Thank you to Towne Mortgage

and DFCU Financial for

sponsoring our Meet & Greet

on May 20th.

Thank You to Dale Raines with

Accuspect Home Inspections

for sponsoring our New

Member Orientation on May

28th.

Thank you to Ali Shami with

PNC Bank and Chuck Hage

with Prime Lending for

sponsoring our General

Membership Meeting on June

2nd.

Sun Mon Tue Wed Thu Fri Sat

1 2 General

Membership

Meeting

3 4 5 6

7 8 9 10 11 12 13

14 15 16 17 18 BOD

Meeting

19 20

21 22 23 24 25 26 27

28 29 30

June 2015

BOARD OF DIRECTORS Directors

Al Makled—President Ted Easterly

Sam Baydoun—President Elect Robert P. Marx

Justin Roy—Treasurer Frederick

Tavolette

Luis Rodriguez—Past President Laura Adamson

Benjamin Welch

REALCOMP

GOVERNOR

USER

COMMITTEE

DABOR

STAFF

Dean

Eveslage

Mahmoud

Sobh

Laura

Green—CEO

Ted

Easterly

Andrea

Fitzgerald

Victoria

Strojny—

Admin. Asst.

Sandra

Kolar-Alt

Contact your local

American Home Shield

Representative

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

Advertise Here! Call for

details!

Become a Preferred Contractor

REALTORS and contractors in all areas of home

services are an integral part of each others

network. From building to cleaning to windows

and doors. From floors to ceilings, painting and

decorating. DABOR is looking for well-established

companies specializing in quality of workmanship

and customer service. Join our network of PRE-

FERRED CONTRACTORS for $25.00 per year.

Your $25.00 will put your company Information on

the DABOR website and on our monthly

e-newsletter that is distributed to over 700+

REALTORs each month. Additionally, the Pre-

ferred Contractor list (updated) is distributed to

each REALTOR member four times per

year. Contact us to start advertising today.

CLICK HERE for Preferred Contractor Form

Tip #15

Got cell service, everywhere?

When you’re showing commercial property, thick walls and/or remote locations may interfere with mobile

phone reception. Check in advance to be sure your phone is serviceable in the area in which you are

showing the property.

Tip #16

Choose flight over fight

While every real estate agent should take a basic self-defense course, the primary goal in any threatening

situation is to escape from immediate danger and call for help.

DABOR Preferred Contractors

REALTORS and contractors in all areas of home services are an integral part of each oth-

er’s network. From building to cleaning to windows and doors. From floors to ceilings,

painting and decorating. DABOR REALTORS have established relationships with well-

established companies specializing in quality of workmanship and customer service.

Browse our network of PREFERRED CONTRACTORS.

2015 PREFERRED CONTRACTORS LIST

Michigan REALTORS® YPN

Contact Info Main Contact: Joe Kras

Address: 720 N. Washington Avenue Lansing, MI 48906

Email: jkras@mirealtors.com

Main Website: Michigan REALTORS®

Alternate Website:

The Young Professionals Network is a dynamic entry point for real estate professionals striving to become more suc-

cessful in their careers and gain leadership experience. By providing this entry point, NAR is building a new, diverse

generation of leaders, strengthening members' affinity for the REALTOR® brand early in their career, and gaining a

valuable perspective on generational shifts. YPN's growth has been driven by REALTORS®. YPN has evolved from a

magazine offshoot to a determined, passionate, savvy group of members who use social media effectively and trans-

parently and who are committed to strengthening the REALTOR® brand.

On June 1, all MVP Subscribers will receive this:

YOUR ACTION: Download the REALTOR® Magazine digital app on your iPhone or Android

YOUR REWARD: Social Media for REALTORS®: Digital Marketing-Download. PLUS, you’re entered into a drawing to win one of five $50 American Express gift cards.

REWARD VALUE: eProduct Value $31.95, gift card value $50

YOUR OFFER DATES: June 1–15, 2015

Follow these few easy steps to earn your FREE reward:

1. Click the “ACT NOW” to be taken to the REALTOR® Magazine website.

2. Download the digital app and then fill out your information in the form.

3. Within 48 hours of filing out the form, you will receive your coupon code via email to download your So-cial Media for REALTORS®: Digital Marketing–Download. Gift card winners will be selected and notified via email after June 16.

Come on by and check

out our supply store!

APPLY FOR THE Michigan Realtors® SCHOLARSHIP - Applications Due July 1, 2015

Awards range from $500 to $2,000 and are distributed over two semesters.

Must have at least an average grade point of 2.0 on a 4.0 scale or equivalent of a "C" average.

Must exemplify character including demonstrated evidence of good citizenship.

Must be taking courses which are related to the real estate field, such as real estate, business, marketing, finance or law.

Must be a full-time student, entering junior, senior year or post-graduate work at a university or college.

Must provide a copy of college transcript to date.

Must complete and submit application by July 1, 2014 for the following academic year.

The Michigan Realtors® Scholarship Trust fund provides scholarships to full-time undergraduate and graduate students who are taking classes that will lead them to a real estate career. Students can receive up to $2000 per year from the fund. The applica-tion deadline is July 1 for the following academic school year. Trustees actually oversee and administer two funds: the Russel A. Pointer Fund and the Barney Harkins Scholarship & Educational Fund.

Russel A. Pointer (1897-1971) served the real estate profession for more than forty years. He was an adviser and counselor to both Michigan Realtors® and the National Association of Realtors® real estate education programs. Pointer served as past presi-dent of Michigan Realtors® (1950) and the Saginaw Board of REALTORS® (1951). He also served as a NAR director and as execu-tive director of the Real Estate Extension Program at the University of Michigan.

The Barney Harkins (1893-1986) Fund was established in 1976 through the generosity of Barney Harkins, an active real estate professional in Washtenaw County from 1915 to 1975. He was instrumental in founding the Ann Arbor Board of REALTORS® in 1919, served as president five times, served as president of Michigan Realtors® and was one of the first Realtors® to be named “Realtor® Emeritus” by the National Association of Realtors® .

The scholarship program continues to grow. Many local associations and individuals have made a commitment. Trustees hope that they can help even more people reach their goals of Becoming Realtors® next year. Contact Andrea Bates at 800.454.7842, to make a tax-deductible donation. You can also make a donation in the memory of a family member or friend.

Click Here to Apply For The Michigan Realtors® Scholarship

The June 2nd General Membership Meeting was well attended by over 150 REALTORS and Affiliates who came together to network, meet Affiliates and learn about the new CFPB Rules and Regulations coming August 1st. A panel of experts from title and lending services gave a presentation to the members to help them prepare for the RESPA changes.

Thank you to Ali Shami from PNC Bank and Chuck Hage from Prime Lending for sponsoring this lunch for the membership. We couldn’t do this without your support.

The June 2nd General Membership Meeting was well attended by over 150 REALTORS and Affiliates who came together to network, meet Affiliates and learn about the new CFPB Rules and Regulations coming August 1st. A panel of experts from title and lending services gave a presentation to the members to help them prepare for the RESPA changes.

Thank you to Ali Shami from PNC Bank and Chuck Hage from Prime Lending for sponsoring this lunch for the membership. We couldn’t do this without your support.

It was a very productive week at the REALTORS Legislative Meetings in Washington D.C. DABOR was well represented by President Elect Sam Baydoun in workshops and

round tables with associations from around the country. Most importantly Sam along with a contingent of Michigan REALTORS met personally with Congresswoman Debbie Dingell, Senator Gary Peters and Senator Debbie Stabenow regarding important REALTOR Issues e.g. Housing Finance Issues, Protecting Commercial Real Estate related tax provisions, Property tax Deductions, Like Kind Exchanges, Mortgage

Debt Forgiveness Tax Relief and Mortgage Interest Deduction.

A HUGE Congratulations to Century

21 Curran & Christie on Michigan

Avenue. They won a free lunch

compliments of Frank Lucarelli with

First American Title. And a HUGE

thank you to everyone that partici-

pated in the suits for soldiers event.

What an amazing success!

3 Questions to Convert Seller Leads

Pique their interest enough to let you get a foot in their door.

May 2015 | By Jared James

As a busy speaker and real estate trainer, I am fortunate enough to be able to travel to events all over North America. One of the common characteristics of many places I visit today is a lack of inventory, which exists almost everywhere I go. Whenever there is a lack of inventory, the power very much switches from buyers to sellers, so it’s pretty obvious who you want to be spending the majority of your time with right now: people looking to sell.

As the head of a company that has a department that does nothing else but create leads for real estate professionals, I can tell you from firsthand experience that if you know how to do it, creating seller leads is a lot easier than converting them. With that in mind, here are three questions you can ask potential sellers that will not only help you determine if they are ready to sell now, but also help you convert them into a listing for your business.

Would you be offended if I came by to do a quick five-minute onsite price consultation?

How many times have you had that initial excitement when a company like mine creates a seller lead for you only to find that you can’t get the lead to let you come by and do a true evaluation? Believe me, you are not alone. When following up with a seller lead, you can’t use real estate lingo and say things like “comparative market analysis.” They have no idea what that means!

They also don’t want to give an hour to a stranger to have them come and walk through their house. But if you explain how inaccu-rate online automatic estimates are and ask if they would be offended if you came by to do a quick five-minute onsite price consul-tation, you are accomplishing a couple of things. First, you are allowing them to say “no,” which is what they naturally want to do. That is, “No, I wouldn’t be offended if you came by…” Second, you eliminate the unknown of how long you plan to be in their house by asking to do a “quick five-minute onsite price consultation.”

At what price would you become a seller?

Someone who wants to know the value of their home doesn’t necessarily mean they actually want to sell, just like you being curi-ous about your credit score doesn’t mean you want to buy a car. If a potential seller is being a little reluctant, asking them at what price they would become a seller will break through a lot of wasted dialogue if you do it right. If they respond that there is no price they would sell at, then you just did yourself a favor. But if they respond with a price — even if it is above market value — then you know that you have something to work with.

Your neighbor’s house just came up for sale last week. I’m not sure if you are aware but this may have changed the value of your property. Would you like to know how it might have changed?

This line is pure genius, and it leverages something familiar to them that they are always going to be curious about: their neigh-bor’s property. It also leverages what I call communication 101: It’s not what you say, it’s what people hear. You are saying that their neighbor’s property being listed may have changed the value of their own home, but what did they hear? They heard that their value went up, which only piques their curiosity even more.

Using these three questions will not only help you become a more professional salesperson, but they will ultimately help you con-vert more of your seller leads and waste less of your time traveling down dead-end roads.

Don't Get Thrown by Doc Overhaul

Timely closings will require advance planning under new compliance rules.

MAY 2015 | BY ROBERT FREEDMAN

August 1 will be a big day for real estate professionals because that's when two new closing forms—a Loan Estimate and a Closing Disclosure—will replace the three forms you're used to working with: the HUD-1 Settlement Statement, the Good Faith Estimate, and the Truth-in-Lending disclosure form.

The purpose of the new forms, which were created by the Consumer Financial Protection Bureau with input from consumers and industry groups, including the National Association of REALTORS®, is to consolidate information and make it simpler for consumers to compare how close their costs are to what was originally estimated by the lender. The first page of the new Loan Estimate and the new Closing Disclosure are formatted in exactly the same way, so you and your clients can easily compare costs and note any changes. Expect refinements to the forms after they are released as the CFPB sees how well they work in the real world.

Stay up to date on RESPA developments here.

Although the information required isn’t much different, some of the compliance requirements are new. NAR analysts say the new procedures could prove challenging for two reasons.

First, the CFPB is requiring the closing disclosure to be given to the buyer three days before closing. That's to allow consumers time to look carefully at any deviations from the original estimates rather than make them consider the changes while the closing is un-derway. That's a positive change for consumers, but it means if you’re used to getting everything done at the last minute, you’ll have to do a better job of planning ahead to accommodate the new rules.

If there are any changes to the loan product or the interest rate once the closing disclosure has been given to the buyer, that could trigger a new three-day waiting period. Other changes requiring lender approval could add even more time to the waiting period. The additional holding period can be waived in certain emergency situations, such as an impending bankruptcy.

Learn more about the Aug. 1 Changes to HUD-1, Closing Process with this video and view samples of the forms.

These timing issues make it important to complete your paperwork and have it fully reviewed by all parties well before you get to the closing table. NAR recommends you give yourself a seven-day cushion before closing to get everything done. To that end, make sure buyers have seen the paperwork at least a week before a scheduled closing and that sellers do nothing at the last minute that could derail a transaction, like removing a light fixture that they agreed in the sales contract to leave in the house (see related sto-ry). You’ll also want to schedule the buyer’s walk-through well before the closing date so if anything is amiss, issues can be worked out well before the closing.

Given the possibility of changes triggering another waiting period or a last-minute change requiring lender approval, you should assume it will take an additional 15 days to complete a closing, NAR analysts say. That means if closings in your state typically take 30 days, allow 45 days. Over time, as the industry adjusts to the changes, those additional days might no longer be necessary. But for now, plan for a longer process.

ALL 18 HRS OF CON ED FOR THIS LICENSE CYCLE MUST BE COMPLETE BY

OCT 31 THIS YEAR.

Join us at DABOR for 6 hours of con ed including the required 2 hour legal up-

date. Lunch is included.

Next class is Sept. 9, 2015.

Thank you Ali Shami of PNC Bank

for the business Planning and Dale

Raines with Accuspect Home

Inspections for our lunch.

Maysa Balbaki

Mohamad Bzeih

Ali Nasri Chami

Sara Ciampa

Abbas Fawaz

Suzanne Godsell

Khalil Harajli

Naime Hassoun

Riad Nehmeh

Nadar Rammal

Jessica White

Samer Jaafar

Why I Left My Broker

Salespeople speak candidly about why they switched companies. Their insights get to the heart of a critical industry challenge: agent retention.

May 2015 | By G.M. Filisko

Brokers say it all the time: Sales associates don't leave a company because of money. It may be a factor, but money alone doesn’t drive them away.

So what does? We asked sales associates—some of whom had been at their previous brokerage for many years—to talk with us candidly about why they switched companies. Two main themes emerged: First, agents don't begrudge their broker’s profits—unless they perceive that those profits come at their personal expense. Second, just like buyers and sellers, salespeople need to feel that their success truly matters to their bro-ker. If owners and managers are unable to convey that they care about an agent as a person (not just as a profit center), they have little reason to expect that agent’s allegiance.

The agents who spoke with us didn't want to be fully identified because of the sensitivity of the subject. But their comments offer lessons for brokers seeking a better handle on agent retention.

Jim: Location Still Matters

I’ve been at five companies over the past decade. I've been with my current company for more than a year and was at my previous company for three years. I was at three different companies before then.

One of the companies was persnickety with fees. There was a monthly desk fee and a transaction fee. If I did at least one transaction in a month, the desk fee was waived. But if I did three transactions one month and none the next month, the broker still wanted the desk fee the second month. Another top salesperson there wanted the broker to wire a commission payment to him. The company was busting his chops over the $30 wire fee. The agent even offered to share the cost based on his commission split, which meant the company would pay only 20 percent of $30. That broker was penny-wise and pound-foolish.

I left another company to join one that I thought had a better location. I’m a great believer in floor time. So I've always looked to be at the loca-tion with the best walk-in traffic. I was at a company for three years in an area with a lot of restaurants and people walking by. But the walk-in traffic wasn’t what I expected. People would stop and look at the listings in the window, and you'd try to chat them up but get no good leads. The demographics of the walk-in traffic didn’t match the demographics of the properties we sold. There was also no parking in front. A good location has both foot traffic and vehicle parking so people driving by can see the "real estate" sign and pull right in.

My message to brokers: Don't put your profitability ahead of ours. A fee here and there is OK. When salespeople feel assaulted by fees, that's a problem. Also, location still matters. And the amenities that go with the location, like nearby parking, matter, too.

Michael: Looking for a Partner

I was with my former company in Atlanta for seven years and was relatively happy—comfortably numb might be a good description.

My former broker decided to affiliate with a national brand, and we ended up going through sign and branding changes. The culture also became different. The communication felt less like a family and more corporate. That put a burr in my saddle.

It didn't feel like there was a lot of broker support in the office, and I'd end up being called on by the newbies to be the de facto broker. I thought, I’m just being a surrogate daddy because I happen to be in the office regularly. I'm never going to have the business that really excites me. There were businesspeople in the company building their empire but they were not helping me build mine.

Then I heard another broker talk about how you can control your own business. Instead of having to do more work because of decisions made above me, I could go to a company that would help me take more control of my business. My new broker got me to focus on being a business-person, like how to determine if incorporating benefited me, how to set aside money for taxes, and how to run my business with QuickBooks and other tools.

My message to brokers: I'd affiliate with any broker focused on how to help me make smarter business decisions.

Vanessa: Culture Is Key

I've been a real estate salesperson for more than 15 years and was with one company for 13 years. Two years ago, my husband and I relocated from one southern state to another.

I affiliated with a large independent in my new home state, but I realized early on I needed to switch companies because I felt so out of place. I didn't go to the biggest university in this state. I didn’t belong to a major sorority, and my granddaddy didn’t go to school with anybody in this city. Because I was new to the market, people assumed I was new to the business and treated me like a rookie. They’d say things about my sales skills and split hairs like, "We don’t call it earnest money here; we call it a trust." It was a very isolating culture. I didn't want to be known as an agent who jumps from one broker to another, so I gave it a year. But I had only five transactions in that time.

One of those transactions involved a listing agent at my current company, the local office of a national franchise. The deal started to head south, and the agent on the other side was out of the country. I went straight to her broker and enjoyed my interaction with him. That's when I started believing my new company would be a better fit. We closed to everybody’s satisfaction, and then he asked me to lunch.

I knew he was going to recruit me. But I didn't make a decision right away. I wanted to give my broker the respect he deserved and let him know I wasnt happy. We had a good conversation. He’s a great broker and he tried his best. It just wasn’t a culture fit.

Besides my current broker, I had two others recruit me. If my decision had just been about money, I’d have gone to one of the others. I guaran-tee I could have made more money. However, my current broker reminded me of the people where I used to live—his mindset and his philoso-phy. It has all worked out for the best. In my first four months with my current company, I had three closed transactions and three scheduled-to-close transactions, surpassing my sales for all of last year.

My message to brokers: Money comes and goes. I had to find a broker I felt like I could grow with.

Jean: Don’t Wing It

I was with a very small mom-and-pop shop in a New York suburb for 10 years before I affiliated with my current broker. What triggered me to begin looking was the day I was stung by a bee. I was in the ER panicked because nobody at the company was free to cover the open house I’d advertised for the next day.

But it was more than that. The broker didn't have office meetings, which was a big thing to me. They're a good place to brainstorm, bounce around ideas, and build camaraderie. And there weren’t a lot of policies. The same troubling situation would happen over and over. If you'd worked with a buyer previously and the buyer later called the office, the buyer would be directed to you. That's unless the buyer happened to call in when one of the broker's favored agents was working floor time. Then the broker would say the person doing floor time gets to claim all buyers who call in.

Also, my former broker was a selling broker. I lost business because of prospects I'd generated who didn’t understand how the business worked and called in without asking for me. I’m sure some of them thought their business somehow also benefited me. I once paid for a Google ad and later realized I wasn’t getting any leads. I believe my broker was taking all those leads.

My message to brokers: Policies, systems, and meetings are important; salespeople need information they can rely on. Also, I didn’t know how much it bothered me that my broker was competing with me until I realized I didn’t have to worry about it anymore.

Jarod: It’s Not About Money

I was at another brokerage for two years, and I've been with my current one for a year. I didn’t feel like I was getting any attention at my previ-ous company. I'd get help if I needed a transactional or procedural question answered. But I felt like nobody was there for me when it came to how to get more business.

When I'd reach out for help, the response would be, "We'd be happy to have another salesperson coach you if you give her 10 percent of all new business for the next year.” However, they wouldn’t tell me what would be provided for that fee. It also bothered me that if I'd planted a seed with a friend or family member a year earlier and those people did business with me in the next year, that other salesperson would get 10 percent of that business, too.

My decision to leave was clinched when I crossed paths on a transaction with the owner of my current company, which is part of a national brand. He recruited me, and we had a good meeting. The second meeting was all about: "This is how we’ll grow your business." It felt like a real plan and not just a recruiting meeting. I excelled quickly here and became a branch manager. Now I'm helping others excel here, too.

My message to brokers: It's all about the people. If I switched companies again, I'd want to know whether the person recruiting me was the same person I'd work with if I needed help. I want to be where my broker has a vested interest in growing my business.

All interested members should complete the application form and send it to DABOR, 2350 Monroe Street,

Dearborn, MI 48124 or laura@dabor.com no later than August 1, 2015. Please include a photograph.

Three Director(s) will be elected in September of 2015 to serve a three-year term (2016, 2017, and 2018).

Applicants must be a REALTOR® member of DABOR for at least two years.

The Board of Directors is the governing body of the Dearborn Area Board of REALTORS®. The function of the Board of Directors is to govern board policy, engage members and promote the REALTOR® image. Directors represent the membership as a whole and ensures Board's policies benefit the total membership. Directors maintain close contact with the general membership to determine its needs and desires and secure adequate representation to the Michigan REALTORS® and the National Association of REALTORS®.

Call for Board of Director Nominations

Accepting Applications for Board of Directors

The Nominating Committee will meet in August to select candidates for each of the vacancies. A profile of each candidate will be published in the August & September issues of the DABOR Focus Newsletter as well as the DABOR Website www.dabor.com

Legal Hotline

QUESTION: For estate planning purposes, my neighbor would like to add her 14 year old daughter to the deed to

her home. Is this legal?

ANSWER: Yes. There is nothing prohibiting a minor from holding title to real property. The difficulty will arise if the

neighbor and her daughter later want to sell the home while the child is still a minor. Your neighbor should consult

an estate planning attorney prior to adding her daughter to the deed.

Article 10

Realtors® shall not deny equal professional services to any person for reasons of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Realtors® shall not be parties to any plan or agreement to discriminate against a person or persons on the basis of race, color, religion, sex, handicap, familial sta-tus, national origin, sexual orientation, or gender identity. (Amended 1/14) Realtors®, in their real estate employment practices, shall not discriminate against any person or persons on the basis of race, color, religion, sex, handicap, famili-al status, national origin, sexual orientation, or gender identity. (Amended 1/14)

Standard of Practice 10-1 When involved in the sale or lease of a residence, Realtors® shall not volunteer information regard-ing the racial, religious or ethnic composition of any neighborhood nor shall they engage in any activity which may result in panic selling, however, Realtors® may provide other demographic information. (Adopted 1/94, Amended 1/06) •

Standard of Practice 10-2 When not involved in the sale or lease of a residence, Realtors® may provide demographic infor-mation related to a property, transaction or professional assignment to a party if such demographic information is (a) deemed by the Realtor® to be needed to assist with or complete, in a manner consistent with Article 10, a real estate transaction or profes-sional assignment and (b) is obtained or derived from a recognized, reliable, independent, and impartial source. The source of such information and any additions, deletions, modifications, interpretations, or other changes shall be disclosed in reasonable detail. (Adopted 1/05, Renumbered 1/06) •

Standard of Practice 10-3 Realtors® shall not print, display or circulate any statement or advertisement with respect to selling or renting of a property that indicates any preference, limitations or discrimination based on race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. (Adopted 1/94, Renumbered 1/05 and 1/06, Amended 1/14) •

Standard of Practice 10-4 As used in Article 10 “real estate employment practices” relates to employees and independent contractors providing real estate-related services and the administrative and clerical staff directly supporting those individuals. (Adopted 1/00, Renumbered 1/05 and 1/06)

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 course-

work 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 cur-

rent 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.

Cycles-2010-2012 / 2013-2015 / 2016-2018 / 2019-2021 etc.

Click here for the Quadrennial Code of Ethics Training requirements

DABOR Bulletin Board

Continuing Education Requirements

2015 Con-Ed Classes

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 2015. 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.

September 9

October 1

October 21

July 2015 Sun Mon Tue Wed Thu Fri Sat

1 2 3 4 Happy 4th of

July!

5 6 7 8 9 10 11

12 13 14 15 16 17 18

19 20 21 22 23 24 25

26 27 28 29 30 31

Accuspect Home Inspection Co. (734) 678-0975

- Dale Raines

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

Capital Mortgage Funding (248) 833-5163 - Sam

Mansour

Dearborn Federal Savings Bank (313) 565-3100

- William White

Dearborn Federal Credit Union (313) 322-8239-

Peggy Richard

EHomeScore.com (248) 912-5512 - Frank

Mastroianni

First American Title Insurance (734) 692-9914 -

Frank Lucarelli

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

Pillar To Post, Home Inspections - (734) 427-5577-

Dave Dalfino

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

PrimeLending A Plains Capital Company

(313) 274-6500 - Chuck Hage

Title Solutions Agency, LLC (734) 259-7130 - Brad

Nolit

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

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

Venture Title Agency (313) 486-0100 - Lola Elzein

Zeal Credit Union - (734) 466-6111 - Corrine Dye-Hale