Fair Housing 2021

Posted by Richard D'Ascoli on Aug 4, 2021 1:30:00 PM

New Fair Housing Rsources

Diversity is a core value of PSAR.  Realtors are the stewards of the right to own, use and transfer private property, and fair housing protects buyers, sellers, landlords and tenants.  Our livelihood as REALTORS® is dependent on fair housing laws.

Resources, Training & Updates

This post was originally posted in January 2020, it has been updated a couple of times.  It was last updated on August 4th to add NAR resources, book links, and interesting research compiled by the Non-Profit Local Initiatives Support Corporation (LISC) about Redlining in San Diego County.

NY Newsday ran an investigative story in 2019 called LI Divided. The story made clear that in order to pursue the goals of the Fair Housing Act, we need to make sure that real estate agents are accountable, that we continue to improve the real estate culture and that we provide solid training.

NAR launched Fairhaven, a fair housing simulation training for REALTORS® that uses the power of storytelling and game-play to help members identify, address and prevent discriminatory practices in real estate. Inspired by real stories, this innovative online experience has agents work against the clock to sell homes in the fictional town of Fairhaven, while confronting discrimination in the homebuying process. Learners will also walk in the shoes of a homebuyer facing discrimination. The training provides customized feedback that learners can apply to daily business interactions.

PSAR's Board of Directors encourages all Realtors to enhance awareness of fair housing practices via this no-cost program. Be an advocate for fair housing and the future of our industry. Commit to combating discrimination in real estate. You can learn more about Fairhaven by viewing the promotional Video at the link shown below.


Get started NOW by visiting https://fairhaven.realtor/ to explore the fictional town of Fairhaven and assess how well you are adhering to fair housing principles.

Hate Speech: In 2020 REALTORS implemented rule changes to ensure that the REALTOR® Code of Ethics extends beyond real estate-related activities. It is now a violation for REALTORS® to use harassing or hate speech toward any of the protected classes under Article 10 of NAR's Code of Ethics. Those protected classes are defined by race, color, religion, sex, handicap, familial status, national origin, sexual orientation, and/or gender identity. Violators may be disciplined by punishment up to and including removal from the Association. . Read more here.

REALTOR Resources:

Other San Diego County Resources:

Join the discussions.

The Deliberately Fair Housing (DFH) Facebook Group is a private group open for interested professionals.  It is a great place to find more current resources and updates.  This group hosts monthly discussions online and also has a book club discussion group facilitated by Realtor Tim Ambrose and PSAR CEO Richard D'Ascoli. 

PSAR also purchased copies of the book The Color of Law by Richard Rothstein.  The Association is giving the book to members and civic leaders willing to participate in Reading Circles to discuss the book.  Please contact support@psar.org for more information about obtaining a copy and joining a reading Circle.

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PSAR's mission is to empower Realtors.

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. 

Topics: Education, Brokers/Managers, Leadership, Government Affairs, Market Information, Industry

Breaking News: SCOTUS Upholds Property Rights

Posted by Communications on Jun 30, 2021 3:31:25 PM

supreme court house

High Court Says CDC Lacks Authority         Breaking News - June 30, 2021

In a 5-4 ruling Tuesday evening, the U.S. Supreme Court said the Centers for Disease Control and Prevention (CDC) lacked authority to implement a blanket, nationwide eviction moratorium.

Although the court declined to lift the ban immediately, the ruling means the current moratorium will expire at the end of July.

“This is a massive victory for property rights,” says NAR President Charlie Oppler.  “For more than a year, mom-and-pop property owners have been pushed toward financial ruin as they upkeep their properties and pay their taxes and mortgages with no income of their own.  With the pandemic waning and the economy improving, it is time to restore the housing sector to its healthy, former function.  Property owners also deserved this absolute clarity from our federal court system regarding property rights in America to avoid similar financial harm in the future.”

“This ruling keeps in place certainty for tenants for another month while bringing clarity to struggling housing providers.  It is now critical that the nearly $50 billion in rental assistance NAR helped secure gets out to those who need it most,” Oppler continues.

The eviction ban was first issued in September 2020 during President Trump’s term and was extended by President Biden several times through the end of July.

With the support of NAR, the Georgia and Alabama Associations of REALTORS® challenged the orders in federal court.

In May, a U.S. federal judge sided with housing providers, ruling the moratorium unconstitutional.  However, the judge issued a stay of her ruling pending appeal.
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Topics: Announcements, Government Affairs, Industry

NAR SELECTS PSAR MEMBER JOSE PAYNE KING AS GLOBAL AMBASSADOR

Posted by PSAR Communication on May 21, 2021 8:30:00 AM

Jose Payne King FotoPSAR extends congratulations to PSAR member and broker Jose Payne King who is serving this year as a National Association of REALTORS® (NAR) 2021 Global Ambassador (GA) to the countries of Honduras, Nicaragua, Guatemala, El Salvador and Mexico.

Jose was appointed by NAR President Charlie Oppler to serve as a GA through the 2021 calendar year. He will serve as a liaison to maintain NAR relationships with foreign real estate associations and local associations, including PSAR.

The foreign real estate associations to whom Jose is serving as a NAR liaison include: Camara Salvadorense de Bienes Raices (CSBR) and El Salvador Chamber of Real Estate in El Salvador; Camara de Corredores de Bienes Raices de Guatemala (CCBRG) in Guatemala; Camara Nacional de Bienes Raices de Honduras in Honduras; Association Mexicana de Profesionales Immobiliarios (AMPI) in Mexico; Camara Nicaraguense de Corredores de Bienes Raices (CNCBR) in Nicaragua.

“I’m very glad for the opportunity to give back and help other real estate professionals in other countries,” said Jose, who also is a member of the PSAR Global Real Estate Council (he has served as co-chair of GREC). “I’m fortunate to be involved in outreach and extend my horizons. I’m passionate about working with the community and veterans. I have found that you learn in the process of teaching others.”

After serving in the U.S. Army, Jose’s varied career has ranged from education and training to environmental science, business, finance and real estate. He has worked as a health and safety inspector with the Florida Department of Health, commodity inspector with the U.S. Department of Agriculture, environmental planner with the U.S. Air Force and environmental engineering project manager with the U.S. Department of Defense.

He moved to San Diego in 1990, and began working in real estate sales in 1995. He was affiliated with several brokerages before founding his own brokerage called PK Realty in 2007. His clients have represented diverse backgrounds from both Mexico and the U.S. He has expertise in both in residential and commercial real estate.

“My goal is to provide my clients with excellent customer service and an experience that is enlightening, empowering, encouraging and definitely worth telling others about.”

Jose is also currently serving as commander of American Legion La Jolla Post No. 0275.

Jose is fluent in both English and Spanish and has remained an active learner in his career. He has attended El Paso Community College, Southern Illinois University, Central Michigan University, Azusa Pacific University and REALTOR®.University.   He is an alumni of Southern Illinois University and Columbia College. He also graduated with distinction from REALTOR®.University

Jose also has completed the Certified International Property Specialist (CIPS) Institute. The CIPS Institute, from NAR, provides REALTORS® with knowledge, tools and a worldwide network helping in serving international clients.

“It is an honor to serve as a GA and promote the REALTOR® brand through international REALTOR® membership, education, products and services,” said Jose. “NAR’s global mission statement is to render the global real estate markets accessible, profitable and ethical for REALTORS® to conduct business. To that end, Global Ambassadors work to help maintain NAR’s relationships with more than 100 real estate associations as bilateral partners in 85 countries around the world. We also help fellow NAR members understand business in the countries to which they are assigned.”

Jose encourages all PSAR members who may be interested in cross-border opportunities and who want to network with other international real estate practitioners to become involved with PSAR’s GREC.

PSAR’s GREC is dedicated to assist the needs of PSAR members who desire to expand their international outreach and help international capital investment clients to make informed transactions with effective counsel across multiple jurisdictions. The vision of the Council is to provide and facilitate educational opportunities to enable PSAR members to expand their practice and organize global-themed events. GREC can provide you with a platform to connect with individuals internationally. GREC offers PSAR members with the opportunity to learn and expand their niche market in real estate internationally.

Formed in 2013, PSAR’s GREC has hosted several educational events in recent years designed to assist PSAR members in helping international capital investment clients to make informed transactions with effective counsel across multiple jurisdictions. The training sessions have focused on cultural customs and diversity, as well as panel discussions and forums with international partners.

Topics: Announcements, Leadership, Government Affairs

PSAR Voter Guide - Endorsements for 2020 General Election

Posted by Kevin McElroy on Sep 30, 2020 7:30:00 AM

PSAR has endorsed the following candidates for the 2020 General Election

PSAR would like to remind you to please register and vote in this upcoming election.  PSAR is endorsing the candidates listed below and has taken positions on the ballot measures and propositions listed at the bottom.  The candidates below have demonstrated to PSAR their understanding of our industry and have indicated their commitment to home-ownership and housing.  PSAR's Government Affairs Committee also reviewed the ballot measures and propositions listed below and PSAR is taking the positions listed based on the impacts these items would have on our industry.   
 
In the midst of the current housing crisis, it is imperative that we elect leaders and enact policies that will protect and promote home-ownership.  Click on each candidate to find out how you can support them.

Sara Jacobs Juan Vargas Ben Hueso Joel Anderson Jerry Jones
John Minto Mike Diaz Steve Padilla Humbert Cabrera Phil Ortiz
Colin Parent Kristine Alessio Laura Lothian Ditas Yamane Joe Leventhal
Stephen Whitburn Will Moore Mara Elliot Armando Farias Laurie Humphrey
Adrian Arancibia David Johnston Mark Robak Mitch Thompson  

Measures and Propositions

Santee
Vote No on Measure N which would limit new housing and add to traffic.

City of San Diego
Vote Yes on Measure E which removes an overly burdensome height limit
in the Midway District.

California
Vote NO on the Prop 15 Property Tax Increase 
Vote NO on the Prop 21 More Rent Control 

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PSAR's Mission is to empower Realtors to flourish while being accountable to
each other, our clients, and our community.

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.

Topics: Announcements, Government Affairs

Governor Releases Industry Guidance on Real Estate Transactions

Posted by Richard D'Ascoli on May 7, 2020 6:57:26 PM

Today, May 7th, Governor Newsom released updated industry guidance to begin reopening with modifications that reduce risk and establish a safer environment for workers and customers. This guidance includes, among other things, information pertaining to real estate transactions.  Use these guidelines to responsibly plan and reopen for business.

The California Department of Real Estate advises all licensees to review the newly posted "COVID-19 Industry Guidance for Real Estate Transactions" and "COVID-19 General Checklist for Real Estate Transactions" found in the links below.

The Resilience Roadmap is a plan for modifying the statewide stay at home order to gradually reopen. When modifications are advanced and the state’s six indicators show we’ve made enough progress, we can move to the next stage of the roadmap. We are now moving into Stage 2, where some lower-risk workplaces can gradually open with adaptations.

This Guidance for Real Estate Document  provides guidance for businesses operating in the real estate industry including sales and rentals of single-family, multi-family, apartment, commercial, and industrial properties to support a safe, clean environment for workers.

For workplaces and showing property, it contains:
  • Specific plan
  • Physical distancing
  • Cleaning and disinfecting protocols for workplaces

It also has topics for employee training and individual control measures and screening, 

The COVID-19 General Checklist for Real Estate Transactions
This checklist is intended to help people involved in real estate transactions implement their plan to prevent the spread of COVID-19 in the workplace and is supplemental to the Guidance for Real Estate Transactions. This checklist is a summary and contains shorthand for some parts of the guidance; familiarize yourself with the guidance before using this checklist.

real estate industry guidance

Topics: Education, Brokers/Managers, Government Affairs, Industry

Red Alert AB 828

Posted by PSAR Communication on Apr 27, 2020 8:15:00 PM

 

 

C.A.R. RED ALERT

C.A.R. RED ALERT

OPPOSE AB 828 – UNCONSTITUTIONAL RENT REDUCTION BILL
CONTACT YOUR STATE SENATOR TODAY!

C.A.R. OPPOSES AB 828 (Ting), a bill that, among other things, effectively forces a 25 percent reduction in rents. C.A.R. opposes the bill because it is unconstitutional and provides no financial protection for mom-and-pop property owners who still must pay their mortgages and have a legal obligation to repair and maintain their properties.

ab 828

Background

In response to the COVID-19 crisis, the Judicial Council of California has halted all eviction lawsuits – otherwise known as “unlawful detainer” lawsuits – statewide. Additionally, Governor Newsom’s March 27th Executive Order, among other things, allows tenants to delay payment of rent due to the COVID-19 crisis. Lastly, many local governments have enacted ordinances that freeze rents and halt the issuance of eviction notices of any kind during the pandemic.

On top of these existing COVID-19 state and local tenant protections, AB 828 creates a court-ordered reduction of rent by 25% for 12 months for tenants who claim they cannot pay due to the COVID-19 crisis. There is no way for property owners to recoup this court-ordered lost rental amount, even though they are still legally obligated to continue paying their mortgage, taxes, and insurance and maintain and repair the property.

C.A.R. Opposes AB 828 Because:

It is unconstitutional. AB 828 FORCES courts to interfere with existing contracts in violation of both the California and U.S. Constitution. Not even a pandemic should undermine the California and U.S. Constitution.

It is unnecessary. The state and/or local governments have already acted to limit evictions and rent increases and impose temporary payment moratoria during this emergency, protecting tenants from uncertainty.

It does not require any real demonstration of hardship. AB 828 only calls for a tenant to show “increased costs for household necessities OR reduced household earnings” without establishing a reasonable threshold for the financial impact.  Furthermore, if the increased costs or reduced earnings happened during March 4, 2020 and March 4, 2021, the court must assume that was caused by the Covid-19 crisis; meaning, the tenant has no obligation to show the linkage in the change of circumstances to the Covid-19 crisis.

It places undue financial hardship on property owners without providing any assistance. Property owners are given no recourse to recoup this lost rental income, even though they are still legally obligated to continue paying their mortgage, taxes, and insurance and repair and maintain their properties. Legislators should keep in mind that many rental housing owners are retirees who count on rental income to cover the expenses associated with providing rental housing as well as their own personal income, which may already be limited due to existing emergency measures.

It discourages investment in the building of new housing. Adding more uncertainty to the rental housing market discourages builders from investing in the creation of desperately needed rental housing. That unmet need will NOT go away with this pandemic.

It creates additional costs for state and local governments when tax revenues will already be dramatically reduced. Courts, local housing authorities, and other agencies will either incur new costs or see reduced revenue if AB 828 is enacted.

For more information, please email realtorparty@car.org or reply to this email.

Thank you,

C.A.R. Government Affairs Team

 

Topics: Announcements, Government Affairs

Stimulus Checks Start Arriving This Week - Here's What to Expect

Posted by Richard D'Ascoli on Apr 15, 2020 8:21:04 AM

Two weeks ago, the federal economic stimulus package known as the CARES Act was signed into law. Starting this week, Economic Impact Payments - often called "stimulus checks" - will show up in some Americans' bank accounts.

 

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Who is eligible for the Economic Impact Payment?
How do I get a stimulus check from the IRS if I did not file a tax return in 2018 or 2019?
What if I receive Social Security payments (65 years +) or social security disability payments?
When will my check be delivered?

 

Who is eligible for the Economic Impact Payment?

U.S. citizens or resident aliens who:

  • Have a valid Social Security number,
  • Could not be claimed as a dependent of another taxpayer, and
  • Had adjusted gross income under certain limits.

Most eligible U.S. taxpayers will automatically receive their Economic Impact Payments without having to take any extra steps, including:

  • Individuals who filed a federal income tax for 2018 or 2019
  • Individuals who receive Social Security retirement, disability (SSDI), or survivor benefits
  • Individuals who receive Railroad Retirement benefits

 

How do I get a stimulus check from the IRS if I did not file a tax return in 2018 or 2019?

The IRS has launched a new we portal for people who did not file tax returns in 2018 or 2019 but are eligible for stimulus checks. This new web portal is easy to use, safe, secure, and free. Individuals who did not file tax returns in 2018 or 2019 should use this tool, including:

  • People who did not make enough money to require filing. This may include single filers who made under $12,200 and married couples making less than $24,400 in 2019.
  • People receiving veterans beneficiary payments and Supplemental Security Income (SSI) payments.

 

What if I receive Social Security payments (65 years +) or social security disability payments?

You do not need to file a tax return to receive stimulus money. According to the IRS, you will automatically receive $1,200 Economic Impact Payments. However, you may want to file a tax return if you have qualifying children under 17 years of age. In that case, you may receive up to $500 per child.

What will I need to file?

  • Full name, current mailing address and an email address
  • Date of birth and valid Social Security number
  • Bank account number, type and routing number, if you have one
  • An Identity Protection Personal Identification Number (IP PIN) if you received from the IRS earlier this year.  
  • Driver's license or state-issued ID, if you have one.
  • For each qualifying child: name, Social Security number or Adoption Taxpayer Identification Number and their relationship to you or your spouse

 

When will my check be delivered?

The IRS is sending out direct deposits and paper checks starting with the lowest income earners. The IRS began depositing money on April 9. If you received prior tax refunds via direct deposit, funds will likely be automatically deposited into your bank account. The IRS will begin sending paper stimulus checks on April 24, 2020. The plan is to send paper stimulus checks to taxpayers with the lowest adjusted gross income first. Therefore, taxpayers who earned less than $10,000 will receive a paper check first.

On Friday, April 17, the IRS will release a new tool for tracking your payment status online and confirming whether your payment type will be direct deposit or check.

Topics: Announcements, Government Affairs, Industry

TIMELINE: Unemployment Insurance and Pandemic Unemployment Assistance

Posted by PSAR Communication on Apr 14, 2020 5:13:05 PM
The California Labor Secretary released a letter called the "Open Letter to Californians Regarding Unemployment Insurance (UI) Payments and Pandemic Unemployment Assistance Timeline" on April 14th.  CAR will be releasing and FAQ on this within the next day or two.

Here is a summary of the facts:
  • The Employment Development Department (EDD) computer systems are not crashing.
  • Californians eligible for certification on April 12 began to see the $600/week additional payments provided for under the federal CARES Act today.
  • The CARES Act also created a special program for this crisis called Pandemic Unemployment Assistance, or PUA.
  • PUA provides federally funded benefits distinct from the UI program for certain individuals out of work or partially unemployed due to the COVID-19 crisis, including the self-employed, individuals who lack sufficient work history, and independent contractors. Federal guidelines on how to administer PUA came out on April 5 and include gig workers as an example of those eligible for PUA.
  • Since April 5th, the EDD has been helping Californians get what they are entitled to under PUA.
  • There will be a one-stop shop for applying for UI and PUA. Individuals will be able to go to UI Online to self-certify that they meet the COVID-19-related criteria for PUA. The EDD will make clear in the self-certification that certification of eligibility for PUA does not affect determinations of employee status under state law for other protections and benefits.
  • Under PUA, individuals can receive weekly unemployment assistance that may be equivalent to what individuals would get under UI (depending on their earnings and whether earnings can be verified).
  • Those who get PUA also get the $600/per week additional payment added to UI for weeks they are unemployed from March 29 until the end of July.
  • PUA benefits can cover people unemployed or partially unemployed due to COVID-19 from January 27, 2020 through December 31, 2020 depending on date of actual impact. (In other words, it is retroactive to the time before the federal stimulus bill was passed and before funding was made available.)
  • When you apply and your application is approved, you will get PUA benefits going back to the first full week of February as long as you can show that your inability to work was COVID-19 related.
  • A new system will be able to pay individuals within 24 to 48 hours of their application. The EDD needs two weeks to create this new system.
  • labor workforce developemnt

 

Topics: Announcements, Government Affairs, Industry

Thank you San Diego Congressional Delegation

Posted by PSAR Communication on Dec 20, 2019 5:56:45 PM

Thank you San Diego Congress Members Juan Vargas, Scott Peters, Susan Davis and Mike Levin for your vote today as the House passed H.R. 5377, a bill that temporarily eliminates the cap on state and local tax (SALT) deductions for 2020 and 2021. The Restoring Tax Fairness for States and Localities Act would also increase the cap to $20,000 for married couples for 2019.

C.A.R. President President Jeanne Radsick stated "We are pleased that the House has passed a bill to temporarily eliminate the cap on the amount of state and local tax that taxpayers can deduct on their federal tax returns. The combined hit of a reduction in the mortgage interest deduction and current $10,000 SALT cap in the tax law has disproportionately hurt taxpayers and real estate in California," 

"Ensuring the tax code incentivizes housing and real estate will continue to be a top priority for REALTORS®, and C.A.R. thanks the many California Congressional members who support easing the double taxation penalty that harms California homeowners."

The bill moves on to the senate where it will face stiff opposition.

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Topics: Announcements, Government Affairs, Industry

Meet and Greet with Candidates for District 1

Posted by Kevin McElroy on Oct 25, 2019 1:51:13 PM

PSAR Invites you to meet and greet the candidates for County Board of Supervisors for District 1.

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Learn more to make an informed decision in the upcoming elections.

      Register      

Candidates

RAFAEL CASTELLANOS   â€˘   BEN HUESO   â€˘   NORA VARGAS



District 1 Cities and Communities include:

  • Barrio Logan
  • Bonita
  • Chollas View
  • Chula Vista
  • Coronado
  • East Otay Mesa
  • Grant Hill
  • Imperial Beach
  • La Playa
  • Lincoln Acres
  • Lincoln Park
  • Logan Heights
  • Memorial
  • Mount Hope
  • Mountain View
  • National City
  • Nestor
  • Otay
  • Palm City
  • Point Loma
  • San Ysidro
  • Shelltown
  • Sherman Heights
  • Southcrest
  • Stockton
  • Sunnyside
  • Sunset Cliffs
  • and part of Downtown SD


      Register      



- Lunch will be provided - 

Friday, November 8th, 2019
12:00 pm to 1:00 pm
PSAR South
880 Canarios Ct., Chula Vista, CA 91910

PDF of Candidate Forum

 

 

Topics: Education, Government Affairs