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MAY 2014 Sun

Thank you to Mr. Rafi Sabbaugh with Flagstar Bank for sponsoring our New Member Orientation on April 10th.





6 Free Zwillow WorkShop


7 Con-Ed Class

11 Happy 12 Mother’s Day ♥♥♥♥♥♥♥♥♥






21 Free HUD Workshop and 2 HR Con-Ed


26 Memorial 27 Day

BOARD OF DIRECTORS Luis Rodriguez—President










10 Mutt Strut at Ford Field








22 Board of Director’s Meeting 29





Barb Keleman








Laura Green—CEO



Al Makled—President Elect Robert P. Marx


Frederick Tavolette



Carrie Gandolfo—Past President

Justin Roy



Benjamin Welch



Victoria Strojny— Admin. Asst.

Contact your local American Home Shield Representative Mark Light Senior Account Executive 800.800.8880 ext. 6116 Click the button to view Home Protection Plan Benefits for Real Estate Professionals brought to you by American Home Shield.

HouseMaster is the most experience home inspection company in North America with 35 years of successful industry history and over 2 million completed inspections. We understand the need for professionalism, accuracy and speed. HouseMaster addresses these important requirements with; 

Inspectors certified with the National Institute of Building Inspectors or the American Society of Home Inspectors,

Error & Ommisions and General Liability Insurances,

Our Referral Liability Protection program reducing the real estate professional’s legal exposure for claims solely based on referring HouseMaster,

Our comprehensive inspection report with photographs of defective elements is delivered to our clients the same day of the inspection,

HouseMaster's written repair guarantee is included with each full home inspection,

Free one year client subscription to the Home Owners Network.

Convenient appointment times Monday through Saturday.

Multiple ancillary inspection services (Radon, WDI, Water, Well, Septic, Mold) available.

Provide your clients and yourself piece of mind and recommend HouseMaster the "Home Inspection Professionals". Call our staffed office at (888) 848-0202 or email us at for a request for quote or to book an inspection.

Free Prescription Drug Card Available Members saved nearly $300,000 on prescription drugs in 2013 through Drug Card America, a REALTOR Benefits速 Program participant. The drug card helps lower prescription costs at most major pharmacies, including CVS and Walgreens. If your members haven't taken advantage of the savings yet, encourage them to do so.

May 1 - 15: Subscribe to the MVP Newsletter and earn the Digital Marketing-Download and a chance to win a $500 gift card! May 16 - 31: Contribute marketing ideas for best practices e-book from realtor.com速 and you will receive a free eProduct and valuable business boosting tools

Our board store offers many items to help you with your business needs. Stop by and see what is new today.

Be a leader of the Pack Come join us and help be a part of a community who cares. You're all leaders of the pack! The Dearborn Animal Shelter Mutt Strut is May 10th at Ford Field in Dearborn. DABOR members will be guides along the walk route from 11am-12pm. Volunteer 1 hr. of your time call DABOR 313 278 2220 or

What is the Mutt Strut & Pet Expo? The Mutt Strut & Pet Expo is a pledge-driven dog walk and community-wide animal celebration with lots of entertainment, education, shopping, and fun for pets and their families. Since 2006, Mutt Strutters have raised $540,000, which directly helped more than 16,500 rescue animals-plus thousands more in Southeast Michigan through many outreach programs through this great cause. Mutt Strut Info


DABOR Bulletin Board Continuing Education Requirements State Licensing Requirements During the 3 year licensing cycle each agent must complete a minimum of 2 hours approved legal coursework each year. In addition, each agent must also complete 12 hours of approved coursework of their choice. The additional 12 hours of coursework may be completed anytime during the 3 year cycle. **New licensees In the first and second year of the license cycle, licenses issued on or after November 1 of the current year do not require con ed for the current year. In the third year of the license cycle licenses issued on or after July 1st no con ed is required.

DABOR Presents along with NCI and Associates 6 hours of continuing education including 2 hours of yearly mandatory legal update. The following dates are scheduled for 2014. Check-in for all classes is 8:30am. Class time is 9:00am3:30pm. Lunch is included. All students must register and pay prior to class. No walk-ins. May 7 September 17 October 8 November 12 December 16

DABOR Affiliate Trade Show Showcase your goods and services at our General Membership Meeting June 10,2014 We want to say "THANK YOU!" to our DABOR Affiliate members. The best way we can do this is by helping you build your business. As an Affiliate, you represent an integral part of the Dearborn Area Board of REALTORS速. The fact is REALTORS速 and Affiliates are inseparable in an industry which thrives on teamwork. In these economic times, DABOR is striving to bring you more bang for your buck by providing you FREE BOOTH SPACE at our Affiliates Trade Show . This will help you showcase your goods and services to our REALTOR members at the Trade Show and General Membership meeting. The General Membership Meeting along with the Affiliate Trade Show will be Tuesday, June 10,2014 at Byblos Banquet Center. Booth Set-Up is from 10:30 -11:00 am with the Affiliate Trade Show from 11:00 - 12:00. Lunch begins at 11:30 with the meeting starting promptly at 12:00 pm. RESERVE YOUR FREE BOOTH NOW Call DABOR at 313-278-2220 or email If your membership is not up to date call now. Deadline for booth reservation is June 5, 2014. Affiliate Application. Let's work together! Laura Green, CEO

Great New APP You (and your customers) Will Love. Sitegeist Have you ever been out showing property with buyers and while standing in front of a house they start asking you questions about the neighborhood that you know are probably in violation of fair housing laws? I have my agents ask their buyers to download the Sitegeist app which pulls all sorts of public records data based on your geo-location. Sitegeist pulls from sources such as the U.S. Census Bureau, Foursquare, Yelp, Weather Underground, and the Environmental Protection Agency. The app will tell a user based on their location things such as:

Do the people around you contribute more to Republicans or Democrats

How people commute – car, public transportation, walk, bike

Median home values

Average rent

Number of males vs. females in the immediate area

Household incomes

Number of children under the age of five

Median age of homes

Number of housing units

And a lot more… See how your customers may find this information useful? And also see how much safer it is when the data is coming from a third party without you having to tip toe around the questions? Believe me, your customers will be wowed and your broker relieved when you start using and sharing this app. I also personally use this app when analyzing commercial real estate in markets I am not too familiar with. Here are some screen shots of the data that Sitegeist provides: A common question that I get asked when I share this app with agents, colleagues and customers is “how far around me is this data pulling from?” Because the data is coming from multiple sources and each source has different criteria for what they consider to be “nearby” there is no single answer to this question. For example, the U.S Census Bureau data measures geographic area by the census tract, political contributions are measured by zip code, the EPA uses a 5-mile radius, and Foursquare and Yelp each have their own algorithm to come up with what constitutes a geographic area around you. Regardless of how far around you the data is pulling from, the aesthetically appealing graphics, easy to read design and quick access to relevant data make it a must have when your buyers are house-hunting.

Sitegeist is also free and you can download it here:

Credit Union REALTORS® Federal Credit Union, a Division of Northwest Federal Credit Union The National Association of REALTORS® is proud to offer its members the opportunity to join the REALTORS® Federal Credit Union, a Division of Northwest Federal Credit Union. Credit Union members now have access to 5,100 shared branch service centers nationwide, fee-free business checking and debit cards, mortgage loans, commercial real estate loans, business lines of credit and more. Not a Credit Union member? Join today online at

Line of Credit Set yourself apart from the competition and get the education you want with a Professional Development Line of Credit from the Credit Union. With rates as low as 7.00% APR, the Professional Development Line of Credit is an excellent low -cost resource for your designations, certifications, or courses.

Savings & Checking Rates View current savings and checking rates.

Business Lending For business lending needs both big and small, talk to your Credit Union. From new automobiles, to computers for the office, we’re here to help REALTORS® like you. Learn more about business lending.

Products, Rates and Services REALTORS® deserve a convenient alternative to big box banking. Now is the time to break out of the box. You deserve the freedom to manage your finances when and where you want to. Your virtual branch is always open and is supported by a U.S. 24-hour Member Care call center.

For Individuals Virtual banking that offers personal financial management tools and state-of-the-art online banking services Savings and investments products — traditional, money market, retirement savings accounts, and more Checking, debit card and access to thousands of ATMs Loans — vehicle, personal, lines of credit, and mortgages A 24-hour Member Care department to answer your questions

For Businesses Online banking Traditional savings Money market savings Industry-leading certificate investments Small business loan and lines of credit (up to $50,000) Share secured loans and lines of credit SentriLock loans A 24-hour Member Care department to answer your questions. Get started today by downloading the application online.

Legal Hotline QUESTION: I represent a buyer who put in an offer on a home where there were multiple offers. My client’s offer was not accepted. We have reason to believe that my client’s offer was in fact the “highest and best.” Are we entitled to see a copy of the offer that was accepted by the sellers in order to verify that it was the “highest and best” offer? ANSWER: NO. Moreover, it does not matter whether the accepted offer was in fact the “highest and best.” As long as the sellers did not engage in unlawful discrimination (for example, on the basis of national origin), they were not required to accept the “highest and best” offer or otherwise treat all offers equally. A “Primer on Multiple Offers” prepared especially for buyers in this situation is available on MAR’s website.

MSHDA Offers “MI NEXT HOME” for Repeat Homebuyers

The Michigan State Housing Development Authority (MSHDA) has announced an exciting new loan program for repeat homebuyers. MSHDA’s MI Next Home has been created to make down payment assistance available to repeat buyers. The program was designed specifically for those applicants who may not qualify for MSHDA’s existing MI First Home program due to their previous homeownership status. The Down Payment Assistance is a 0% interest rate loan that has no payments and does not become due until the homebuyer sells the home, pays off the first mortgage or refinances the existing mortgage. MI Next Home eligibility requirements include:

Previous homeowners only

Income limits (vary by county)

Sales price limit (Statewide $224,500)

Buyers must occupy the home as their principal residence, Down Payment Assistance available (maximum of $7,500 not to exceed 4% of the purchase price)

Victoria Gillespie of REALTORS Federal Credit Union, talks with REALTOR Magazine about setting aside 20% of commission income to build a 6-month reserve account. v=HX52j79mTLw

MI First Home vs. MI Next Home: Mi First Home

All adults in the household must apply

Limit of 2 acres or less

Recapture tax may apply

No open collections/judgments MI Next Home

Only one qualified applicant is required

Lot size based on loan type FHA/RD/ VA

No Recapture tax

Follow AUS findings To learn more, please visit MSHDA’s website: mshda

June 2014 Sun 1







2 Pre-License 3 4 and Broker Prep Class Begins 9 10 General 11 Membership Meeting & Affiliate Expo

5 New Member Orientation






15 Happy Father’s Day ♦♦♦♦♦♦♦




19 Board of Director’s Meeting









28 CCW/CPL Class




Adam's Cleaning Services, Inc.(313) 561-3303Adam Seccombe

Home Inspection by Pros - (734) 483-3400 Robert Armstrong

American Home Shield(800) 800-8880-John M. Light

Housemaster Inspection Services - (888) 848-0202 Tom Rusco

America's Preferred Home Warranty(800) 6485006-Jeff Becker

Morse Moving & Storage, Inc.(734) 484-1717-John Green

Assenmacher and Associates P.C. (313) 2775800-Jerome E. Assenmacher

Parks Title (313) 505-6606 Mark Jefferson

Cutco Closing Gifts-(248) 703-9938-Adam Swintek

PrimeLending A Plains Capital Company(313) 2746500-Chuck Hage

Dearborn Federal Savings Bank(313) 565-3100– William White

Reckingers Heating and Cooling(313) 562-3456Steve Krstevski (248) 912-5512 - Frank Mastroianni

Title One Inc.(734) 427-8006-Bernie Youngblood

First American Title Insurance(734) 6929914Frank Lucarelli

Vis-Home (734) 945-0396 -Boris Kochubievsky

Flagstar Bank-(313) 271-1260-Rafi Sabbagh

PNC Financial Services(734) 281-5219-Ali Shami

Title One Inc.(313) 561-6631-Debbie Kudla

Wells Fargo Home Mortgage(515) 213-4291- Jim Linnane

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