The U.S. Department of Housing and Urban Development (HUD) awarded $47.4 million to fair housing non-profit organizations around the country.  At least two of the organizations are based in San Diego. In September these testing organizations received  $653,000 for the Private Enforcement Initiative (PEI).  According to HUD, these organizations will conduct intake and testing.  They will investigate and litigate fair housing complaints under the Fair Housing Act. According to the Department of Justice website:

"Testing refers to the use of individuals who – without any bona fide intent to rent or purchase housing, purchase a mortgage or vehicle loan, or patronize a place of public accommodation – pose as prospective renters, borrowers, or patrons for the purpose of gathering information. This information may indicate whether a provider is complying with federal civil rights laws. The primary focus of the Section's Fair Housing Testing Program has been to identify unlawful housing discrimination based on race, national origin, disability, or familial status in violation of the Fair Housing Act. The Section also has responsibilities to enforce Title II of the Civil Rights Act of 1964, the nation's public accommodations law; the Equal Credit Opportunity Act, which prohibits discrimination in credit; and the Servicemembers Civil Relief Act, which provides protections for military members as they enter active duty. The Fair Housing Testing Program also conducts testing under these statutes, as well as under the Americans with Disabilities Act, which is enforced by the Disability Rights Section of the Civil Rights Division."

Agents must also understand that California has additional protected classes including Ancestory, CREED, Gender Identity, Medical Condition, Source of Income/Occupation, and "Other Arbitrary Discrimination."  The definition of a "Protected Class" is all-inclusive in California.  Agents need to be aware of their unconscious biases and be careful to treat everyone equally.

In March of 2021 HUD Published the 2021 civil penalty amounts for fair housing violations. Civil penalties may reach a maximum of $54,157 and respondents who had violated the Act two or more times in the previous 7 years could be fined a maximum of $108,315.

PSAR, NAR, and C.A.R. have been diligent and have provided fair housing resources for Realtors for many years. During the past two years following the Newsday Investigation called "Long Island Divided" the Associations doubled down the efforts.  PSAR has hosted or promoted at least eight opportunities this year for agents to better understand fair housing.  NAR also prepared a "gamified" training to help agents understand the law.  The game is called Fairhaven.  More information may be found here.

Testers may be reaching anonymously to agents and property managers in the field.  The best practice is to understand and obey the law.  PSAR agents are the most professional in California and the Nation. PSAR's staff and volunteer leaders are available to help our members with resources and training. This law is important and there is no room for error.

Watch this video to see how real estate agents treated undercover clients on Long Island.

CRMLS launched a new IDX transparency initiative on September 1st, 2021.

What is IDX?  “Internet Data Exchange” is a means by which each MLS Participant (AKA Broker In the MLS) subscribing to the (IDX) program permits the limited electronic display of Participant’s listings appearing in Internet Data Exchange Database on each Participant’s (Other Broker's) IDX Internet websites and on applications for mobile devices that said participating Broker Participants and R.E. Subscribers control.

The newly updated rule Rule 12.16.5 listing credit:

All Listing Brokers grant permission for any Advertising Broker to display any listings submitted to the service by the Listing Broker only if the listing display or advertisement is clear so that a reasonable real estate consumer understands:

a) Who is the Listing Agent & Broker?
b) Who is the Advertising Broker?
c) How to contact that Listing Agent or Broker.

Note: These changes only affect how agent and broker IDX websites display your MLS data in public sites, not any other form of marketing. They are unrelated to communications between you and your clients.

What are the full implications of this rule? How do agents and brokers make sure your IDX feeds are compliant? Where did this rule come from, and why, and how does it benefit you?  To answer these questions and more,

CRMLS’s Vice President and General Counsel Edward Zorn - VP & General Counsel at California Regional MLS (CRMLS), will host a Webinar Wednesday, September 15th at 2:00 PM centered on the IDX Transparency Initiative.

Edward Zorn,  will also review frequently asked questions,  display examples of this new change, and take questions live.

Art Carter, CEO of CRMLS

Provides quick insight into the rule change on this 2:35 minute video.

CRMLS users drive the changes made to our rules, MLS systems, and services. CRMLS doesn't make up rules on a whim – we follow the directives of Brokers and Agents.

Based on feedback from the CRMLS subscribers and participants, filtered through committees, and approved by our Board of Directors, a few changes to the CRMLS Rules and Regulations are being made.

Effective May 1, 2021, CRMLS is updating the Rules and Regulations and publishing them on the Compliance page of the CRMLS website.  Please read the two-page summary of the rule changes, located here.

Here's a brief overview of some of the most impactful changes:

• 12.23 Business Days Definition. For all purposes of this ruleset, “Business Days” shall be defined as Mondays through Saturdays, not including holidays
• Addition of new rule (14.5) regarding MLS staff modifying fields and data points within listings
• In connection with new rule 14.5, violations of rules 7.8 (Mandatory Delivery of Listing Agreement) and 7.9 (Mandatory Submission Upon Marketing) may result in modifications being made to the DOM count of any listing at issue
• Modification to rule 7.22 (Expiration, Extension and Renewal of Listings) to include the following: "The Listing Broker may modify the status of an expired listing within 7 days of the Expiration date. At any time and for any reason, the MLS has the right to request a copy of the seller's written authorization to extend or renew a listing." (Please note that this change may not reflect immediately or at the same time in all MLS systems.)

 Additional resources are available here:

• Compliance Knowledgebase
• CRMLS Rules and Regulations

Please familiarize yourself with the new rules as soon as possible. 

More than 100 PSAR members learned more about property tax benefits available to clients of REALTORS^® from Proposition 19 during a Zoom meeting earlier this week with Taxpayer Advocate Jordan Marks of the San Diego County Accessor-Recorder-County Clerk (ARCC) Office.

Recorded Video of the Presentation

Attachments from the presentation:

• Jordan Marks Presentation Slides
• Assessor Homeowners Exemption Form
• Assessor Senior Exclusion Form
• Prop 58 Parent to Child Exclusion Form

Prop. 19, approved by California voters in the recent November general election, offers significant benefits to homeowners and sellers. The ballot measure was endorsed by the California Association of REALTORS^® (C.A.R.) and other business and community organizations because it will spur housing economic recovery.

Simply put, Prop. 19 expands the affordable housing tools by allowing senior homeowners over 55 years old, people with severe disabilities and victims of natural disasters or wildfires to keep their low tax base and move or rebuild anywhere statewide.

In addition, Prop. 19 addressed a tax loophole allowing families to pass their homes and affordable tax bases to their children, but no longer allowing them to be used for a commercial purpose.

However, Marks told PSAR members that it’s important to remember that some rules relating to Prop. 19 will change on Feb. 15 and April 1.

Before Feb. 15, in the case of transferring home ownership from parent to child or grandparent to grandchild, the law allows for unlimited transfer of assessed value on a primary resident with no requirement to live in the property and up to $1 million of assessed value on all non-primary residential properties.

After Feb. 15, the law changes with a limit of $1 million transfer of assessed value on a primary resident, plus a requirement to live in the property and no transfer of assessed value on any property not a primary resident.

Before April 1, for relocating homeowners over 55 years old, the current rules limit the senior exclusion from property tax reassessment to one time plus a requirement to live in the property.

After April 1, the senior exclusion from property tax assessment can be claimed for three times for any property in the state (but unlimited times for those whose homes were destroyed or substantially damaged by a wildfire or natural disaster). Filing for the exclusion must occur within two years from the date of the sale or purchase.

PSAR is encouraging all of our members, and all San Diego-area real estate industry professionals, to exercise their right to vote in the upcoming election. Your vote counts!

PSAR has an active and vital group of REALTOR® members who serve on the PSAR Government Affairs (GA) Committee. The GA Committee has three subcommittees that focus on specific geographical areas of the county.

GA Committee members offer political endorsements, and act as political advocates and review public policy and its impact on the PSAR membership in particular and the real estate industry as a whole. In addition, GA Committee members address a variety of complex and multi-dimensional issues impacting the protection of private property rights.

GA Committee members are acutely aware of the importance of voting, even more so in this upcoming general election. The stakes are high. If issues and candidates affecting your realtor business and the industry itself matter to you, then it matters that you vote on them.

With early voting underway, GA Committee members were recently asked about the importance of voting. Below are their comments (names appear in alphabetical order, some quotes were edited for clarity).

-- “Our committee is made up of Republicans, Democrats, Independents, and others. We research, conduct interviews, review questionnaires, and our decisions are primarily based upon the notion of property rights, expanding homeownership, rights of tenants, and the rights of owners of commercial and rental properties. We will endorse candidates whom we feel best support these values over their opponents. It’s important to elect leaders who will work with REALTORS®. We all have our own choices of candidates, but we hope by supporting pro-real estate candidates and propositions, it might help influence voters who agree with us that property rights and the expansion of homeownership are essential to all Americans.” -- Mike Anderson

“Democracy is vital to real estate. If people don't vote, then it’s the corporations and banks that set policy that affects your ability to buy a home. When you vote, you make your voice heard. Be a voice for our communities where we can work towards a country where everyone has the opportunity to be a homeowner.” -- Deirdre Bramberg

--“ I sat with my family and we reviewed each proposition and discussed ones we were not clear on. Let’s use the voting season to engage and unite families.” -- Jeff Campbell

-- “Elected officials are political beings. They listen to the people in the communities who vote and they also listen to the people and organizations who contribute resources that allow them to reach out to those voters. Making sure your voice is heard as a voter is every bit as important as for whom you vote.  Communities and neighborhoods with high voting percentages attract more attention and resources.  Citizens who vote have a voice with politicians and those who do not vote have no voice." -- Richard D’Ascoli, Chief Executive Officer, PSAR

-- “It is a civic duty to vote and every single vote makes a difference. As a citizen of the country, the right to vote is one of the freedoms the county gives its people. It is a chance for our voice to be heard and an opportunity to select the leaders we believe have the ability to represent us in our government.” -- Merrie Espina.

-- “Each PSAR member should exercise their right and obligation to vote. In this election, as in most elections, your future earnings, your tax obligations, and the laws that enable or hobble our industry are all in play. PSAR, C.A.R. and NAR can all be influential as supporting organizations, focusing on critical policy issues. But, in the final analysis, it is your individual vote and the power of our collective votes that will select our elected officials and establish the policies that impact our lives and our business environment for years to come.” -- William Hall

-- “Our votes this election are more important than ever as our region, state and country stand at a pivotal time.  PSAR’s Governmental Affairs Committee, as well as C.A.R. and NAR, spend a lot of time each election interviewing and weighing which candidates and propositions uphold basic property rights. REALTOR® endorsements have been made available to all of our members and we hope that you will read and consider the recommendations when you cast your votes as you believe best represents your views.” Kay LeMenager

-- “In all areas of life having your opportunity to vote is of utmost importance. I feel it is our duty as Americans to make voting a serious commitment in support of the sacrifice of those before us to fight for our right to do so. My children were educated to study the propositions and follow the federal, state and local elections and vote from the age they became eligible. It starts with us as parents to lead by example.”  -- Colleen McDade

-- “It’s very important to get out there and vote. Many people complain about the results, but if you don't vote, don’t complain. Every vote counts, so do your part and get out there and vote.” -- Patricia McFadden

-- “Voting is how we convey our desires for change. Please exercise your right to vote with the goal of making a better today and tomorrow for us all.” -- Paul Moses

-- “Every vote really does matter. Just last cycle, San Diego District 8 primary was decided by 3 votes, my college board race was decided by 23 votes. Vote and get your friends and family to vote, too.” -- Rafael A. Perez

-- “I am involved in Government Affairs and I try to be as active as I can be in politics is because it does have an impact on our industry. One can be part of the problem or the solution. I can stand by and complain or I can do what I can do to act.  Rome was not built in a day, and as we all know California has its issues which have a direct impact on our business. Be impactful and relevant. Part of doing that is reading the voters guide and voting. It’s common sense, do nothing and one can only expect nothing. So, why not be relevant and do something.” -- Rebecca Pollack-Rude

-- “I’ve been a member of the Government Affairs Committee for many years because I believe the grass roots portion of our local governments are truly the roots of our way of life as it pertains to the freedoms that are rightfully ours. Voting is the most important right and freedom that, as a U.S. citizen, we enjoy, or should enjoy. The committee is a way to hear from our peers, our local government officials and the candidates at various levels of government who have an impact at every level of our community life, and most especially as it pertains to housing and private property rights. In this unprecedented time of pandemic, the value of the roof over our head has never been more in the spotlight. Personally, I’ve grown to appreciate greatly our rights as individuals, as members of our local communities, our country and lately as a member of humankind. Register to vote, inform yourself. Make choices because you understand the issues and the candidates, not because someone else told you that it’s the best way or the only way or just because. Exercise your most valuable right. Vote and understand and appreciate that right.” -- Pat Russiano

-- “I have always felt that it is one’s responsibility to be knowledgeable regarding the election process, issues and then vote. I taught my children and now grandchildren that they have a responsibility as a citizen of the United States of America to vote.” -- Norma J. Scantlin

-- “Our GA Committee spends a lot of time vetting our recommendations with input from REALTORS® from various backgrounds and party affiliations. Please let your voice be heard and vote. If nothing else, vote NO on the real estate related propositions 15, 19 and 21.” -- Mark Scott

-- “I have never once missed the honor and the obligation to vote. It is the glue that binds us as Americans, giving us the confidence that we are a nation guided by the rule of law.  It is fundamental to the American success story and to our sense of pride in being an American.” -- Mitch Thompson

-- “As a REALTOR® Party member, 2021 PSAR President-Elect, and as an individual, I care deeply about the future of our country. I know first-hand that our vote is needed in this election more than ever before. Your GA committee and the PSAR Board of Directors have spent a great deal of time to vet all PSAR endorsed candidates. I hope that you would consider these candidates as you cast your vote. The future of our country is in our hands. Please vote.” -- Max Zaker

_______________________________

Our 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 & development of the Real Estate industry in San Diego County. This program is only open to REALTORS® and PSAR Affiliate Members. There is no cost for attending this program.

PSAR is recommending a “No” vote on California Proposition 21, a rent control ballot proposition known as the “Rental Affordability Act.” The Governor and Legislature have already passed rent control into law. This Proposition goes too far and has too many unintended negative consequences.

If approved, Prop. 21 would change state law to allow cities to apply new rent control ordinances and/or expand existing ones. New laws could be enacted affecting homes at least 15 years old. Prop. 21 exempts single-family homes owned by landlords with more than two properties.

Proponents claim cities should be allowed to approve additional limits on rent increases to protect California families who are one rent hike away from being driven out of their neighborhoods by landlords. They further claim this proposition will stop homelessness and gentrification.

The fact is that Prop. 21 would make it less desirable for builders to construct more housing, affordable or otherwise, at a time when California has a massive housing shortage. It would also decrease revenue for city and state governments, already cash-strapped by the fallout from the Covid pandemic. It would reduce the number of housing units in the state and allow bureaucrats to add fees on top of base rent, thereby increasing the cost of living at a time when Californians can least afford it. In fact, only two years ago, in 2018, Californians made their decision about rent control at the polls.

In 2018, voters in 56 of 58 California counties overwhelmingly rejected a statewide rent control measure by a 20-point margin. Why is this subject being revisited so soon? Los Angeles-based AIDS Healthcare Foundation and its President, Michael Weinstein, funded a signature collection drive that once again put the measure on the ballot. This appears to make this issue a special interest one.

Last year, state legislators passed a new law that set a 7 percent ceiling on yearly rent increases. CalMatters, a public interest journalism venture, concluded that the action by Sacramento lawmakers in 2019 was an effort to ward off another statewide rent control ballot measure by Weinstein and company that clearly was unsuccessful.

According to CalMatters, Prop. 21 opponents include Governor Gavin Newsom, California Apartment Association, California Seniors Advocate League, Essex Property Trust and Prometheus Real Estate Group. Prop. 21 supporters include the AIDS Healthcare Foundation, Eviction Defense Network and Vermont Sen. Bernie Sanders.

California Association of REALTORS® (C.A.R.), Apartment Association of Orange County and Californians to Protect Affordable Housing, a coalition of housing advocates, renters, businesses, taxpayers and veterans encourage a “NO” vote on Proposition 21.

Other organizations opposing Prop. 21 include the California Council for Affordable Housing, California Community Builders, the California State Conference of the NAACP, Si Se Puede, Congress of California Seniors, Howard Jarvis Taxpayers Association and the San Diego Building and Construction Trades Council.

A CalMatters headline stated “Proposition 21 rent control will discourage construction of affordable housing.” A CalMatters opinion writer asserted: We must protect small property owners who, in contrast to corporate landlords, often are natural affordable housing providers, operate on small margins, give applicants a chance if they don’t meet all of the rental qualifications, and help maintain the integrity of a community. The state of California is facing a new economic challenge, and families across our state are struggling. What we need most is new investment in our housing market, not an extreme measure like Proposition 21 that will further destabilize it.”

The San Diego Union-Tribune newspaper editorial board wrote: “Expanding rent control will make the California housing crisis worse. Rent control is the wrong way to help Californians struggling with housing. Lawmakers who are juggling a lot during this pandemic need to not lose sight of that. The long-term solution is listening to experts and building new houses.”

The San Francisco Chronicle newspaper editorial board described Prop. 21 as “a rent control retread unimproved by age.”

The Press Democrat newspaper in Santa Rosa, Calif. said Prop. 21 is a proposed “rent control law that won’t end the housing crisis.” Its editorial resource stated: “California voters soundly rejected rent control in the November 2018 election for a good reason: It won’t alleviate the state’s housing problems. In fact, economists almost universally agree that imposing rent control would be counterproductive. State lawmakers voted in 2019 to cap rent increases anyway, while requiring landlords to show `just cause’ for evictions. Yet, here we are again, barely a year later, asked to decide another rent control initiative. Voters should once again say no.”

The headline in the Orange County Register read, “Rent control is the horrible idea that won’t go away.” Its editorial stated: “California’s housing affordability isn’t that complicated. There is high demand and inadequate supply. If the goal is to expand the accessibility of housing, it is necessary to increase supply. Rent control is incredibly effective at backfiring on that front. Research has shown that San Francisco’s rent control policies resulted in many landlords removing housing units from the market. Renters in non-rent-controlled units, meanwhile, faced even higher rents than would otherwise be the case.”

For more information about the campaign against Prop 21, visit www.noonprop21.org.

_______________________________

Our 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 & development of the Real Estate industry in San Diego County. This program is only open to REALTORS® and PSAR Affiliate Members. There is no cost for attending this program.

DRE ANNOUNCES PUBLICATION OF REVISED LANDLORD/TENANT GUIDEBOOK

SACRAMENTO – The California Department of Real Estate (DRE) announced today that it has completed a major revision to the widely used resource guidebook titled, California Tenants – A Guide To Residential Tenants' and landlords' Rights and Responsibilities.

The Department of Consumer Affairs last published the guidebook in 2012. Since then, the Legislature passed, and the Governor signed, many new laws addressing landlords and tenants. Recognizing the need to update this guidebook, DRE revised it to reflect the addition of new laws, including the Tenant Protection Act of 2019 (AB 1482) and the
Tenant, Homeowner and Small Landlord Relief and Stabilization Act (AB 3088), which includes the COVID-19 Tenant Relief Act of 2020. These updates are critically important to landlords and tenants, especially during this time of economic uncertainty.  “Equipping tenants and landlords with detailed and timely information to help them make
informed decisions was DRE’s main focus with this project,” Real Estate Commissioner Doug McCauley said. “Keeping Californians housed is crucial in the public health climate and this resource will provide much-needed clarity on key rental issues.”

Relevant and detailed revised chapters in the guidebook include but are not limited to: Before You Agree to Rent, Dealing with Problems, Terminations and Evictions, Tenant Protection Act of 2019, Resolving Problems, Getting Help from a Third Party, and a Glossary.

This guidebook and other useful information for landlords and tenants can be found at the DRE-created website HousingisKey.com. The online version of the guidebook can be easily translated into other languages using the google translate function on the website.

Printed copies will be available later this year.  Here is a link to the downloadable PDF version of the document.

PSAR is recommending a “no” vote on California Proposition 15, a ballot measure that calls for higher property taxes on commercial and industrial real estate.

Prop. 15 is referred to as the “Split Roll Ballot Initiative, Schools and Communities First.” If approved, Prop. 15 would require calculating property taxes for commercial and industrial real estate based on current market value. It would raise property taxes on supermarkets, shopping malls, office buildings, factories, movie theaters, hotels, restaurants, sports stadiums, warehouses, self-storage facilities, major retailers and other businesses.

Proponents claim $6.5 billion to $11.5 billion generated from the increased property taxes would be allocated to schools (40 percent) and local government (60 percent).Opponents say Prop. 15 is a direct attack on Proposition 13, which limits annual increases in assessed property value to 2 percent. Prop. 13, passed by California voters in 1978, remains a godsend to fixed-income retirees and middle-income workers who would be incapable of paying the increased property tax assessments over the last 40 years as California home prices have quintupled. If enacted, this massive tax increase will prompt companies to flee California at a time when businesses are already struggling.

The San Diego County Office of Assessor-Recorder-County Clerk, which opposes Prop. 15, recently delivered a presentation to PSAR members. The presentation included the contention that supporters for Prop. 15 are laboring under five false premises:

1. Businesses don’t pay their fair share of property taxes (in fact, taxes paid by commercial property owners have increased 1,930 percent since 1978);
   
   
2. Prop. 15 won’t impact small businesses because properties worth less than $3 million are exempt (in fact, the average commercial or industrial parcel in San Diego County is valued at $3.1 million, which is above the exemption level);
   
   
3. Prop. 15 will impact only property owners, not tenants (in fact, if tenants are required to pay higher rents by property owners who need to recoup the property tax increase, then costs will impact tenants/customers);
   
   
4. Prop. 15 won’t impact residential housing (in fact, raw land zoned for residential and commercial-industrial uses will be reassessed and mixed-use properties with more than 25 percent commercial also will be reassessed);
   
   
5. Prop. 15 won’t impact female-, immigrant- and minority-owned businesses (in fact, the groups opposing Prop. 15 include social justice leaders, such as the NAACP, California Black Chamber of Commerce, California Hispanic Chamber of Commerce, CalAsian Chamber of Commerce and National Action Network).

A Berkeley Research Group study found increasing property taxes on small businesses will hurt female- and minority-owned businesses the most, and up to 120,000 private-sector jobs will be lost. Prop. 15 would incentivize local governments to approve business projects to replace existing housing in order to generate greater property tax revenue.

Ernie Dronenburg, Jr., San Diego County Assessor-recorder-County Clerk, said, “Proposition 15 won’t close the door on an imaginary corporate tax loophole, but it will close the doors of real San Diego small businesses. Prop. 15 is the wrong idea at the wrong time.”

The San Diego Union-Tribune editorial board wrote: “No on Proposition 15, vast tax hike during a deep recession is a crazy idea. Approving Proposition 15 is not about preserving essential government services, as advocates assert. It is about preserving generous government pensions that threaten to bankrupt government agencies across the state. Send a message that pension reform should precede a massive tax hike and vote no on Proposition 15.”

Dan Walters, columnist with CalMatters, a public interest journalism venture, wrote: “Both proponents and opponents know that Proposition 15 is a proxy battle over whether Proposition 13 is still an untouchable icon. The measure’s backers had no way of knowing that the COVID-19 pandemic and the severe recession it spawned would visit themselves on California, changing the tenor of their battle with business groups over the issue. While proponents argue that the new revenue is needed to keep vital public services, including schools, from being slashed, opponents argue that with businesses already suffering, this is the wrong time to saddle them with more taxes.”

Antonio Villaraigosa, former Mayor of Los Angeles and Speaker of the California State Assembly, wrote in a CalMatters column: “This poorly drafted tax measure will disproportionately hurt everyday Californians during the worst economic crisis since the 1930s. It will put significant pressure on jobs in general, but private sector union jobs in particular. Because Prop. 15 raises property taxes, those higher taxes will get passed on to small business tenants, who rent. These businesses, in turn, will pass higher costs on to consumers in the form of increased prices on everything we buy, groceries, fuel, utilities, clothing and health care. California’s cost of living is already among the nation’s highest. Prop. 15 will drive the cost of living even higher.”

For more information about voting “no” on Prop. 15, visit https://noonprop15.org. The following statement is on the website: “Amid an unprecedented economic crisis, special interests are pushing Prop 15 on the November 2020 statewide ballot that will destroy Prop 13’s property tax protections and will be the largest property tax increase in California history. If businesses lose their Prop 13 protections, homeowners will be next.

“Prop 15 will raise taxes on business property, leading to higher rents for small businesses. Ultimately, Prop 15 will make income inequality worse by driving up the cost of living for just about everything we need and use, like food, utilities, daycare and healthcare.

“We must reject Prop 15 and maintain Prop 13 protections that have kept property taxes affordable and provided every taxpayer who buys a home, farm or business property with certainty that they can afford their property tax bills in the future. Now is not the time to raise taxes and bring more uncertainty to businesses and all Californians.”

County Assessor Comments on Prop 15 - "Unfortunately, Prop 15 hides that it is the largest property tax increase in California history that will"... Read More

_______________________________

Our 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 & development of the Real Estate industry in San Diego County. This program is only open to REALTORS® and PSAR Affiliate Members. There is no cost for attending this program.

Meet Merrie Espina, who was recently elected to a two-year term (2021-2022) on the PSAR Board of Directors. 

Merrie grew up in the Philippines, traveled to London to study nursing and then moved to the United States with her first husband who was serving in the military at the time. The couple then lived abroad in Guam, Greece, London and Italy and Merrie worked both as a nurse and in banking during this time. They returned to the U.S. in the early 1990s living in Norfolk, Virginia and Long Beach, California, before relocating to San Diego.

While the family was stationed in Naples, Italy, Merrie had the experience of kissing the hand of Pope John II, who was the second longest-serving pope in modern history (from October 1978, until his death on April 2, 2005, at age 84).

“It was my daughter’s first communion and she was in the second grade. All the children were invited to go to the Vatican,” said Merrie. “The pope put his hand on each child’s head. When he walked down the line, I reached for his hand and he let me kiss it. It was a lifetime experience.”

In San Diego, Merrie worked for Navy Federal Credit Union and organized a trip for 20 bank employees to travel to Los Angeles to watch “The Price is Right” daytime TV game show.

“It was so much fun, especially when the announcer called my name. You don’t even realize that you’re on TV,” said Merrie. “I missed a car and a trip by one spot on the big wheel. Instead, I won seven mountain bikes. One of our bank employees won $10,000, but I got to hug and kiss Bob Barker.”

Merrie worked for 21 years in banking as a loan counselor, manager and marketing director. She then launched a career in real estate, beginning with a job with Century 21 Award. She moved to Realty Edge, followed by Ad Valorem. In 1997, she earned her real estate sales license and joined PSAR. By 1998 Merrie had formed her own brokerage firm, which she later sold during the 2007 recession.

“When I opened my own office, I set-up a crib for my granddaughter in our real estate office where she grew up while I worked. She’s now 19 years old” said Merrie. “I love my family, my two children, 6 grandchildren and my 84-year-old mom who lives with me. And, I love my PSAR real estate family."

“I’ve always been a volunteer. As a military spouse, I volunteered as an ombudsman. At church, I volunteered for a prom for special needs kids. For PSAR, I have volunteered annually on several committees, including Education, Grievance, Government Affairs, Global Council and Charity.”

This is not Merrie’s first time serving on the PSAR board. She was a board member from 2016 and 2017. She also served as a C.A.R. director (2018).

Merrie has earned a Master of Real Estate degree from REALTOR® University, a program endorsed by the National Association of REALTORS® (NAR). She also has a bachelor’s degree in management and business from the University of Laverne.

She has been honored with the 2019 PSAR REALTOR® of the Year award. Her former real estate office was named Business of the Year by the San Diego Filipino American Chamber of Commerce.

“I love real estate, I value my clients’ trust, loyalty and support,” said Merrie. “I treat and take care of them like family. I believe in helping others, listening and sharing my ideas to be part of the solution. When I go to bed, I ask myself: What good things did I do today to make a difference?”

______________________________

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.

Meet Andrea Martino, who was recently elected to a two-year term (2021-2022) on the PSAR board of directors as an affiliate director.

Andrea, a native of Tijuana, moved to San Diego at age 13. “At first, I struggled as an English language learner in academics,” said Andrea. “I was an underdog among my peers. But, the experience taught me to not be afraid to be challenged out of my comfort zone and overcome my insecurities.”

Andrea excelled as a student at Otay Ranch High School. At age 16, she was accepted to participate in an internship at The San Diego Union-Tribune.  

The newspaper’s annual summer journalism program offers the opportunity for high school students to learn about journalism. The students, paired with mentors in the Union Tribune newsroom, write stories, take photographs and create videos. The program focuses on reporting and writing, with special attention paid to critical thinking, objectivity, accuracy, fairness, interviewing, research and media literacy. Participating students are considered for college scholarship funds. Andrea was honored as the top student and received a college scholarship.  

“I remember going through my English-Spanish dictionary and having no idea about what my mentor was talking about, what’s a district attorney, what is extradition,” said Andrea. “But, the internship turned into a life-changing event. Again, I was challenged out of my comfort zone to learn a lot in a short amount of time.”  

After graduating from high school in 2010, Andrea attended San Diego State University and studied psychology and counseling. She got a job at South Bay Community Services (SBCS), a nonprofit that has been the beneficiary of proceeds from several PSAR charity events, including the REALTOR® Games and Zombie 5K Run-Walk.  

Based in Chula Vista, SBCS provides holistic comprehensive support for children, youth and families in crisis to help them heal and create self-sufficient lives. SBCS supports local residents with housing assistance, counseling, life skills and job readiness training.  At SBCS, Andrea worked on academic support programs and offered services to youth who were homeless or involved in the juvenile justice system. She was also involved with marketing, fundraising, and community relations at SBCS.

“I became acquainted with PSAR thanks to their support of South Bay Community Services,” said Andrea. “PSAR’s support meant so much to us at the time. This is a big reason why it was important for me to give back to the Association as soon as I joined the real estate industry.”

Since 2018, Andrea has worked for New Venture Escrow as a sales executive. “I love my job because it gives me an opportunity to build new partnerships and friendships,” she said. “I took a leap of faith by switching career paths but I’m a firm believer that great things happen outside our comfort zone.” 

Shortly after starting her real estate career, Andrea was invited to join the board of directors of the National Association of Hispanic Real Estate Professionals, La Jolla Chapter.  

She also joined PSAR and volunteered on the Charity Committee and the Young Professionals Network (YPN) group. Last year, Andrea oversaw YPN’s “Saddle-up and Hold’em,” a fundraiser and after-work mixer that was held at the Seven Mile Casino in Chula Vista. Event proceeds benefited Saddles in Service, a Descanso-based equestrian nonprofit that promotes wellness and healing from stress and depression for active-duty and retired military and first responders.  

“It was a lot of fun and my first opportunity to plan an event,” said Andrea. “I was so honored and privileged to take the lead and help PSAR with a successful event.”  

Then, a friend encouraged her to run for the open seat on the board as an affiliate member.  

“I decided to go for it because I’m passionate about doing new things and helping my real estate community. So, now I’m taking another leap of faith to serve on the board,” said Andrea. “I look forward to building relationships between affiliates and REALTORS®. I’m super-stoked about it and very grateful and honored for the opportunity to serve.”  

In her spare time, Andrea likes to volunteer and facilitate opportunities for community service. She also hosts weekend trips to Tijuana and Mexico’s wine country. “I’m a foodie at heart, and really enjoy showcasing Baja’s hidden gems as a tour guide with my friends,” she said.  

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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.