Thank You to Tom Rusco with

HouseMaster For sponsoring our

New Member Orientation on Dec.

3rd.

Thank you to Chuck Hage with

Prime Lending for sponsoring our

Con-Ed class on Oct. 1st and Thank

you to Frank Lucarelli with First

American Title for sponsoring our

Con-Ed class on Oct. 21st.

Thank you to Chuck Hage with

Prime Lending and Title One for

sponsoring our General

Membership Meeting on Dec. 8th.

BOARD OF DIRECTORS Directors

Al Makled—President Laura Adamson

Sam Baydoun—President Elect Hossam Harb

Ted Easterly—Treasurer Robert P. Marx

Luis Rodriguez—Past President 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

December 2015 Sun Mon Tue Wed Thu Fri Sat

1 2 3 New

Member

Orientation

4 5

6 7 8 General

Membership

Meeting

9 10 11 12

13 14 15 16 17 BOD

Meeting

18 19

20 21 22 23 24 25 Merry

Christmas!!

26

27 28 29 30 31

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

brought to you by

American Home

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

Current Offer

Valid from December 1 to 15, 2015Offer from December 1 to 15, 2015

Your Action:

Your Action: Register for the ABR® Online Course!

Your Reward: $35 Amazon Gift Card

Your $35 Amazon gift card will be emailed to the address you utilize when registering for the course by 12/20/15

Value: $35

Details: Register for NAR’s Accredited Buyer's Representative (ABR®) Designation Online Course through the Center for REALTOR® Development between December 1-15. Develop the skills and resources you need to succeed as a buy-er’s representative! Upon purchasing the online course, you’ll receive an email within 48 hours with information about how you will be receiving your $35 Amazon Gift Card! Only online course registrations between December 1-15, 2015 will be eligible for this offer. Only U.S. members of the National Association of REALTORS® are eligible to receive this offer. Must have a valid NRDS ID number and e-mail address to register.

http://www.housemaster.com/home_inspector/office/000261

Fit a Small Office in Your Small Home

By: Terry Sheridan

Setting up a small office in your small home means finding new uses for closets and other tucked-away spaces.

No matter where you choose to put your home office, make sure you have enough room for storage and, ideally, some natural light. Image: M. Studio Gallery, Cold Spring, NY/Sandy Viola "Wings of Love" photography

Yes, you can! Squeeze a small office into your small home, that is. But that doesn’t mean you have to take over one of the kids’ bedrooms—just look for under-utilized space.

After that, it’s decision time: How much to spend, how big to make the office, and how you’ll use it. Here are five solutions to consider:

1. Kitchen helper. From a $400 store-bought island for bill-paying to a breakfast bench nook with file drawers built in under the seats (cost: $5,000 to $15,000), your kitchen is a treasure trove of small office possibilities. Even a slide-out cutting board (about $500 in a cabinet package) can serve as a nifty desktop. 2. Closet conversion. Get rid of unused stuff or consolidate it in another area, and a 3- to 8-foot-wide closet accommodates a built-in desk, shelves, and light-ing. Make a nearby chair do double duty for your desk. With doors and wiring for lighting and a phone, and possible added drywall, your new small office would cost $2,000 to $4,000. Keep in mind that the more floors and walls that wiring has to travel through, the costlier it gets. 3. Porch possibilities. Convert that long, narrow space on the side of your small home that gets only seasonal use to a year-round office for about $15/sq. ft. Use plug-in space heaters and fans for your HVAC system. Use inexpensive, freestanding shelves to provide storage space. Cost: About $70 for a 30-inch-by-80-inch bookshelf. 4. Those out-of-the-way spaces. Alcoves, lofts, stair landings, basement and garage corners, and bedroom nooks qualify as potential office space. Use free-standing shelving units and bookcases. Plants or privacy screens can “wall” the area without making it feel smaller. You can build a bench for visitors with storage space inside for about $130. Want a craftsman to build it for you? Add another $300 to $400. 5. Under-used dining rooms. Formal dining rooms can be overrated. If yours isn’t being used regularly, convert it to a small office. You’ll be close to your main entry, making it easy to receive clients and business associates. If a nearby kitchen or other busy household area is a noisy distraction, install French or sliding doors as acoustic barriers.

Read more: http://www.houselogic.com/home-advice/home-offices-studios/fit-small-office-your-small-home/#ixzz3tB88NrRT Follow us: @HouseLogic on Twitter | HouseLogic on Facebook

In 2015 DABOR REALTORS volunteered in two Habitat for Humanity builds, a Suits for soldiers clothing drive, three events sup-porting the Firefighters Burn Drive, the Dearborn Homecoming, Food Drive and a Toy Drive for the Boys and Girls Club. A huge thank you to those who volunteered throughout 2015. Your service is greatly appreciated. We are very proud of our REALTOR Community.

In keeping with the NAR Core Standards for REALTOR Associations and continuing to meet and exceed the Community Outreach and Advocacy requirements of MR and NAR, DABOR is continuing our efforts to build relationships and enhance the REALTOR im-age in our community. Please rank the activities listed below in order of importance as you would support through the coming year.

https://www.surveymonkey.com/s/D9ZC92N

CONGRATULATIONS TO CENTURY 21 CURRAN & CHRISTIE ON MICHIGAN

AVENUE FOR WINNING THE NOVEMBER FOOD DRIVE.

A HUGE THANK YOU AGAIN TO EVERYONE WHO

DONATED.

Analyst: Rubio or Cruz Will Face Clinton in 2016 DAILY REAL ESTATE NEWS | TUESDAY, NOVEMBER 17, 2015

The 2016 presidential election will come down to Hillary Clinton and either Marco Rubio or Ted Cruz, political analyst

Charlie Cook told several thousand REALTORS® on Saturday at the Federal Political Forum. Cook is editor of the Cook

Political Report and a frequent analyst on network campaign coverage.

Read more: Housing Should Be Central to 2016 Elections

Despite the interest in Sen. Bernie Sanders of Vermont now, the mix of primaries and caucuses favors Clinton too heavi-

ly for her not to get the nomination. Her one hurdle is the e-mail scandal, which Cook believe will fade away by the time

voting begins, although there’s a 15–20 percent chance the matter could turn into a legal issue. If that happens, the risk

for her would increase.

On the Republican side, despite their popularity now, businessman Donald Trump and former neurosurgeon Ben Carson

have hit the top of their support and neither is likely to see more gains going forward. By the time voting begins next

year, their support is likely to be less than it is today.

Former Florida governor Jeb Bush and Ohio governor John Kasich, despite their obvious strengths and qualifications for

the presidency, are not firing up their party establishment and their opportunities to break through are starting to close.

Cook says the Republican race will come down to a battle between the establishment wing of the part and the outsider

wing, which includes tea party economic conservatives and evangelical Christians. Cruz, whom Cook described as

“brilliant,” regardless of what you think of his politics, will consolidate support of the outsider wing, and Florida senator

Rubio will do the same for the establishment wing.

Former Hewlett-Packard chief Carly Fiorina, another outsider candidate, could very well be a top pick as a vice presiden-

tial running mate.

In the U.S. Senate, Democrats are likely to make a strong showing and either win back that chamber or at least get the

split between the two parties very close to 50–50. That’s because Republicans must defend far more seats than Demo-

crats, and many of the seats are in states that typically vote Democratic in presidential elections, while Democrats have a

far easier mix of races facing them.

Cook noted that REALTORS®, because they’re leaders in their communities, play an outsized role in elections. “You

have a kind of multiplier effect” in your influence, he said.

—REALTOR® Magazine

FHA Condo Financing Changes: What to Know DAILY REAL ESTATE NEWS | TUESDAY, NOVEMBER 24, 2015

First-time buyers as a share of the housing market continues to lag, and with interest rates potentially going up as soon as December, things could

potentially get worse before they get better for households trying to get into the market.

There are many reasons for the drop in first-time buyers—strong home price appreciation, tight underwriting requirements, too-few homes for sale at

affordable price points—but there’s at least one bit of good news to report: The Federal Housing Administration (FHA) is making it a little easier for

buyers to get federally insured financing for condominiums. This is important because condos have traditionally been one of the best ways for new

home owners to get into the market.

Missed an episode? Catch up on The Voice for Real Estate news series here.

Under administrative changes, FHA announced at the 2015 REALTORS® Conference & Expo in San Diego last week that second homes are no long-

er considered “investment property” for purposes of determining the owner-occupancy ratio of a project.

Prior to the change, if someone who owns a unit in a condo project uses the unit as a second home, that unit doesn’t count as part of FHA’s 50-percent

owner-occupancy requirement. Under that requirement, if fewer than half the units are owner occupied, someone who wants to buy a unit in the project

can’t get FHA-backed financing. That hurts if FHA is the only viable financing option.

But the FHA change has wider implications than that because it sends a signal to conventional and other mortgage financing sources that it might be

time for them to rethink their owner-occupancy ratios as well.

FHA announced two other changes at the NAR conference last week: a streamlined recertification process and an expansion of the types of insurance

condo owner associations can have for their project to be eligible for FHA financing.

These three changes are key because they address one part of condo financing that has nothing to do with the creditworthiness of the borrower: they

address the hoops the condo project has to go through before FHA will permit a borrower to apply for its mortgage insurance.

It’ll be helpful to watch how things change in the months ahead to see if the eased requirements lead to more households obtaining FHA financing for

condo purchases. But for now, REALTORS® can take satisfaction in knowing FHA responded to concerns NAR had been raising for the last three

years. And more changes are in the works, according to the FHA official who announced the changes last week in San Diego.

The FHA announcement is one of the stories in The Voice for Real Estate for the week of November 23, 2015. Another segment looks at NAR’s new

member benefit for keeping REALTORS® integral to real estate as transactions increasingly go digital. Under the benefit, REALTORS® get free ac-

cess to two products from zipLogix®: its forms software program and its transaction management platform.

—Robert Freedman, REALTOR® Magazine.

To learn more about the Dearborn Public Schools and the many programs they offer.

1. Superintendent Blog, realtors can sign up by entering their email and receive automated email updates. Go to the subscription box on the right had side of the blog. http://superintendent.dearbornschools.org/

2. Here is a link to a talk show titled Happenings in Dearborn Public Schools. This episode is aligned with much of our discussion today regarding options for students. https://www.youtube.com/watch?v=ejBwKo4Q-Es&feature=youtu.be

3. Here a link to a previous Happenings in Dearborn Schools episode on the Feeder Track Model. https://www.youtube.com/watch?v=sPNzDKy-8Uw&list=PLXkPl0dZzj_l8Z70PDOwCuVhX7n60wpzr&index=4

4. Here is the link to the Dearborn Public Schools Home Page. https://dearbornschools.org/

House Bill 4173 Heading to the Governor’s Desk for Signature

Bill provides clarity regarding Michigan’s Transfer Tax

Legislation providing clarity regarding Michigan’s Transfer Tax was concurred in the state House this afternoon, and is on its way to the Governor’s desk for signature. House Bill 4173, sponsored by Realtor®-member and Representative Dave Maturen (R-Brady Twp.) will revise the Michigan Real Estate Transfer Tax to clarify two items:

1. The party that paid the transfer tax may request the refund if a refund is due, and

Clarify that Exemption “U” applies when the SEV at the time of sale is less than or equal to the original SEV.

The Michigan Supreme Court recently broadened the application of Exemption “U” by removing the requirement that True Cash Value be realized in a transfer. House Bill 4173 reflects this change, offering important clarity and tax relief to distressed sellers. In addition, this bill gives buyers the same refund rights as sellers when it is determined that the transfer tax was paid unnecessarily.

We applaud Representative Maturen, along with the members of the House and the Senate for recognizing the importance of this legislation for home buyers and sellers in Michigan, and we appreciate their willingness to move it forward in a bipartisan manner for passage into law. We look forward to the Governor’s signature and will let all of you know when it formally becomes law.

December 2015 – President Gene Szpeinski gives updates on 2016 Achieve, Leadership Academy, RPAC participation goals and more.

Watch on Vimeo

Watch on YouTube

Your 2016 DABOR GATEWAY membership dues invoices are ready to be paid. All dues payments are due in full no later than January 1, 2016.

Go to www.dabor.com and click on the "Pay Dues" button on the left corner, enter your primary email address and follow instructions. If you have not paid online before you may need to register and create a PASSWORD. DO NOT CREATE A NEW ACCOUNT.

Click Here If you do not wish to pay your dues online.

On JANUARY 2, 2016 all unpaid memberships will be suspended. No exceptions. There will be a $10.00 reinstatement fee after January 1, 2016.

Dearborn Area Board of REALTORS 2016 GATEWAY DUES

Thank you to everyone that helped with

the Food Drive and donating toys to the

boys and girls club of America!

Wishing you all a very Merry Christmas

and Happy Holidays to you and yours!!

Thank you to everyone that helped with

the Food Drive and donating toys to the

boys and girls club of America!

Wishing you all a very Merry Christmas

and Happy Holidays to you and yours!!

WELCOME NEW DABOR MEMBERS!!!

ISSAM ABBAS

HUSSEIN ABDULSALAM

MARIA CABALLERO

HIBA CHATILA

ALI FAWAZ

JEFFREY FAYZ

BRUCE GILBERT

NOFILA HAIDAR

ALI KARKABA

RENEE MEYER

KELLE ANN RODRIGUES

IBRAHIM TALEB

Tip #27

Lock up client keys

Be sure to use the lockbox property-key procedure that has been established to improve real estate agent safety. A reliable, secure lockbox system such as those made by NAR REALTOR Benefits® Part-ner SentriLock ensures that keys don’t fall into the wrong hands.

Tip #28

Shop online safely

When shopping online, check out a website before entering your credit card number or other personal in-

formation. Enter this information only on secure web pages with addresses that start with "https" and have

a closed padlock symbol at the bottom of the browser window. These are signs that your information will

be encrypted or scrambled, protecting it from hackers.

*Safety First*

Realcomp has been made aware of a concerning situation involving an area agent. A fairly new pro-spect of hers, who sounded extremely legitimate, has been identified by the Washtenaw Sheriff's De-partment to be using an alias.

This agent became concerned about the legitimacy of her new prospect when she happened to catch him (quite unexpectedly) in a lie. Additional oddities in their communications caused the agent to feel uneasy and ultimately, to contact the police.

No one knows for sure why this person decided to pose as someone else. However, it is a very good reminder for all agents to follow your company's safety procedures regarding meeting new clients. This agent says... "It is a good reminder to everyone that asking for identification prior to meeting a client alone is always a good idea, even if you're meeting them after hours at your office."

DABOR Tuesday Listing Tour...New for MEMBERS

Add your listing to the DABOR Tuesday Tour

Notify the DABOR office each Monday by 12 noon and your listing will be featured on the Tuesday Tour. DABOR will send out a Tour list to members on Monday afternoons. Every listing on the tour will be held OPEN by the listing agent for REALTORS from 11a-12p the following day. For REALTORs only.

DABOR Tuesday Listing Tour...New for MEMBERS

Send your listing information to laura@dabor.com

I just wanted to take a minute and thank Ms. Laura Green for

all of her time, hard work and dedication that she puts into

DABOR. She hardly ever takes a day off, never uses her

vacation time, stays after hours and is constantly working on

ways to improve DABOR. She is not only a wonderful boss but

a friend that I admire, respect and appreciate! Thank you

Laura for everything you do for the Dearborn area board of

Realtors!

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

Come on by and check

out our supply store!

Click here for the DABOR ADVANTAGE PLAN APPLICATION

Legal Hotline

QUESTION: I am a licensed salesperson selling my own home to a friend who is not working through an agent. Should I act as a dual agent or transaction coordinator in this transaction? ANSWER: You cannot act as either a dual agent or a transaction coordi-nator in this transaction. Either role requires you to serve as a "neutral" which you cannot do if you are one of the parties to the transaction. In other words, it would be impossible under these circumstances for you to represent both parties equally. You will need to act as a seller's agent and the buyer will be a customer without a principal/agency relationship.

Article 16

Realtors® shall not engage in any practice or take any action inconsistent with ex-clusive representation or exclusive brokerage relationship agreements that other Realtors® have with clients. (Amended 1/04) • Standard of Practice 16-1 Article 16 is not intended to prohibit aggressive or innovative business practices which are otherwise ethical and does not prohibit disagreements with other Realtors® involving commission, fees, compensation or other forms of payment or expenses. (Adopted 1/93, Amended 1/95)

Code of Ethics

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

See you next

year!

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 Credit Union (313) 322-8239-

Peggy Richard

Dearborn Federal Savings Bank (313) 565-3100

- William White

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

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

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

Noblit

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

Wells Fargo Home Mortgage (515) 213-6500 - Vince

Corbin

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

January 2016

Sun Mon Tue Wed Thu Fri Sat

1 Happy New

Year!!!

2

3 4 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

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