Calling all Gen X and Y'ers

The Flint Area Association of Realtors is trying to discover what the Gen X and Y'ers want and need out of an assocation.

Please tell me, what do expect of an association?

What educational tools do you want?

How do you want to learn? In class, online, webinar?

How would you like to keep up on legal changes?

Do you read the front of an MLS screen?

Do you read the newsletters?

What information would you like text to you?

What activities can an association provide, that you would attend?

How can an asociation get you involved in task forces and interested in leadership roles?

Any more information you can provide, please do!!

Thank you!!

Flint Area Association of Realtors makes history

Congratulation to the Flint Area Association of Realtors® elected officers, 1 st time all women. Oh, did I mention all Flint Chapter Women's Council of Realtors® members...

2008 President	Gail Freeman Century 21 Halstead
2008 President Elect	Angie Ridley Complete Realty, LLC
2008 MLS Chairperson	Debbie Upleger Re/Max Town and Country
2008 Secretary / Treasurer	Jane Landaal Piper Realty

The officers were elected at the Flint Area Association Leadership Retreat, Oct 23-24th, 2007. Gail was elected last year for the President Elect 2007 position, then moved up to the 2008 President position.

Peter Banwell gave me, Angie Ridley, a run for the election of 2008 President Elect position. Peter and I tied twice. The current 2007 President Dave Taljonik decide since the candidates ties 2 times, we would have to draw straws. Peter let me draw. I had to draw the longest straw and I did.

Debbie and Jane's positions were uncontested.

The retreat was awesome, just sit back and watch our assocation continue to grow!!

MSHDA helps with Michigan Loan

MSHDA, Michigan State Housing Development Authority, is on the way to the rescue Michigan homeowners facing the difficult times of delinequent payments, foreclosures and arms due.

New refinance programs will include: ARM Assist Refinance - The purpose of this new program is to assist individuals who currently have an adjustable rate mortgage and would like to obtain a fixed rate loan in order to create housing expense certainty.

and

Missed Payment Refinance - The purpose of this new program is to assist individuals who currently have a delinquency on their mortgage and for whom a loss mitigation strategy aimed at reinstating their existing mortgage is not plausible.

http://www.michigan.gov/mshda

for lending questions:

Patty Kelso, CountryWide Home Loans, 810 241 7686

Can you imagine...

I am imagining a loan servicing company and backing investor saying to the homeowners:

"I know your ARM is getting ready to adjust. We understand we probably shouldn't have done this loan to begin with or we understand the economy is tough let's make a difference. We won't adjust your ARM. We will keep the rate locked at the current percent as long as you make the payments. We are in this together, lets get out of this together."

If one company did this, would others follow. What would the market do? How many people would be grateful and use that company again. How many real estate agents would refer business to that company?

Just thinking, wishing and dreaming....

At a recent Flint Chapter Women's Council of Realtors meeting, modular and manufactured homes were discussed.

Modular and Manufactured Homes are built in a factory. The factory is climate controlled. Great building conditions and assembled on the property.

Modular homes are appraised same as a stick built. It is possible for a 2nd homeowner, Realtor® Appraiser and Home Inspector not to be able to identify the home is a modular home. When the modular home is put on the foundation, it's the same as a stick built home. Modular homes are made to BOCA code, conforms to city and township building codes. The modular home is financed the same as stick built home.

Manufactured homes depreciate very quickly. A manufactured home contains tags on each outer section and in the inside. The tag on the inside of manufactured homes can be placed in the cupboards, on the furnace room door, the electrical panel and many other places. The tag contains the serial number, make, model, vin and year built. The tag information is needed for financing. The manufactured home is titled as a car with the secretary of state.

If the tags are removed, a surety bond must be purchased and the proper paper work filed to clear the title.

For most types of financing, the manufactured must have an engineered inspection. This inspection assures the lender the wheels are gone and the home affixed to the property and cannot be moved.

The next step for a manufactured home is the affidavit of affixture. This document removes the title forever. The manufactured home becomes part of the real estate. Most title companies will take care of this paper work.

Thank you to Ben Guzak of Allied Appraisers in Flint Michigan and the Citizens Bank crew!!

www.CompleteRealtyLLC.com your Real Estate Resource Center.....

I would like to congratulate the new Flint Chapter Women's Council of Realtors® Governing Board.

	Hoffman, Stephanie L. Flint Chapter President 2008 Chapter: FLINT CHAPTER Allstate Properties Inc. 1365 N Belsay Road Burton, MI, 48509 Phone: 810-577-1750 Fax: 810-743-7462 Email: stephanieh@usol.com Website: http://www.stephaniehoffman.com/
Colden, Katie Flint Chapter President-Elect 2008 Chapter: FLINT CHAPTER Designations: ABR, e-PRO Keller Williams Realty - Grand Blanc 11413 S. Saginaw Street Grand Blanc, MI, 48439 USA Phone: (810) 449-0213 Fax: (810) 603-9916 Email: kcolden@kw.com Website: http://http/www.KatieDidItAgain.com
Ferguson, Dawn Flint Chapter VP of Membership 2008 Chapter: FLINT CHAPTER Keller Williams Realty 3295 W. Silver Lake Road Fenton, MI, 48430 USA Phone: 810-730-4096 Email: DawnFerguson@kw.com Website: http://http/www.thefergusonconnection.com
Kelso, Patty 2007 and 2008 Financial Treasurer Chapter: FLINT CHAPTER Countrywide Home Loans 8245 Holly Rd Suite 204 Grand Blanc, MI, 48439 Phone: 810-241-7686 Email: patty_kelso@countrywide.com For all your Home Loan needs.
Sabo, Wendy Flint Chapter Recording Secretary 2008 Chapter: FLINT CHAPTER Wendy Sabo & Associates, Inc. 8445 S. Saginaw, Suite 101 Grand Blanc, MI, 48439 Phone: 810-964-7330 Email: wendy@wendysabo.com Website: http://http/www.wendysabo.com
Kent, Lisa Flint Chapter Corresponding Secretary 2008
Chapter: FLINT CHAPTER
Icon Mortgage Lending
2442 E. Maple Ave.
Flint, MI, 48507
Phone: 810-744-1600
Fax: 810-744-1700
Email: lisa@lkent.com

Have fun with all that you do. Thank you for volunteering your time and service for education.

Advertising ideas for Women's Council of Realtors® local chapter meetings:

Have a marketing chairperson that loves what they do.

Use your local Realtor Association. Ask about the home page of the MLS screen and ask them to put ads in all their out going communications promoting your events and membership benefits. In return, list them as a sponsor. 2 way recognition.

The local newspaper. We have opened our meetings up to the public and all businesses. Our local newspaper, The Flint Journal- www.mlive.com , advertises our meetings and events in the local newspaper at "No Charge." The Flint Journal considers our events as a business and community service because of the education provided.

www.Evite.com , a great source of advertising, easy payment tracking and an electronic RSVP counter. It's free!!

Have a chapter monthly newsletter. Need a printer, contact Kinko's. They print a color newsletter in return for sponsorship recognition in our newsletter. We pay for postage, labeling and folding. Very cheap.

Blog your chapters events before they happen and after. You would be surprised at the amount of people that actually read blogs with out your knowledge.

Our next goal is local TV. PBS maybe. Has anyone had any experience with this?

Have an idea, please share..