This document provides information on risk management strategies and protocols implemented by Homesale Realty. It discusses protecting consumer information through network security measures like firewalls and encryption. It also covers training employees on fraud prevention and testing email security. Protocols are in place for secure electronic contracts, encrypted file transfers, and confirming any changes to financial transactions. Overall, the document emphasizes Homesale's focus on risk management and data security to protect clients.

1. Risk Management
No longer an afterthought

2. Homesale Complete Team
22 October 2020 2
Dan Ranck
NMLS #140989
James Ream
NMLS #1598468
Karie Martin Sarah Tompos James White

3. LCAR Committee Volunteer Sign-up
22 October 2020 3

4. Agent Appreciation Cookout & Car Wash
22 October 2020 4
Wednesday,
November 4th
1:00 - 4:00 PM
North Pointe Office
(side parking lot)
Hamburgers – Hot Dogs
Soda – Beer – Wine – Water
Prizes

5. Open House Social Media Results
22 October 2020 5
• Only real estate company that advertises
all of our open houses on social media
• Average click-through rate is 6 times the
national average

6. Lancaster County Market Statistics
$233,689
$274,068
$50,000 $100,000 $150,000 $200,000 $250,000 $300,000-0-
Average Sales Price
September 2019 vs. September 2020
Homesale Realty
717-295-4663
Homesale.com
DISCLAIMER: Based on information from the Bright MLS for all residential property located in Lancaster County, PA,
for the period September 1-30, 2020. Data may not reflect all activity within the geographic marketplace.
Statistics Courtesy of:
+17.3%

7. Lancaster County Market Statistics
September 2019 vs. September 2020
Listing Inventory (End of Month) Median Days to Sell
12 6
Average Interest Rate
1 2 3 ÷
4 5 6 x
7 8 9 -
0 . = +
3.62%
1 2 3 ÷
4 5 6 x
7 8 9 -
0 . = +
2.94%
Freddie Mac monthly average commitment rate on 30-year fixed rate mortgages
Units Sold
641
FOR SALE
666
FOR SALE
Statistics Courtesy of:
528
SOLD
614
SOLD
-19.9%
+3.9% -50.0%
DISCLAIMER: Based on information from the Bright MLS for all residential property located in Lancaster County, PA,
for the period September 1-30, 2020. Data may not reflect all activity within the geographic marketplace.
+16.3%

8. Lancaster County Market Statistics
Absorption Rates – September 2020
3
6
9
12
0
MonthsInventory
1.1 1.0 1.2
2.0
3.5
Buyer’s
Market
prices generally
decreasing
Seller’s
Market
prices generally
increasing
$0 to
$79.9K
$80K to
$119.9K
$120K to
$159.9K
$160K to
$199.9K
$200K to
$249.9K
$250K to
$299.9K
$300K to
$399.9K
$400K to
$499.9K
$500K +
Statistics Courtesy of:
.5 .6 .7 .8
DISCLAIMER: Based on information from the Bright MLS for all residential property located in Lancaster County, PA,
for the period September 1-30, 2020. Data may not reflect all activity within the geographic marketplace.
.9

9. DOTLOOP TIPS & TRICKS
The more you know – the more productive you’ll be
22 October 2020 9

10. “I didn’t know you could do that?”
22 October 2020 10

11. Homesale Loopers (Facebook Page)
22 October 2020 11

12. Homesale Loopers (Facebook Page)
22 October 2020 12

13. Homesale Loopers (Facebook Page)
22 October 2020 13
“Does Homesale have a standard clause for . . . . ?”
“I use a specific clause quite often in my
agreements of sale. How can I save it for future
use so I don’t need to recreate it every time?”

14. Homesale Loopers (Facebook Page)
22 October 2020 14
 

15. Homesale Loopers (Facebook Page)
22 October 2020 15


16. RISK MANAGEMENT IN REAL
ESTATE TRANSACTIONS
A new reality in 2020 that can’t be ignored
22 October 2020 16

17. Could this happen to you?
22 October 2020 17
https://youtu.be/tW4-8bjWuy8

18. The Importance of Risk Management
22 October 2020 18
• Americans lost over
$150,000,000
in real estate scams in 2019
• Fraud has risen
1,000%
since 2018
• Home buyers are the #1
victims of malware attacks
Protecting our clients and customers MUST be a top priority!

19. Protecting Information Companywide
22 October 2020 19
Problem: How do you know when our efforts are working?
Answer: When nothing happens.

20. Protecting Information Companywide
22 October 2020 20
• Networks are protected by the most up-to-date firewalls
• Any consumer non-public information that is opened on a Homesale
employee’s workstation is done so on a secure encrypted hard drive

21. Protecting Information Companywide
22 October 2020 21
• Consumer data that resides on Homesale servers/workstations are
protected by the following:
o Perimeter Firewall & Intrusion Detection System
o Artificial Intelligence Security that constantly monitors the network
for potential threats
o Leading Next Generation Security Software that monitors for
potential threats

22. Protecting Information Companywide
22 October 2020 22
• Homesale email is hosted on a
secure server
• Periodic testing of email fraud of
employees and staff

23. Protecting Information Companywide
22 October 2020 23
• Emails coming from a homesale.com email address contain a footer with
information pertaining to possible wire fraud

24. Protecting Information Companywide
22 October 2020 24
• All photo copies & scans
via Homesale Multi-
Functional Copiers are
protected by network
security kit that removes
any trace or thumbprint of
the consumers information

25. Protecting Information Companywide
22 October 2020 25
• Contracts
o Created on a secure online platform
o Signed electronically
o Only those invited can access the file
o Backed up to ensure nothing is lost

26. Protecting Information Companywide
22 October 2020 26
• Hold risk management seminars/trainings to educate agents on the
newest fraud prevention practices

27. Homesale Settlement Services
22 October 2020 27
• Transmits all non-public information via encrypted secure email software
(Send, Inc.)
• Provides a Funds Transfer Agreement to the parties. Once received, they
call the consumer to confirm the information.

28. Homesale Settlement Services
22 October 2020 28
• Never accepts emails with changes to wiring of funds. Always calls at a
verifiable number to confirm any changes.
• Trains and tests staff with phony phishing emails on a quarterly basis

29. Homesale Mortgage, LLC
22 October 2020 29
• Secure App for qualification
paperwork

30. Cinch Home Services
22 October 2020 30
• Reduces the financial impact of catastrophic, unexpected repair costs
• Cinch warranties have covered over a Quarter Million Dollars of repair
costs this year

31. COVID-19 Safety Protocols
22 October 2020 31
• Homesale Settlement offering optional drive-
up settlements
• Zoom/Facetime and other meeting options
whenever possible
• Every office requires the use of masks
• Each office provides hand sanitizers and has posted signs regarding safe use of
office
• Each settlement room is being wiped down after each use
• Door knobs and copiers are being wiped down frequently

32. Post to Social Media
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https://youtu.be/lxWVa2yWh4M

33. 22 October 2020 33
Don’t fear failure. Not failure, but
low aim, is the crime. In great
attempts, it is glorious even to
fail.
– Bruce Lee

34. Speaker Contact Info
34
Tom Blefko
Associate Broker
REALTOR®
Director of Operations
North Pointe Office
Berkshire Hathaway HomeServices Homesale Realty
Office: (717) 560-9100
Cell: (717) 587-6600
Email: tblefko@homesale.com
22 October 2020