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Coffee with the supervisor, and I have a special guest today, and this is Tetsk House, who is the executive director of

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LIBOA, and that's L-I-B-O-O, and that stands for Long Island Board of Relatives. Tell me about LIBOA. Now, I understand

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LIBOA has about 30,000 members. Tell me what LIBOA does. Sure. Well, thanks so much for having me today.

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As a pleasure to have you.

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The longer the board of realtors, as you said, is it's 30,000 members, and we are a not-for-profit trade organization.

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We serve the counties of Queens, Nassau, and Suffolk.

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It's mostly residential, right?

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Yes, we do have commercial, and we have commercial, and you have some industrial.

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There's a separate group for industrial and commercial real estate brokers, but they also can belong and do belong to Libert.

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But mostly most of the people that belong, who are members, do

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residential single family homes, condos, apartments, and they do the whole host of real estate

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things, right?

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Correct.

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So everything from buying a selling, representing buyers or sellers, as all types of real estate

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condos, co-ops, single family homes, even rentals of homes, apartments, condos, etc.

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So, it handles the whole gamut of real estate issues.

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And due to our geography, where we cover, we are both one of the largest local associations in the country, and one of the most diverse.

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Wow. That's interesting.

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So, you provide the professional impetus for real estate brokers and salespeople because there's a difference.

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Salespeople only need to take X number of courses.

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brokers you need to take more and most brokers tend to own the real estate business that they provide.

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Correct. And our role within the industry is that we are, we're a trade association,

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so we advocate for our members, which, of course, means we end up advocating for home ownership and, you know, future buyers and future sellers.

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Things like the mortgage interest deduction, the national flood insurance program.

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These are perennial issues that are homeowner issues, but there is no national association of homeowners.

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Absolutely.

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So we go.

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So you advocate for homeowners.

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One of the things that I'm sure you're advocating is the exceptionally high fees that

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is charged by the County Clerk's Office for recording a mortgages or deeds, a well and access

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of the cost of providing that service.

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You know, when municipalities and other entities look to add surcharges, to real estate transactions,

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what they're actually doing is pricing some potential buyers out of the market.

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So, you know, some fees are justified, and if they're justified and necessary, then, you know,

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so be it.

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But for to add extra taxes to try to just raise revenue off of the backs of purchasers and homeowners,

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that's not a very good way to encourage housing.

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Absolutely not, if you ever get on the way, let me know.

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I was County Clerk and Suffolk County for 16 years, and I think the fees that they're

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charging now is simply a way of doing a backdoor tax as opposed to a fee related to service.

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Right.

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Like mortgage stands and things like that.

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Right.

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Abs, mortgage taxes is amongst them, filing fees, etc.

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We often see that, especially in economic trying times that when municipalities look at where

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they can get some revenue, they go, oh well, you know,

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home purchases are so large no one would notice just this. But the problem is, you know,

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these are large companies making these purchases. These are individual families who save up

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or individual saving up to buy that home and every dollar added can can price somebody back out.

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That's important. And I know that as of late,

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LIBOR has taken a lead with their housing. Yes. Oh, we're making sure everyone has an equal

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opportunity to live where they want. And one of the things is sources of income. Yeah, talk a little bit about that program.

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Well, yeah, as you said, you know, fear of housing has been the law since, you know, 1968.

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In New York, legal source of income protection passed in 2019. So it is actually one of our newest protected classes.

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And there was a lot of news in the fear of housing world. And what does that mean legal sources of income for people that

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hearing the phrase for the first time while what that means. So I would encourage anyone to go visit

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our website, which is home for all of us.org, where we list out a whole list of potential sources

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of income, but it can be everything from alimony, foster care payments, you know, for military

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payments. So all of those types of income have to be calculated when you look at someone's

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purchasing ability to purchase a home.

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Right. And so they're trying to rent the home.

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They need to be treated as any other legal source of income. You cannot treat one source

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of income differently. And of course when we talk about source of income, certain programs jump

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to mind such as housing choice voucher section eight. Those are also legally protected sources

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of income in New York. And section eight is? So this is a government subsidy.

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Some people refer to it in other ways.

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But Section 8 talks about a government subsidy for housing where if you are of low to moderate income.

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Yes, and you do have to meet certain program requirements.

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And it helps offset those friends so that you can afford to live in those communities.

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And why does the standard for you income?

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You know, that that I would send you to a housing administrator.

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30%.

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It's 30 percent of your income. No one should pay more than 30 percent of their income.

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So if your income is zero, you pay no rent. But if your income is $1,000 and you pay

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$300 towards it in the government, subsidizes the rest on the Section 8 Program. All Section

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8 programs that I believe every municipality runs some type of housing program either. We do it

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In fact, right next door, his housing community development office, most governments have that

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if they don't, they contract with enough of profit to provide that service, like CDC or

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something of that community development.

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And then there's also enhanced vouchers to help get people into communities that the vouchers

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haven't traditionally been hit the market price within.

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So there's a couple of different programs out there.

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And it all falls.

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There's one waiting list, just so everyone knows that we probably have several thousand on

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our Section 8 waiting list.

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And I know people say, oh, Section 8, oh my God, that's not going to help on a boat.

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But they're wrong because a properly administered Section 8 program has to invoke housing

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quality standards, which are sometimes even stricter than local building codes.

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So, I've looked through the standards, and by and large, they are just basic security that

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you would want in any priority, and I would go on to say that, you know, some of these

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programs have stickmas attached to them, and as you said, these are unfair stickmas, and

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in fact, part of the reason we're running an awareness campaign is we want to raise awareness

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of the benefits.

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Right now, right in the notorious are very fresh in many housing providers' minds, but those

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The housing providers that had tenants with subsidies received regular, steady, guaranteed payments.

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And so now is a really good time to maybe talk about some of the benefits as we let go of some of these old stigmas.

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Well, I know the state imposed rent moratoriums, which makes it very tough on landlords.

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Because anyone thinking of investing in real estate has to think twice because if there's a moratorium and you have tenants that don't pay, that makes it difficult to get a return on your investment.

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but as you point out on the section eight,

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those reds were paid and the emergency assistance program.

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We went through that like a hot night through butter.

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We gave that all of us and we could have used a great deal more money.

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We were one of the most efficient, quickest towns in getting that money out.

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And we got that all out.

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So we used all that money because there's a tremendous need for that,

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particularly coming out or during and coming out of this pandemic.

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And so now's a great time to talk about source of income and ensure that everyone gets an opportunity to live where they choose to live.

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Absolutely. We were a great believer in fair housing and people having the ability to live where they want.

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Providing they can afford it and they have the legal source of income and talk a little bit about your program about that.

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sure so we launched a website home for all of us.org and the goal of the program is to

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to kind of raise awareness again as I said earlier this law was just passed in 2019 a lot of

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people have the seven federally protected classes from 1995 in their head but that class has been

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expanded and in New York they added legal source of protection so by making sure that housing

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providers are aware of legal source of income protection they can make policies and decisions

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that actually comply with the law and further fair housing in their communities.

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And how people wind up with a habitable place to live, something that is meet code.

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We have problems all the time with people.

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We have an accessory apartment law, but you have to meet certain qualifications for that.

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We do not permit currently at B&Bs, and people who rent have to get rental permits.

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And the reason for that is we do inspections of both the towns, villages are responsible

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for inspecting for building code compliance and fire safety compliance, and we find a lot

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people choose not to get rental permits because they don't want to go through the inspection

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process.

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Right.

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But the safety part is so important when we talk about affordable housing, it has

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to be safe and affordable.

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Two or three blocks, we had someone die in a legal apartment that was a basement apartment

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in a fire because they didn't have the egress, they didn't have smoke alarms, they didn't

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have a common monoxide alums, the town wants to see everyone live in a decent house, that

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will meet whether it's rented or you purchase it or whatever, or it's an apartment,

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a condo or a co-op, whatever, that it meets basic New York State building codes and fire safety

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codes.

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That's why if you're going to rent, we say make sure you land what gets a rental permit because

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that requires us to do an inspection and certify it.

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And those permits I believe are good for 15 months.

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So that's some of the things that happen in the town.

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What are things ways that the town can help work with LIBOR?

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So if you have property managers and landlords,

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we would encourage them to visit our site home for all of us.

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OK, dot org.

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And take a look at the information we have.

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We have an FAQ, about 12 questions long.

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We also at the bottom have an email info at home for all of us.org.

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That I think he will grow as we hear from housing providers, as we hear from community

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partners in fear housing, as we hear from the public, as they add questions to that list.

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We're going to add answers to that list as well.

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But I would encourage them to go there and learn about legal source of income.

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See all of the potential types of source of income.

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And also look at the consequences for nonabiding by this law, because they are very steep.

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If willful violation can come with civil penalties of up to 250,000 per cut.

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And on top of that, someone who has been discriminated against can go after the defendant

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for emotional distress due to homelessness.

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And there is no cap on that.

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And additionally, the defendant could end up paying all of the plaintiffs' turnip fees.

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So it's important that if you were providing housing

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that you understand legal source of income protection in New York, that you have policies

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and you make decisions within your company that follow legal source of protection in

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coming New York, and give everyone that fair shot at stable, safe housing that lets them

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go on and build the rest of their lives around there.

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That's been very helpful to our viewers.

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Let me ask you maybe, and this very quick segment we're talking about other services that

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membership provides a general public real estate brokers. They value in real estate transactions.

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It's hard to underestimate what a broker and an agent actually do for the normal American

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homeowner. We tend to stay in our homes anywhere from 7 to 12 years, which means that you go through

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a resale and a purchase baby once a decade. That's not often enough to be good at anything.

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It's not often enough to keep up with all of the laws and the regulations and the required

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disclosures.

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So a broker can help.

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Having a trusted professional guiding you through this process, telling you what you need

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to know, what to look out for, you know, home inspections, for example.

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Home inspection.

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You're buying a house.

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When is it due back?

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Yeah.

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Get a home inspection, get someone that's in a professional to inspect, make sure all the defects

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are there accounted for and addressed before you buy or at least some money set aside.

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So you can deal with it if you want to purchase it, but be knowledge about that.

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I've known brokers who attend closings, oftentimes, to make sure that everything is smooth,

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and there isn't a problem at the closing in terms of any of the documentation.

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Well, another question is that, come up, again, when you purchase a home, there tends to be a stack of papers.

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Well, title search, it starts off. Make sure that you own this. Make sure that what?

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You know what you're buying, that, oh, I thought that piece of property over there was part of my property, oh, I didn't realize that.

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So, a title search is like basic.

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And surveying and appraisal, all of these things need to happen at certain times in the transaction.

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Wait, there's a shadow on the property and it's larger than the shed that's normally allowed.

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So it needs to see, oh, a certificate of occupancy, oh, there's a pool and it has no certificate of occupancy.

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These are things that can trip by as up.

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Right, and what about out of market?

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Or sell it?

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I came from different markets.

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I had to learn about, you know, waterfront.

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I had to learn about septic.

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I had to learn about garbage disposal.

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Because, again, it's, you know what you know, but every home, you purchase, especially if it's anywhere outside of where you go.

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Every town.

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A lot of questions.

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Every town is different in brokaving.

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The town created little garbage districts, which put them out to bed, so it's competitive.

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And we get the best price.

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And we serve as 119,000 single and two family homes.

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We don't service, apartment houses, condos, co-ops, we don't service any commercial industrial, so that's just homes

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And they get two pickups a week, and one recycling pickup, 471 pickups a year, so that's what we do in this town

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But other towns are different, Babylon town for example, where your office is located, right, at the junk-child sunrise highway near 109

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Right, on the south side of sunrise highway

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is in Babylon handles all garbage, commercial industrial, multi-family, and single-family

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home, so every town is different in their approach and they obviously have a much higher

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garbage expenses than we do. So it's interesting to learn and the one person I think that

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can probably help people who are buying homes is the broker because the broker is local, many

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that brokers have been around for many years, they know the community and they get your answers

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to questions that people might have about garbage or sewage. Some of our town is on cesspools.

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Some of our town is on sewage and it depends on where you are in the town.

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Right. And so again, having a guide and advisor to kind of walking through answer the questions

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that you have and also sometimes say you don't you haven't asked me this right you know

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so it's I've been in the industry almost two decades that I've been working in and around

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realtor associations with real estate agents and I still have as many questions as I did what

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about my first time right are you on well water which you will probably we will ask so much in

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But in Brookhaven, in parts of our town, there are people still on well water, as opposed to what would be called public water.

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Well, the Suffolk County Water Authority Water.

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So, these type of questions are so crucial for getting a broker involved, so you know what you're buying.

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You know the location, and again, what are the three most important things in choosing real estate?

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I think it's location, location, location.

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And you know what's interesting is that that is different for every single person, right?

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You know, when we go back to talking about housing choice, whether it's source of income or anything else

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Why someone chooses that this is the right place for me. It might be relative to the work

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It might be relative to family. They wouldn't be close to it. It might be for any number of reasons that would not matter to anyone else

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Right, and that's why it has to be housing choice that we have to help people get into the homes that they can afford and if they want whether

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Tell me your source of income. I'll tell you what's available where the communities that you want to look at here are some things that would interest you

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Yeah, and so so that's yeah again, it's it's realtors and and and real estate definitely go hand in hand

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Well, I you know

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It's hard to thank all the realtors for what they do

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But it's easy today because long Island border of realtives like what represents all

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or almost of the people who are real estate sales and or brokers either in the

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residential commercial industrial market. So I want to thank you for coming in

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and giving us a better view of what library, the professional organization for

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real estate does. So, Tess, thank you so much. Thank you so much, it's been great to see you.

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Great, good to see you.