USDA Free WebinarLive, virtual training for all USDA lenders, builders, and real estate agents. USDA Annual Income Requirements: Removing the Mystery! Join the USDA for their next live lender training on annual and adjusted annual income requirements and gain insight to help strengthen your USDA Single Family Housing Guaranteed Loan Program (SFHGLP) portfolio!

Wednesday, January 26, 2022 at 11:00 a.m. ET / 10:00 a.m. CT / 8:00 a.m. PT

Thursday, January 27, 2022 at 2:00 p.m. ET / 1:00 p.m. CT / 11:00 a.m. PT

During the live event, we will discuss topics such as:

  • Annual and adjusted annual income requirements
  • Common calculation errors
  • Frequently asked questions
  • Forum for Q&A

If you have questions about the USDA Lending program or the upcoming free webinars, please contact your trusted, NCJAR Affiliate Member, Patricia Mangam, of Huntington National Bank.

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NMLS 564445
Huntington National Bank
32 Collis Lane PO Box 547 Chester NJ 07930
Office 909-879-8450 cell 908-421-9236
Fax 877-824-7717

DEI.making roomEmbrace the Opportunities in Diversity

Join us on Tuesday, January 18, 2022, at 10:00 am on Zoom for "Making Room for Conversations" with 2022 NCJAR President William "Bill" Flagg

Alexia Smokler, NAR's Senior Policy Representative for Fair Housing, and Leslie J. Frazier, MPA, Virginia Realtors®, SVP of Community and Industry Relations, will be joining in to discuss fair housing inequities and how to talk about it with confidence. 

Alexia will address some of the past and present Fair Housing complexities and the challenges you may face right here in New Jersey. She will define ways to Be The Change with information and education.  Leslie will help you "Make Room for Conversation" by defining our differences' and increasing the understanding of the communities you serve.


How to follow rpr maps to successGuide your buyers by mapping out a plan

RPR Maps can be a powerful tool in your tool belt

In this 1-hour webinar, you’ll use RPR maps to serve your buyers and find new clients by:

  • Learning the basics of starting a property or area search
  • Refining your searches by zooming in on areas based on local geographies
  • How to search for properties within Opportunity Zones
  • How to perform school searches


MLKDay.20221Released: January 13, 2022

Martin Luther King Day is a day of service, putting serving others before self. Similar to what we do as leaders of NCJAR with our Executive Committee and Trustees. We should all look to seize on opportunities to serve those in need. So let's all celebrate the birthday, life, and legacy of Dr. King by "Daring to Dream" for a more diverse, equitable, and inclusive society in which we live.

William "Bill" Flagg
NCJAR 2022 President

Please take a moment to read "The Traits of a Leader: Dr. Martin Luther King Jr."

AGMemo.December2021In December 2021, the NJ Attorney General updated the Memorandum to include the newly signed “Fair Chance in Housing Act”, which applies to criminal background checks.  This revised Memorandum REPLACES the one dated October 7, 2020 and should be the only copy now.  Every Broker should have a copy of this Memorandum in his/her office made available to every agent.  Every Agent should have copies of this Memorandum with them on all listing appointments and every landlord and seller should be given a copy.  In addition, a copy of HUD’s Assistance Animal Memorandum should be handed out to all landlords.

Remember. If there is any indication of discrimination you cannot represent that seller or landlord


Updated Attorney General Memorandum (December 2021)

HUD Assistance Animal Guidance

Realtor Safety AlertMembers of NCJAR have reported receiving harassing phone calls and inappropriate text messages from 571-778-2660—a phone number belonging to Omar Kassam. 

A quick google search reveals a pattern of harassment. To avoid receiving calls – Block the number. 

Questions: This email address is being protected from spambots. You need JavaScript enabled to view it.

NAR 1424 DEC 300x250 CFFW Tax Summit Daily News r2Taxes don’t have to be scary!

Learn about new governance regulations and receive tips on how to improve your personal wealth by spotting opportunities in your tax return, what to do if the IRS comes knocking, and more.

Register to attend NAR’s Center for Financial Wellness Tax Summit four-part series event:

  • Tax Considerations for the Newly Self-Employed

          Wednesday, February 2 at 2:00-3:00 p.m. EST

  • What to Do If You’ve Got IRS Trouble

           Wednesday, February 9 at 2:00-3:00 p.m. EST

  • 2022 Small Business Advanced Tax Update

           Wednesday, February 16 at 2:00-3:00 p.m. EST

  • Your Financial Golden Years

           Wednesday, February 23 at 2:00-3:00 p.m. EST

Protect Your Independent Contractor StatusFor the past few weeks NJ Realtors® has been working on getting legislation passed that protects your right to work as an independent contractor. The bill passed unanimously through the State Senate and the State Assembly, but we need Gov. Murphy to sign the bill and he needs to hear from you.

Tell Gov. Murphy you WANT to work as an independent contractor—the letter is already written and will take less than two minutes to send.


This legislation—A6206—clarifies and protects real estate agents' ability to work as independent contractors in New Jersey, still needs to be signed by Gov. Murphy.

Without this legislation, you could lose the ability to work as an independent contractor and all the tax benefits that go along with it.

Tell Gov. Murphy you deserve the right to work as an independent contractor and sign A-6206!

AGMemo.December2021Important Message From Mary Cano, CEO

The NJ Attorney General has updated the Attorney General Memorandum to incorporate the new “Fair Chance in Housing Act”.  This new Memorandum is dated December 2021 and replaces the current one dated October 7, 2020.  Please note that there is now a signature for the Broker and the Property Owner to sign on the last page. Please read this document carefully. It should be presented to every Property Owner. 

Updated Attorney General Memorandum (December 2021)

The New Jersey Real Estate Commission (REC) requires every licensed broker or salesperson with whom you list your property to give you a copy of this notice. The purpose is to help you comply with the New Jersey Law Against Discrimination (LAD) and the Fair Chance in Housing Act (FCHA) (effective January 1, 2022).

Local Issues Released December 27 2021Government Affairs is a critical component of our Association. However, the local level is where most issues begin. Below are the most recent local issues tracking report featuring agenda items and ordinances that are being considered by the governing bodies in NCJAR’s service area that could impact real estate, homeownership, or private property rights.

Local Issues: Released December 27, 2021

Please let us know if you become aware of local issues that need our attention or support? We have many tools and resources to ensure we can be at the forefront before issues become problems.

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Our goal is to maintain a healthy real estate environment for our members and the consumer.