez Century 21 Scott Myers, Realtors is delighted to welcome Monica Valadez back to the company.after spending the last two years at another company. Scott Myers, the Broker and Owner says " Monica is a credit to the

entire industry and certainly a credit to our company. She gives the finest real estate service imaginable. I highly encourage anyone interested in having very individualized real estate service to call our office and ask for Monica".

Happy Thanksgiving!

Please Stay Safe This Holiday Season www.renewsline.com

Real Estate Newsline

November 2020

RE/MAX Preferred Fall Inspired

3 Be sure to see and download more pictures from this event and others online:

1. Tom Fentress, RE/MAX Preferred, Mario Hesles, Keller Williams Legacy, Rick Acosta, RE/MAX Assoicates Boerne and Bill Lester, Capital Title. 2. Monique Bordelon, Patti Bordelon and Danielle Prouse, all RE/MAX Preferred. 3. Patrick Moore, Guild Mortgage, Scott Jauregui, Keller Williams Heritage and Charles Acosta, RE/MAX Preferred.

4. Susan Wright, Susan Davis and Mary Helen DiLiberto, all RE/MAX Preferred. 5. Cheryl Nichols, RE/MAX Preferred and Adam Hughes, Legacy Mutual Mortgage. 6. Jackie Galvan, RE/MAX Preferred and Kristin Hester, Perry Homes. 7. Jose Martinez, Prime Lending and Jenny Bingham, RE/MAX Northeast.