When Is a Real Estate Agent a REALTOR®?
A real estate agent is a REALTOR® when he or she becomes a member of the NATIONAL ASSOCIATION OF REALTORS®, The Voice for Real Estate®, the world’s largest professional association. The term “REALTOR®” is a registered collective membership mark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION OF REALTORS® and abides by its strict Code of Ethics.

Founded in 1908, NAR has grown from its original nucleus of 120 members to more than 1 million today. NAR is composed of REALTORS® who are involved in residential and commercial real estate as brokers, salespeople, property managers, appraisers, counselors, and others who are engaged in all aspects of the real estate industry.

Members belong to one or more of 1,700 local associations/boards and 54 state and territory associations of REALTORS® and can join one of our many institutes, societies, and councils. Additionally, NAR offers members the opportunity to be active in our appraisal and international real estate specialty sections. REALTORS® are pledged to a strict Code of Ethics and Standards of Practice.

Working for America’s property owners, the NATIONAL ASSOCIATION OF REALTORS® provides a facility for professional development, research, and exchange of information among its members.

Falling Behind on Your Mortgage Payments?

	Falling Behind on Your Mortgage Payments?
	Please ACT NOW!Improve Your Chances If you’re a homeowner who’s falling behind on your mortgage payments, please — ACT NOW! Call your lender or loan servicer today. The telephone number is listed on your mortgage bill and on the year-end tax statement you receive from your lender. If you take action now, you improve your chances of working out your situation with your mortgage lender or loan servicer. For example, depending on your situation, you may be able to incorporate missed or late payments into future payments, re-work the terms of your loan, or refinance into a different loan with payments you can more readily handle. The important thing is to take action immediately. Help is Available Many homeowners are struggling to keep up with their payments, especially those with adjustable-rate loans that reset to a higher rate and those whose job or family situation has changed. Free information and counseling are available to help you.Call the Homeownership Preservation Foundation at 1-888-995-HOPE to talk with an experienced counselor or visit the Foundation website at www.995hope.org. If Fannie Mae purchased your loan from your lender, but you are unable to reach your loan servicer, you can call us at 1-800-7FANNIE (1-800-732-6643). Protect your home, your credit and your financial future. If you’ve missed even one payment, or face the possibility of falling behind, please — ACT NOW. Fannie Mae’s Role Fannie Mae is committed to helping keep people in their homes. We don’t make mortgages directly but provide funding that supports mortgage lenders. We work with those lenders and with loan servicers to help borrowers modify or refinance their loans. In 2007, Fannie Mae and our lenders and servicers helped more than 100,000 homeowners modify or refinance their loans and stay in their homes. We also support the counseling efforts of HOPE NOW, NeighborWorks America and the Homeownership Preservation Foundation. Informational Resources : Fannie Mae website.