CasaGuam Vol. 5 Issue 11

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GUAM ASSOCIATION OF REALTORS®The Voice for Real Estate on GuamSuite 236A Julale Center424 West O'Brien Drive, Hagatna, Guam 96910Office: (671) 477-4271 • Fax: (671) 477-4275

Hafa Adai!TheHomeBuyer's Expo that was held at the

Micronesia Mall Center Court on the 27th ofOctober. The event attracted peoplethrough-out the day visiting different displaybooths that offered information and free gifts.Speakers from the different lending

institutions spoke about the different loantypes, about documentation required for loansand how low the current interest rates are nowfor first time homebuyers.Government representatives from Guam

Housing Corporation and USDA providedinformation on the types of assistance theyoffer through their loan programs.Other speakers touched on topics- Why use a REALTOR®- Fair Housing-Why Rent when you can Own- Assistance Programs for Closing Costs- Home Appraisal, Inspection, Survey- Title and home insurance- Affordable Housing Projects

If YOUwere not able tomake the event youcan always contact a REALTOR® to obtaininformation onHOWtoBUY your first homeor to buy your second home for your growingfamily.The event was brought to you by the Guam

Association of REALTORS®.Si Yu'os Maase.....

November 2012 • Vol. 5 • No. 11

D e p a r t m e n t s

4 Market ReportValue Corner

8 FeatureMurky Real Estate Market

10 On the CoverPia Marine:Boutique of Condos

16 ProfileYumiko BlaisusReal Estate Fate!

18 How to D.I.Y.How to Unclog a ToiletWithout Calling a Plumber

19 Home FinanceRefinancing

20 How to D.I.Y.Bathtub Faucet RepairTips and Techniques

22 From the Experts5 Tips to Get You Sold!

24 Curb AppealSecure Your Home andValuables with Cost-Saving Measures

25 Who Ya Gonna Call?

26 Classifieds

28 ClosingGuam Associationof REALTORS®Workforce Housing Expo

M e s s a g e F r o m G A R

CasaGuam is Published by:

P.O. Box 24881 Barrigada, GU 96921Tel: (671) 472-3495 | Fax: (671) 472-3498

email: [email protected]

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|Publisher||Business Sales Manager|Jay-R S. Dominguez

|Display Advertising|Darrell T. PeredaDoris PangelinanJohn MendiolaEmily Untalan

|Traffic/Circulation Manager|Josie Redmond

|Production Manager|Mark S. Burke

|Graphics & Layout|Mark S. Burke

Edwin E. Valencia

|Editorial Contributors|Faye Varias Creative Services

Ryan De GuzmanElizabeth DuenasCalvin HernandezSiska S. Hutapea

Peggy Araullo LlagasBryan Stevens

Bryan J.C. SualogArlene Taitague Taitingfong

Cover Photo: Makoto Yamanoi

CONTENTSMessagefrom thePresident

By Elizabeth C. Duenase-pro®, CRS®, CIAS®,

REALTOR®Associate Broker

RE/MAX Diamond Realty10

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M a r k e t R e p o r t

Value Corner



Value Corner






F e a t u r e


They’ve gone from beacons of hope and prosperityto a sad reminder of the hard times that not just thereal estate industry is facing but the entire island.Multi-million dollar housing developments and highrises that were once bustling with construction nowsit silent, untouched and unfinished.


F e a t u r e

The market has changed tremendously, says Chris Felix, principal broker forCentury 12 Realty Management. “From 2004 through 2008 we were in aboom situation because of themilitary buildup but with the slowdown, delaysand the question of whether or not the buildup will happen at all people whowere investing in Guam have pulled out and people who were looking to in-vest in Guam decided not to,” he says.

Investors were excited at the expected revenue the buildup was expected tobring in. “Looking back, they did rush into invest,” Felix says he was also guiltyof this but would do it again. “It was the right thing to do.We were told overand over again by the federal government, by everyone, that the buildup andrelocation was going to happen. It was the right thing to do at the time. It’s apart of the risk.”

“Looking back I wish I didn’t buy as much as I did,” Felix says. “It was just afactor of risk. I would do it again.”

The military buildup was to relocate thousands of Marines fromOkinawa toGuam and was expected to pump millions of dollars into Guam’s economy.However in January, President Barack Obama signed the National DefenseAuthorization Act, which capped defense authorization $662 putting 2012military buildup projects on hold.

Then inApril Felix says the real estatemarket has seen a 15 to 20 percent dropin residential values and a drop of about 30 percent with condos. “When thedemand goes down, they supply goes up and values go down.”

Since 2007 the total number of money spent in real estate transactions hasgone down bymore than half, says Siska S.Hutapea, president of CornerstoneValuation Guam, Inc. In 2007 there were 1,763 transactions involving $684million. In 2010 and 2011 that number was in the low $300 million range.Based off the first three quarters of 2012, there have been about $340 to $360million in transactions so far.

Hutapea says there has been a slight increase in the number of transactionsthroughout 2012. In the first quarter there were 229 transactions. In thesecond quarter there were 258 transactions and 281 transactions this third

quarter. Although themarket has seen a slight increase,Hutapea doesn’t expectany significant increases in the near future.

“There have been slight increases throughout the year but I don’t expectactivity to jump significantly until the end of next year or within the next twoto three years,” she says.

Felix says is hopeful that the market will turn around within that time periodas well. “I think the market is going to turn. I really do. Sen. Webb is in favorof the buildup and he was one of the people who killed the buildup. NowWebb has reevaluated things and said it is a good thing. … I’ve started buyingagain.”

Felix is referencing Sen. JimWebb, a Democrat from Virginia. In the past hehas criticized the buildup plan but at a recent conference inWashingtonD.C.with the governor of Okinawa, he supported the buildup questioning why itwas taking so long.

Both buyers and sellers are holding off onmaking any transactions right now,saysHutapea. “The sellers are holding off on selling because they know priceswill get better. Buyers are holding because even though interest rates are atthree percent lending is a lot stricter so many people don’t qualify.”

Interest rates are the lowest it’s been for nearly 60 to 70 years and willprobably never be this low again but Felix cautions prospective investors. “Doyou have themoney to invest?Don’t go and blow your savings. That’s too higha risk. I believe you need you need to have a six to eight month reserve in thebank.”

However if you have the money, Hutapea and Felix both say it is a buyers’market right now. Hutapea says it’s a great time to buy right now with themedian price of houses at $201,500. “You just need to know what yourmar-ket is. It’s a good time for owner-occupants to buy existing homes because con-struction costs are high. You can enjoy the benefits of the existing house.”

Investors are able to purchase projects that have stalled around the island fora fraction of what was initially invested.

Murky Real Estate Market:Good Time to Buy


By Bryan J.C. Sualog


O n T h e C o v e r

Pia Marine: Boutique of Condos

Pia Marine in Upper Tumon and Pia Resort in Tumon are both conveniently located, overlooking

Tumon Bay! There are large executive studios, renovated two and three bedroom units, available

completely furnished or unfurnished. Somewonderful common area amenities include: pool, back-

up generator, work out room,mail delivery, large balconies, security guard, on site restaurant, lobby,

playground, BBQ area, tennis courts, and so muchmore!!

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Real Estate Fate!

SSome people know exactly what career they want while others seem tojust luckily fall into it. That’s what happened to Yumiko Blaisus,REALTOR® at Today’s Realty.“I first became interested in a career in real estate when we were

purchasing our second home a few years ago. My husband was working offisland at the time and I was compelled to handle most of the details of thetransaction myself,” she said.After working closely with her Realtor and observing what the job

entailed, her Realtor told her that she might have a future in the real estateindustry. Blaisus has been a Realtor for seven years now. “I truly love the fastpace and service-oriented work atmosphere of our company,” she said. … Ilove working with all different kinds of people and making sure to meettheir individual needs.”It’s difficult matching the right property with the right client but Blaisus

always rises to the challenge. “Some want to sell their land or high-endfamily housing. Some are looking to lease a smaller apartment in which tostay while working a temporary job or contract on Guam. No matter whatthe client is looking for, you have to keep inmind not just your own listing,but those of your fellow Realtors so that you can all work together towardshaving everyone satisfied at closing. It’s a tall order, but one I find mostsatisfying.”Prior to her career as a realtor, Blaisus worked as flight attendant for Japan

Airlines. She was with the company for 13 years. “It allowed me to travelthe world, experience many different cultures and left me well prepared forfuture job positions that would require strong public service skills, especiallyin multi-lingual settings such as the ones we have on Guam.”When Blaisus isn’t busy trying to meet the needs of her clients, she and

her husband like enjoy spending time with their cat and two dogs or goinghiking swimming or diving.Blaisus is fortunate enough to be have a career she is passionate about and

she doesn’t plan on slowing down any time soon.My future plans are to staywith Today’s Realty and I want to be one of the island’s top producers.“A real estate career must be built one step at a time and you can’t expect

to be making million-dollar deals until you’ve been around for a while,” shesaid. “Blaisus was able to switch careers and become very successful so for those

looking to follow in her footsteps she has this one piece of advice – herpersonal motto – “’Keep your antennae up!’ That is, always be on thelookout for potential customers. Always have in mind what is on themarket. What is the price range and how might the property fit a client’sneeds?”


P r o f i l e

Casa Guam Magazine is so helpful in keeping a sharp eye. It’s an appealingpublication that helps people find property, homes and the right REALTORS®to work with. Thanks to Casa Guam for this interview and for all they do topromote the real estate business on Guam!

“

“

Yumiko BlaisusREALTOR®, TODAY’S REALTY

Education: Studied English Literature at Seinan Jogakuhn College, Tokyo, Japan

Family: Michael Blaisus, husband

By Bryan J.C. Sualog




How to Unclog a ToiletWithout Calling a Plumber


Toilets are one of the things those of us in modern societytend to take for granted, until they don't work. Sincemostof us have eliminated the outhouse as an option (no pun

intended), when our toilets don't work things can get ugly in ahurry. The good news is that unclogging a clogged toilet is some-thing anyone can learn to do.

There are a lot of different shapes and styles of toilets but, with afew exceptions, they all work about the same. Water is releasedfrom the tank (many commercial toilets use a special valve insteadof a tank) into the bowl to flush the waste into your drainage pip-ing. Basically pretty simple, right?

The two main problems that happen with toilets are the toiletrunning (the water not shutting off after flushing) and the toiletbowl plugged (not draining or stopped up).While a running toi-let wastes water and can be annoying, if you have a toilet bowlplugged it's a little more urgent. On a scale of 1 to 10, maybe a12! In fact, one Google search term study calls most people's #1plumbing problem a plugged toilet.

Anyone can learn how to unclog a toilet. It just takes a little pa-tience and the right tools. The first thing you need to fix a pluggedtoilet is a toilet plunger. These are a little different from a sinkplunger, which looks like a rubber bowl on a stick.

A toilet plunger is designed specifically to direct the force intothe waste outlet of the plugged toilet bowl. The business end of atoilet plunger looks sort of like a ball with an opening to fit intothe waste outlet of the toilet. One type that is very effective has anaccordion like design and is all plastic, including the handle.

Theway a toilet plunger works is by filling upwithwater and thenpushing that water through the stopped up drain.When unclog-ging a clogged toilet, the idea is to plunge up and down a coupleof times so the plunger fills with water and then jam the open end,sometimes called a force cone, into the waste outlet in the pluggedtoilet and start plunging. You may have to pump the plunger upand down several times to clear the blockage.

When you are learning how to unclog a toilet youmay need to befairly aggressive with the plunger. The key is to force the water inthe plunger through the waste outlet of the toilet, dislodging the

blockage in the process. If you don't splash a little out of the bowlyou probably aren't plunging hard enough. Ever wonder whyplumbers charge so much?

This will usually be all you need to do to fix a plugged toilet.Sometimes, however, a plunger just won't do the trick. If you'veplunged a while with no success you might need to try anotherapproach. It's time to pull out the closet auger.

A closet auger is a special tool that can be used to clear an espe-cially stubborn plugged toilet. A closet auger has a short draincable, or snake, inside a metal tube that is bent on the end to aimthe cable into the waste outlet of a toilet bowl. The cable is justlong enough to get through the toilet and is connected to a han-dle the same length. You can get one of these at your local hard-ware store for as little as $10.

The way to use a closet auger is to pull the handle all the way out,insert the business end into the outlet of the toilet bowl that'splugged and crank it down into the bowl, making sure the cablegoes into the drain. When the bowl drains, flush the toilet whileyou're pulling the cable back to help clean the cable. It's a goodidea to flush some toilet paper through a couple of times beforeyou put your auger away just to be sure.

With the growing focus on water conservation more and morecommunities are requiring toilets that use less water per flush. Inspite of the best efforts of the toiletmanufacturers to increase per-formance, this is likely to continue to make our most commonplumbing problem a plugged toilet. So youmight as well go aheadnow and learn how to unclog a toilet yourself. You'll be glad youdid.

H o w T o D . I . Y .

By Bryan Stevens

About the Author

Bryan Stevens is a Licensed Master Plumber with a knack for teaching homeowners

how to do their own basic plumbing repairs themselves. He has an amazing mini-

course called "How To Unclog A Toilet And Other DIY Plumbing Tips".

Article source:

http://www.articlesbase.com/diy-articles/how-to-unclog-a-toilet-without-calling-a-plumber-417759.html



Lowmortgage interest ratesmaypresent anopportunity for you to savemoney andhelpmanage your finances. Before refinancing your mortgage, youmust carefully weighyour options and look at your overall financial status to see if it is a feasible option.

For clarification, having an existing mortgage loan does not necessarily mean you couldimmediately qualify for refinancing. Your financial situation may have changed from thetime you purchased the home to now. For example, increased debt, decreasedincome, or a lower credit scoremay adversely impact your qualification.

The typical refinancingprogramsare a straight refinance anda cash-out refinance. A straightrefinance is the most common where you pay off your existing mortgage and open a newmortgage with new rates and payment terms. A cash-out refinance leverages the equity inthehomeandallows thehomeowner to take someof the cashout anduse it forotherpurposessuch as consolidating bills or funding a home renovation, college tuition, wedding, orchristening party.

For people with a VA loan, the VA has a streamline rate term refinance program calledInterest Rate Reduction Refinance Loan (IRRRL) may allow veterans to refinancewithout the requiring an appraisal.

Advantages of refinancing include:• savingmoney by lowering yourmonthly payment• lowering overall interest payments• shortening the loan terms• Consolidating higher interest debt.

In some cases, refinancing to a new 30-year mortgage combined with lower interests mayspread the cost of the loan over a longer period thereby allowing somebreathing room topayoff your existing bills.

Some considerations when refinancing include taking into account the closing costs. Thesecosts can include title fees, insurance premium changes, loan origination fees,discountpoints, appraisal fees, andpre-paymentpenalties onyour existingmortgage. Thereare also risks to consider when transferring your unsecured debt such as a credit card orpersonal loanbalance to a secured loan inwhich the collateral is yourhome. If you fail topay,then you face the possibility of foreclosure.

If you are considering selling your home in the near future, then refinancing may not be theright option as the additional cost of refinancingmay reduce the profits from the sale. But ifyouhavenoplans to sell in thenear term, the cost of refinancing can certainly beoffset by theincreased savings from the lower interest rates. Your lender can help you decide.

If you decide to refinance, the process is similar to purchasing a home. Here are some tips toget you started.• Talk to your lender and provide your current mortgage terms and current

balance• Lenders can calculate cost and savings• Make sure youget yourdocuments ready. Check stubs covering a30-dayperiod

and two years filed tax returns withW-2s provide proof of income. Obtain a copy of yourhazard insurancepolicy andgathermonthlypayments andbalances of your credit cards, auto,student and personal loans. Make sure to avoid incurring new debts such as in-store creditcards, pre-approved credit cards, or purchasing a new car. If you are thinking of applying forrefinance, avoid changing jobs as lenders typically look at 2 years work experience to look atstability of income. Changing job status to retirement or occupational field may reducelenders confidencewith your job stability or capability inmaintaining the new and untestedposition.

If refinancing is something you’re considering, contact your lender todiscuss suitable options.With interest rates at historic lows, this is a good time to ask the question.

Refinancing

H o m e F i n a n c e

By Calvin Hernandez



Didyou know that you can fix a leaking shower faucet and savehundreds of gallons of water in one year? Most people justthink of a dripping faucet as an annoyance and don't realize how

much precious water is being wasted one drop at a time. The good newsis that almost anyone with a few basic tools can learn how to fix mostdripping faucets.

Let's start with the basics. Faucets have one primary purpose, to allow thewater in your pipes to be used in a controlled manner. This means thatthey have to open to allowwater out of the pipes and close to keep waterin the pipes. Not rocket science, right? The closing part is what we wantto concentrate on here.

There Are Two Basic Faucet DesignsFaucets drip when they fail to completely trap the water in the pipes.Most faucets use one of two basicmethods to stop the water flow. Some,primarily older designs, use rubber or neoprene washers which tightenagainst a "seat" and block the flow of water. Drips from these faucets areaddressed by replacing the washers and/or seats. We'll talk about howto do that in a minute. Most other faucet designs involve some sort ofcartridge. Some people call these "washerless" faucets. Repairing newerstyle water faucets like these usually involves replacing the cartridge(s).

Washers And SeatsOlder faucet designs often use washers to block the water and keep it inthe pipes. Tightening the handle compresses the washer against a "seat"and seals the opening, thus stopping the water flow. If you need to do abathtub faucet repair on a three< handle wall faucet you probably havethis type. You will also run into this style if you need to fix a leakingshower faucet that has two handles.Many sink and lavatory faucets alsouse washers.

One way to tell whether or not your faucets use washers is to see if thehandle gets harder to turn as you turn it off. If turning it really tight stopsthe drip, this probably, but not always, means that you have washers. Ifyou do have a dripping faucet that has washers, the basic repair processis very similar whether you need to know how to repair a showerfaucet,repair a leaking tub faucet or fix a dripping sink faucet. There is,however, one important difference.

Bathtub Faucet RepairThe one critical thing to remember when fixing a leaky bathtub faucetis that you will have to turn the water off to the entire house beforeremoving any parts other than the outer trim pieces. If you're not surewhich pieces are trim, just turn the water off first just in case. Once youhave turned off themain water to the house you can begin taking thingsapart. There are lots of different brands and designs of faucets out thereand they all come apart a little differently, so you will have to sort of feelyour way through.

Removing The TrimThe first step is to remove the handles. This is usually done by removinga cap to expose the handle screw and then removing the screw. Next,remove the handle. Thismay require a little finesse, as the handles some-times get stuck in place. One trick is to place the handles of a pair ofchannel lock pliers behind the valve handle, one on each side, and tapevenly on the handle to nudge it loose. If this doesn't work you can buya special tool to remove handles but these tools are sometimes hard tofind and usually a little patience is all you need to do the trick.

After he handles are off, there is usually some sort of sleeve over the stemitself. This typically has to come off too. Once again, there are manydifferent configurations. One popular design uses threaded plastic tubesto connect the trim sleeve with the valve. Other types have the sleevethreaded directly onto the valve. You will have to figure this step outbefore you can proceed. If you can determine what brand valve you havethere is a good chance of finding instructions on-line.

Now For The Root Of The ProblemOk, so you have removed both the handles and any remaining trim sleevefrom the valve. Now you are ready to get to the root of the problem, yourvalve stem. The washer is almost always at the other end of the valvestem from the handle. Usually the stem is threaded into the valve bodyand you will just need to unscrew it to remove it. Here's a tip. Stick thehandle back on for a second and open the valve half way. This relievespressure on the stem and makes it easier to unscrew.

Bathtub Faucet RepairTips and Techniques

H o w T o D . I . Y .

By Bryan Stevens



Now you just need to make sure you are loosening the correct nut. Lotsof valves have a packing nut around the stem. It is usually a little smallerand just in front of the actual connection with the valve body. Thepacking nut's purpose is to squeeze some special packingmaterial aroundthe stem to prevent water from leaking around the stem when the valveis in use. Loosening the packing nut won't help you, you need to get yourwrench on the actual connection to the valve body. By the way, a deepsocket is often the only tool that will work to remove the valve stem.

Removing The Valve StemThe easiest way tomake sure you have the correct nut is to see if there isa gap opening up between the nut and the valve body as you loosen thenut. The valve stem itself will also usually turn when you have the rightone. If you have loosened the packing nut by mistake, don't worry, youwill adjust it before you are finished anyway. Go ahead and remove bothstems and keep up with which one is which, it matters on many valves.

After you have the stems out you should be able to find the washer onthe "inside" end. If it is nicked, torn or brittle it is likely the cause of yourdrip. Even if it looks brand new, go ahead and replace it. You've alreadycome this far. You can get replacement washers at almost any hardwarestore. Sometimes you may want to replace the whole stem, especially ifthe handle end is stripped out. It's best to just take the stem with you tothe store and see if you canmatch it up.Most Do It Yourself stores havereplacement stems for many popular brands. If your valve has a centerdiverter valve to switch the water from the tub spout to the shower headthe same process applies. Many times it is easier to replace the diverterstem than to repair it. This really depends on the design of the stem.

How Are Your Seats?Onemore thing to check is the seats. These are the part of the valve bodythat the washer tightens up against to stop the water flow. If you can getyour finger inside the valve, feel of the seats and see if they feel rough. Ifso, it would be best to replace them if you can get them out. The insideof the seats, which is where the water flows through when the valve isopen, usually have either a hex or square recess. Special seat wrenchesare used to remove the seats. You can usually get these wrenches at thesame place you get the other parts and they're not expensive. You juststick the wrench through the seat and unscrew it. The replacement seatsscrew back in the same way, just put a little pipe dope on the threadsbefore you install it.

Put It All Back TogetherOnce you've figured out what needs to be replaced and have done that,you just need to put everything back together. If your valve has packing

nuts don't put the trim back on until you have turned the water back on.Once the water is on, go ahead and stick the handle on for a second andopen the valve. Make sure no water is leaking around the stem. If it isleaking, with the handle opened half way, snug down the packing nutuntil the leak stops. Easy does it. If you get it too tight the handle will behard to turn. Now finish installing the trim pieces and you are done.

Repairing Newer Style Water FaucetsIf you have a newer, "washerless" type valve the repair process is similar,but usually easier. Many of these type valves use a self containedcartridge. If the valve starts to drip, just replace the cartridge and you'redone. You still need to turn the water off and remove the handles andtrim. The cartridge is usually held in place by a retaining nut on the valvebody or, in the case of most Moen valves, by a retaining clip. Simplyremove the cartridge and put another one in it's place. If your hot andcold are backwards when you finish, turn the water back off, pull thecartridge back out, turn it over 180 degrees and re- install it.

Delta Style ValvesOne other common design that is considered "washerless" was madefamous by Delta and copied by several other makers. It uses little "cup"seals that fit over springs recessed in the back of the valve body. Thesprings press these "seals" against the cartridge and regulate the flowthrough little tapered openings in the cartridge. If you have one of theseand it's dripping, changing these springs and seals will usually correct it.Here's a tip. Once you have the cartridge out of the way, insert a phillipsscrewdriver into the seal and pop both the seal and spring out. Stick thenew ones on the end of the screwdriver to help guide them into place.This is especially helpful if you don't have long slender fingers.

Delta, and a few imitators, also have a faucet design that uses a ballinstead of a cartridge. This is not as common in tub or shower valves butthere are plenty of them out there. The springs and seals are the samebut there are lots more o-rings and parts to deal with. The good news isthat these parts are readily available.While it's a little more complicatedthan learning how to repair a Moen kitchen faucet, which is a piece ofcake, it is still easier than working with most washer type faucets.

These TechniquesWork In The Kitchen TooArmed with the knowledge you've gained in this article you now notonly know how to repair a shower faucet and to repair a leaking tubfaucet, but you can apply these skills tomany other faucets as well. Afterfixing a leaky bathtub faucet, stopping a dripping outside hose faucetwill be a breeze. The techniques that you will use to complete a"washerless" bathtub faucet repair can be usedwhen repairing newer stylewater faucets of all kinds.Whether you have an old dripping tub faucetor a newer kitchen faucet that just won't quite shut off you can now fixit. So put these new skills to use, roll up your sleeves and stop that drip!

About the Author

Bryan Stevens is a Licensed Master Plumber with a knack for teaching homeowners

how to do their own basic plumbing repairs themselves. He has an amazing mini-

course called "How To Unclog A Toilet And Other DIY Plumbing Tips".

Article source:

http://www.articlesbase.com/diy-articles/bathtub-faucet-repair-tips-and-techniques-449701.html



F r o m t h e E x p e r t s

o you want to sell your home intoday’s local real estate market?Well, this article is just for thosethat do. Even in a challenging andunpredictable economy there are

some fundamentals you should know aboutselling your home that really haven’t changed.Thesemethods have been tried and tested overthe years with tremendous success. Here are 5tips to get you sold, but not necessarily in thisorder and not at all exhaustive.Number 1. Find yourself an exceptional

Broker/Agent, unless you have one already inmind. You need a Real Estate professional youcan truly trust, one who is motivated to sellyour home, one with adequate knowledgeof the local market and one with hands onexperience. Availability is also important tooto answer your questions, concerns and onewho can really embrace your objective as theirvery own. The Guam Association of Realtorsis 414 (2011) members strong. Members ofGAR are also members of NAR, the NationalAssociation of Realtors, who are 1,009,940(2011) members strong and North Americas'largest professional trade organization.REALTORS® adhere to a strict Code of

Ethics and must also complete a reasonableamount of continuing education credits/annualtraining, in order to receive, renew and/ormaintain their business license. This ensuresthey are always up to date on all the latesttrends, rules and regulations to sufficientlysatisfy your real estate needs. You can visit:www.guamrealtors.com for a complete listingof local Brokers and Agents today.Before putting your home on themarket for

sale it is extremely important that you,Number 2. Determine a reasonable market

value. Some Sellers like to shoot straight for thestars and right fully so. Every Seller I knowwants to get the best price, as soon as possibleand with the least amount of inconvenience.Realistically speaking you can only get as

much as what a Buyer is willing to pay in cashor what the Bank is willing to lend in order tomake the purchase possible. Get an Appraisaldone by a local licensed professional, if you can,to determine the property value. Appraisers

charge about $585 or less for a private reporton a single family dwelling homewith less than2,000 square feet of living area and can be com-pleted within 10 working days (Robert &Robert and Pacific Island Appraisals).Another feasible option is to have your

Broker Agent give you a CMA (ComparativeMarketing Analysis) or BPO (Brokers PriceOpinion) using comparables directly found onthe MLS (Multiple Listing Service). Startingwith a reasonable and realistic list price allowsyour home the best opportunity of selling asopposed to other homes that are overpriced andend up sitting on the market for far too long.Number 3. List your home on the

MLS (Multiple Listing Service). Much of theislands’ available inventory along with detailedinformation can be found in one data baseright on the MLS.Due to advanced technologymore andmore

Buyers are surfing and shopping the Internetand going online for goods. The search rangesfrom common household goods, to designerclothing, to automobiles and yes even to realestate investment, raw land and homes.Convenience seems to be the key becausewe

live in a busy societywhere every second counts;time is a luxury we cannot afford to waste.List your property on the Multiple Listing

Service. There are over 400 Guam Realtors®who have access to this dynamic resource, notto mention the hundreds of prospectiveBuyers already out there surfing and navigatingthrough our websites right now!Number 4. Get maximum exposure by

advertising your home in CASA Guam, thebest local real estate magazine available; usenewspapers, multi-media, social networkingsites, decorate your home, stage it and do anOpenHouse, distribute flyers, exercise word ofmouth, and arguably the best technique of all issimply put up a yard sign. If it’s for sale peopleneed to know about it. Some methods maywork more effectively than others, dependingon your situation, but using multiple methodsor a combination thereof simultaneously canonly get you sold sooner than later.Number 5. Lastly, offer incentives. Help

them with credit back at the close of escrow if

you can. Get creative.Most Buyers do not haveenough money saved up to handle the closingcosts (Down payment, appraisal, escrow fee,title insurance, etc,), even if they can managethe monthly mortgage payments and qualifyfor a 100% financing program, RD (Rural De-velopment) or VA (Veterans Administration).They may get pre-qualified or better,

pre-approved for a decent amount, but alwayswith strict terms and conditions attached,excellent credit, stated income enough tomakethemortgage payments andmoney in the bankto actually close the transaction. Provide thebasic appliances or offer a credit back so yourBuyer will not have to spend again on top ofthe closing costs. These out of pocket expensesadd up quick, not including utility transfers,cable, telephone, Internet connections andtrash collection, every penny counts.Utilize these 5 helpful tips and get your

home sold. I guarantee they work. They havefor me:1) Select a REALTOR® to help you!2) Determine the fair market value before

you list your home for sale.3) Get it onMLS asap. <None>4)MaximumExposure throughall advertising

avenues, at the very least put up a yard sign.5)Offer Buyer incentive to help out with out

of pocket expenses because it can actually closethe deal.Please e-mail: [email protected] or

call 797-2721 for a free consultation!

5 TIPS TO GET YOU SOLD!

DBy Ryan De Guzman

Assoc. Broker/ Realtor®




Secure Your Home and Valuables withCost-Saving Measures

Along, long time ago, andmany years past, we used to be able to leaveour doors unlocked while we worked outside in the yard or took anap inside on the couch. Our valuables like keys and purses were in

plain sight if one passed our windows. We used to leave our windows openso that we could capture that wondrous air flow and have it circulatethroughout our homes without the fear of intrusion. It was a time whenchildren played outside or at each other’s houses, camped out in theirsleeping bags on the beach or in their backyard under the stars. There wasno sense of danger if they played outside until dusk. All was safe within thevillage radius. Burglars, rapists, vandals and the like, were people who wethought would never reside in Never-Ever-Here land.

Security. It means a lot to many. Times have changed and our island ischanging with it. People from all walks of life pass through or reside in ouronce quiet and simple island. It seems recently, rash of crimes have beensweeping our island. We find that we have to be observant of oursurroundings, mindful of where the kids are and be not forgetful oflocking our doors and windows of cars and homes.

Security. Is it affordable? If you can’t afford a full out security system, hereare a few ideas that are inexpensive and simple.

Kick proof your doors.Many burglars kick in doors to get in. But unless yourdoor is hollow, the door is not what's allowing burglars easy entry. ConsumerReports tested solid-wood, fiberglass, and steel doors with increasingly hardblows from a battering ram and found little difference among the doormaterials. All eventually failed because the doorjamb split near the lock'sstrike plate. You can strengthen any exterior door by using a 1-inch-longdeadbolt lock and a reinforced metal box strike. The latter cost about $10.Use 3-inch-long screws tomount them so they lodge in the framing beyondthe doorjamb. And don't overlook the door that leads into your house fromthe garage or carport.

Choose the right locks. About two- thirds of the keyed door locks tested,managed to withstand a kick-in test; others needed a reinforced strike plate.Consumer Reports found that the brands,Weslock 671 ($45e) and EmteckLow Profile 8455 ($36e) were ranked Best Buys among keyed locks. High-security locks from Medeco, which cost about $175, also resisted drillingand picking. Remember to use a pull-apart key chain so your home keysstay with you when your car is valet-parked or serviced.

Secure glass areas. Security or safety window film can resist blows of up 400foot-pounds, (oooo, sounds like this can double as a typhoon proof tip)according to manufacturer claims. 3M's 28-ply Ultra Safety and SecurityClear Window Film costs $7 to $9 per square foot or about $105 to $135for a 3x5-foot window. It should be installed by a pro, which will add to thecost.

Beef up existing window locks by inserting removable eyebolts in holesdrilled into the sash where they overlap, or by adding locking scissor gates orfixedmetal grilles. Finally, secure window air conditioners with sturdy screwsthrough wood or metal framing elements so burglars can't push them in. In

all cases, check that added barriers won't violate fire-safety codes ormanufacturer warranties.

Keep it bright. Illuminate areas around doors, windows, and blind spots.Install lights high upon exterior walls so they can't easily be disabled. Testshave found that solar-powered lights are too dim to provide enough lightfor security. But easy-to-install, low-voltage light systems and pro-installed,120-volt lights can be connected to motion detectors and whole-housesecurity systems. Compact fluorescent lightbulbs made for outdoor usesaved energy and outlasted regular bulbs in our tests, so you won't have tochange them as often. But they take longer to reach full brightness and theydon't all work with motion- or light-activated fixtures, so read the package.

Landscape wisely. Tall foundation plants or high fences can provide coverfor criminals. Trim tree branches thatmight provide access to windows, roof,or skylights. Gravel beds around the house make it easier to hear anyonelurking outside.

Man’s Best Friend. Most dogs bark when there is a disturbance or noise.They are able to sense when someone drives up or approaches your house.Try to identify their bark and differentiate if the bark identifies a familymember coming home or if it’s a stranger visiting or worst yet – an intruder!Whether your dog is big or small, they all have a keen sense. It’s the mostinexpensive alarm you can have – unless you have a mastiff (they eat a lot)!

Remember, we are in charge of our own castle - no matter if it is a studioapartment or a mansion on the hill. Let’s take the initiative to make betterarrangements in keeping our family and home safe. Check out nextmonth’sissue. I will cover security systems. Until then. . . keep safe Guam.

By Arlene Taitague Taitingfong

C u r b A p p e a l



W h o Y a G o n n a C a l l ?



C l a s s i f i e d s

Commercial Rentals

Dededo

106 East Sta. Barbara, Dededo 4bed/1 bacorner house, fenced, and gated. Cen-trally located close to church, school andmalls. Asking $1,200/month. Call MYRNA

@ 488-0144

Ordot-Chalan Pago

Commercial space for rent. Approx 2155sq ft. Ideal for laundromat, bakeshop,video store or retail business. Asking

$2,500/mo. Please call ANGIE @ 727-2228

Commercial space for rent. Approx 850sq ft., video store or retail business. Asking$850/mo. Please call ANGIE @ 727-2228

Tumon

Fountain Plaza for Rent: Finally primecommercial space in the much desiredFountain Plaza. Own your very own busi-ness amongst the likes of many long timeestablished busibesses already patroningthis plaza. Where can you go wrong, SanVitores road frontage with ample space,there are no lossers and YOU are the win-

ner. Asking $2,700/mo. Please callDANIEL @ 687-5422

Residential Rentals

Agat

3 bedroom / 2 ba house, close toschools, stores, beach and church. Ask-ing $1250.00. Call 649-8265 or 888-7447

Asan

Asan Beach House Newly Renovated,Fresh paint and ceramic tiles. Asking:$2,200.00/mo. Call FRANK @ 479-4663

Asan 3bd./2ba. Ocean Views Newly Ren-ovated - All ceramic tiles. New a/c's. Ask-

ing: $1,900.00/mo. Call FRANK @479-4663

Barrigada

2b/1b, near Subway with water $830/mo.Please call 637-7165 / 688-0887 / 689-3333

Dededo

Moving Soon? Nice 4 bedroom, 2 bath,gated carport, porch in front, A/C, greatlocation, near Marine Corps Dr. Feel at

home, Call 637-0222 today!

Houses – 4bd/3ba, 2 car garage,appliances, central a/c, secured entry,

gated community & 3bd Ypaopao Estateshome, carport, renovated, $1300/mo482-6252/777-3728 MLS 12-2432

Houses - 3bd/2ba, carport, a/c,appliances, $1300/mo &

Paradise Estates home 3bd/2ba, 2 cargarage, appliances, central a/c, secured

entry, gated comm,482-6252/777-3728 MLS 12-1255

3Bd/2Bd/1Bd located nearschools/church/store and front of parkSemi-Furn. Sec.8 & Military OK. Pls. leave

message at 727-6456

Dededo Villa Rosario - Spacious3BR/2BA W/D, Pool, Security, Mailbox

$1,650.00

3Bd/2Bd/1Bd located nearschools/church/store and front of parkSemi-Furn. Sec.8 & Military OK. Pls. leave

message at 632-1200

Mangilao

Nice house on a cul-de-sac street in LatteHts. 4 bedrooms, 2 baths with all ceramictiles and split a/c units per room. Newerkitchen counters and appliances. Fencedback yard. Has always been leased to mil-itary personnel for their tour on Guam.Asking $2,100 / month. Call DEANNA @

688-2855

Tamuning

Beverly Palms: 3bd/2ba, 2 story condounit, w/pool, semi-furnished, appliances,high ceilings, & nice open floor plan

BUY SELL or RENTwww.GUAMLISTINGS.com

482-6252/777-3728 MLS 12-2250

Condo units - 3bd/1ba, renovated,$1100/mo & 3bd/2ba excellent cond.

$1700/mo BUY SELL or RENTwww.GUAMLISTINGS.com

482-6252/777-3728 •MLS 12-509 & 12-523

Popular Pia Marine 2 bedroom 2 bathunits available for Month to Month

Rentals. Utilities/Furnitures included withcleaning services. $2400.00.

Call Nick @ 689-2939.

Tecio Tumon Villa: Nice two bedroom twobath condo located in Tumon. Condo isjust a walking distance to the beach,

stores, restaurants and nightlife. Asking$2,100/month. Call VIC @483-7518

Tumon 2bd / 2 ba + Den. excellent condi-tion. Asking $1200. Please call 637-7165

/ 688-0887 / 689-3333 / 477-7042

Tumon Penthouse for Lease: A Rare Pent-house, Oceanview unit is now available.This large 2 bedroom 2.5 bath Condowas upgraded and is in like new condi-tion. Security, Full Back-up Generator,

Pool, 2 parking all go along with your de-sire for the ''good life'' while on Guam.Water included. You CAN have thedream. Asking $3,800/month. CallDEANNA @ 688-2855 MLS 10-744

San Vitores Terrace Condo: 3bd/2ba, 3rdfloor unit with oceanview, upgraded unitwith new carpets, pool, security and basiccable TV. $1800. Call Coral Sea Realty

649-6088

Yigo

Executive 2-story house with a greatview, fully fenced and a quiet

area. 5bd/3ba w/ 2 huge balconies. SSappliances, wash/dry, 2-car garage. Huge

storage shed, a must see, MilitaryOK! $3500/mo. Call Joe @ 483-3333!

Perez Acres: 4 bedroom, 2 bath with pool& playground. Corner unit. Asking

$1,900/month. Call SANDY @ 687-6006

Perez Acres: 3 bedroom / 1.5 ba town-house with extra room great for familyroom or office, gated and secured com-munity, pool, mail delivery. Asking $1900 .

Call CORAL SEA REALTY 649-6088

Residential SalesBarrigada

Barrigada Large 4BR/2Ba 1800sqft.House Only 243,000

637-7165 / 688-0887 / 689-7900

3BD 2BA home with a spacious livingroom, wood laminated floors, landscapedgarden, and more! Asking only $255K

Call MAJUNI @ 689-2583

Dededo

For Sale By Owner

Summer Palace Estates

Located close to Cost-U-Less in Harmon

4Bd/2.5Ba 2100 Sq. Ft. Home located in

a secured gated community with swim-

ming pool, tennis court, and playground.

New granite countertop and tile floor

throughout with typhoon shutters.

$440,000.00 Please call 777-0951

3bd/2ba townhouse, 2 story, central a/c,

typhoon shutters, excellent cond.

$195K BUY SELL or RENT

www.GUAMLISTINGS.com

482-6252/777-3728 MLS 11-4372

Houses - 3bd/1.5ba, carport, renovated,

appliances, & a/c Asking $195K &

3bd/2ba, huge yard, Asking $179K

BUY SELL or RENT

www.GUAMLISTINGS.com

482-6252/777-3728 MLS 12-2579

Paradise Estate Home - 3bd/2ba,

2 car garage, appliances, central a/c,

typhoon shutters, secured entry,

gated community, Asking $274,900

482-6252/777-3728 MLS 12-2026

Mangilao

Latte Heights House with 3 br / 2 ba, ideal

location w/ carport, fully fenced, gated,

spacious yard w/ patio. Asking $200K.

Please call ANGIE @ 727-2228

Mongmong-Toto-Maite

Exceptional 3bd and 3.5 ba home Enjoy

the view, separate refrigeration and stove

for the person who enjoys cooking, the

pool and the great central location.

Asking $630k Call JUDY @482-7775

Ordot-Chalan Pago

Quiet, Private, and centrally located 4

bedroom 3 bath house on a 1/2 acre lot.

this would be great if you enjoy your pri-

vacy and appreciate being close to shop-

ping malls, grocery stores, and schools.

Asking $315,000. Call JOYLYN @

488-5069 for a showing. MLS 10-2077.



Apusento Gardens Condo : Great pricewith seller financing. Just like you pay

monthly rental, without bank fees. Down-payment is required. Asking $105k. Call

JAMES @482-0498

Talofofo

Fairly new 3BD 2BA home equipped withsecurity, 2 car garage, covered backpatio, and more. Priced at only $283K.

Call MAJUNI @ 689-2583.

Tamuning

Condo units - 3bd/1ba, renovated, $125K& Agana Beach Condo, 3bd/3ba,

beachfront, bank foreclosed, appliances,split a/c units, $500K482-6252/777-3728

MLS 12-1565 & 12-1621

Private and secluded Tamuning 3bed/1bahouse with partial ocean and city view. Re-cently painted and upgraded with ceramictiles, french windows and accordion ty-phoon shutters. Fenced and gated, andcomes with 4 split A/Cs'. Asking only for

$229K. Call MYRNA @ 488-0144

TAMUNING Executive 2 StoreySpacious House for Sale by Owner. Greatlocation beside Cost-U-Less Tamuningand GPO. Great lifestyle and communityenvironment with 5 bd/3ba corner lot;

nice sized bd on 1st and 2nd flr; luxuriousmaster suite w/ jacuzzi spa tub; qualitygranite staircases; hardwood railings;crown molding all over the house

with open spacious kitchen and stainlesssteel appliances. Please call owner/lv

msg at 727-6456.

Tumon

Nice 2 and 3 bedroom condo withpanoramic ocean view and city view andwaliking distance from the shops andhotels. Please call George 483-9111

Century 21 CR.

Yigo

Executive 2-story house with a great view,fully fenced and a quiet area. 5bd/3ba w/ 2huge balconies. SS appliances, wash/dry,2-car garage. Huge storage shed, a mustsee! $425K Sale. Call Joe @ 483-3333!

Yona

Winward Hill Estates: Lovely 4 bedrooms /2.5 ba with beautifully upgraded kitchenand bathrooms, nicely appointed living &dining spaces & bedrooms. Large, wellmaintained yard with lots of gorgeousplants, flowers, trees and a cozy veran-

dah & spacious tool shop in the middle ofit all! Come see this beauty in Yona. Ask-ing $289,000. Call MARILOU @ 988-5600

Newly renovated 4BR 2BA house with ahuge covered patio on a 2,233sm lot. Call

VIC today @ 483-7518

Baza Gardens - $169,000 - Best Deal! 3BR 2BA corner lot home in great condi-tion - call for details...Asking $169,000.

Call LIZ @ 687-0911

Land For Sale

Chalan Pago

Chalan Pago LAND FOR SALE Wow!What a view you have to take a look atthis large lot. Come see and fall in love!

Only $210K. Call Century 21Commonwealth Realty @ 649-2121.

Dededo

Dededo Land 18585± Very Nice $85,000637-7165 / 688-0887 / 689-7900.

Dededo Lot with a fabulous viewoverlooking the city. Great potential for

future development. $400K.Call HANA @ 777-3660

Merizo

Enjoy the view when you build on close to1 acre of property located on Guam'scountryside fronting Route 4. Great size

and great potential. Only $60K.Call JOYLYN @ 488-5069

Piti

Turner Rd. - Channel 10 - (Nimitz Hill) Piti.151,508 sq. meters of unobstructed

ocean views Asking: $2,300,000.00 CallFRANK @ 479-4663

Tamuning

R-2 Lot Call 646-7137

C l a s s i f i e d s


REALTORS® remain committed to keeping the dream ofhomeownership alive for generations of Americans to come.Ask if your agent is a REALTOR®.The Guam Association of REALTORS® …your “voice for real estate”.

Visit our websites atwww.guamrealtors.com and www.guamhousingprograms.com

WWe would like to extend our sincerest appreciation to the following participants that shared their valuable time,knowledge and expertise with the public during the housing expo, Saturday, October 27th, 2012 at the center court

of the Micronesia Mall.

Guest Speaker: Senator Tine Muna Barnes

Presenters:

*REALTORS® Liz C. Duenas, 2012 GAR President, Chris K. Felix, GAR National Director and Louisa Wessling, GAR

State/Local Director *Dominic Cruz of ANZ Guam *Lin Manalo of First Hawaiian Bank *Owen Lorzano of CITIBANK

*Donna Aguon of Community First Guam Federal Credit Union *Calvin Hernandez of Bank of Hawaii *Mark Winans from

the office of Veterans Affairs-Guam *Thomas Flores of GWA *Art Perez of GPA *Joe Diego of USDA *Mary Guerrero of

Guam Housing Corporation *Carlos Camacho of Micronesian Community Development Corporation *Jose Castro of Title

Guaranty of Guam *Jason Crandall of Guam Home Inspections *Bruce Dinsman of Pacific Island Appraisals

*Efren Santos, Surveyor *Kim Young of Security Title & Inc. *Arlene Tan of Moylan’s Insurance *Aileen Kier Alfred of

Pacific American Title Insurance & Escrow Company *Paul Daniel Calvo of Calvo’s Insurance Underwriters Inc.

Exhibitors:


C l o s i n g

Message from theExecutive Officer

By Peggy Araullo Llagas

The Guam Association of REALTORS® Workforce Housing Expo

For More Information Contact:

Peggy Araullo Llagas, Executive OfficerGuam Association of REALTORS®

Suite 236A Julale Center424 West O'Brien Drive, Hagatna, Guam 96910Tel: (671) 477-4271 • Fax: (671) 477-4275

Mobile: (671) 689-4271 • www.guamrealtors.com

DIAMOND REALTYDIAMOND REALTYDIAMOND REALTY

New Prudential Realty

Last but certainly not the least, our event sponsor, IT&E Guam for their valuable support of the Guam Association ofREALTORS® Workforce Housing Expo.

Special thanks to the following:PDN, the Sorensen Media Group and the management & staff of the Micronesia Mall.


Tumon $205K1Br/1Ba #12-4183

Dededo $159,9993Br/2Ba #12-4133

Yigo $429K4Br/3.5Ba #12-4079

Yona $215K4Br/2Ba #12-3952

Agat $140K2Br/1Ba #11-4490

Dededo $225K3Br/2Ba #12-3490

Dededo $295K4Br/3Ba #12-2737

Dededo $235K3Br/2.5Ba #11-3852

Tamuning $590K3Br/3Ba #12-1835

Dededo $99K3Br/2Ba #12-4142

Mangilao $79K2Br/1.5Ba #12-3915

Tamuning $155K1Br/1Ba #12-3890

Hom

es&

Con

dos

We speakRussian, Farsi, Chinese, Korean,Japanese, Filipino, and Chamorro

facebook.com/Century21CommonwealthRealty

RENTALSAgana Bay Condo, Hagåtña - 3Br/2Ba - $2,500 - #12-1696

Alupang Cove Condo, Tamuning - 2Br/2Ba - $2,100 - #12-957

Perez Acres Townhome, Yigo - 3Br/1.5Ba - $1,900 - #12-2610

Akaide St., Barrigada - 2Br/1Ba - $900 - #12-3512

MongMong-Toto-Maite - 3Br/2.5Ba - $1,500 - #12-2499

168A Consolacion Ct., Asan - 2Br/1Ba - $2,200 - #12-4019

Flora PagoCondo,Ordot-Chln Pago - 3Br/2.5Ba - $2,200 - #12-3883

187 Aurora St., Dededo - 4Br/2Ba - $1,500 - #12-4088

230 W. Soldedad St., Hagåtña - 1Br/2Ba - $1,500 - #12-4230

230 W. Soldedad St., Hagåtña - Studio - $1,000 - #12-4229

Holiday Tower Condo, Sinajana - 2Br/2Ba - $1,700 - #12-4231

106 Chln Ahi St., Dededo - 4Br/2.5Ba - $2,450 - #12-4292

Scharf St., Piti - 2Br/2Ba - $750 - #12-2689



Villa Pacita Estate, Yigo - 3Br/2Ba - $1,100 - #12-202

Familian McDonald, Yona - 3Br/1Ba - $1,100 - #12-4116

Chln Binadu, Yona - 4Br/2Ba - $2,200 - #12-3225

Rt. 16 Army Dr., Barrigada - 1,000sft - $950 - #12-3835

Pago Plaza, Ordot-Chln Pago - 1,100sft - $1,400 - #12-3867

LANDOff Route 4, Inarajan - 2,280sm - $45,000 - #12-3367

Chln Ping Pago, Ordot-Chln Pago - 1,864sm - $65,000 - #12-628

Chln Umasodda, Dededo - 1,858sm - $65,000 - #12-4044

Route 4, Ipan Talofofo - 1,370sm - $95,000 - #12-4077

Perez Heights, Talofofo - 1,858sm - $110,000 - #12-4112

Laguina Estates, Yona - 947sm - $89,000 - #12-4075

As Cepeda, Yona - 1,154sm - $40,000 - #12-4251

As Cepeda, Yona - 929sm - $50,000 - #12-4250

Chln Nganga, Ordot-Chln Pago - 1,784sm - $35,000 - #12-3574

Sgt Quenga St., Santa Rita - 606sm - $39,000 - #12-3885

Chln Adams St., Yigo - 1,858sm - $69,000 - #12-1654

Tamuning $750KCommercial #12-4181

Tamuning $1,020,000Multi-Family #12-1955

Tamuning $4,800,000Commercial #12-458

Hagåtña $1,475,000Multi-Family #12-413

Commercial & Multi-Family

Dededo $449K4Br/3Ba #12-4240

Dededo $169K3Br/2Ba #12-4286

Dededo $325K4Br/3Ba #12-4242

Yona $175K3Br/1Ba #12-4115

Barrigada $395K4Br/3Ba #12-3866

Tumon $380K4Br/2Ba #12-3687

Agat $215K4Br/2Ba #12-3545

Barrigada $449K4Br/3Ba #12-3853



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