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District 99 Myers – Oct 25

by

Judy Myers Masthead

September Market Snapshot Is In — Attend the Big Event Oct. 15 for Full Update + 2026 Forecast

Dear Friends and Colleagues,

Be sure to attend CCAR’s Big Event on October 15th to hear C.A.R.’s Chief Economist Jordan Levine present a full market update and statewide economic forecast for 2026. Also featured, C.A.R. Assistant General Counsel Gov Hutchinson will review the latest legal news and information to help you navigate the dynamic real estate environment. 

We look forward to seeing you there!

Warmest Regards,

Judy

REGISTER FOR BIG EVENT

Preliminary numbers for September indicate that despite ongoing challenges in the labor and housing markets, recent data offers reasons for guarded optimism. New home sales have surged to multi-year highs, buoyed by lower mortgage rates and builder incentives, while inflation remains contained enough to reassure policymakers. Although jobless claims have dropped and builder sales expectations are improving, persistent concerns about unemployment and construction costs suggest that the recovery, while promising, still faces headwinds. Overall, the outlook is brighter, but caution remains warranted as uncertainties linger.

Sep 2025 Stats Infographic w/ link to source

C.A.R.’s Quick Market Analysis weekly infographics can help keep clients on top of market trends.

Mortgage rates have edged up slightly after several weeks of decline. Even so, loan applications for home purchases are 18% higher and refinances 42% higher than a year ago. This points to steady demand, but conditions could change if rates rise further. REALTORS® can use this moment to advise buyers on locking rates early, help sellers set realistic prices based on true affordability, and share timely lending updates to position themselves as trusted market guides. Visit: FreddieMac >

FreddieMac PMM Sep 25, 2025
CCAR CALENDAR >
24/7 VIDEO TRAINING >
LICENSE RENEWAL >

CCAR ANNUAL SPONSORS

LeadHax logo/link

District 99 Wright – Oct 25

by

Tyra Wright Masthead

September Market Snapshot Is In — Attend the Big Event Oct. 15 for Full Update + 2026 Forecast

Dear Friends and Colleagues,

Be sure to attend CCAR’s Big Event on October 15th to hear C.A.R.’s Chief Economist Jordan Levine present a full market update and statewide economic forecast for 2026. Also featured, C.A.R. Assistant General Counsel Gov Hutchinson will review the latest legal news and information to help you navigate the dynamic real estate environment. 

We look forward to seeing you there!

Warmest Regards,

Tyra

REGISTER FOR BIG EVENT

Preliminary numbers for September indicate that despite ongoing challenges in the labor and housing markets, recent data offers reasons for guarded optimism. New home sales have surged to multi-year highs, buoyed by lower mortgage rates and builder incentives, while inflation remains contained enough to reassure policymakers. Although jobless claims have dropped and builder sales expectations are improving, persistent concerns about unemployment and construction costs suggest that the recovery, while promising, still faces headwinds. Overall, the outlook is brighter, but caution remains warranted as uncertainties linger.

Sep 2025 Stats Infographic w/ link to source

C.A.R.’s Quick Market Analysis weekly infographics can help keep clients on top of market trends.

Mortgage rates have edged up slightly after several weeks of decline. Even so, loan applications for home purchases are 18% higher and refinances 42% higher than a year ago. This points to steady demand, but conditions could change if rates rise further. REALTORS® can use this moment to advise buyers on locking rates early, help sellers set realistic prices based on true affordability, and share timely lending updates to position themselves as trusted market guides. Visit: FreddieMac >

FreddieMac PMM Sep 25, 2025
CCAR CALENDAR >
24/7 VIDEO TRAINING >
LICENSE RENEWAL >

CCAR ANNUAL SPONSORS

LeadHax logo/link

District 99 Fondnazio – Oct 25

by

John Fondnazio Masthead

September Market Snapshot Is In — Attend the Big Event Oct. 15 for Full Update + 2026 Forecast

Dear Friends and Colleagues,

Be sure to attend CCAR’s Big Event on October 15th to hear C.A.R.’s Chief Economist Jordan Levine present a full market update and statewide economic forecast for 2026. Also featured, C.A.R. Assistant General Counsel Gov Hutchinson will review the latest legal news and information to help you navigate the dynamic real estate environment. 

We look forward to seeing you there!

Warmest Regards,

John

REGISTER FOR BIG EVENT

Preliminary numbers for September indicate that despite ongoing challenges in the labor and housing markets, recent data offers reasons for guarded optimism. New home sales have surged to multi-year highs, buoyed by lower mortgage rates and builder incentives, while inflation remains contained enough to reassure policymakers. Although jobless claims have dropped and builder sales expectations are improving, persistent concerns about unemployment and construction costs suggest that the recovery, while promising, still faces headwinds. Overall, the outlook is brighter, but caution remains warranted as uncertainties linger.

Sep 2025 Stats Infographic w/ link to source

C.A.R.’s Quick Market Analysis weekly infographics can help keep clients on top of market trends.

Mortgage rates have edged up slightly after several weeks of decline. Even so, loan applications for home purchases are 18% higher and refinances 42% higher than a year ago. This points to steady demand, but conditions could change if rates rise further. REALTORS® can use this moment to advise buyers on locking rates early, help sellers set realistic prices based on true affordability, and share timely lending updates to position themselves as trusted market guides. Visit: FreddieMac >

FreddieMac PMM Sep 25, 2025
CCAR CALENDAR >
24/7 VIDEO TRAINING >
LICENSE RENEWAL >

CCAR ANNUAL SPONSORS

LeadHax logo/link

District 99 Hall – Oct 25

by

September Market Snapshot Is In — Attend the Big Event Oct. 15 for Full Update + 2026 Forecast

Dear Friends and Colleagues,

Be sure to attend CCAR’s Big Event on October 15th to hear C.A.R.’s Chief Economist Jordan Levine present a full market update and statewide economic forecast for 2026. Also featured, C.A.R. Assistant General Counsel Gov Hutchinson will review the latest legal news and information to help you navigate the dynamic real estate environment. 

We look forward to seeing you there!

Warmest Regards,

Zina

REGISTER FOR BIG EVENT

Preliminary numbers for September indicate that despite ongoing challenges in the labor and housing markets, recent data offers reasons for guarded optimism. New home sales have surged to multi-year highs, buoyed by lower mortgage rates and builder incentives, while inflation remains contained enough to reassure policymakers. Although jobless claims have dropped and builder sales expectations are improving, persistent concerns about unemployment and construction costs suggest that the recovery, while promising, still faces headwinds. Overall, the outlook is brighter, but caution remains warranted as uncertainties linger.

Sep 2025 Stats Infographic w/ link to source

C.A.R.’s Quick Market Analysis weekly infographics can help keep clients on top of market trends.

Mortgage rates have edged up slightly after several weeks of decline. Even so, loan applications for home purchases are 18% higher and refinances 42% higher than a year ago. This points to steady demand, but conditions could change if rates rise further. REALTORS® can use this moment to advise buyers on locking rates early, help sellers set realistic prices based on true affordability, and share timely lending updates to position themselves as trusted market guides. Visit: FreddieMac >

FreddieMac PMM Sep 25, 2025
CCAR CALENDAR >
24/7 VIDEO TRAINING >
LICENSE RENEWAL >

CCAR ANNUAL SPONSORS

LeadHax logo/link

Recent Changes to the Code of Ethics You Need to Know

by

WATCH WHAT YOU SAY -
IT COULD COME BACK TO YOU

Recent Changes to the Code of Ethics You Need to Know

Three months ago, important updates were made to the Code of Ethics, including 11 amendments to its Standards of Practice. One key change is to Standard of Practice 10-5, which now includes a clearer definition of “harassment” and emphasizes that REALTORS® are accountable for their words and actions—including what they say, write, or post—when acting in a professional capacity.

Why These Changes Matter

These updates are designed to:

  • Clarify your responsibilities under Article 10.
  • Protect local and state associations and their volunteer leaders.
  • Help REALTORS® comply more easily with the Code of Ethics.

Article 10 – A Quick Refresher (amended 1/23)

REALTORS® shall not:

  • Deny equal professional services to anyone based on race, color, religion, sex, disability, familial status, national origin, sexual orientation, or gender identity.
  • Be involved in any agreement or plan that discriminates against people based on these same characteristics.
  • Discriminate in their real estate employment practices for these reasons.

What’s New in Standard of Practice 10-5 (Effective June 5, 2025)

Updated Language:

REALTORS®, in their capacity as real estate professionals, in association with their real estate businesses, or in their real estate-related activities shall not harass any person or persons based on race, color, religion, sex, disability, familial status, national origin, sexual orientation, or gender identity.

Harassment is:

“Unwelcome behavior directed at an individual or group based on one or more of the above protected characteristics where the purpose or effect of the behavior is to create a hostile, abusive, or intimidating environment which adversely affects their ability to access equal professional services or employment opportunity.” (Adopted and effective 11/13/20, Amended 1/23 and 6/5/25).

Changes to Policy Statement 29:

While REALTORS® are encouraged to live by the Code of Ethics in all areas of life, a REALTOR® shall be subject to disciplinary action under the COE only with respect to all of their capacity as real estate professionals, in association with their real estate businesses, or in their real estate-related activities.

Bottom Line: Be Thoughtful in All Communications

There’s no “real estate agent-client privilege” that protects your messages in a legal dispute. Anything you say—online, in writing, or in person—can be used against you.

Here are some tips:

  • Always act like a professional, even during tough conversations.
  • Never use insults, slurs, or profanity.
  • If you’re upset, pause before responding. Talk to your broker or manager first.
  • Your words could be misinterpreted and used as evidence of discrimination or a violation of Article 10.

Remember: The Code of Ethics is not just a guideline—it’s a protection for you, your clients, and the reputation of the profession.

READ MORE AT NAR >>

NAR CODE OF ETHICS

NAR Ethics Complaints, Arbitration Requests & Related Information

C.A.R. ETHICS & ARBITRATION MANUAL

MLS RULES & REGULATIONS

CCAR BYLAWS

CODE OF ETHICS DEMYSTIFIED

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