Pink Press December

PINK PRESS ISSUE 4, 2023

REAL ESTATE

MAGAZINE

The Pink Press

BUY.SELL.INVEST

SPENCER REAL ESTATE WWW.SPENCERSOLD.COM

The Pink Press VOL. 004

CREDIT TIPS

EVENT CALENDAR

LESSONS IN LEADERSHIP

CLARKSTON MARKET REPORT 30 DAY TRENDS

AVERAGE LIST PRICE

AVERAGE DAYS ON MARKET

19% DECREASE

28% DECREASE

$450,190

34 DAYS

NEW LISTINGS

SOLD HOMES

33 HOMES

40 HOMES

33% DECREASE

11% INCREASE

LISTINGS SUMMARY STATUS

LOW

MEDIAN

HIGH

ACTIVE

$185K

$527K

$3.3M

PENDING

$165K

$327K

$1.85M

SOLD

$170K

$385K

$700K

Jesica Spencer Broker/Owner Since 2014, Jesica Spencer has been elevating the real estate industry in Clarkston, Michigan. She has dedicated her career to providing exceptional service grounded in trust and exceptional customer service.

Beyond her professional success, Jesica is a devoted wife and mother of three, embodying family values that resonate in her work. As owner of Spencer Real Estate she knows success and a thriving reputation are built on a personalized approach, market knowledge, and a commitment to nurturing lasting client relationships.

When she is not helping clients buy, sell, and invest, Jesica enjoys quality time with her husband and kids. Her true passion is actively giving back to her community. Her unwavering commitment and personal touch make Jesica Spencer a trusted advisor and a prominent figure in Clarkston's real estate landscape.

David Gittens Realtor/Investor

Dave has been in the Real Estate business since 2017 and has helped hundreds of people purchase and sell homes. He specialized in his negotiation skills, helping his sellers to get the most for their homes and helping his buyers get the best price and terms.

Dave is an investor and can always spot opportunities, breaking down a deal structure quickly and efficiently.

Outside of business, Dave loves participating in a wide range of athletic sports. He loves spending time and traveling with his wife and 2 sons. Nothing brings him more joy than to offer servant leadership in his community and church.

Kamran Nallamothu Realtor/Marketing Kamran is a Clarkston native and proud Everest Collegiate alumnus. He later graduated from Michigan State University with a Bachelor of Science in Advertising Management. Kamran is a young, enthusiastic real estate professional who works tirelessly for his clients.

Kamran is the Director of Marketing at Spencer Real Estate and uses his college coursework and real estate knowledge to strengthen the Spencer Real Estate brand through social media, print media, and community events.

Whether you are on the hunt for your dream home, looking to sell your current place, or even just have questions about the current market, he has your back! From finding the best deals, to finding the perfect neighborhood, he is your guy!

Elijah Cone Realtor/Events Elijah is an Oakland County native, who has worked with families in the Clarkston area for the last ten years.

He graduated from Lake Orion Baptist School and studied music production and audio at the Art Institute of Novi.

Elijah worked at Goldfish Swim School as a swim instructor, lifeguard, teacher trainer, and manager for 8 years before entering the world of real estate. He has always had a passion for helping the community, bringing people together, and uplifting those around him.

Elijah started his real estate journey in 2023 at Spencer Real Estate. He is driven by his helpful spirit to do the best he can for his clients, helping them have a positive experience and resting easy that they have someone who is motivated to do the best he possibly can to help them with their next home purchase. Call Elijah today to take your next step in finding your dream home!

Julia Slezak

Realtor/Operations

Julia joined our team two years ago and quickly became the glue that holds us together. From working sideby-side with our agents as Transaction Coordinator, to showing houses to our clients, there is not much that she can’t manage.

Julia chose a career in Real Estate because she loves to help and serve others, and truly does an amazing job at that! Her love for organization, detail, numbers, and paperwork comes in handy as she helps keep our transactions running smoothly!

Not only does Julia love to help our agents and clients, but she also loves helping her own clients and is passionate about growing her business as a Realtor. If you have any questions about real estate, she is happy to help!

Ian Olson Realtor

Ian Olson is a Clarkston High School graduate who is a young and driven Realtor at Spencer Real Estate. With a passion for helping individuals find their dream homes, He brings a fresh and energetic approach to the real estate market. Committed to providing personalized and attentive service, he builds meaningful connections that last a lifetime.

In the competitive world of real estate, Ian stands as a testament to the transformative power of service, proving that success is not just measured in transactions but in the positive impact one can make on the lives of others. As a Realtor who loves to serve for the glory of God, Ian is not just selling homes: he's building bridges and creating a legacy of faithdriven service in the heart of the real estate community.

VOTED CLARKSTON’S #1 REAL ESTATE COMPANY

“AS I PEN THIS NOTE TO SAY THANK YOU, MY HEART IS OVERFLOWING WITH GRATITUDE, JOY, AND A BIT OF DISBELIEF. I JUST CAN’T THANK YOU ENOUGH FOR NAMING MY LITTLE COMPANY “THE NUMBER ONE REAL ESTATE COMPANY IN CLARKSTON.” TO BE VOTED NUMBER ONE BY THE PEOPLE OF MY HOMETOWN IS HARD TO BELIEVE BECAUSE AS THE OWNER OF A BOUTIQUE REAL ESTATE BROKERAGE I ACCEPTED THAT I WOULD NEVER BE NUMBER ONE.

YOU HELPED ME REALIZE THAT THE ONE AREA SPENCER REAL ESTATE CAN OUTSHINE OTHERS IN IS THE AREA THAT MATTERS MOST, OUR RELATIONSHIP WITH THIS COMMUNITY. I HAVE TWO GOALS... ONE IS TO GLORIFY GOD THROUGH THE SERVICE OF OTHERS AND THE OTHER IS TO MAKE A DIFFERENCE IN THE LIVES OF OUR CLIENTS AND NEIGHBORS. AFTER GETTING THIS NEWS IT FEELS LIKE WE HAVE DONE JUST THAT.

I CHOSE TO RUN MY OFFICE AS A SMALL, TIGHTKNIT FAMILY AND BECAUSE OF OUR SIZE I CAN’T COMPETE FOR NUMBER ONE, NOT IN HOMES SOLD, NOT IN SALES VOLUME, AND DEFINITELY NEVER IN AGENT COUNT. IT’S NOT REALISTIC THAT MY LITTLE COMPANY WOULD EVER BE NUMBER ONE IN ANY OF THOSE AREAS, MY COMPANY IS JUST TOO SMALL FOR THAT. EVEN IF I TRIED, THE BIG BROKERAGES HAVE HUGE BUDGETS, ENTIRE MARKETING DEPARTMENTS AND LARGE AD CAMPAIGNS.

CLARKSTON IS WHERE I GREW UP. THIS IS WHERE I FELL IN LOVE WITH AND MARRIED MY HUSBAND. THIS IS WHERE WE HAVE CHOSEN TO RAISE OUR FAMILY. THIS IS WHERE WE CHOOSE TO LIVE AND GIVE. FROM MY FAMILY AND MY TEAM HERE AT SPENCER REAL ESTATE, ALL WE CAN SAY IS, THANK YOU CLARKSTON, WE LOVE YOU TOO.”

-JESICA SPENCER & SPENCER REAL ESTATE

Welcoming Agents HOME.

H onorably providing clients O utstanding service through M ission driven E thically achieved success To join our team call 248-396-7895

“HIGHLY RECOMMEND SPENCER REAL ESTATE! AFTER SEARCHING FOR COUPLE OF YEARS, WE FOUND OUR HOME WITH THE HELP OF SPENCER REAL ESTATE. THEY WERE AMAZING AND TREATED US LIKE FAMILY. BUYING A HOUSE IS A HUGE DECISION TO MAKE, BUT THEY WERE SO PATIENT WITH US AND VERY TRUSTWORTHY. EVEN AFTER WE BOUGHT OUR HOUSE, THEY STILL KEEP IN TOUCH AND TREAT US LIKE VIPS!” -JUNE C.

4 tips to Build your personal brand

01

Self-Awareness

02

Mission and Purpose

03

Brand Personality

04

Visual Identity

Start by gaining a deep understanding of yourself, your values, passions, strengths, weaknesses. What are your core beliefs? What is your unique selling proposition? Self-awareness is crucial for creating a strong brand image.

Determine what you want your brand to stand for and what impact you want to make. Your mission and purpose should be rooted in your values and reflect what you are passionate about.

Consider the personality you want your brand to exude. Is it friendly, professional, innovative, or something more? Your brand personality should align with your own personality and resonate with your target audience

Develop a unique and consistent visual identity for your brand, including a logo, color scheme, typography, and imagery. These elements should reflect your brand‘s personality and values.

SPENCERSOLD.COM

REFERRAL PARTNERS

SPENCER REAL ESTATE HAS PARTNERS ALL ACROSS THE COUNTRY. NO MATTER WHERE LIFE TAKES YOU, WE ARE HERE TO HELP!

How much is your home worth?

Contact us to receive a complimentary home valuation

Top Dollar

Quick Close

Exposure

Our team strives to price your home competitively

Our team works tirelessly to sell your home as

We put in the behind the scenes work to make sure

to receive top dollar for your home

quickly and efficiently as possible

you are getting as many eyes on your property as possible

HOME MAINTENANCE TIPS FOR THE WINTER SEASON CHECK YOUR INSULATION

Make sure your home is properly insulated to keep the warmth in! Check windows and doors for drafts and consider weatherstripping or caulking

CLEAN YOUR GUTTERS

Remove any leaves or debris from your gutters to prevent clogging. This will help with proper drainage and prevent excess ice build up

SERVICE YOUR HEATING SYSTEM

Have your furnace or other heating systems checked by a professional to ensure efficiency and safety. It might be a good time to change those filters.

PROTECT YOUR PIPES

Insulate exposed pipes to prevent freezing and bursting. Pipe insulation sleeves or towels/blankets might be a good idea!

TEST YOUR DETECTORS

With more time spent indoors, it is crucial to make sure your detectors are working properly. Test them regularly and replace batteries if needed.

SCRIPTURE PASSAGE “EVERY KINGDOM DIVIDED AGAINST ITSELF WILL BE RUINED, AND EVERY CITY OR HOUSEHOLD DIVIDED AGAINST ITSELF WILL NOT STAND.” MATTHEW 12:25

6 STEPS BEFORE INVESTING IN REAL ESTATE

SET YOUR GOALS

RESEARCH THE MARKET

DETERMINE YOUR YOUR FINANCIAL OBJECTIVES AND WHAT YOU WANT TO ACHIVE WITH YOUR INVESTMENT

LEARN ABOUT DIFFERENT NEIGHBORHOODS, PROPERTY TYPES, AND MARKET TRENDS IN THE AREAS YOU’RE INTERESTED IN

ESTABLISH A BUDGET

GET FINANCING

ASSESS YOUR FINANCES AND DETERMINE HOW MUCH YOU CAN AFFORD TO INVEST IN REAL ESTATE

EXPLORE DIFFERENT FINANCING OPTIONS AND GET PRE-APPROVED FOR A MORTGAGE IF NEEDED

ANALYZE PROPERTIES

SEEK PRO ADVICE

CONDUCT THOROUGH DUE DILIGENCE ON PROPERTIES YOUR INTERESTED IN, CONSIDERING FACTORS LIKE LOCATION, CONDITION, SIZE, AND POTENTIAL ROI

CONSULT WITH REAL ESTATE AGENTS, LAWYERS, AND FINANCIAL ADVISORS TO ENSURE YOU MAKE INFORMED DECISIONS

SPENCER REAL ESTATE IS WONDERFUL. THEY PAY EXTRA ATTENTION TO DETAIL AND REALLY WANT TO SEE YOU HAPPY. THEY ARE A BRIGHT LIGHT IN THE CLARKSTON COMMUNITY. HIGHLY RECOMMEND! -JIM

Client Events

To keep up on our events visit spencersold.com/events

EASTER EGG HUNT EASTER 2023

THE HUNT FOR 8,000 EGGS!

@SPENCERREALESTATE

MAGIC BUS CONCERT AUGUST 2023

Bell Bottoms, Beads and Peace Signs!

It was the Woodstock era!

OUR ANNUAL MAGIC BUS CONCERT AT DEPOT PARK RIGHT HERE IN CLARKSTON IS OUR LARGEST EVENT OF THE YEAR. WITH OVER 1200 ATTENDEES, THIS EVENT GETS LARGER EVERY YEAR!

TRUNK-OR-TREAT HALLOWEEN 2023

LET US FIND YOUR “BARBIE DREAM HOUSE”

“BOO!” THE VILLAGE HALLOWEEN 2023

WE “BOOED” THE ENTIRE VILLAGE OF CLARKSTON

PIE DAY THANKSGIVING 2023

@SPENCERREALESTATE

TITLE WORK TIMELINE

WORD SEARCH

1 on 1 Business Coaching w i t h

J e s i c a

ACCOUNTABILITY PROFITABILITY STRATEGY

GROWTH

S p e n c e r

S E I K O O C SUGAR STEP 1 - PREHEAT THE OVEN TO 375 DEGREES F (190 DEGREES C).

STEP 2 - STIR FLOUR, BAKING SODA, AND BAKING POWDER TOGETHER IN A SMALL BOWL. STEP 3 - BEAT SUGAR AND BUTTER TOGETHER IN A LARGE BOWL WITH AN ELECTRIC MIXER UNTIL SMOOTH. BEAT IN EGG AND VANILLA. GRADUALLY BLEND IN FLOUR MIXTURE. ROLL DOUGH INTO WALNUT-SIZED BALLS AND PLACE 2 INCHES APART ONTO UNGREASED BAKING SHEETS. STEP 4 - BAKE IN THE PREHEATED OVEN UNTIL EDGES ARE GOLDEN, 8 TO 10 MINUTES. COOL ON THE BAKING SHEETS BRIEFLY BEFORE REMOVING TO A WIRE RACK TO COOL COMPLETELY. STEP 5 - DECORATE!

INGREDIENTS

2 ¾ CUPS ALL-PURPOSE FLOUR 1 TEASPOON BAKING SODA ½ TEASPOON BAKING POWDER 1 CUP BUTTER, SOFTENED 1 ½ CUPS WHITE SUGAR 1 EGG 1 TEASPOON VANILLA EXTRACT

G N I F F U T S STEP 1 PREHEAT OVEN TO 250°. GREASE A 13X9X2" BAKING DISH WITH UNSALTED BUTTER AND SET ASIDE. SCATTER 1 LB. GOOD-QUALITY DAY-OLD WHITE BREAD, TORN INTO 1" PIECES (ABOUT 10 CUPS), IN A SINGLE LAYER ON A RIMMED BAKING SHEET. BAKE, STIRRING OCCASIONALLY, UNTIL DRIED OUT, ABOUT 1 HOUR. LET COOL; TRANSFER TO A VERY LARGE BOWL. STEP 2 MEANWHILE, MELT ¾ CUP UNSALTED BUTTER IN A LARGE SKILLET OVER MEDIUM-HIGH HEAT; ADD 2½ CUPS CHOPPED YELLOW ONIONS AND 1½ CUPS ¼" SLICES CELERY. STIR OFTEN UNTIL JUST BEGINNING TO BROWN, ABOUT 10 MINUTES. ADD TO BOWL WITH BREAD; STIR IN ½ CUP CHOPPED FLAT-LEAF PARSLEY, 2 TBSP. CHOPPED FRESH SAGE, 1 TBSP. CHOPPED FRESH ROSEMARY, 1 TBSP. CHOPPED FRESH THYME, 2 TSP. KOSHER SALT, AND 1 TSP. FRESHLY GROUND BLACK PEPPER. DRIZZLE IN 1¼ CUPS LOW-SODIUM CHICKEN BROTH AND TOSS GENTLY. LET COOL. STEP 3 PREHEAT OVEN TO 350°. WHISK 2 LARGE EGGS AND REMAINING 1¼ CUPS LOW-SODIUM CHICKEN BROTH IN A SMALL BOWL. ADD TO BREAD MIXTURE; FOLD GENTLY UNTIL THOROUGHLY COMBINED. TRANSFER TO PREPARED DISH, COVER WITH FOIL, AND BAKE UNTIL AN INSTANT-READ THERMOMETER INSERTED INTO THE CENTER OF DRESSING REGISTERS 160°, ABOUT 40 MINUTES. STEP 4 CONTINUE TO BAKE DRESSING, UNCOVERED, UNTIL SET AND TOP IS BROWNED AND CRISP, 40–45 MINUTES LONGER.

INGREDIENTS

¾ CUP (1½ STICKS) UNSALTED BUTTER PLUS MORE FOR BAKING DISH 1 LB. GOOD-QUALITY DAY-OLD WHITE BREAD, TORN INTO 1" PIECES (ABOUT 10 CUPS) 2½ CUPS CHOPPED YELLOW ONIONS 1½ CUPS ¼" SLICES CELERY ½ CUP CHOPPED FLAT-LEAF PARSLEY 2 TBSP. CHOPPED FRESH SAGE

1 TBSP. CHOPPED FRESH ROSEMARY 1 TBSP. CHOPPED FRESH THYME 2 TSP. KOSHER SALT 1 TSP. FRESHLY GROUND BLACK PEPPER 2½ CUPS LOW-SODIUM CHICKEN BROTH, DIVIDED 2 LARGE EGGS

CLARKSTON NEEDED A SPACE FOR BUSINESS OWNERS TO GROW THAT WAS JUDGMENTFREE AND OPEN TO ALL. WE ARE A FAITH-BASED ORGANIZATION THAT DOESN’T DISCRIMINATE AGAINST ANYONE, EVER. COME AS YOU ARE AND FEEL THE LOVING KINDNESS OF CHRISTIANS IN YOUR BACKYARD. WHAT WE DO OFFERING FREE CO-WORKING FROM 9 AM-12 PM MONDAY-FRIDAY IS OUR MINISTRY. GRAB A FREE COFFEE NEXT DOOR AT SPENCER REAL ESTATE. WE ARE ON A MISSION TO SPREAD LOVE AS THE HAND OF GOD TO EVERYONE. UPGRADE YOUR MEMBERSHIP FOR 24/7 ACCESS TO CO-WORKING, DAILY OFFICE RENTAL, FAX/PRINTER, PHONE BOOTH, AND CONFERENCE ROOM. OUR MISSION TO NURTURE AND ENCOURAGE PURPOSE-DRIVEN CEOS TO SUCCEED BY PROVIDING AN AFFORDABLE LUXURY WORKSPACE, GIVING THEM THE RESOURCES TO POWERFULLY MARKET THEIR BRAND, AND INCREASE THEIR REFERRAL BUSINESS FROM THE CLARKSTON BUSINESS NETWORK COMMUNITY. WE ARE AN INCUBATOR FOR SMALL BUSINESSES TO GROW AND TO BE ENCOURAGED TO LIVE IN OBEDIENCE TO GOD IN LIFE AND WORK. A RISING TIDE RAISES ALL SHIPS. THERE’S NO WAY TO IMPROVE YOUR BUSINESS LIFE WITHOUT FOCUSING ON FAITH, FAMILY, AND FELLOWSHIP FIRST.

OWNED AND OPERATED BY JESICA SPENCER AND MADELINE CECELIA DUNN

Credit Tips by:

INTEREST RATES ARE AT A HIGH POINT IN COMPARISON TO RECENT TIMES. WE RECENTLY SAW RATES CREEP OVER 8%,ALTHOUGH HOPEFULLY BY THE TIME YOU ARE READING THIS, THEY’VE COME BACK DOWN A BIT. WITH RATES BEING AS HIGH AS THEY ARE, IT’S IMPORTANT TO UNDERSTAND SOME OF THE COMMON TERMS YOU’LL HEAR WHEN DISCUSSING OPTIONS WITH YOUR MORTGAGE LENDER. IT’S NOT LONGER AS EASY AS TAKING A SOLID 2.5-3% INTEREST RATE AND BEING CONTENT. YOU HAVE TO KNOW HOW TO PLAN FOR THE CURRENT MARKET AND KNOW WHAT TO EXPECT IN THE FUTURE SHOULD RATES DROP AND THE OPPORTUNITY TO REFINANCE ARISE. THERE ARE MORE DETAILS TO ALL OF THESE OPTIONS BUT HOPEFULLY THIS HELPS ARM YOU WITH ENOUGH INFO TO ASK MORE QUESTIONS OF YOUR LOAN OFFICER.

REFINANCE.

THESE ARE SIMPLE ENOUGH. A REFINANCE IS AN OPPORTUNITY TO TAKE OUT A NEW LOAN, IN MOST CASES AT A LOWER RATE, TO HELP EITHER REDUCE YOUR MONTHLY PAYMENT OR REDUCE YOUR LOAN TERM, SAY FROM A 30 TO A 15-YEAR. A REFINANCE IS A BRAND-NEW LOAN, NOT A MODIFICATION OF YOUR EXISTING LOAN, SO NOT ONLY IS THERE THE TYPICAL QUALIFICATION PROCESS TO GO THROUGH, THERE ARE ALSO CLOSING COSTS INVOLVED, WHICH IS SOMETHING YOU NEED TO CONSIDER WHEN DETERMINING IF A REFINANCE IS WORTH IT. IF THE REFINANCE IS GOING TO INCUR $2,000 IN CLOSING COSTS BUT ONLY SAVE YOU $20 PER MONTH, IS IT REALLY WORTH IT?

TEMPORARY BUY-DOWNS.

THIS IS SOMETHING THAT’S BEEN ADVERTISED AS OF LATE TO HELP NEW BUYERS“SWALLOW” THE HIGHER INTEREST RATES. A TEMPORARY BUYDOWN LET’S THE BUYER USE A SELLER CREDIT (MOST LENDERS WILL ONLY ALLOW IT TO BE PAID BY A SELLER CREDIT) TO BUY-DOWN THE INTEREST RATE FOR A PERIOD OF TIME. FOR EXAMPLE, IF THE RATE AS OF TODAY IS 7.5%, AND YOU HAVE A SELLER CREDIT, YOU CAN USE THAT SELLER CREDIT TO PREPAY THE INTEREST FOR THE FIRST YEAR, AND EFFECTIVELY THE FIRST 12 PAYMENTS YOU WOULD MAKE WOULD BE THE EQUIVALENT OF HAVING A 6.5% INTEREST RATE. THE BENEFIT IS THAT IF RATES COME DOWN BEFORE THE INTEREST RATE GOES BACK UP TO THE ORIGINAL RATE, YOU CAN JUST REFINANCE AND KEEP THE LOWER PAYMENT. IF NOT, AFTER THAT FIRST YEAR YOU WOULD GO BACK TO PAYING THE 7.5% INTEREST RATE.

POINTS.

WHEN TALKING INTEREST RATES, FOR EACH BORROWER THERE IS WHAT THEY WOULD TYPICALLY CALL THE “PAR” RATE, MEANING FOR THAT RATE YOU DON’T HAVE TO PAY ANYTHING BUT YOU ALSO DON’T GET A LENDER CREDIT. UNFORTUNATELY, THERE ARE RARE CASES WHERE THERE IS NO PAR RATE, BUT THOSE ARE EXCEPTIONS, NOT THE RULE. LET’S SAY THE PAR RATE FOR SOMEONE TODAY ON A 30-YEAR FIXED BASED ON THEIR CREDIT, DOWN PAYMENT, ETC. IS 7.5%. YOU WANT A LOWER RATE, AND THE LENDER SAYS “SURE, THAT’LL COST YOU SOME POINTS, THOUGH”. IN OTHER WORDS, THE LENDER, AND EVERY LENDER, HAS A SET AMOUNT THEY WANT TO MAKE ON THEIR LOANS, AND THE PAR RATE IS WHAT GETS THEM THAT. IF YOU WANT A LOWER RATE, THAT’S FINE, YOU’LL JUST NEED TO PAY UP FRONT SO THAT THE LENDER MAKES THEIR MARGIN. BUT IN EQUAL FASHION, THE LENDER CAN’T INCREASE YOUR RATE AND JUST KEEP THE EXTRA. ONCE THEIR MARGINS ARE SET THEY’RE SET, AND SO IF YOU WANT A ENDER CREDIT YOU CAN INCREASE YOUR RATE AND GET A CREDIT BACK TOWARDS YOUR CLOSING COSTS.

WHEN EVALUATING WHICH OF THESE SOLUTIONS MIGHT BE YOUR BEST OPTION, IT’S ALSO IMPORTANT TO TAKE INTO CONSIDERATION HOW LONG YOU EXPECT TO BE IN THE HOME. IF YOU KNOW YOU WANT TO MOVE WITHIN THE NEXT 2 YEARS, BUT YOU’RE CONSIDERING REFINANCING, YOU HAVE TO TAKE INTO CONSIDERATION HOW LONG IT WILL TAKE YOU TO RECOUP THE CLOSING COSTS FROM THE REFINANCE. IF YOU BELIEVE INTEREST RATES ARE GOING TO DROP IN THE NEXT YEAR OR SO, HOW LONG WOULD IT TAKE YOU TO RECOUP THE POINTS FOR BUYING DOWN THE INTEREST RATE? THESE ARE SOME OF THE QUESTIONS YOU SHOULD ASK WHEN CONSIDERING YOU OPTIONS. BUT THAT’S WHERE YOUR LOAN OFFICER STEPS IN. THEY SHOULD BE ABLE TO GUIDE YOU TOWARDS A FEW OPTIONS THAT THEY THINK BEST SUIT YOUR NEEDS, AND GIVE YOU THE INFORMATION YOU NEED TO MAKE THE RIGHT DECISION. SO IF YOU AREN’T SURE IF YOU SHOULD OR SHOULDN’T PAY POINTS, REFINANCE, BUY-DOWN THE RATE, ETC., ASK YOUR LOAN OFFICER.

Senior Loan Officer NMLS 1465055 Sean@indlending.com O: 248-565-3292 C: 248-875-1622 www.indlending.com

Sean Smith

Lessons in Leadership

From the desk of Jesica Spencer

Vision and Purpose A leader is a visionary who can articulate a compelling vision for the future. This vision serves as a guiding light, inspiring both the leader and the team. To be a better leader, take the time to reflect on your long-term goals and communicate them clearly to your team. A shared sense of purpose fosters unity and motivates individuals to work towards a common objective.

Communication Communication is the lifeblood of leadership. Leaders must be adept at both expressing their ideas and actively listening to others. Foster an open and transparent communication culture within your team. Be approachable, encourage feedback, and ensure that everyone feels heard. Clear communication builds trust and understanding, key elements in effective leadership.

Lead by Example Exemplary leadership is demonstrated through actions, not just words. A leader should embody the values and work ethic expected from the team.

By setting a positive example, you inspire others to follow suit. Whether facing challenges or celebrating victories, your behavior sets the tone for the team's collective attitude.

Intelligence Exemplary leadership is demonstrated through actions, not just words. A leader should embody the values and work ethic expected from the team By setting a positive example, you inspire others to follow suit. Whether facing challenges or celebrating victories, your behavior sets the tone for the team's collective attitude.

EMPOWERMENT A GREAT LEADER RECOGNIZES THE STRENGTHS OF THEIR TEAM MEMBERS AND EMPOWERS THEM TO CONTRIBUTE MEANINGFULLY. DELEGATION IS NOT A SIGN OF WEAKNESS BUT A STRATEGIC MOVE TO LEVERAGE THE DIVERSE SKILLS WITHIN THE TEAM. TRUST YOUR TEAM TO TAKE OWNERSHIP OF TASKS, AND PROVIDE GUIDANCE AND SUPPORT WHEN NEEDED.

ADAPTABILITY IN A RAPIDLY CHANGING WORLD, LEADERS MUST BE ADAPTABLE. FLEXIBILITY ENABLES YOU TO NAVIGATE UNCERTAINTIES AND LEAD YOUR TEAM THROUGH CHALLENGES. EMBRACE CHANGE, ENCOURAGE A CULTURE OF CONTINUOUS LEARNING, AND BE OPEN TO NEW IDEAS. A LEADER WHO ADAPTS IS BETTER EQUIPPED TO GUIDE THEIR TEAM THROUGH DYNAMIC LANDSCAPES.

ACCOUNTABILITY TRUE LEADERS TAKE RESPONSIBILITY FOR THEIR ACTIONS AND DECISIONS. FOSTER A CULTURE OF ACCOUNTABILITY WITHIN YOUR TEAM, WHERE EVERYONE IS ANSWERABLE FOR THEIR CONTRIBUTIONS. WHEN LEADERS AND TEAM MEMBERS ALIKE HOLD THEMSELVES ACCOUNTABLE, IT CREATES A SENSE OF OWNERSHIP AND COMMITMENT TO ACHIEVING SHARED GOALS.

WHO DO YOU KNOW THAT IS LOOKING TO MOVE?

Spencer Real Estate 5916 South Main Clarkston, MI 48346 www.SpenerSold.com

248.396.7895