Thank you to Towne Mortgage

and DFCU Financial for

sponsoring our Meet & Greet

on May 20th.

Thank You to Brad Noblit-

with Title Solution Agency,

LLC. For sponsoring our New

Member Orientation on Aug.

27th.

Thank you to Ali Shami with

PNC Bank and Chuck Hage

with Prime Lending for

sponsoring our General

Membership Meeting on

June 2nd.

BOARD OF DIRECTORS Directors

Al Makled—President Barb Keleman

Sam Baydoun—President Elect Robert P. Marx

Ted Easterly—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

Sun Mon Tue Wed Thu Fri Sat 1 2 3 4 5

6 7 8 9 Con-Ed

Class

10 11 12

13 14 15 General

Membership

Meeting - Park

Place

16 17 Board of

Directors

meeting

18 19

20 21 22 23 24 25 26

27 28 29 30

SEPTEMBER 2015

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

PREFERRED CONTRACTORS for $25.00 per

year. Your $25.00 will put your company Infor-

mation on the DABOR website and on our

monthly e-newsletter that is distributed to over

700+ REALTORs each month. Additionally, the

Preferred 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

Nominees for DABOR Director

These five DABOR REALTOR's have been nominated for three open positions on the DABOR Board of Directors. The three nominees with the highest number of votes will serve a three year term starting January 1, 2016. REMEMBER TO VOTE on September 15th.

TED EASTERLY HOSSAM HARB MARIA LACARIA

SALLY MROZOWSKI BENJAMIN WELCH

Builders Feel Like It's the Housing Boom Days DAILY REAL ESTATE NEWS | TUESDAY, AUGUST 18, 2015

Builders are feeling more confident as sentiment over the new single-family home market rose to its highest level since

November 2005, according to the latest National Association of Home Builders/Wells Fargo Housing Market Index.

Read more: New-Home Market Expected to Strengthen

The index gauges builder perceptions of current single-family home sales, sales expectations for the next six months, and

buyer traffic. The index rose one point in August to 61. Any reading above 50 indicates that more builders view condi-

tions as "good" than "poor." Broken out, the index measuring buyer traffic rose two points in August to 45; current sales

conditions rose one point to 66; and the index measuring sales expectations in the next six months held steady at 70.

"Today's report is consistent with our forecast for a gradual strengthening of the single-family housing sector in 2015,"

says David Crowe, NAHB chief economist. "Job and economic gains should keep the market moving forward at a modest

pace throughout the rest of the year."

Regionally, the index rose by the most in the West and Midwest in August, both seeing a three-point increase to 63 and

58, respectively. The South also saw a two-point increase to 63 while the Northeast held steady at 46.

"The fact the builder confidence has been in the low 60s for three straight months shows that single-family housing is

making slow but steady progress," says NAHB Chairman Tom Woods. "However, we continue to hear that builders face

difficulties accessing land and labor."

Source: National Association of Home Builders

Volunteers Needed!

The Dearborn Firefighters are holding their

Annual Burn Drive Golf Outing

September 26th at the Lakes of Taylor Golf Club.

Our hardworking firefighters

would appreciate help with the event. If you can do a 2 hour shift between 9am and 3pm let us know. Please contact laura@dabor.com or call the office @ 313-278-2220. We always have a great time helping the Firefighters.

Laura Green, CEO, e-PRO

Dearborn Area Board of REALTORS

Come on by and check

out our supply store!

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.

Offer from September 1 to 15, 2015

Your Action:

Register for the 2015 REALTORS® Conference & Expo

Your Reward:

A copy of conference speaker Linda Rottenberg’s book "Crazy Is a Compliment: The Power

of Zigging When Everyone Else Zags" and a chance to win a $250 Gift Card Click Here to Learn More about Linda and "Crazy is a Compliment"

This revolutionary read – a $16.21 value – examines how to be nimble, adaptive, daring--and maybe even a little crazy--or risk being left behind in your business. And when you register for a Premier Access pass to the conference, you can download a complete set of education session audio recordings after the event.

All members who take advantage of this MVP offer will be entered for a chance to win a $250 gift card – great for spending money in San Diego!

Value $27.95

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

other’s network. From building to cleaning to windows and doors. From floors to ceil-

ings, painting and decorating. DABOR REALTORS have established relationships with

well-established companies specializing in quality of workmanship and customer ser-

vice. Browse our network of PREFERRED CONTRACTORS.

2015 PREFERRED CONTRACTORS LIST

DABOR Preferred Contractors

Sign up and check your 2015

Con-Ed credits here……..

www.cemarketplace.net

Battling the Neighborhood Eyesore

How to battle the neighborhood eyesore when it's next door to your listing.

JUNE 2011 | BY MELISSA DITTMANN TRACEY

Abandoned homes can be an unpleasant sight. Overgrown lawns, boarded windows, sagging gutters, and unsightly

mold—not to mention, a higher risk of fires, vandalism, rodents, and mosquitos.

Properties are often left to deteriorate while in foreclosure limbo; the owner is already gone but the bank can’t take pos-

session until the foreclosure process is finalized.

So what happens when you have to sell the property next door? According to research by the Center for Responsible

Lending, foreclosures will affect 91.5 million nearby homes by 2012 and reduce property values of these homes by

$20,300 per household.

“We were getting a lot of complaints from real estate professionals about these properties looking unkempt and asking

what we can do about it,” says Bud Humbert with Century 21 Associates in Waldorf, Md., and also the chairman of the

legislative committee for the Southern Maryland Association of REALTORS®. On behalf of his association, Humbert,

also an REO specialist, approached Charles County officials to request that they update the county’s nuisance abatement

law to include a "clean and lien " provision. The rule would allow the county to step in and clean up vacant properties and

put a lien on them for the cost of the cleanup. Other cities and counties have enacted similar ordinances.

If that neighborhood eyesore is bringing down your listing, here are some steps you can take:

Notify the homeowners’ association. Most HOAs will pay to have the grass mowed and take care of maintenance

issues, and then tack the expense on to the HOA bill, which will have to be cleared by the bank before the property sells,

Humbert says.

Investigate local and state laws. Some states, such as California, will fine owners for not maintaining properties.

New Jersey passed a law that puts banks in charge of maintaining the property from the beginning of the foreclosure pro-

cess. Whom should you contact with your gripe? Start with your city’s building division; it’s often in charge of making

sure a vacant property is boarded and secured. The bylaw department can check for building code vio­lations, the fire

department can inspect for fire hazards, and the police can help if there’s vandalism.

Make property boundaries clear. "We are called on to handle this situation frequently, " says Margaret Innis,

owner of home staging company Decorate To Sell in Andover, Mass. "On the outside, fences make good neighbors; so

does landscaping with arborvitae shrubs—a fast fix worth the investment. Inside, use plantation blinds turned down

so the light comes in but the view does not. "

Help with cleanup. Stepping in to help with the maintenance can be tricky. Regardless of your good intentions,

your actions could be considered trespassing. First figure out who owns the property, which can be a challenge in it-

self, and then offer your assistance. Some cities and counties have started a vacant property registration that makes it

easier to locate the owner. When Andy Hood, with Weichert, REALTORS®–Covington Group in Madison, Miss.,

struggled to sell a condo that overlooked the patio of a foreclosed property, he called the neighbor and asked if he

could clean. "The woman was grateful and accepted my offer, " he says. "I hauled away a truckload of junk, pressure-

washed the exterior, washed the patio furniture, and weeded and pruned her flower beds and shrubs. " Hood’s listing

sold immediately after.

So you thought you were in the homestretch because you accepted a great bid on your home? Think again! The closing pro-cess has only just begun—and for most sellers, the appraisal can be one of the scariest parts.

For starters, lenders often require the use of their own, FHA-approved appraiser. That means you get zero say in who’s de-termining the financial value of the home you’ve lived in, loved, and sunk your savings into.

Here are some things sellers can do—straight from the appraisers’ mouths—to navigate the process.

Keep in mind that appraisers aren’t magicians

The appraiser won’t know what your home is worth the second he walks in the door.

“People think we know the value of the property as soon as we see it,” says Michael Coyle, the founder of The Coyle Group in Lafayette Hill, PA.

That’s simply not the case. A good understanding of the appraisal process will go a long way toward comprehending how your home’s value is determined.

First, an appraiser will pull comparable listings (called “comps”) from the nearby area. These are homes similar in style, loca-tion, and footage sold within the past few years. Then, he’ll come by your house to determine its condition and quality, as well as any other factors that would affect the cost of the home, and use that information—along with the comps—to make an accurate assessment.

This usually takes at least a few days—and definitely more than a few hours.

Prep your space—and its occupants

No, the appraiser isn’t coming by to judge the cleanliness of your homestead—but it’s still good form to declutter, dust, and mop beforehand to show your home in its best light, according to appraiser Adam Wiener, the founder of Aladdin Apprais-al in Auburndale, MA.

A good appraiser won’t devalue your home because it’s messy—but a neat, organized home might help you.

“Even if they’re not consciously aware of it, the appraiser might value (a messy home) a little lower,” Wiener says.

Also, make sure the occupants of your home are prepared for the appraiser’s arrival, including teenagers who tend to stay holed up in their rooms.

“And make sure everyone’s clothed,” Coyle adds. “Sometimes, they forget to tell the teenager.”

5 Things Your Home Appraiser Wishes You Knew By Jamie Wiebe

6:00 am ET September 2, 2015September 2, 2015

Get your paperwork in order

Before the appraiser arrives, gather all the information you have about the house and send it over. Most appraisers will ask for this upfront, either directly or through the lender or broker.

Coyle recommends having on hand a list of major improvements as well as detailed info about the age and condition of the roof, HVAC systems, and major appliances. For any DIY projects, make sure you have the original permits.

“My favorite customers are the ones who have all the information ready for me,” he says.

There’s nothing worse than an appraiser pulling comps for a 1,200-square-foot 1920s Cape Cod–style house, only to realize on the day of appraisal that your master bedroom addition adds an additional 500 square feet.

When that happens “none of my comps are any good and my values are off,” Wiener says.

And that means more work—and more time before a final assessment can be reached.

So go the full-disclosure route.

“Hand it to them on a silver platter: Here’s my neat, gorgeous house, shown in its best light, and all the things that are awe-some about it,” Wiener says.

Don’t put too much stock in home improvements

We’re sure your brand-new kitchen is stunning—but don’t be surprised if it doesn’t proportionally raise your home’s market value.

Appraisers stress moderation in assuming how much your shiny, brand-new kitchen will add directly to the worth of your house. If you spent $50,000, you’re likely to see only a fraction of that returned in value. That goes double for a new pool, which “does not bring as much value as people think,” Coyle says. (This might vary if you live in a hot climate where pools are near expected.)

As for your finished basement: Sorry, but that’s even less help. Most appraisers use ANSI standards for measuring the square footage of a home, which excludes any rooms below grade. That doesn’t mean your basement has no value, but it doesn’t technically add space.

Don’t engage in listing ‘puffery’

Before listing, make sure you and your Realtor® take a realistic look at what your home actually offers. Are you including the basement square footage in the total? Are you hoping no one will notice your roof isn’t new? Preparing yourself ahead of time with a pragmatic estimate will ease the appraisal process.

And above all else, make sure not to fudge the numbers.

“There’s an epidemic of puffery,” Wiener says.

This is particularly rampant in areas where the assessor’s information isn’t accessible online. When you know potential buy-ers have to actually, gasp, go in person to look up the sketches, it might be a lot more tempting to pad some square footage here and there.

After all, who will notice?

Here’s who: Your appraiser—who’s happy to go to the office and pull 20 or 30 comps. And he won’t be fooled.

Take our Self Defense Class. Saturday September 26 1-3 pm at Mash Gym.

26575 Eight Mile Rd, Redford Charter Twp. Cost TBD by class size. Call the board office to Register 313 278 2220.

Everyone is welcome. Please bring a friend or relative.

Tip #21

Have your excuse ready

Part of being prepared to deal with a threatening situation is having “an out.” Prepare a scenario in ad-

vance so that you can leave—or you can encourage someone who makes you uncomfortable to leave.

Examples: Your cell phone or pager went off and you have to call your office, you left some important in-

formation in your car, or another agent with buyers is on his way.

Tip #22

Take two seconds when you arrive at your destination to check out potential dangers:

Is there any questionable activity in the area?

Are you parked in a well-lit, visible location?

Can you be blocked in the driveway by another vehicle?

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 Brad

Noblit with Title Solutions LLC for

our lunch.

Talal Farran

Keith Ferguson

Alfred Fields

Hayder Mahbuba

Janee Martin

Christopher Powers

Linda Snyder

Legal Hotline VOLUNTEERS NEEDED

Planning is already underway for the 2016 DABOR

Home and Garden Expo.

The membership committee is looking for volunteers to serve on a task force to help make this event a success. Some of the task force efforts will be reaching out to vendors, marketing, volunteering at the expo etc.

Our first meeting is July 1st 9:00-10:00 am at the DABOR office. Every little bit of help is appreciated.

Article 13 Realtors® shall not engage in activities that constitute the unauthorized practice of law and shall recommend that legal counsel be obtained when the interest of any party to the transaction requires it.

2015 CODE OF ETHICS

QUESTION: I have a buyer who wanted me to find out the local area MEAP scores. When I went to the website with the scores, I noticed that they were broken down by many differ-ent demographics including race. Can I provide my buyers with this list?

ANSWER: REALTORS® should not distribute demographic information broken down by race. Instead, REALTORS® should provide buyers with a list of the various websites from which they can obtain MEAP score information.

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

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.

2015 Con-Ed Classes

September 9

October 1

October 21

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

Sun Mon Tue Wed Thu Fri Sat 1 Con-Ed Class 2 3

4 5 6 7 8 9 10

11 12 13 14 15 Board of

Directors Meeting

16 17

18 19 20 21 Con-Ed Class 22 23 24

25 26 27 28 29 30 31

October 2015