Can Your Clients Still Buy or Sell If They Can’t Get Insurance?

Insurance availability is threatening deals all across California. Homes are falling out of escrow. Buyers are walking. Sellers are stuck.

 PSAR’s Government Affairs Committee has scheduled a high-impact panel discussion on the ongoing insurance crisis and its effect on real estate transactions. Out of this session will come the knowledge needed to guide clients past roadblocks and on to closed deals—even in high-risk areas!

This session will answer questions like:

• What to know about defensible space?
• How state legislators plan to address the growing insurance crisis?
• What happens when a buyer can’t get insurance?
• How do rising premiums impact loan approvals?
• What solutions are available when insurance is denied?

Get the answers you need from the following experts:

• Sharon Smith, California Department of Insurance
• Robert Johnson, CAL FIRE
• Maureen Moran, Maureen Moran Insurance & Real Estate
• Steve Hovland, Allstate Insurance
• Chris Jonsmyr, Office of Assemblymember David Alvarez, California State Assembly,  Committee on Insurance

Register now to attend this session covering one of the hottest topics in real estate!

Wednesday | May 21st
12:00 pm: Lunch
1:00 pm to 3:00 pm: Forum
PSAR El Cajon Service Center
1150 Broadway, El Cajon, CA 92021

😁 Event & Lunch Sponsors

Discover the secrets to investing in Italian property - the purchase can be as low as €1 euro!

Dreaming of owning a home in Italy—or helping others do the same? Find out how at the Global Real Estate Council (GREC) event Pizza with a Side of Property, where real estate meets Italian charm (and yes, there will be pizza and ice cream too!)

Featured speaker, Trish Nunez, will guide REALTORS® through the exciting opportunity of buying property in Italy, including towns offering homes for as little as €1 euro. 

What You’ll Learn:

• The legal and financial steps to buying property in Italy
• How the €1 property program works (and what’s required)
• Tips for identifying viable investments and avoiding common pitfalls

Whether searching for a vacation home, a long-term investment, or simply chasing la dolce vita, this session will equip attendees with the knowledge to invest in Italy confidently.

Enjoy pizza and ice cream while networking with fellow REALTORS®!

Register now - Ciao! 

Meet the speaker:

Trish Nunez is a dedicated and experienced REALTOR® who has been active in the real estate industry since 2004. At PSAR, she is a well-respected member known for her professionalism, strong referral-based business, and commitment to excellence. Based in Ocean Beach, San Diego, she has owned and operated Mission Real Estate Inc. since 2010, serving clients with expertise in listings, property management, and international real estate. As a certified international property specialist and multilingual agent, Trish brings valuable global connections and cultural insight to the PSAR community. Her work reflects a deep commitment to both her clients and her local community.

ANNUAL SPONSORS: __________________________________

Brought to you by: 
 

Backcountry real estate transactions present unique challenges around fire safety regulations, insurance, and sales disclosures.

Learn the latest fire hardening tips and important county regulations from experts. This class gives you the tools and up-to-date information needed to support buyers and sellers in high fire-risk areas.

Essential Information covered in this session:

• The latest Zone Zero regulations and how they affect listings
• AB 38 requirements and how to navigate the FHDS form
• Critical insurance updates for fire-prone properties
• How DIC policies work with the CA Fair Plan
• Brief updates from the City of Santee that impact local sales

Featured Speakers:
🔥 Fire Chief Bernard Molloy, Murrieta Fire and Rescue
🔥 Fire Marshal Ken King, Heartland Fire and Rescue
📄 Chuck Piro, Consultant, MyNHD

Stay cool under fire - learn from the experts!

Meet the speakers:

_______________________________________

PSAR's mission is to empower real estate professionals.

Take a break from a busy schedule and join an evening of relaxation, mindfulness, and connection at YPN’s Yoga & Wine Retreat!  Whether a seasoned yogi or a complete beginner, this event is the perfect way to refresh mind and body while enjoying great company.

What to Expect:

• A rejuvenating yoga session suitable for all levels
• Mindful moments with affirmations, meditation, and mindset tips
• A chance to relax and socialize with fellow attendees
• Wine and lite bites included! 

What to Expect:

To fully enjoy the experience, please bring a yoga mat, towel, and comfortable clothing.

Limited Spots Available!

This event is open to all ages and yoga levels, but only 35 spots are available, so be sure to secure a spot soon! 

 Questions?  Contact ypn@psar.org or call (619) 421-7811. 

Answer your clients’ most pressing questions on taxation with confidence!

Do you know how supplemental taxes impact your clients after a property sale? Knowledge of this financially impactful subject enables a REALTOR® stand out.

Join Mike Shenkman for an exclusive supplemental tax class and gain the know-how to confidently counsel clients!

What You’ll Learn:

• The history of property taxation at the federal and state levels 

• The basics of supplemental taxes and their importance

•  The key features of  Proposition 13 and Proposition 19

• Tax change triggers like ownership transfer and new home construction.

• Supplemental taxation, its use as an application, and client talking points

Register today!

Important Note: REALTORS® are not tax advisors. Avoid giving specific tax guidance and always recommend clients consult a qualified tax professional. Supplemental tax bills can be confusing, and it’s best to refer clients to experts for advice.

Get the knowledge you need to answer questions confidently—without becoming the source of tax advice.

Testimonials from Mike's Past Classes:

 "This was the first time I heard this speaker. He was very knowledgeable on the subject and provided valuable insights on how agents can improve in the future. As a broker, I appreciated hearing these suggestions. It was an excellent learning tool, and I valued his teaching style, which kept us informed throughout the entire class."
- Mayra Swanson, Chula Vista Broker

"Mike is a very engaging and informative personality who makes the class interesting." 
- Gio Alegrado, San Diego Agent

"Mike is straight to the point, keeps it moving, keeps it interesting, time does go by quickly, and yet I feel as though I learned and reinforced my understanding of the new rules. GREAT TEACHER."

About the Instructor:

A Southern California native, Mike Shenkman boasts a distinguished career spanning over two decades in the real estate industry. His extensive experience includes roles in training, development, and management in some of Southern California's leading real estate firms. Beyond his expertise in sales and management, Mike's background encompasses affordable housing, community development, property management, redevelopment, and mortgage finance.

Mike is actively involved in the San Diego real estate community and frequently instructs agents at various career stages. He co-hosted the “First Home California” podcast for the California Department of Real Estate (DRE) in 2023, serves as a transportation policy liaison for the California chapter of the American Planning Association (APACA), and has contributed to real estate legislative policy for both the city & county of San Diego and the state of California. His professional designations include Accredited Buyer Representative (ABR), Short Sale & Foreclosure Resource (SFR), Property Management Certification (PMC), Certified International Property Specialist (CIPS), and Military Relocation Professional (MRP).

PSAR's Mission is to empower Real Estate Professionals

Since 1928, the Pacific Southwest Association of REALTORS® has played a significant role in shaping the history, growth and development of the Real Estate industry in San Diego County.

Top REALTORS® Reveal Their Lead Generation Secrets!

Curious how San Diego’s top-performing agents generate and convert so many leads? This PSAR exclusive event features David Fletes, Sarah Heck, and Melissa Sofia, all highly successful REALTORS® who will divulge their winning tactics.  PSAR 2026 President-Elect Claudia Zake will facilitate the upcoming session, bringing her leadership and insight to the discussion.

Get answers to game-changing questions like:

• What are the must-know lead generation strategies for today’s market?
• How to qualify and follow up with leads more effectively?
• What habits separate top agents from the also-rans?

Seats will fill up fast, so register now!

Meet the Panel

Melissa Sofia is a powerhouse real estate broker, proud Filipino American, and founder of The Avenue Home Collective in San Diego. Her team consistently ranks in Realtrends’ Top 1.5% in the U.S., selling over $250 million in homes annually. Recently named San Diego's Real Producers Broker of the Year, Melissa is a dynamic speaker at national conferences such as Inman Connect and FUBCON. She is also an advocate for the AAPI community, serving as the 2022 President of the Asian Real Estate Association of America San Diego and AREAA National Policy Committee Chair for 2026. As a dedicated mother of four, Melissa inspires others by proving that success in real estate and family life is limitless.

Sarah Heck is a seasoned REALTOR® with more than 20 years of experience in the San Diego County real estate market. She is a former Chair of Your Professionals Network (YPN) and a Past President of PSAR. Sarah is known for her integrity, market knowledge, and commitment to client success. She specializes in guiding clients through changing market conditions while delivering service tailored to their goals. Active in the community, she supports housing advocacy and homelessness prevention efforts. Her dedication to professionalism and transparency has earned her a loyal base of clients and consistent referrals.

David Fletes is a top-performing REALTOR® with over 17 years of experience in the San Diego real estate market. Since earning his license in 2007, he has consistently ranked in the top 1% of REALTORS® in the region. As founder of the David Fletes Team, he is known for delivering exceptional service and creating a “wow” experience for clients. David is a creative marketer who consistently develops new strategies to generate business and stay ahead in a competitive market. He currently serves as Chair of PSAR’s South Government Affairs Committee and is a C.A.R. Key Contact for Assemblymember David Alvarez. A frequent speaker at industry events, David is recognized for his commitment to excellence and leadership in the real estate community.

EVENT SPONSORS

Danielle Wolter

Sean Simon

_____________________________________________

PSAR's mission is to empower real estate professionals.

Since 1928, the Pacific Southwest Association of REALTORS® has played a significant role in shaping the history, growth & development of the Real Estate industry in San Diego County.

Help first-time home buyers realize their dream!

Working with first-time buyers who need down payment solutions? Multiple affordable housing program options can be leveraged. 

Natasha Dowdy, Program Analyst at CalHFA, will provide guidance and information on  how to make homeownership more accessible.

Key Topics:

• MyHome Assistance Program: Deferred junior loans for down payments and closing costs on FHA and Conventional Loans.
• CalPLUS Access Program: A first mortgage paired with mandatory down payment and closing cost assistance for buyers with limited upfront funds.
• New Program Benefits: Lower rates and more options.

 

Thursday, April 10th
11:00 AM to 12:00 PM
Live Zoom Webinar

For over 45 years, the California Housing Finance Agency (CalHFA) has been a trusted partner in supporting low- and moderate-income homebuyers and renters. As a self-supported state agency, CalHFA provides financing and programs focused on increasing equity and access to affordable housing.

Meet the speaker:

Class sponsored by:

__________________________________________

PSAR's mission is to empower real estate professionals.

Since 1928, the Pacific Southwest Association of REALTORS® has played a significant role in shaping the history, growth & development of the Real Estate industry in San Diego County.

Expert-Led Educational Sessions
Networking
Exhibitor displays featuring tools and resources 
A chance to win multiple prizes!

Special $ 15.00 Discount for PSAR Members!

Use promo code PSAR@EXPO for $15.00 off your registration.

PROFESSIONAL PANEL

State of the Apartment Industry Joshua Ohl, CoStar Group	Legislative Update Molly Kirkland, SCRHA
Shopping and Improving Your Properties Lindsay Martinez, Tourus	Shopping and Improving Your Properties Ronald Harrington, 29th Street Living

KEYNOTE SPEAKER

Leveraging AI in Property Management Kent Langley

Contact Information: Website: www.socalrha.org | Phone: 858.278.8070

______________________________________

PSAR's Mission is to empower Real Estate Professionals.

Don’t be fooled this April 1st - join your real estate colleagues for TACOS and a clear breakdown of the local housing market by Jordan Levine.

Questions?  Contact education@psar.org or call (619) 421-7811.

_______________________________________

Tell your clients To Bring their Shredding & ELECTRONIC Recycling to PSAR for FREE!

Get rid of those old electronics and shred those documents

Wednesday | April 23rd, 2025

11:00 AM to 2:00 PM

FREE and open to PSAR members and their clients

Bring your shredding and electronic recycling to:
PSAR South Center Parking Lot
880 Canarios Court, Chula Vista 91910

ACCEPTED SHREDDING - 10 FILE/LEDGER BOXES MAXIMUM
(per company or business)*

All Paper • File Folders • Hanging Files • Checkbooks • Magazines • Notepads • Envelopes

*For larger shredding needs, ProShred will offer a discount rate at the Convoy location on the event day.
Arrangements must be made in advance. There will be no exceptions at the event.

ACCEPTED ELECTRONICS

Thank you to our April Shredding Sponsors

Bob Hillard

Stephanie Nogalez	Marco Calderon	Danielle Wolter
Raul de la Vega	Mona Cimental	Raymundo Gill

_____________________

PSAR's mission is to empower real estate professionals.

Since 1928, the Pacific Southwest Association of REALTORS® has played a significant role in shaping the history, growth & development of the Real Estate industry in San Diego County.