Sun Mon Tue Wed Thu Fri Sat 1 2 3

4 5 6 Free

Zwillow

WorkShop

7 Con-Ed

Class

8 9 10 Mutt

Strut at Ford

Field

11 Happy

Mother’s Day

♥♥♥♥♥♥♥♥♥

12 13 14 15 16 17

18 19 20 21 Free HUD

Workshop and

2 HR Con-Ed

22 Board of

Director’s

Meeting

23 24

25 26 Memorial

Day

27 28 29 30 31

MAY 2014

BOARD OF DIRECTORS Directors

Luis Rodriguez—President Barb Keleman

Al Makled—President Elect

Robert P. Marx

—Treasurer Frederick Tavolette

Carrie Gandolfo—Past President Justin Roy

Benjamin Welch

REALCOMP

GOVERNOR

USER

COMMITTEE

DABOR

STAFF

Dean

Eveslage

Madge

Marks

Laura

Green—CEO

Ted

Easterly

Russell

Raftary

Victoria

Strojny—

Admin. Asst.

Sandra

Kolar-Alt

Genie

Fisher

Thank you to Mr.

Rafi Sabbaugh

with Flagstar Bank

for sponsoring our

New Member

Orientation on

April 10th.

Contact your local American Home Shield Repre-

sentative

Mark Light

Senior Account Executive

800.800.8880 ext. 6116

jmlight@ahslink.com

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 scheduling@wescheduleit.com for a request for quote or to book an inspection.

Our board store offers many items to help

you with your business needs. Stop

by and see what is new today.

Free Prescription Drug Card Available Members saved nearly $300,000 on prescription drugs in 2013 through Drug Card America, a

REALTOR Benefits® Program participant. The drug card helps lower prescription costs at most major pharmacies, including CVS and Walgreens. If your members haven't taken ad-

vantage 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® and you will receive a free eProduct and valuable business boosting tools

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 laura@dabor.com

What is the Mutt Strut & Pet Expo?

The Mutt Strut & Pet Expo is a pledge-driven dog walk and community-wide animal cele-

bration with lots of entertainment, education, shopping, and fun for pets and their fami-

lies. 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 out-

reach programs through this great cause.

Mutt Strut Info

FREE OFFER

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 9:00am-

3:30pm. 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 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.

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®. The fact is REALTORS® 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 laura@dabor.com. 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

DABOR Affiliate Trade Show

Showcase your goods and services at our General Membership

Meeting June 10,2014

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 ask-

ing 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 custom-

ers 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 ques-

tion. 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: sitegeist.sunlightfoundation.com

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® Feder-

al 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 check-ing and debit cards, mortgage loans, commercial real estate loans, business lines of credit and more.

Not a Credit Union member? Join today online at www.realtorsfcu.org.

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 support-ed 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 MSHDA Offers “MI NEXT HOME” for Repeat Homebuyers

The Michigan State Housing Development Au-thority (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 ex-isting MI First Home program due to their previ-ous homeownership status.

The Down Payment Assistance is a 0% interest

rate loan that has no payments and does not be-come due until the homebuyer sells the home, pays off the first mortgage or refinances the ex-isting 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)

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: www.michigan.gov/mshda

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

http://www.youtube.com/watch?v=HX52j79mTLw

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 ac-cepted 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 dis-crimination (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.

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

Adam Seccombe

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

Light

America's Preferred Home Warranty(800) 648-

5006-Jeff Becker

Assenmacher and Associates P.C. (313) 277-

5800-Jerome E. Assenmacher

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

Swintek

Dearborn Federal Savings Bank(313) 565-3100–

William White

EHomeScore.com (248) 912-5512 - Frank

Mastroianni

First American Title Insurance(734) 692-

9914Frank Lucarelli

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

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

Armstrong

Housemaster Inspection Services - (888) 848-0202

Tom Rusco

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

Green

Parks Title (313) 505-6606 Mark Jefferson

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

PrimeLending A Plains Capital Company(313) 274-

6500-Chuck Hage

Reckingers Heating and Cooling(313) 562-3456-

Steve Krstevski

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

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

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

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

Linnane

June 2014 Sun Mon Tue Wed Thu Fri Sat

1 2 Pre-License

and Broker

Prep Class

Begins

3 4 5 New

Member

Orientation

6 7

8 9 10 General

Membership

Meeting &

Affiliate Expo

11 12 13 14

15 Happy

Father’s

Day

♦♦♦♦♦♦♦

16 17 18 19 Board of

Director’s

Meeting

20 21

22 23 24 25 26 27 28 CCW/CPL

Class

29 30