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 National Headlines
May/June 2007 Media Creates Foreclosure Hysteria
July/August 2007 Buyer Tax Credit Will Help with Recovery
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November/December 2007  

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Common Questions from First-time Homebuyers
(06-15-08) 

      June is National Homeownership Month and the REALTORS® Association of Lincoln wants to help everyone fulfill their dream of owning their own home.
      Buying your first home can be one of the most exciting times in your life as well as one of the scariest times.
      REALTORS® want to help you over come those fears and make the home buying process as easy as possible. With these tips, we hope to help each individual find the perfect first home.

Know Your REALTOR®
Get references from family, friends and colleagues. Take time to interview different REALTORS®. Dig deep to know what your getting in terms of loyalty, knowledge and experience. Getting the right REALTOR® is a tremendous help – and often a necessity when it comes to finding the right house.

Live Within Your Means
      Don’t go overboard in wanting a house with everything. Of course the biggest house with all the amenities is what everyone wants, but it is best to start with what you can afford and work your way up to the house you’ve always wanted or get a fixer-upper and turn it into your dream house.
      A good rule of thumb is to total your monthly debts, including your mortgage and this amount should not exceed 36 percent of your income before taxes. Make sure to budget for insurance, property taxes, furniture and general maintenance.

Ask Questions
Do not be afraid to ask questions if you are unsure or do not understand something. Asking the most simple or most complex of questions is the best way to understand the home buying process whether you are talking to a REALTOR®, lender or home inspector. Remember there are never any dumb questions and chances are, the question has been asked before.

I Don’t Have a Down Payment
      There are many options for First-Time home buyers that make it affordable to purchase a home without having a down payment. Down payment assistance programs through agencies such as Neighborhoods Inc. and NIFA (Nebraska Investment Finance Authority) can get you a loan without having to worry about a down payment.
      Choosing a loan officer is an important part of the home buying process. You have to know what economic factors are impacting interest rates so you can get the best deal.

If you would like more information on becoming a first-time homebuyer visit these sites:

LincolnREALTORS.com
REALTOR.com
HousingMarketFacts.com

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REALTORS® Add Value
(06-08-08) 

      There are many important reasons to use a REALTOR®. The REALTORS® Association of Lincoln wants you to know:

How do you know you're working with a REALTOR®?
Look for the REALTOR® "R"

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Why Use a REALTOR®?
More Service, Less Stress
(06-01-08) 

      There are many important reasons to use a REALTOR®. Some of the duties your REALTOR® will perform for you include:

How do you know you're working with a REALTOR®?
Look for the REALTOR® "R"

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Steps to Buying a Home
Homeownership is Within Your Reach!
(05-25-08) 

One of the keys to making the homebuying process easier and more understandable is planning.

1. Get ready! NeighborWorks Lincoln( NWLincoln.org) offers free homebuyer education classes and mortgage counseling. Graduates of its classes can qualify for lower interest loans and down payment assistance.

2. Get a REALTOR®! At first it might seem that by checking online sites you could quickly find the right home at the right price. But homes differ and so do contract terms, financing options, inspection requirements and closing costs. In this maze of forms, financing, inspections, marketing, pricing and negotiating, it makes sense to work with professionals.

3. Get loan pre-approval. Meet with a loan officer, who will review your financial situation, including your credit report. The lender will then suggest programs which most-closely meet your needs. A first-time buyer may qualify mortgage programs with little money down and low interest rates.

4. Look at homes. Now that you know how much you can afford, work with a REALTOR® to determine what will be the perfect home for you. Look at as many homes as possible, check prices, and check out neighborhood information.

5. Choose a home. Once your choices have been narrowed, work with your REALTOR® to find specific information and options.

6. Get funding. To obtain a loan you must complete a written loan application and provide supporting documentation, such as recent pay stubs and tax returns.

7. Make an offer. An offer to buy includes both the price and terms. In some cases, terms can represent thousands of dollars in additional value or cost for buyers. Terms are extremely important and should be carefully reviewed. You will complete an offer that your REALTOR® will present to the owner. The offer may be accepted, rejected or countered.

8. Get insurance. The essential idea behind various forms of real estate insurance is to protect owners in the event of catastrophe. If something goes wrong, insurance can be the bargain of a lifetime.

9. Closing. The result is that title to the property is transferred from seller to buyer. The buyer receives the keys and the seller receives payment. Deeds, loan papers, and other documents are prepared, signed and filed with local property record offices.

10. What’s next? Those papers you received at settlement are extremely valuable, so hold on to them!

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Courtney Jantzen Memorial Award Presented to Peggy Rader
(05-18-08) 

      Lincoln REALTOR® Peggy Rader is the 2008 recipient of the Courtney Jantzen Memorial Award. The award is to be used to further the recipient’s education in the real estate industry.
      Courtney Jantzen became a property manager at Hoppe, Inc. in August of 2003. She loved the work and was inspired to get her real estate license. On May 18, 2004 she obtained her real estate salesperson license and began working at the Pine Lake office for Home Real Estate. In October of 2005 Courtney earned her GRI (Graduate REALTOR® Institute) designation.
      Courtney was diagnosed in February of 2006 with a rapidly growing malignant brain tumor. Even through her illness she remained a caring and extremely giving person. She died on
April 8, 2006.
      Her family wishes to keep Courtney’s spirit and memory alive by annually presenting an educational stipend in her name. To be considered for the award an applicant must have been a REALTOR® for three years or less. This money is intended to be used for a NAR recognized designation class to enable the recipient to continue their growth and knowledge of the real estate business.

 

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Cuda Memorial Award Presented to Beverly Prucha
(05-11-08) 

      Beverly Prucha is the 2008 recipient of the Bradley L. Cuda Safety Award. Twenty-three years ago, Beverly co-founded Charlie Brown’s Kids and has worked as a volunteer coordinator since that time. Charlie Brown’s Kids is a grief support group for children who have experienced the death of a parent. In addition to Charlie Brown’s Kids, she serves on the board of H.U.G.S. Camp at the Children’s Zoo.
      Over the past 23 years, Beverly’s commitment to children during a difficult time in their lives has been a positive influence that wilil give them coping skills that will last them a lifetime.
      Brad was the son of REALTORS® Dan and Jeanne Cuda. He had one older sister, Dawn, and an older brother, Jason. He was seven years old, a 2nd grader at Prescott Elementary School and a Tiger Scout.
      Those who knew Brad remember him as a young gentleman who seemed to bring out the best in people.
      Brad was the victim of a car-pedestrian accident while walking home from school on March 28, 1985.
      Following Brad’s death, the REALTORS® Association of Lincoln established the Bradley L. Cuda Memorial Award. The award is presented annually to recognize those individuals or organizations who have made a significant contribution to child safety within Lancaster County.

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2008 Nebraska REALTOR® of the Year: Gene Ward
(05-04-07) 

      Lincoln REALTOR® Gene Ward was named the 2008 Nebraska REALTOR®-of-the-Year at Nebraska REALTORS® Association’s annual convention in April. The Nebraska REALTOR® of the Year is the highest honorawarded by the Nebraska REALTORS® Association, and is given to a member who exemplifies service not only to the association, but to the community and the real estate industry at large.
      “I am very honored to have been selected as the Nebraska REALTOR® of the Year. There are a number of very deserving individuals within the State Association – and to be selected as the recipient for 2008 is truly an honor. said Gene of his award.
      “I, further, feel honored to have had the opportunity to work in the real estate industry for the past 37 years, because I believe that we REALTORS® serve a vital function of helping our clients and customers achieve the American Dream of home ownership – that is helping them accomplish goals that they would be unable to do without us. In addition, I am so proud to have been able to work in the State of Nebraska and the City of Lincoln for all of these years.”

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Curb Appeal Helps Homes Sell
(04-27-08) 

      Warm. Welcoming. Arresting. Appealing. Although landscape and real estate professionals differ about how to define curb appeal, they all agree that a home’s first impression can make a huge difference in how well it fares on the market.
      “People who prepare their homes-inside and out before they put them on the market are the ones who have quicker sales and who receive top dollar,” says Mary Harker, a broker-associate with Keller Williams
Realty in Dallas.
      There are several improvements, from minor repairs to major landscaping overhauls that will add pizzazz to a home. The course of action will depend on your budget and how much time you have to sell your home. Some experts say, for example, that owners should spend between 10 & 20 percent of a home’s value on landscaping. But that’s for someone who is staying put; it wouldn’t be advisable to spend that much unless you were going to live in your home a year or more. For a typical sale cycle 30 to 60 days – practitioners say spending between 1 & 2 percent of a home’s value is a reasonable investment in curb appeal.
      You, the owner, need to understand the benefits of the investment. Some houses need more attention than others and the money you put into your house now will come back to you later. Industry experts say new landscaping can add two to three times its cost to the home’s sale price.

THE BASICS
      At a minimum, everything a potential buyer might notice should be in working order and well maintained. Homeowners can take care of this work themselves with a little money and a lot of elbow grease.
Items such as burned-out light bulbs, broken doorbells, cracked panes of glass, and damaged trim should be repaired or replaced. Windows and siding should be clean and any metal objects should be
polished.
      Keep sidewalks and driveways clean and passable. Lawns should be cut, edged and green. A bag of fertilizer and regular watering can perk up grass in a week or two. In addition, all bushes and trees should be trimmed, and flower beds should be weeded and covered with fresh mulch.
      After you get the outside in tip-top shape, you must maintain the property because potential buyers could drive by at any time. The home has to say “come buy me” at all times, so be sure to turn on any exterior lights at night to show off the homes features.

MUST DO vs. SHOULD DO
      Once you have covered the basics, the line between “must do” and “should do” projects becomes blurred, with budget and timing.
      You may want to pursue some projects that carry potentially high price tags and even require the help of professionals. The roof is a major project. If you have shingles that are starting to cup and curl, you should replace them. Painting the exterior, replacing shutters and gutters that are damaged, repairing broken concrete in driveways and adding exterior lighting should also be on the list.
      Other projects such as major landscaping overhauls fall into the optional category. Only do this if you have the time and money. A cost-saving suggestion is to focus on plants and not worry about projects like putting in a brick pathway. Plants are not usually expensive; it's the hardscape that adds to the expense. A flowerpot filled with blooming plants is an inexpensive way to add splashes of color to any home.

Feedback

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REALTOR® Code of Ethics: What It Means for Consumers?
(04-20-08) 

      How does the Code of Ethics affect everyday real estate practices? If a REALTOR® represents you, whether you are buying or selling a home, you can count on that REALTOR® to:
      1. Be honest with all parties in the transaction – not just with you, as his or her client, but also with the other real estate practitioner and his or her clients.
For example, if REALTORS® represent a buyer with a spotty credit history, they can’t be dishonest with sellers about this fact. At the same time, REALTORS® can help their buyer clients collect and assemble information, such as credit reports and audited tax returns, to demonstrate that the buyer has addressed the problem and improved their situation.
      2. Put your interests ahead of his or her own, at all times.
A REALTOR® makes every effort to understand the housing needs of his or her client, thoroughly researches available inventory, and shares all relevant information with the buyer so that he or she can make an informed decision. This service is provided regardless of the compensation available.
      3. Disclose all pertinent facts regarding the property and the transaction to both buyer and seller.
If a REALTOR® believes information provided by a seller is questionable, the REALTOR® is obligated to investigate. REALTORS® should recommend that buyers consult their own experts, such as home inspectors, to address concerns. For example, if a home seller asks his or her REALTOR® to conceal the fact that the roof leaks, the REALTOR® cannot comply; if the seller insists, the REALTOR® should end the business relationship with that seller.
      4. Be truthful in all communications with the public.
      When REALTORS® distribute newsletters, create Web sites, or place advertisements, they must be careful not to represent other real estate professionals’ work product as their own. If recently sold or listed properties in the community are publicized, it must be clear whether the REALTOR® was actually involved in the transaction, or whether that data came from the local multiple listing service or other source. This ensures that the public understands the REALTOR®’s experience and can make an informed decision when choosing real estate representation.


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April is Fair Housing Month
(04-06-08) 

      Warm. Welcoming. Arresting. Appealing. Although landscape and real estate professionals differ about how to define curb appeal, they all agree that a home’s first impression can make a huge difference in how well it fares on the market.
      “People who prepare their homes-inside and out before they put them on the market are the ones who have quicker sales and who receive top dollar,” says Mary Harker, a broker-associate with Keller Williams
Realty in Dallas.
      There are several improvements, from minor repairs to major landscaping overhauls that will add pizzazz to a home. The course of action will depend on your budget and how much time you have to sell your home. Some experts say, for example, that owners should spend between 10 & 20 percent of a home’s value on landscaping. But that’s for someone who is staying put; it wouldn’t be advisable to spend that much unless you were going to live in your home a year or more. For a typical sale cycle 30 to 60 days – practitioners say spending between 1 & 2 percent of a home’s value is a reasonable investment in curb appeal.
      You, the owner, need to understand the benefits of the investment. Some houses need more attention than others and the money you put into your house now will come back to you later. Industry experts say new landscaping can add two to three times its cost to the home’s sale price.

THE BASICS
      At a minimum, everything a potential buyer might notice should be in working order and well maintained. Homeowners can take care of this work themselves with a little money and a lot of elbow grease.
Items such as burned-out light bulbs, broken doorbells, cracked panes of glass, and damaged trim should be repaired or replaced. Windows and siding should be clean and any metal objects should be
polished.
      Keep sidewalks and driveways clean and passable. Lawns should be cut, edged and green. A bag of fertilizer and regular watering can perk up grass in a week or two. In addition, all bushes and trees should be trimmed, and flower beds should be weeded and covered with fresh mulch.
      After you get the outside in tip-top shape, you must maintain the property because potential buyers could drive by at any time. The home has to say “come buy me” at all times, so be sure to turn on any exterior lights at night to show off the homes features.

MUST DO vs. SHOULD DO
      Once you have covered the basics, the line between “must do” and “should do” projects becomes blurred, with budget and timing.
      You may want to pursue some projects that carry potentially high price tags and even require the help of professionals. The roof is a major project. If you have shingles that are starting to cup and curl, you should replace them. Painting the exterior, replacing shutters and gutters that are damaged, repairing broken concrete in driveways and adding exterior lighting should also be on the list.
      Other projects such as major landscaping overhauls fall into the optional category. Only do this if you have the time and money. A cost-saving suggestion is to focus on plants and not worry about projects like putting in a brick pathway. Plants are not usually expensive; it's the hardscape that adds to the expense. A flowerpot filled with blooming plants is an inexpensive way to add splashes of color to any home.

Feedback


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One Way to Avoid Foreclosure: Call a REALTOR®
(03-23-08) 

If you feel like you may be in danger of defaulting on your mortgage or are facing foreclosure, you need to act now. Your fi rst action should be to call your lender.

Then you should call in another professional – a REALTOR®.

REALTORS® can provide assistance to troubled borrowers by explaining sources of help and referring them to counseling.

If your lender is not willing to restructure your loan, REALTORS® can refer you to other
responsible lenders in your area.

Even if you owe more than your home’s value, REALTORS® can help you with another option - selling your home in a short sale. A short sale is a sales transaction in which the seller’s mortgage lender agrees to accept a payoff of less than the balance due on the loan.

A growing number of lenders are approving short sales as an alternative to foreclosure, says Doug Duncan, Mortgage Bankers Association chief economist. The move is a way for lenders to avoid having to take over and manage property.

“The way banks see it, it’s better than if the house goes into foreclosure, stands empty, and sees its value spiral downward before it’s auctioned off,” says Duncan. In some circumstances, a lender might forgive the amount of any shortfall.

Above all, beware of consumer scams often advertised as “We Buy Houses for Cash,” or similar slogans that sound too good to be true, because they are.

The National Association of REALTORS® Web site has several important consumer brochures that can be downloaded free of charge. In addition to information specifically aimed at borrowers facing trouble in making repayments, other brochures offer advice on avoiding predatory loans and obtaining traditional mortgages. All the brochures are available at www.REALTOR.org/subprime.

Project HOPE NOW is a voluntary alliance of major lenders who have agreed in principle to assist qualified homeowners who are on the verge of default due to resetting adjustable-rate mortgages. The national toll free number is 888-995-HOPE to reach a counselor for advice and further referral.

Remember, the worst thing you can do if you’re having trouble making your monthly mortgage payment is to remain silent. Help may be available; you just have to ask for it.


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Falling Interest Rates+2,000 Homes for Sale in Lincoln=A Great Time to Buy!
(3-9-08) (3-16-08)

With spring on its way, wouldn’t it be nice to grill burgers and relax with the family in the backyard of your newly purchased home?

Or, how wonderful would it be to have fresh lilacs right from your yard filling your new home with fragrance? Well, stop dreaming about it and start making it a reality!

Consult a REALTOR®
The first step is talking to a real estate professional — a REALTOR® — who will guide you through the process whether you’re a first-time home buyer, needing to expand or looking to down-size.

Educate Yourself
Local programs and services, such as Consumer Credit Counseling Services, Inc., NeighborWorks Lincoln, and Lincoln Urban Development offer FREE classes that will help you determine what you can afford and get you on the right track to home ownership. There are also loan assistance programs available to those who qualify that will help with down payments.

Another great place to start is Lincoln’s 2nd Annual Housing Fair, which will be held Saturday, April 19, from 9 a.m. to noon at Elliott Elementary School, 225 S. 25th. This free event will connect you to the resources to help you answer your real estate questions. You can take advantage of free consultations with real estate professionals such as lenders, insurance and title companies, REALTORS® and more.

For more information, check out these resources available to consumers:

Links to REALTOR® Web sites and Open House Searches are available at www.LincolnREALTORS.com.

Don’t delay! The dream of homeownership can be yours.


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We're REALTORS®: Real Estate is Our Life
(3-2-08) 

Your life is complicated enough. Whether you’re taking care of patients, customers, clients, a classroom or a home, the last thing you need is another full-time job. And making sure a real estate transaction is handled properly is exactly that—a full-time job.

That’s why the vast majority of buyers and sellers rely on real estate professionals to make sure the job gets done right. So before you decide to buy or sell, talk to someone who can help you get on with the life you’ve worked so hard to enjoy. Talk to us.

We’re REALTORS®, members of the local, state and national REALTOR® Associations - real estate trade associations whose members abide by a strict code of ethics.

Realtors have the expertise, resources and dedication to guide you through a real estate transaction. We understand the contracts, the finances and the laws that apply to sales and purchases. We have the resources you need to find just the right combination of location, amenities and price range. We have the skills to handle the negotiations and marketing of your property. We have the experience and the contracts to ease your way through a complicated process, including the final inspection and closing.

Working with a REALTOR® ensures that your transactions will be handled professionally. Which is why it makes sense to talk to us before you buy or sell.

Remember, all real estate licensees are not the same. Only those who are members of the National Association of REALTORS® are properly called REALTORS®. They proudly display the REALTOR® logo on their business cards and marketing materials. REALTORS® follow high standards and are committed to treat all parties in a transaction fairly and honestly.

Real estate transactions involve one of the biggest financial investments most people experience in their lifetime. If you had a tax or legal problem of the same magnitude, would you even consider going without the help of an accountant or attorney? It pays to have the professional assistance of a REALTOR® in any real estate transaction.

To learn more about real estate and how a REALTOR® can help you, visit the most complete real estate site on the Internet: www.REALTOR.com and to learn more about the REALTORS® in Lincoln, visit www.LincolnREALTORS.com.

On these sites you can estimate how much home you can afford using specially designed calculators. Even look for a mortgage and get up-to-the-minute rates and qualification information online, plus a selection of local and national lenders.

You’ve got a life and we let you live it. We’re REALTORS®. Real estate is our life™.


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Now's a Great Time to Buy!
(2-17-08) 

      Consumers considering a home purchase should contact a REALTOR® to take advantage of the current environment now. Interest rates have dropped and home choices are plentiful. But no matter which way the market is leaning, it’s essential to work with a professional. REALTORS® have an objective eye and are experienced in seeing things from both a buyer’s and a seller’s perspective. Now more than ever, you need a REALTOR® to help you achieve your goals and realize your dreams.
      Many media reports about trends and developments in the housing market are on a national level and don’t capture what’s happening in individual communities across the country. As local real estate market conditions continue to evolve, savvy consumers rely on the guidance of real estate professionals who are immersed in the industry. REALTORS®’ insight and experience into their local markets add real value in today’s dynamic real estate environment.
      Today, in the Lincoln market, interest rates are comparable to 40-year lows, offering homebuyers a once-in-a-lifetime opportunity. Look for mortgage rates around 6 percent. Housing prices are also at a low.
      If you’re considering buying a home, plan to attend Lincoln’s 2nd annual Housing Fair, which will be held Saturday, April 19, at Elliott Elementary School from 9 a.m. to 12 noon.
Representatives from all businesses involved in a real estate transaction—lenders, title companies, insurance utilities, home warranty companies and REALTORS®—will be present to answer your questions. In addition, Consumer Credit Counseling Services of Nebraska, NeighborWorks Lincoln, and Urban Development will explain their programs. There will also be children’s entertainment, drawings and give-aways for attendees. And admission is FREE!
      Homeownership is a safe, secure way to build long-term wealth. Buyers and sellers have different concerns as their local markets change, but our REALTOR® members handle hundreds, if not thousands, of real estate transactions over the course of their careers, and can counsel and guide consumers through the process. REALTOR® have the expertise and experience to help sellers protect their investment and help buyers build theirs.
      Don’t Delay. Now is a great time to buy or sell a home. Real estate is the best investment you can make. Several programs are available to make housing choices available and affordable for you today!


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2007 Outstanding Affiliate, Mary Coffey
(10-28-07) 

      The REALTORS® Association of Lincoln (RAL) named Mary Coffey of NeighborWorks Lincoln as its 2007 Outstanding Affiliate at its annual Installation and Awards Banquet on September 27, 2007 at the Country Club of Lincoln.
      Mary is a loan coordinator at NeighborWorks Lincoln. She began working there in 1993 as an intern and has remained on staff ever since. She oversees all of the organization’s loan counseling programs, conducts homebuyer seminars, and works directly with homebuyers, real estate agents and second mortgage funding representatives.
      She has been an active member RAL, serving on the Affordable Housing Committee, teaching continuing education classes, and helping new REALTORS® learn the ropes of NeighborWorks programs that aid homebuyers. She also played a key role in a housing fair held earlier this year.
      Mary was born and raised in Holdrege, Nebraska. She is married and has three grown daughters and nine grandchildren. She earned an A.D.A.S. in Business Administration & Accounting from Southeast Community College and earned a B.S. in Consumer Science from the University of Nebraska-
Lincoln.
      Mary credits her success to pursuing a career she truly enjoys. “I love my job and the best part of my job is working with a diverse population of first-time home buyers.”

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2007 REALTOR® of the Year, Wendy Francis
(10-21-07) 

      Wendy Francis, Woods Bros. Realty, was named the 2007 REALTOR®-of-the-Year by the REALTORS® Association of Lincoln (RAL).
      As an active member of RAL, Wendy is currently serving on the Board of Directors, the Public Policy and Equal Opportunity committees and is the chairperson of the MLS Committee. She is a past chairperson of the Affordable Housing Committee.
      In addition, Wendy serves as a commissioner for the Lincoln-Lancaster County Planning Commission (2007-13), a commissioner for the Lincoln Commission on Human Rights (2006-08), the board of directors for the NE ACLU (2006-09) and is a volunteer for Tabitha Meals on Wheels.
Wendy holds the following National Association of Realtors® designations of Accredited Buyer Representative (ABR) and Graduate Realtor Institute (GRI).
      Wendy joined RAL in 1994. She was inspired by a friend to make a difference in people’s lives.
“Helping someone get a house to call their own who makes a modest income and doesn’t think they can afford a home,” is one of her proudest accomplishments, she said.
      That drive is what inspired her to become active in the Affordable Housing Committee.
      “I wanted to make a difference!,” she explained. “I truly enjoy working with people who are thrilled at the prospect of owning a home but don’t know where to start or if they can afford a home. That was a niche that found me in my first year.”

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88th Installation and Awards Banquet
(10-14-07) 

      Patricia L. Ohmberger, Home Real Estate, was installed as the 88th President of the REALTORS® Association of Lincoln at its Annual Installation and Awards Banquet held Thursday, September 27, 2007 at The Country Club of Lincoln. The program was emceed by Larry Melichar.
      Other officers installed were Julie McManaman, Home Real Estate, Vice President; Kent Thompson, Thompson Realty Group, Treasurer; and Judy Sasek, Woods Bros. Realty, Secretary. Wendy Francis, Woods Bros. Realty, was named the 2007 REALTOR®-of-the-Year by the REALTORS® Association of Lincoln. Mary Coffey, NeighborWorks Lincoln, was named 2007 Outstanding Affiliate.
      The following REALTORS® will serve on the Board of Directors of the Association: Darlene Fletcher-Home Real Estate, Wendy Francis-Woods Bros. Realty, Karey McCauley-Manzitto Real Estate, Kristen Anderson-Woods Bros. Realty, John Hoppe, Jr.-PrimeSites, John Janovy III-Woods Bros. Realty, Arla Meyer-Woods Bros. Realty, Drew Stange-NAI/FMA Realty, and Marcia Weddle-Century 21. RAL’s 2007 President Mary Bills-Strand and 1983 President John Watson will also serve a one-year term on the board.
      At the September membership luncheon 2007 President Mary Bills-Strand presented Presidential Achievement Awards to Wendy Francis, Woods Bros. Realty and Kim Roberts, Home Real Estate, for their work on a Housing Fair. She also presented Meritorious Service awards to: Eugene W. Carroll of Apple Real Estate, Wendy J. Francis, Robert R. Moline of HomeServices of Nebraska, Tracy Roe of the Lincoln Journal Star, Nicole Jensen of the REALTORS® Association of Lincoln, and Londi Rutan of Capitol Title.

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NAR Supports Proposed FHA Changes
(09-17-07) 

      Pat V. Combs, 2007 president of the National Association of REALTORS®, released the following statement in support of the Federal Housing Administration policy changes proposed by President George W. Bush:
      “The National Association of REALTORS® strongly commends President Bush for his leadership in proposing a set of policies designed to ease the crisis in the mortgage industry and halt the rapidly increasing rate of foreclosures affecting many American families today.
      “NAR has been advocating for many of these FHA changes since early 2007. In letters, testimony, speeches and meetings, we have encouraged both Congress and the U.S. Department of Housing and Urban Development to make meaningful changes to the FHA that would stem rising foreclosures.
      “The proposed changes will allow more people to refinance with FHA insurance, like those who have fallen behind in their mortgage because of so-called “exploding ARMs.” Many families who have been making their mortgage payments at the starter rate but were unable to keep them up after the loan reset have been unable to refinance through the FHA, but with this increase flexibility, FHA can now help many more families in jeopardy of losing their home.
      “We will continue to use our voice and presence in Washington, pushing Congress to act quickly to enact other FHA program changes that will help ease the current crisis and protect consumers. FHA modernization should include increasing loan limits, eliminating or reducing the amount of cash down payments required for FHA loans, establishing risk-based pricing, revising prepayment penalty regulations, and increasing loss mitigation efforts.
      “NAR also supports separate legislation to abolish the mortgage cancellation tax that consumers are hit with when their mortgage is forgiven by their lender. NAR believes in a comprehensive effort to ensure this crisis will not repeat itself and alleviate the burden for many families who are currently facing the nightmare of losing their home.”

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REALTORS® Take Part in Paint-A-Thon
(09-03-07) 

      Once again members of the REALTORS® Association of Lincoln participated in the 17th annual Lincoln Paint-A-Thon on August 11, 2007.
      The Lincoln Paint-A-Thon is a corporate sponsored community service project designed to paint the homes of elderly and permanently disabled homeowners who cannot physically do the painting themselves, and who cannot afford to hire the painting of their home.
      REALTORS® who volunteered for the project this in year include Les Hubert, Dennis Mehrhoff, Diana Shilf, Londi Rutan, Dan Castro, John Watson, Doug Vandervort, Carla Waldbaum, Nate Gustin, Tina Carstensen, Zach McCauley, Matt Reddick, and Janis Faller.
      “It’s a really nice thing to do for the residents of Lincoln who otherwise wouldn’t be able maintain their houses,” said Tina Carstensen, a REALTOR® with Castle Real Estate. She’s volunteered for Paint-A-Thon for the past two years.
      “It’s a great time to get together and meet people you might not otherwise get to meet,” Carstensen added.
      To see more pictures, look at Lincoln real estate statistics, find a REALTOR® or view a list of open houses, visit www.LincolnREALTORS.com.

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Common Questions from First-Time Homebuyers
(08-26-07) 

1. Why should I buy, instead of rent?
A. A home is an investment. When you rent, you write your monthly check and that money is gone forever. But when you own your home, you can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes. This will save you a lot each year, because the interest you pay will make up most of your monthly payment for most of the years of your mortgage. You can also deduct the property taxes you pay as a homeowner. In addition, the value of your home may go up over the years. Finally, you’ll enjoy having something that’s all yours – a home where your own personal style will tell the world who you are.
2. What are HUD Homes, and are they a good deal?
A. HUD homes can be a very good deal. When someone with a HUD insured mortgage cant meet payments, the lender forecloses on the home; HUD pays the lender what is owed; and HUD takes ownership of the home. Then they sell is at market value as quickly as possible. Find out more about HUD homes at www.hud.gov.
3. Can I become a homeowner even if I have had bad credit, and don’t have much for a downpayment?
A. You may be a good candidate for one of the federal mortgage programs. Start by contacting one of the HUD-funded housing counseling agencies that can help you sort through your options. Also, contact the local government to see if there are any local homebuying programs that may work for you. NIFA and NeighborWorks® Lincoln are both available in Lincoln.
4. How much money will I have to come up with to buy a home?
A. That depends on a number of factors, including the cost of the house and type of mortgage you get. But in general, you need to have enough money to cover these costs: earnest money – the deposit you make on the home when you submit the offer to prove that you are serious about wanting the house; the downpayment – a percentage of the cost of the home that you must pay when you go to settlement; and closing costs – the costs associated with processing the paperwork to buy a house.
5. What do I need to take with me when I apply for a mortgage?
A. You should have: 1) social security numbers for you and your spouse, if both of you are applying for the loan;
2) copies of your checking and savings account statements for the past 6 months; 3) evidence of any other assets like bonds or stocks; 4) a recent paycheck stub detailing your earnings; 5) a list of all credit card accounts and approximate monthly amounts owed on each; 6) a list of account numbers and balances due on outstanding loans, such as car loans;
7) copies of the last 2 years’ income tax statements; and 8) the name and address of someone who can verify your employment. Depending on your lender, you may be asked for additional information.
6. I know there are lots of mortgages – how do I know which one is best for me?
A. Most people use a fixed-rate mortgage. In a fixed-rate mortgage, your interest rate stays the same for the term of the mortgage, which is usually 30 years. The advantage of a fixed-rate mortgage is that you always know exactly how much your mortgage payment will be. An Adjustable Rate Mortgage (ARM), starts off with lower interest rates and monthly payments than a fixed-rate mortgage. But your rate and payment can go up or down. This adjustment is tied to a financial index, such as the U.S. Treasury Securities index. There are several other mortgage programs including the Veteran’s Administration and Department or Agriculture Programs and FHA mortgages. Talk to your REALTOR® about the various kinds of loans, before you begin shopping for a mortgage.
7. More information?
A. Visit: http://www.hud.gov/offices/hsg/sfh/buying/buyhm.cfm for 100 questions and answers about buying a home.

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What Buyers Want: Top Home Preferences
(08-19-07) 

      More home buyers want extra garage space with two or more spaces in their homes, according to the "2007 Profile of Buyers' Home Feature Preferences," which was released recently by the National Association of REALTORS®.
      The number of buyers expressing a desire for oversized garages grew 16 percentage points since NAR's last survey of buyer preferences in 2004. About 57 percent of home buyers surveyed now say they want an oversized garage. What's more, among buyers who purchased home without big garages, 56 percent said they would have paid more for an oversized garage, compared to only 6 percent in the 2004 survey.
      NAR's latest home buyer preference survey, which reports responses from buyers who purchased homes in 2006, asks buyers about the importance of 75 home features and room types.
      Other priorities for today's home buyers include:
      Air conditioning: three out of every four respondents surveyed ranked this as "very important."
      Master bedroom walk-in closet: 53 percent of buyers rated this as an important feature in a home.
      Hardwood floors and granite countertops: each gained 7 percentage points in popularity since the 2004 survey; 28 percent and 23 percent, respectively, of buyers labeled these home features as very important.
      Energy efficiency: especially among new-home buyers - 65 percent of new-home buyers said energy efficiency home features are very important compared to 39 percent for buyers of existing homes.
      Regional Preferences
      What home buyers want in the South, however, is not always what buyers in the West want. The survey identified some of the following regional preferences in home features:
      - Sixty-six percent of buyers in the South thought a walk-in closet in the master bedroom was very important, while 61 percent of Midwesterners valued an oversized garage.
      - In the Northeast, the highest percentage of buyers placed a premium on a backyard or play area (53 percent), followed by central air conditioning at 41 percent.
      - Two-thirds of buyers in the West want oversize garages (66 percent), followed by central air conditioning at 59 percent.
      Fixing Up the Nest
      According to the survey, nearly six out of 10 recent home buyers took on remodeling or home improvement projects within three months of their purchase. Close to half of home buyers who remodeled or made improvements updated the kitchen, and nearly half remodeled or improved their bathroom.
      New-home owners spent a median of $4,350 on home improvement or remodeling projects undertaken within three months of purchase.
      "The fact that a majority of home buyers quickly remodel key areas of home ties into the fact that their home is a good, love-term investment," says Paul Bishop, NAR manager of real estate research. "Regardless of market conditions in the short term, when purchased for the long term, housing is one of the safest investments consumers can make."

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A/C Maintenance Keeps You Cool
(08-12-07) 

      It’s that time of year again, when you notice your electric bill going up from the constant running of your air conditioner. To get the most out of your A/C unit this summer, it’s best to use a combination of professional and homeowner maintenance. This maintenance will keep the cost down as well as use of energy down.
      All air conditioners and heat pumps require regular maintenance to perform at peak efficiency. Each central air conditioning unit should be inspected, cleaned and tuned by a professional once every two years. In Lincoln the average cost to clean and inspect an A/C unit is $75 an hour. (Note: it will cost more if you need further parts or maintenance.)
The Technician Should…
     Measure the refrigerant to see if it needs recharging. An undercharged unit lowers the efficiency of the system.
     Measure the airflow over the air conditioner’s cooling coils. Inadequate airflow is a common problem and correcting airflow rates can increase efficiency by 5 to 10 percent.
     Clean and inspect the motor, compressor, air handler, ducts, coils and air filters.
What a Homeowner Can Do…
     Clean or replace the A/C filters monthly. Dirty filters cause the unit to work harder than necessary.
     Keep the grass around the A/C trimmed and be careful to not blow debris into the AC. Make sure landscaping does not block the outdoor air conditioner components; there should be 4 to 5 feet of open air to ensure proper air flow.
     Shade the A/C unit. Air in the shade is typically 5 to 6 degrees cooler than the surrounding air, which means the A/C will have an easier time cooling the air before pumping it into the home. Units with proper shading can be up to 10 percent more efficient during the cooling season.
     Insulate ducts. Sealing ducts will save energy and money year round.
     Clean off dirt buildup on the indoor and outdoor coils of the central A/C system. The heat exchangers between the refrigerant and the surrounding air can quickly build up impurities and will hinder the coil’s performance by as much as 8 percent. These coils can be cleaned with warm, soapy water,
but treat gently. Before performing any maintenance, check with the manufacturer’s recommendations
about the unit’s care.
     Recirculate air. It is far more economical to recirculate and cool the indoor air than to draw in hot air from outside, cool it down and remove the moisture in it.
     Raise temperature settings. Each degree of temperature can represent up to 9 percent savings or added expenses in cooling costs.
     Use ceiling fans. Moving air with ceiling fans can increase the
comfort range.
     For more information and tips on cooling your home this summer, contact the Nebraska Energy Office at www.neo.ne.gov. You can also visit the U.S. Department of Energy at www.eere.energy.gov.

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Repairs Every Homeowner Should Make Before Selling
(07-29-07) 

      “It will sell, of course it will sell.” Many home-sellers say this and their house does sell. But does it take longer than you had hoped? Is your house still on the market?
      If it is, or you are planning on listing your house in the near future, here are
some tips that may help your house sell.
      Inside the House
• Fix or replace damaged flooring, such as torn linoleum or cracked tiles.
• Fix any drains, faucets, or plumbing fixtures that are not operating.
• Paint the interior. Fix cracks or holes in the walls.
• Replace burned-out bulbs and broken electrical sockets.
• Fix or replace any broken stairs or stairs with creaks.
• Replace old locks and doorknobs. Fix any doors that do not open easily. (This includes the garage door.)
      Outside the House
• Replace cracked windows and torn screens.
• Fix cracks in the driveway and entry walkway, and clean up stains.
• Paint the exterior. If you have peeling paint, frames or shutters; repaint!
• Replace broken gutters or missing downspouts.
• Reseal the deck and repair broken boards. New sealer can spruce up a fading deck. Repair the roof. Replace shingles as needed. If the roof is old, replace it! Then adjust the asking price. (Information taken from www.houseandhome.msn.com)
      As the weather continues to get warmer, working on the exterior of your house gets easier. Patricia Ohmberger, REALTOR® from Home Real Estate says, “Clean up your yard, get it in order. If that means picking up branches or getting out a rake, do it. This will give your house awesome curb appeal.”
      “The exterior of your house, (it may be the yard or the siding) could be a deterrent to get people to look at it. If it shows well on the outside, it will get people inside,” Ohmberger says.
      One final thing homeowners should consider before selling their home is having a whole home inspection. “By having a whole home inspection, it will bring attention to any items that may be a potential problem,” Ohmberger says. This allows you the homeowner to know about any problems before you sell and
then you can decide what needs immediate attention.
      If you have further questions about repairs or selling your home, contact a
REALTOR® today.

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Home Prices Expected to Recover in 2008 as Inventories Decline
(07-22-07) 

      Home prices are expected to recover in 2008 with existing-home sales picking up late this year and new-home sales rising early next year, according to the latest forecast by the National Association of REALTORS®.
      A good buyer's market has evolved, said Lawrence Yun, NAR senior economist. “Buyers now have an overwhelming advantage given the wide selection of homes available in many markets,” he said. “But with profit margins coming under pressure, homebuilders will limit new construction well into 2008. This should help the overall inventory level to move steadily into a more balanced state.”
      Nationally, existing-home sales are expected to total 6.11 million this year and 6.37 million in 2008, down from 6.48 million last year. New-home sales are projected at 865,000 in 2007 and 878,000 next year, compared with 1.05 million in 2006.
      Locally, through June 2007, 325 new homes were sold compared with 378 sold at this time last year. The average price of a new home is $211,161 this year compared with $215,863 in 2006 and $202,733 in 2005.
      So far this year, 1,768 existing homes have been sold compared with 1,615 at this time last year. The average sale price of an existing home in Lincoln through June 2007 was $142,437 compared with $146,797 in 2006 and $142,071 in 2005 at this time.
      “Markets that sharply reduce new construction in 2007 will generally experience respectable price increases in 2008,” Yun said. “Local conditions vary considerably, but with historically low mortgage interest rates this summer and sustained job gains, it could be a good time for first-time buyers with a long-term view to test the housing waters.”
      The 30-year fixed-rate mortgage is estimated to average 6.7 percent during the second half of this year, and fluctuate around 6.6 percent in 2008.
      Check out more local real estate market statistics at www.LincolnREALTORS.com.

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First-Ever Lincoln Housing Fair - July 21
(07-9-07) (07-16-07)

      Buying a home is one of the biggest financial decisions you’ll make in your life. Before you make that decision, it’s best to education yourself about the process and products available.
      Thinking about buying a home or moving to another home? Wondering if now’s the right time for you to buy? Not sure if you can afford a mortgage?
      Plan to attend the Housing Fair on Saturday, July 21, from 10 a.m. to 2 p.m. at Elliott Elementary School, 225 S. 25th Street.
      The REALTORS® Association of Lincoln has partnered with the Lincoln Journal Star, the Department of Housing and Urban Development, the University of Nebraska-Lincoln and the Lincoln Community Learning Centers for the first-ever Housing Fair.
      The event will provide potential and current homeowners with reliable and credible resources to give you the information you need to help you realize the dream of homeownership. And all of this information is available for free!
      You’ll be able to meet directly with lenders, Realtors®, title companies, insurance providers and non-profit organizations—all of whom will help you decide if now’s the time to buy a home.
Did you know programs exist that provide first-time homebuyers with down payment assistance and low-interest mortgages? You’ll be able to find out about these safe, credible programs at the Housing Fair.
      Even if you have no credit history or if your credit history is less than perfect, free services are available to help you learn how to establish and improve your credit—courtesy of Consumer Credit Counseling Services of Nebraska.
      The Lincoln Journal Star will publish an insert in the Sunday, July 15 edition highlighting the vendors and providing more complete information.
      The REALTORS® Association of Lincoln is proud to sponsor this event and to encourage everyone in their pursuit of fulfilling the American Dream of Homeownership.

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REALTORS® Pack Food for Kids
(07-9-07) 

      “I was looking for a project to volunteer and give back to the community,” said Lincoln REALTOR® Barb Fitchett. She found it last fall when her church got involved in Kids Against Hunger, an international food relief campaign.
      Here’s how it works: Volunteers assemble food packets containing rice, soy beans, dried vegetables, and chicken seasoning powder. Whoever receives the packet boils the contents in 6-10 cups of water for 20 minutes. These packets provide six nutritionally-complete servings at a low cost per serving.
      “To be able to feed a child for 23 cents is awesome to me,” said Fitchett. Since it’s totally volunteer driven, all monetary donations go directly to buying food supplies.
      She decided to round up some co-workers at Woods Bros. Realty-Country Club Plaza to volunteer. Since this January, a packing team has met the 3rd Tuesday of the month from 1 to 3 p.m. in a donated warehouse at 2324 Kimarra Drive.
      Recently, Fitchett and eight volunteers, including Lou Villalobos, Lynne Schroeder, Jane Peek, Julie Howard, Mary Kuhlman, Dory Marsh, Joanne McCoy and Kent Obrist worked at an assembly line filling bags with ingredients before each bag was weighed, sealed and boxed.
      The group said having 10-12 volunteers on each assembly line is ideal. In two hours, ten volunteers can assemble and pack 800 bags. The warehouse has four assembly lines available for volunteers. With this in mind, the group encouraged more people to come out and help.
      “You can do a lot in a short amount of time,” remarked Villalobos. “It’s worthwhile to come for even 45 minutes or an hour,” Fitchett added.
      While it’s an international campaign, it helps first at local and national levels. These packets are put in backpacks as part of the local BackPack Program and also used at the City Mission. What isn’t used locally is used nationally and what isn’t used nationally is sent overseas via the Armed Forces, which provides the transportation at no cost.
      Each volunteer agreed that it was a great project and a lot of fun. Students can participate as part of their school’s community service requirement. Parents have brought children as young as five years old to help. Several groups meet at different times to assemble the food packets.
      For more information visit www.kidsagainsthunger.com or call Barb Fitchett at 432-2649.
“It’s a simple program, it just takes people,” she said

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June is National Homeownership Month
(06-17-07) 

      President George W. Bush declared June as National Homeownership Month in 2002, with the goal of increasing minority homeownership in the U.S. by 5.5 million households by the end of the decade. It’s also a time to raise awareness of homeownership and to encourage more Americans to consider the benefits of owning their own home.
      As the nation’s leading advocate for homeownership, the National Association of REALTORS® understands the value and joy of owning a home.
      “REALTORS® don’t just sell homes, they build communities, and we are committed to making homeownership a reality for those who strive to achieve it,” said NAR President Pat V. Combs.
      The REALTORS® Association of Lincoln (RAL) is no stranger in helping build and contribute to its community. There is always a community project, fundraiser or volunteering to be done in Lincoln and RAL members are always ready to help.
      This year RAL members have raised money for “Safety Through Songs,” which teaches Kindergarten students safety and crime prevention with a coloring book and tape. Members have volunteered for Kid$ense, an LPS program which teaches 4th and 5th graders about money. RAL has given out Minority and Educational Scholarships to students as well.
RAL is not only committed to helping through educational programs, but members volunteer weekly to deliver Meals on Wheels, they ring bells each year for the Salvation Army and paint a house during the community-wide Paint-A-Thon.
      Lincoln REALTORS® also commit themselves to continuing their education about Fair Housing laws and free community programs that are available to aid potential homeowners in following their dream of homeownership.
      On July 21 the REALTORS® Association of Lincoln will partner with community organizations to present a Housing Fair at Elliott Elementary School, 225 S. 25th St., where potential homeowners can learn about first-time homebuyer training, loan programs, and other available resources. You can also meet REALTORS® who can help you find the home of your dreams.
More details will follow in future editions of this article or check out our web site at www.LincolnREALTORS.com.
      Homeownership strengthens communities and the REALTORS® Association of Lincoln strives to make our community even better.

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Soft Landing for Home Sales
(05-13-07) 

      The National Association of REALTORS® still expects more than 6 million existing-homes sales in 2007, but stricter lending standards and a decline in Subprime mortgage origination have contributed to somewhat lowered expectations compared with earlier forecasts, according to the latest projections from NAR.
      Lawrence Yun, NAR senior economist, says one benefit for the market is the disappearance of speculative behavior, which contributed to abnormal price growth.
      “Home buyers today are purchasing for the long term, generally with a realistic expectation of modest gains over time,” Yun says. “Housing first and foremost is shelter. Second, it’s a long-term investment that slowly builds the greatest amount of wealth for most families. It’s good that we’re getting beyond the tendency of some buyers to view housing as a temporary asset to accumulate short-term wealth, which is not to be expected in a normal market.”

Housing Projections
NAR expects the following in home sales this year:
* Existing home sales are likely to total 6.29 million this year and 6.49 million in 2008, compared with 6.48 million last year.
* New-home sales are projected at 864,000 in 2007 and 936,000 next year, lower than the 1.5 million in 2006.
* Housing starts should total 1.46 million units this year and 1.52 million in 2008, down from 1.80 million last year.

      “If it weren’t for a favorable economic backdrop, housing would probably have a hard landing,” Yun says. “As it is, we see this as a soft landing with home sales rising gradually in the second half of the year and prices recovering a bit later.”
      The 30-year fixed-rate mortgage should rise slowly to 6.5 percent by the fourth quarter, NAR predicts. Last week, Freddie Mac reported the 30-year rate was 6.16 percent.
      The national median existing-home price is forecast to slip 1 percent to $219,800 this year, and then rise 1.4 percent in 2008. The median new-home price is expected to be essentially unchanged at $246,400 in 2007, and then rise 2.2 percent next year.
      The unemployment rate will probably average 4.6 percent this year, unchanged from 2006. Inflation, as measured by the Consumer Price Index, is estimated to decline to 2.5 percent in 2007, down from 3.2 percent last year. Inflation-adjusted disposable personal income should rise 2.6 percent in 2007, the same as
last year.

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Susan Epps Receives Cuda Award
(05-06-07) 

      Brad was the son of REALTORS® Dan and Jeanne Cuda. He had one older sister, Dawn, and an older brother, Jason. He was seven years old, a 2nd grader at Prescott Elementary School and a Tiger Scout.
     Those who knew Brad remember him as a young gentleman who seemed to bring out the best in people.
     Brad was the victim of a car-pedestrian accident while walking home from school on March 28, 1985.
     Following Brad’s death, the REALTORS® Association of Lincoln established the Bradley L. Cuda Memorial Award. The award is presented annually to recognize those individuals or organizations who have made a significant contribution to child safety within Lancaster County.
     Randall Jones, American Red Cross-Lancaster County Chapter Executive Director, nominated Susan Epps for the 2007 Cuda Award because of her work as Co-Chair of the Lincoln-Lancaster County Safe Kids Coalition. The coalition is made up of many organizations, city departments and private companies who work together to reduce injuries of young people in the community.
     “While it takes many people to successfully accomplish the mission of the Safe Kids Coalition, it takes strong leadership to make this happen. Susan Epps is just such a leader,” Jones says.
Last year, the Lincoln-Lancaster County Safe Kids Coalition was selected as one of the top four Safe Kids Coalition in the country. In 2005, Lincoln-Lancaster County Safe Kids Coalition was honored with the Outstanding Safe Kids Week Program Award at the National Safe Kids Conference in Washington, D.C
     The coalition addresses leading causes of childhood injury in the areas of bicycle safety, child passenger safety, fire and burn prevention, home safety, sports injury prevention and water safety.
Example of these efforts include: distributing bike helmets, bike rodeos, car seat checks, safety presentations at schools, Walk to School Day, Ultimate Safe Kids Day, media outreach, prizes given to kids wearing life jackets, and many more activities too numerous to list.
     “Susan is truly passionate about her volunteer work to ensure the children of Lincoln and Lancaster County have every opportunity to live lives free of suffering resulting from accidental injury,” says Brian Baker, Lincoln-Lancaster County Health Department and Co-Chair of the Lincoln-Lancaster County Safe Kids Coalition.
     Thank you, Susan Epps, from the Cuda Family and the REALTORS® Association of Lincoln, for all your hard work and dedication to help keep children in Lincoln and Lancaster County safe.


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Fair Housing Affects All of Us
(04-15-07) 

      As we celebrate the 39th Anniversary of the Fair Housing Law, the REALTORS® Association of Lincoln and The Lincoln Commission on Human Rights believe it is important to acknowledge its importance as a significant piece of legislation that guaranteed the right of all to live in neighborhoods of their choice without regard to race, color, sex, national origin, disability, family status or religion.

     For the 5th consecutive year, the REALTORS® Association of Lincoln is a sponsor of the