The Issue

Homeowners' insurance costs in California are climbing. In San Diego, many buyers are seeing double-digit renewal increases. For first-time buyers, these added costs can derail closings or, at a minimum, strain budgets. The impact is particularly acute for local education employees, whose salaries often lag the region’s cost of living.

FAQ at the bottom of this page.

More Information

REALTORS® For questions, visit www.psar.org/grants or email grants@psar.org.
Media inquiries: ceo@psar.org (copy support@psar.org)

Buyers, please ask your REALTOR®

The Paragon Connect app is now available for all CRMLS users.

Here’s a quick guide to help you get started. 
First, download the Paragon Connect app via the App Store or Google Play.

From there, you will be prompted to select your organization. Select California Regional MLS, then click the Get Started button. You’ll then be redirected to the REcore login page, where you can enter your MLS credentials. Click Login to continue.

The Home Page
Once you’ve signed in, you’ll have access to Paragon Connect’s full capabilities and features. From the home page, you gain immediate access to the Power Search. This enables quick and easy searching, as well as a summary of any buyer activity.

To access all other Paragon Connect features, click on the hamburger menu in the top left corner to open the quick menu.

From there, you’ll see all the same features available on the desktop version of Paragon Connect. If applicable, click Paragon Professional to open the full Paragon Professional site in your mobile browser.

Here is an intro to the Paragon Connect App

Other new features in Paragon Connect...

Customized Search Criteria with RUG (Room, Unit, Green) Fields

You can now leverage the new RUG (Room, Unit, Green) fields in Paragon Connect to refine your property searches by room features, unit types, and green attributes. To activate these search options, navigate to Systems Search and select the gear icon. On the Customize Fields page, scroll to locate and enable the toggles for Room, Unit, and Green Search categories. Be sure to click Save in the top-right corner to apply your changes.

Listing Tools Widgets

Add the new Listing Tools widget to your Paragon Connect Inventory Dashboard to quickly access third-party applications. Start by clicking the Customize Dashboard button, then select Add Widget. On the next page, click the Add Widget button again and save your changes to see it on your dashboard.

Read Paragon's Knowledgebase article for a full list of recent updates

CRMLS offers a variety of resources to educate you on our products and services. Click above to visit the CRMLS training center.

If you need MLS support, please click above or call (800) 925-1525

Your listing data is safe, clean, and accurate. Click above to chat live with a CRMLS Compliance representative.

Read Paragon's Knowledgebase article for a full list of updates.

The San Diego County Local Area Disclosures (LADs) are a key resource in every transaction. They help protect REALTORS®, buyers, and sellers by flagging local conditions that could affect property value or livability. The 2025 update introduces significant changes that every real estate professional should understand.

Here are the biggest revisions you’ll notice compared to the older version.

Expanded County-Wide Issues

The 2025 LADs go further in outlining risks and obligations across San Diego County. New topics include:

• Zoning changes and community plan amendments – Highlights how general plans, rezonings, and voter initiatives can reshape land use around a property.

• Insurance considerations – Warns about California’s shifting homeowner’s insurance market and the need for buyers to research availability and costs.

• Private septic systems – Clarifies risks, maintenance obligations, and inspection needs for rural properties not connected to sewer systems.

• Cell towers and coverage gaps – Adds disclosures on hidden or disguised towers and their potential impact.

• Accessory Dwelling Units (ADUs) – Explains how ADUs on a property or neighboring lots may affect density, views, and parking.

• Unpermitted work – Calls out the risks of additions or modifications made without permits.

• Quarry operations – Stronger language on noise, blasting, and environmental impacts from long-term quarry projects.

Stronger Environmental Disclosures

Beyond earthquakes and flooding, the 2025 version now addresses:

• Wildfire hazard zones and defensible space – Buyers must be aware of vegetation clearance requirements and the impact on insurance.

• Tourist activity and short-term rentals – Adds detail about how Airbnb, VRBO, and other rentals affect neighborhoods.

• De Anza Natural Project – A new disclosure on Mission Bay redevelopment balancing recreation with habitat restoration.

• Battery storage facilities – Notes expansion of SDG&E’s energy storage systems and safety concerns.

Regional Updates That Matter

The regional sections have been modernized with new details:

• Central San Diego – Adds the Rose Canyon Fault Zone and new “City of Villages” mobility and land-use initiatives.

• South County – Expands coverage of border-related environmental concerns and emphasizes cross-border pollution issues.

• North and Inland – Adds disclosure on outdoor lighting ordinances in dark-sky communities like Julian and Borrego Springs.

• Coastal areas – Expands detail on Coastal Commission oversight, sea-level rise, and Coronado’s unique mix of military activity, zoning restrictions, and tourism.

Why This Matters for REALTORS®

These changes make the 2025 LADs more comprehensive, more protective, and more relevant to today’s market realities. Using the updated disclosures:

• Shields REALTORS® from liability by giving clients stronger warnings.

• Helps buyers make fully informed decisions.

• Improves trust in transactions by setting clear expectations.

Bottom Line: The 2025 San Diego County LADs are not just an update—they’re a major improvement. REALTORS® should use the new version in every transaction and highlight these changes with clients to reinforce professionalism and compliance.

The California Department of Real Estate (DRE) has released its Summer 2025 Bulletin, and it’s packed with updates that every REALTOR® should see firsthand. If you think you can skip it, here are five reasons why opening the Bulletin is worth your time.

1. Mentorship Opportunities That Build Careers

The Bulletin highlights how mentorship is changing the way new agents enter the business. Want to know how a Sacramento mentorship program helps students close their first deal within months? The details are in the Bulletin.

2. Compliance Citations You Can’t Afford to Ignore

Minor mistakes—like a missing license disclosure or failing to report an address change—can now lead to fines of up to $2,500. The Bulletin explains exactly what triggers a citation and how to avoid one.

3. Trust Fund Account Rules Clarified

Who can sign on a trust account? Can property owners be added? The Bulletin clears up common misunderstandings that could expose brokers to liability.

4. Mortgage Loan Reporting Deadlines

If you handle mortgage loans, the DRE has new reminders on how and when to file your Business Activity Report. The Bulletin also explains how to troubleshoot filing issues.

5. A New Voice in Enforcement

Meet Shannan West, the new Assistant Commissioner for Enforcement. She lays out her vision for compliance and what REALTORS® can expect moving forward.

Why You Should Read the Full Bulletin

This blog only scratches the surface. The full Summer 2025 DRE Bulletin includes compliance guidance, reminders, and updates directly from the Commissioner’s desk. Reading it now could help you:

• Avoid costly fines and violations

• Protect your license and your business

• Stay ahead of industry changes that affect REALTORS® every day

Read the full Summer 2025 DRE Bulletin here.

Don’t wait until a citation or compliance issue forces you to catch up. Stay informed, stay compliant, and stay ahead by reading the Bulletin today.

TODAY: A Powerful New Productivity Tool for All CRMLS Agents (FREE for Subscribers!)

By popular demand, Rayse, the leading app for tracking all the value you bring to your clients’ real estate journeys, is now available for all CRMLS users to use at no additional cost.

Providing your clients with a comprehensive overview of everything you do for them, big or small, is an effective way to communicate the diverse value you deliver. From the initial meeting all the way through close, every action taken is logged in real time, Rayse generates agendas, timelines, and records to demystify the representation process, driving a new, more transparent level of client relations.

And that’s just the tip of the Rayse iceberg!  It also has tools for creating presentations, collaboration, and more.

Access Rayse via your REcore dashboard.

How to access Rayse:

* Free for PSAR subscribers of CRMLS

Delivering real value to clients is more important than ever. RealReports is an AI-powered property insights tool that helps agents save time, reduce risk, and present themselves as knowledgeable professionals. Now available at no cost through your CRMLS REcore dashboard, this tool gives agents a competitive edge - starting today.

Often called the “Carfax for homes,” RealReports pulls together zoning, permits, hazards, climate risks, school data, and more into one easy-to-share report. It also supports document analysis, lead generation, and even answers client questions using a built-in AI co-pilot named Aiden.

Why Use RealReports?

• Fast, accurate property insights in seconds

• Stronger buyer and seller presentations

• Smarter offer strategies with less manual research

• Branded, client-friendly reports that set you apart

• Built-in lead capture and follow-up tools

“When your client can ask an AI about wildfire risk or school ratings while standing in the kitchen at a showing—and it’s your branding on the screen—that creates trust.”
— RealReports User

For Buyer Agents: Save Time and Build Trust

Before Showings
Skip wasted tours. Run a Snapshot or Buyer Report to flag flood zones, permit issues, or climate risks before you leave the office.

During Tours
Access more property data than the MLS provides—plus tools to guide your client’s decision-making in real time.

When Writing Offers
Eliminate hours of due diligence. RealReports puts ownership history, zoning info, insurance flags, and inspection risk indicators in one place—supporting stronger offers and fewer surprises.

Relocation Clients
Use RealReports to introduce out-of-area buyers to neighborhoods with interactive data on schools, crime, and local trends.

For Listing Agents: Win More Listings and Engage More Buyers

Listing Presentations
Bring a Seller Report to your first appointment. Show potential clients that you use premium tools and deliver maximum exposure.

Marketing & Open Houses
Use QR codes from the Seller Report on signs, flyers, or social media. Let buyers explore details via AI—and capture lead data automatically.

Client Retention
Stay in touch with past clients. Send a fresh report every year to show how their property value or local risks may have changed.

Lead Farming
Use Snapshot Reports to re-engage CRM leads with personalized info. Every view is tracked. Every question they ask Aiden is saved.

Powered by Real Data, Backed by PSAR

This tool is made available through Pacific Southwest Association of REALTORS® (PSAR) at no cost to members. It reflects PSAR’s commitment to helping agents grow their business, improve client service, and stay ahead in a changing industry.

“RealReports empowers agents with fast, reliable property insights that help them stand out in today’s market. PSAR added this tool to give members an edge with accurate data and AI-powered support.”
— Rich D’Ascoli, CEO, PSAR

How to Get Started

1. Log in to your PSAR/CRMLS Dashboard (REcenterhub)

2. Click the red “+” icon and add RealReports (or follow this 20 sec. video) 

3. Find RealReports tile and pull your first report in seconds

📺 Watch a Quick Demo of RealReports:
https://www.youtube.com/watch?v=hEVJ1tuX0Nw

🎓 Full Tutorial Hub:
https://realreports.notion.site/RealReports-Education-Hub-c80efead519340a188873a58e3a6b0f0

This tool helps you work smarter, build trust faster, and show your value clearly. Use it before showings, at open houses, in buyer consults, or as part of your listing pitch. The more you use it, the more clients will see the difference.

Need help? PSAR staff can walk you through setup or usage—reach out anytime.

The California Department of Real Estate (DRE) and the Department of Financial Protection & Innovation (DFPI) just issued a joint bulletin warning real estate brokers and escrow companies about improper commission disbursements.

What’s the Issue?
Some brokers are asking escrow companies to pay their personal or business expenses directly out of their commissions. These payments have included credit card bills, tuition, rent, utilities, and even entertainment costs.

Why It’s a Problem
Escrow companies are only allowed to follow written instructions from the principals to the transaction—the buyer and seller. Brokers are not principals in an escrow. Sending commission funds to third parties (even with a CDA) may violate the Real Estate Law, Escrow Law, and federal RESPA rules.

What Brokers Need to Know

• Commission payments should go directly to the broker.

• Brokers must not direct payments to unlicensed individuals or businesses.

• Escrow agents cannot change instructions or include blanks in signed escrow documents.

• Broker-controlled escrows must follow the same rules—trust funds must only be disbursed as directed by the party who deposited them.

What Happens if the Rules Are Broken?
The DRE and DFPI say they will investigate violations and referral fee arrangements that may be unlawful.

To stay compliant and protect your license, ensure that all commission payments follow written instructions from the principals and go to you, not outside vendors or individuals.

Read the Full Bulletin Here

2026 President-Elect
Jim O'Donnell

2026 Secretary / Treasurer
Michael Dullea

The Election Winners for the 2026/2027 Director Term

Jaimie Kurtz	Alma Coogan	Monica Greenwood
Jim Long	Mike Shenkman

The 2025 Board of Directors and Officers will remain and serve PSAR until December 31st, 2025.

Your Board of Directors Team for 2026

Claudia Zaker, 2026 President

Jim O'Donnell, 2026 President-Elect

Michael Dullea, 2026 Secretary-Treasurer

Yvonne Cromer, Immediate Past President

Mike Anderson, 2025/2026 Director

Robert Cromer, 2025/2026 Director

David Fletes, 2025/2026 Director

Valerie Gardner, 2025/2026 Director

Oscar Vega, 2025/2026 Director

Jamie Kurtz, 2026/2027 Director

Alma Coogan, 2026/2027 Director

Monica Greenwood, 2026/2027 Director

Jim Long, 2026/2027 Director

Mike Shenkman, 2026/2027 Director

Phana Par, 2025/2026 Affiliate Director

________________________________________________

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.

Thank you to those who were nominated to lead PSAR. Great things are expected from the elected candidates and those serving on PSAR's committee leadership roster.

PSAR proudly sent a strong delegation to Washington, D.C. for the 2025 REALTORS® Legislative Meetings. Representing over 3,500 members, PSAR had two official NAR Directors-Nikki Coppa and Max Zaker-on hand to vote, deliberate, and advocate on behalf of REALTORS® nationwide.

Joining them were PSAR CEO Richard D’Ascoli, Bob Olivieri (Key Contact for Congressmember Juan Vargas), Minnie Rzeslawski (Key Contact for Congressmember Sara Jacobs), 2025 President Yvonne Cromer, and 2025 President-Elect Claudia Zaker. Together, they met with legislators and their staff to advocate for federal action on the most pressing issues affecting housing and real estate professionals.

2025 Legislative Priorities:
The PSAR team spoke directly to members of Congress about these four key issues:

• Housing Affordability and Supply - Urging support for bills like the More Homes on the Market Act and the Housing Supply and Affordability Act to increase inventory and affordability.
• Independent Contractor Status - Advocating for H.R. 3495 to protect REALTORS®’ ability to operate as independent contractors.
• Insurance Access and Affordability - Supporting legislation like H.R. 1105 to reduce insurance costs through mitigation incentives and tax credits.
• The Future of Fannie Mae and Freddie Mac - Calling for responsible reform that preserves access to the 30-year fixed-rate mortgage with a government backstop.

(Read more: A summary of the 2025 Legislative Priorities is attached.)

NAR Board of Directors Meeting Highlights:
NAR Directors passed a number of key policy changes, including:

• Revised Code of Ethics Standard 10-5: Clarified language prohibiting harassment based on protected classes. This update underscores the REALTOR® commitment to professionalism and inclusion.
• Policy Statement 29: Updated to help local and state associations fairly enforce the Code of Ethics.
• Repeal of “No Commingling” MLS Rule: The optional rule requiring separation of MLS and non-MLS listings was removed due to declining relevance.
• Balanced Budget Approved: A $270.8 million budget for 2026 was adopted with no dues increase. Most of the consumer ad campaign funds will be redirected to core operations, helping maintain financial stability during ongoing legal settlements.
• Strategic Direction: NAR CEO Nykia Wright outlined nine new initiatives based on extensive member feedback, including modernized education, relationship management, and business tools.

Other Updates:

• Distinguished Service Award Winners: James P. Cormier and Brooke S. Hunt were honored for decades of outstanding service.
• Magel Award Winner: Anne Marie DeCatsye was recognized for excellence as a REALTOR® association executive.
• REALTORS® Relief Foundation raised over $41,000 during the meetings to support disaster victims.

Kenny Patrick has spent most of their life in San Diego and can't imagine living and thriving anywhere else. Driven by a deep-rooted sense of community, Kenny engages in various ways to give back. Connection to community, paired with a commitment to service, has earned Kenny the right to be known as a standout Good Neighbor Award finalist for the first quarter of 2025. Kenny’s involvement knows few bounds and stretches across organizations and neighborhoods, always striving to make life better for others.

When the Youth Assistance Coalition was launched (YACSD.org is an organization supporting homeless youth in San Diego), Kenny was among the first to step in. Through volunteering, donating personally, and procuring outside donations, Kenny helped extend vital services to an underserved and vulnerable population. In the iconic Normal Heights neighborhood (where Kenny lives), you'll find Kenny being of service as a board member on the Normal Heights Community Planning Group, working to ensure that local voices are represented. This commitment evolved into the role of Chairperson of the (not yet open) Normal Heights Community Garden. You'll often find Kenny walking door-to-door, sharing important community information with residents who can’t always attend meetings. Kenny is also a board member with a preschool called Includ(Ed) - serving non-neurotypical and neurotypical children. Growing IncludEdSD.org into a self-sustaining preschool is one of the most rewarding and challenging things Kenny will ever do.

Kenny Patrick is more than a neighbor - you'll experience Kenny as a connector, an advocate, and a steady presence in civic spaces that shape the future of San Diego communities. Employing thoughtful local leadership skills ensures that diverse perspectives are placed squarely in front of elected San Diego officials. Vulnerable community members of San Diego will always have a voice because of Kenny and many others with similar passions for civic equity. By modeling inclusive, proactive involvement, Kenny reminds us that being a good neighbor means showing up, speaking out, and helping everyone feel like they belong.

Learn more about the PSAR Good Neighbor Award and submit nominations HERE