PROFESSIONAL MARKETING CUSTOMIZED FOR YOUR HOME Established, regional presence throughout West MIchigan Over 40 years of innovation, service and leadership Proactive approach to marketing and promoting your home Proven results with a growing client base and expanding network Integrated Family of Services to fully address our clients’ needs
Ellen Jarl REALTOR® (269) 744-2545 ejarl@jaquarealtors.com 414 W Milham Avenue Portage, MI 49024
Selling your home is one of the largest financial transactions you will experience. The selection of a real estate company and an agent is crucial to your success. Factors you should consider include: • The company’s business philosophy and history of success • Your agent’s knowledge and professional skills • The company’s marketing strategies for attracting buyers for your home • The customized professional services provided by your agent
Jaqua Realtors, Inc. is a full service residential and commercial real estate company providing services to both buyers and sellers. Jaqua is the largest independent, family owned real estate brokerage in Southwest Michigan. Established in 1975, Jaqua Realtors has evolved into the fastest growing real estate company in the region. As a progressive and expanding firm, Jaqua provides the services of over 210 real estate professionals to assist you. Since inception, Jaqua has never wavered from our commitment to service. The principles of integrity, professionalism and quality service has successfully guided the Jaqua firm in building an outstanding reputation within the community. Our concerted effort to uphold this reputation means exceptional service for you.
LOCATIONS
221 S Drake Road Kalamazoo, MI 49009 269.341.4300 Open until 9pm daily 414 W Milham Avenue Portage, MI 49024 269.381.7653 Open until 9pm daily
15150 Helmer Road Battle Creek, MI 49015 269.704.1000
12374 E D Avenue, Richland, MI 49083 269.629.5612
328 W Milham Avenue Portage, MI 49024 269.216.4222
4233 Red Arrow Stevensville, MI 49127 269.983.8051
513 Broadway Street South Haven, MI 49090 269.637.6537
302 S. Main Street Plainwell, MI 49080 269.685.6858
202 44th Street SW Grand Rapids, MI 49548 616.369.1991
MANAGEMENT TEAM Jaqua’s executive management team leads the industry in experience and diverse professional background. We invest in development, coaching, and personalizing the strategic planning of each agent’s career development. Our management team’s experience in marketing and promotions, real estate law and sales provide our agents and clients the support needed to successfully complete a real estate transaction.
Leadership roles in local organizations are evidence of our roots and commitment to our community, including: • The Chamber of Commerce • Area Rotary Clubs & Service Clubs • Real Estate Associations • Governmental Commissions • Habitat for Humanity
Marketing Specialists Your Jaqua agent has the resources of talented marketing specialists to support them with the onsite production of sophisticated marketing materials and website positioning. This requires a combination of creative ideas, technical expertise, advanced presentation software and cutting-edge equipment.
• Health Care Industry Boards • Business Network International
Southwest Michigan Title Agency For title and closing services, we selected Chicago Title as our partner in establishing Southwest Michigan Title Agency. This affiliation assures our clients that this critical aspect of the closing process is in expert hands. We accommodate your specific requirements for the preparation of documents, resolution of questions or concerns and the facilitation of your closing.
SOUTHWEST OFFERS A COMPLETE LINE OF TITLE SERVICES. WE WILL: Provide a complete, detailed insurance commitment in a timely manner Review the title history and advise on the best approaches to satisfy all requirements listed on the commitment Communicate with the lender in order to fulfill their requirements Generate accurate and detailed closing statements Enlist professional legal expertise in the preparation of documents required to transfer ownership of the property Record and file proper documentation to finalize the sale Provide an insurance policy protecting against future title claims
AFFILIATE SERVICES Mortgage Services Jaqua has partnered with Summit Home Mortgage to provide our clients with convenient, trustworthy and knowledgeable financial advisors. Summit offers a full line of mortgage products provided by experienced, highly skilled home mortgage consultants who are located directly in our offices. When Summit is the lender, you and your agent can be confident every aspect of the financing process is receiving expert attention.
APPLY FOR YOUR HOME LOAN ONLINE jaquarealtors.com/summit-mortgage/home
INSURANCE SERVICES We have chosen to partner with the well established Nulty Insurance Company, a family owned independent insurance agency, to form Arcadia Insurance Services. Arcadia Insurance Services’ products include home, auto, rental properties, personal items of value, boats, recreational vehicles, life insurance, as well as personal umbrella liability policies. As an independent insurance company, Arcadia provides our customers with the best coverage from competitive companies at the lowest rates. Arcadia provides an outstanding level of customer service. They take the time to listen to your needs and educate you about the different insurance options and discounts available. Arcadia provides clients with accurate coverage to meet their insurance needs.
BENEFITS OF WORKING WITH ARCADIA INCLUDE: More competitive quote process Dedicated account manager to serve policyholders Group and multiple policy discounts Home safety and safe driver discounts Insurance score discounts Claims specialist to insure claim needs are met Arcadia offers coverage through multiple companies to remain competitive and offer the best rates
Johanna Spletzer
Professional Staging Distinguished Homes in a full service home staging and design company located in Southwest Michigan. Our goal is to provide the clients of Jaqua Realtors a positive experience in readying their home for the real estate market. In many instances we are also helping these same clients after the sale, assisting in the selection of paint, flooring, cabinetry, furnishings and overall design of their new home.
Design Consultant 269-743-4007 johannaspletzer@ mydistinguishedhome.com
Rochelle Leone Interior Designer 810-588-2852 rleone@ mydistinguishedhome.com
DISTINGUISHED HOMES OFFERS: A thorough walk-through consultation Advice to prepare your home for the real estate market Assistance in completing your staging goals Furniture and accessory rental A range of design services for living in your new home
COMMUNITY INVOLVEMENT Jaqua Cares is a volunteer based program which is supported by the REALTORS®, management, and staff members of Jaqua Realtors. Jaqua Cares seeks out local activities and events that we can volunteer our time toward, seeking to make a positive impact in our community. A few of the events we participate in include: • Ministry with Community • Meals on Wheels • Southwest Michigan Backpack Drive • United Way Raking Leaves • Salvation Army Angel Tree As a local company who strongly believes in community support, our organization has been involved in numerous events throughout the years. We understand that our success comes from the communities that know and trust us, and we remain dedicated in giving back to these communities. A few of the events we participate in include: • Holiday parades in Kalamazoo, Battle Creek and Plainwell • South Haven Ice Breakers • Plainwell Days and Scarecrow Stroll • Reindog Holiday Parade • Western Michigan University CommUniverCity Night
CORPORATE PROMOTIONS HOME EXPO Since 1985, participation in the Home Expo has continually proven to be valuable for attracting home buyers. Sponsored by the Home Builders Association of Greater Kalamazoo, the Home Expo has drawn nearly 14,000 attendees annually. Jaqua Realtors showcases real estate information and establishes contacts with potential buyers for Jaqua listings.
NEIGHBORHOOD DIRECTORIES Published since 1978, Jaqua Realtors’ exclusive neighborhood directories have been an excellent tool for building name recognition within the community. These publications are a compilation of homeowner information and phone numbers for neighborhood residents. These have proven to be a tremendous resource for referrals of potential homebuyers.
ONLINE BUSINESS DEVELOPMENT Our online presence continually incorporates the use of new technology and networking efforts. With a company page on sites such as Facebook, LinkedIn, Twitter, Instagram, Pintrest, YouTube and our use of online email campaigns through JNet, Jaqua Realtors has the ability to share current information and upcoming events through our monthly calendar on a global scale. This online presence also allows for those interested in real estate to establish a valuable connection with our agents.
RENTAL SERVICES VACATION RENTALS The Lake Michigan shoreline is a main destination spot for tourists, attracting thousands of visitors every year. Our Lake Michigan Shoreline office has a dedicated rental division specializing in a wide range of vacation rental properties, from upscale homes to charming cottages to beachfront condominiums. These vacation experiences offer an opportunity for our renters to become permanent residents or investors within the area.
The Jaqua Rental Division strengthens our alliances with major corporations who transfer employees into the area on a regular basis. These corporations recognize us as the only full-service real estate company. Their partnership with Jaqua is an integral part of selling homes.
RENTING A HOME Many relocating employees choose to rent for a short time before buying. Our rental Division allows us to establish relationships with future homebuyers. Once we coordinate a property rental, our rental consultants continue to communicate with the family. When ready to buy a home, these families rely on Jaqua Realtors for the same excellent service received during the rental process.
PROPERTY MANAGEMENT Jaqua Realtors offers customized property management within the Southwest Michigan community utilized by landlords from across the United States. Our property management services can minimize risks, reduce inconveniences and eliminate the hassles of everyday maintenance while giving you peace of mind.
RELOCATION DIVISION The Jaqua Relocation Division has assembled a team of experienced professionals offering excellence in relocation services. Our Relocation Division specializes in facilitating national third party relocation transactions, developing and maintaining relationships with area corporations, and providing specialized services to relocating families. Jaqua Realtors is a member of the national network of independent brokers, Leading Real Estate Companies of the World, which allows us to further develop relocation business connections. Jaqua agents work closely with our relocation division staff to provide superior relocation services including community tours, area information and real estate counseling. These combined efforts have resulted in Jaqua Realtors being recognized as West Michigan’s leading relocation company.
Kristen Clancy Relocation Director, CRP
Ashley Schneider Relocation Specialist
Julie Henderson Relocation Specialist
328 W Milham Road Portage, MI 49024 (269) 226-2994
LOCAL EXPERTISE GLOBAL REACH The Jaqua firm is an active member of the Leading RE, a referral network of over 130,000 associates and nearly 565 companies worldwide with over 4,300 offices. The Network firms facilitate more real estate transactions than any other national franchise. As the exclusive Leading RE Network member in the region, Jaqua receives buyer referrals from member firms all over the country. The leading national third party relocation companies rely on Jaqua Realtors for relocation services, valuing the company’s knowledge and expertise as Southwest Michigan’s leader in the real estate industry. JAQUA REALTORS RELOCATION PARTNERS WITH ALL CORPORATE RELOCATION MANAGEMENT COMPANIES Aires Relocation • Altair Global Relocation • BGRS Cap Relocation • Cartus Relocation • Cornerstone Relocation Graebel Relocation • Lexicon Relocation • XONEX Relocation Relocation America International • NEI Global Relocation NuCompass Mobility Services • One Source Relocation Paragon Relocation Resources, Inc. • Plus Relocation RELO Direct • Signature Relocation • SIRVA Relocation TheMIGroup • TRC Global Solutions Weichert Workforce Mobility, Inc. • WHR Group
( Leading RE )
RELOCATION GUIDE Jaqua Realtors’ Relocation Guide has received nationwide recognition among relocation companies for providing comprehensive community information. The guide is informative, extensive and current, providing details regarding: • Area School Systems • Healthcare • Home Financing Our “Relocation Guide” is requested by human resources personnel, sales managers and corporate officers for prospective employees and newcomers to the community. In production since 1982, over 1,200 guides are currently distributed annually. The relocation guide has significantly increased the number of relocating homebuyers for our listed properties based on the in-depth information and materials provider by local establishments.
• Tax Considerations • Cultural Aspects of the Community • Recreational Opportunities • Map/Guide • Official Visitors Guide
Jaqua’s comprehensive Community Tour is designed to introduce homebuyers to our diverse community. Each Tour is customized to the needs and special interests of the relocating employee and their family. Our Community Tours attract future homebuyers and residents to the area.
TYPICAL COMMUNITY TOUR HIGHLIGHTS INCLUDE: • Detailed information about school choices including visits to schools • Cultural offerings such as theatre, museums, art and music • Indoor, outdoor, adult and youth recreational activities
COMMUNITY TOUR BOOK
• Economic development details • Extensive housing options and neighborhood styles
“When other companies are unavailable, our extended hours enable potential buyers to speak with a REALTORwith REALTOR® regarding their real estate needs at the moment of peak interest.”
AGENT AVAILABILITY Our extensive advertising and promotional efforts result in a high volume of inquiries for information on Jaqua listings. A licensed REALTOR® is available until 9 p.m. seven days a week at our Kalamazoo and Portage locations to provide real estate information and services. We understand that many people look for homes on the weekend and evenings. When other companies are unavailable, our extended hours enable potential buyers to speak with a Jaqua agent regarding their real estate needs at the moment of peak interest.
INTERNET STRATEGY According to a recent survey from the National Association of Realtors, use of the internet to search for homes has increased in the past 10 years. More importantly, the shift of internet home searches from occasionally to frequently has made a substantial climb. A reported 93% of homebuyers use the internet to search for homes. Among these buyers, 84% reported using the internet “frequently.” Jaqua Realtors responds to this consumer behavior by providing a strategic internet positioning campaign. Your property is prominently marketed to those utilizing the internet in their home search. BUYER USE OF INTERNET IN HOME SEARCH PROCESS, 1995–2020 National Association of Realtors 2020 Home Buyers Internet Profile
A greater number of buyers are turning to the internet on a more recurring basis to review area homes for sale.
INTERNET STRATEGY WWW.JAQUAREALTORS.COM Jaquarealtors.com is a comprehensive, leadingedge marketing tool for our sellers. With over 50,000 user sessions a month, we generate a high level of exposure for your home. The Jaqua site includes several innovative features buyers are attracted to during their property search: • Interactive map search includes Satellite view, street view and Yelp integration. Search by school district, community, zip code or custom-drawn map • Comprehensive Community information section • Detailed market reports for communities throughout Southwest Michigan • Vibrant listing result pages
INTERACTIVE MAP SEARCH The interactive map search allows clients to quickly and easily find their dream home. Linked with GoogleMaps™, the map search provides interactive home searching by school, city, zip code or custom drawn map. Buyers can plot local schools, get driving directions, view the street and satellite view. Our Yelp integration allows a buyer to plot your home’s proximity to local attractions, business, schools and more.
LISTING DISPLAY Our enhanced listing display pages have been designed to feature your home and its features in an easy to read and eye catching format. Buyers will be able to view property details and scroll through a filmstrip of your home’s professional photos. Explore an interactive map of your home with Yelp integration, plot schools and view your home from the street and satellite.
INTERNET STRATEGY
Users also have the ability to request a showing, email your listing, calculate mortgage payments and request more information. Buyers can view market data about the local area and click through to view comprehensive community information including attractions, recreation, healthcare, events and more.
INTERNET STRATEGY COMMUNITY INFORMATION The detailed community pages allow buyers to learn about each community and aid in helping them find their perfect home. The informationrich pages feature information about the local community including attractions, recreation, school information, healthcare, events and more. Your property will be featured on the corresponding community page allowing buyers to easily find your property without having to leave the page. The community pages also feature market trends including average sales price, number of homes for sale, number of new homes on the market and average days on the market.
MARKET REPORTS The interactive market reports provide market data overview for a 12 month, 9 month, 6 month or 3 month time-frame. We have provided detailed market reports for the communities we serve throughout Southwest Michigan. Market reports include: • Trends and data on average home price, average days on market, average price per square foot, number of new homes and more. • Buyers can subscribe to the market reports for areas they are interested in and an email will be delivered weekly, quarterly or yearly.
INTERNET STRATEGY Jaqua’s online presence is further complemented by multiple regional and global sites. These sites allow potential homebuyers to view current listings, complete with property information and pictures. According to a recent survey from the National Association of Realtors, 95% of homebuyers use the internet to search for homes. The Multiple Listing Service through the Southwestern Michigan Regional Information Center, allows us to make your property information available to over 5,700 REALTORS® in 32 counties in West Michigan. Visitors are able to search all active area listings and view statistics. Along with this widespread visibility, we believe accuracy is critical. We enter updates immediately so all prospective buyers have the most accurate information available. The system also notifies all agents who may have clients interested in your home and informs them of any changes.
REALTOR® PLATFORM WEBSITES LISTINGS WILL BE FEATURED ON: • Battle Creek Association of REALTORS®
• Montcalm County Association of REALTORS®
• Branch County Association of REALTORS®
• St. Joseph County Association of REALTORS®
• Greater Regional Alliance of REALTORS®
• Southwestern Michigan Association of REALTORS®
• Greater Kalamazoo Association of REALTORS®
• West Central Michigan Association of REALTORS®
• Hillsdale County Association of REALTORS®
• West Michigan Lakeshore Association of REALTORS®
• Mason Oceana Manistee Association of REALTORS®
INTERNET STRATEGY Realtor.com is the equivalent of a national Multiple Listing Service. Realtors® across the country promote the use of this site. Zillow.com allows users to search millions of for-sale and rental listings, compare Zestimate® home values and connect with local professionals. Trulia.com provides comprehensive school and neighborhood information on homes for sale. Msn.com a nationally recognized site, is typically Msn.com, visited by the everyday Internet user. MSN.com real estate search is powered by Zillow.com. MLive.com is Michigan’s most popular news and information site, with as many as 1.1 million unique visitors per month. MLive.com is updated 24 hours a day, with local news, sports, weather and more.
MARKETING MATERIALS, DIRECT MAIL & E-MAIL CAMPAIGNS
Ellen Jarl, REALTOR® 221 S Drake Road Kalamazoo, MI 49009
A REAL ESTATE REVIEW FOR THE
MILWOOD NEIGHBORHOOD
DID YOU KNOW . . . a down payment for first time homebuyers can be as little as 3% down and 5% for previous homeowners? Conventional loans are not part of specific government programs and have variable down payment requirements, ranging from 3-20% of the home’s purchase price? Your requirement will depend on things such as: • Your credit history and score • The type of home you’re buying • The price of the home/total mortgage loan amount The idea of saving only 5% for a down payment, versus 20%, is exciting to most buyers. After all, on a $250,000 home that’s the difference between a $12,500 down payment and a hefty $50,000 one. Whether you are buying your first or your fifth home, I can help you find the mortgage to best fit you’re your needs. I will ensure that your loan process will be smooth from start to finish. © 2019 Summit Home Mortgage, LLC. All Rights Reserved. This communication does not constitute a commitment to lend or the guarantee of a specified interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. Summit Home Mortgage, LLC, 414 W. Milham Avenue, Portage, MI 49024. Corp NMLS#: 1087642 (www.nmlsconsumeraccess.org).
OPEN
house
Sunday September, 22 from 12:30 till 2:30
The Jaqua direct mail marketing strategy uses multiple approaches to reach a large number of potential homebuyers. Our targeted marketing campaigns incorporate Open House invitations, property highlights and Just Listed postcards, enable us to share detailed information regarding your home and piques the interest of likely buyers. Custom marketing materials will be prepared for your property by our in-house professional graphic designers. A professional full color property brochure showcasing your home will be developed and utilized for all showings and open houses. In addition, targeted email and/or drip email campaigns are utilized on Jaqua Realtors’ platform. Email campaigns allow us to send customized emails about your property to large data bases. Agents are able to view the delivery, open and click rate for each email campaign.
ADWERX INTEGRATION Adwerx is a custom digital advertisement that targets homebuyers surrounding your property on Facebook and Instagram, as well as major websites including The Wall Street Journal, ESPN.com and many more. Your property will be in front of potential home buyers wherever they go online. These are behaviorally targeted ads to potential buyers in the market looking at listings, using mortgage calculators, searching for moving companies and more.
SOCIAL MEDIA MARKETING As the use of social media platforms increases, we have placed an emphasis on social media marketing which has resulted in increased awareness for Jaqua Realtors and our listings. We utilize our social media presence to drive traffic back to jaquarealtors.com. We most recently launched a blog that provides relevant real estate updates and helpful information to our readers.
SOCIAL MEDIA USAGE According to The Pew Research Center 65% of American adults are using social media.
Facebook continues to be the most widely used social media platform, with 79% of American internet users, according to Blue Corona.
The average social media user spends two hours on social media sites each day, according to Blue Corona.
TECHNOLOGY & TRANSACTIONS
Our Dotloop platform provides our agents an online resource to help streamline the entire real estate experience. This intuitive and powerful real estate technology is designed to allow our agents easy access to your transaction documents. Your agent will be able to quickly edit listing and purchasing documents and share the documents with you anytime and anywhere. You can e-sign on the documents without stepping foot into the office.
PROFESSIONAL PHOTOGRAPHY A professional photography session will be scheduled for your property. The high-end, quality photos produced by our photography department will professionally showcase your home’s amenities, creating added interest from potential buyers. The pictures of your home will be utilized throughout all marketing endeavors including online images and printed materials. Pictures taken with a photographic eye will help your home’s features to be captured at the best possible angle to attract potential buyers to your home.
According to a survey posted in the The Wall Street Journal, “listings with better photos command higher asking prices” and “listings with nicer photos get more online attention.”
OPEN HOUSES We present our Open House advertisements in a variety of area publications. Our excellent results are attributed to a well organized and coordinated marketing plan. In addition to touring your home, potential buyers are offered information regarding your property, financing options, area highlights and school information. Refreshments are provided, with your consent, to prolong a guest’s visit and to create a relaxed setting. The goal of the Open House is to encourage interested buyers to visit, facilitate interaction with the agent and create an inviting atmosphere to showcase your home.
PREPARING YOUR HOME: EXTERIOR You want to create a positive first impression of your home. Pay close attention to the area around the front door. Consider a new door mat, sprucing up the hand railings, add flowers or hang a decorative mirror in the entryway so buyers see themselves in your home the moment they enter. Make sure to do the following: • The yard is well manicured • Trees and bushes are trimmed, remove low branches • that block the view of your home • Add a pop of color with a wreath or pot of flowers • Yard and flower beds are weed free • Keep walkways and driveway clear of ice, snow and leaves • Wash and touch up paint or repaint wood/trim/siding/doors • Make sure all window coverings are consistent • Cars are parked in the garage with the door down • Put away trash bins, bikes, tools and yard equipment • Create a patio space for entertaining and clean patio furniture
PREPARING YOUR HOME: INTERIOR
Your home should be thoroughly clean. In addition, remove unnecessary items from your home. This may be a great time for a garage sale, donating items to charity or placing items in storage. The less clutter you have in your home, the more spacious it will appear. Consider doing the following: • Remove all clutter, items from countertops and excess furniture • Clean, Clean, Clean (windows, floors, carpet) • De-personalize your home • Remove all evidence of pets • Organize your pantry and laundry room • Clean out your closets • Fix anything that implies required maintenance • Replace wallpaper and/or paint the walls in a neutral color palette • Clean and polish kitchen and bathroom cabinets • If spaces feel dated replace cabinet hardware, add interest with a kitchen backsplash and replace faucets, if needed
PREPARING YOUR HOME FOR SHOWINGS
Seemingly simple changes can sometimes make a world of difference including: • Rearrange furniture to create open space • Add tasteful accents • Clear off desks, counters and workspaces • Make the beds and run the vacuum • Stash toys and clear items from floors • Turn on all of the lights even for day time showings • Take any pets with you and put away evidence of any pets • Neutralize any strong odors • Play soft background music
PRICING YOUR HOME TIMING - HOW SOON WOULD YOU LIKE TO SELL? • Current market trends • Estimating buyer activity in certain price ranges • The condition of your home • Your financial goals • Seasonal fluctuations in the market
Determining Your Home’s Value Your Jaqua agent provides a complimentary Comparative Market Analysis (CMA) to assist you in understanding the value of your home. The CMA consists of: • An on-site analysis of home • A review of records from the local municipality • Research and review of recent sales of similar homes • An evaluation of competing homes currently on the market • A detailed written report for your review • Your agent’s expertise in the market will allow you to have a more comprehensive and complete analysis of your home’s value in today’s market.
PRICING STRATEGY Your home must be priced strategically in order to sell for list price but also in a reasonable amount of time. Your home should be priced to appeal to the greatest number of potential buyers. Think of the real estate market as a triangle with the height representing the price and width representing the number of buyers for your home. At the lowest price, the price appeals to the greatest number of buyers. At the top your home is priced to get top dollar which may only appeal to one in every 100 buyers.
ONE PERSON WOULD PURCHASE
Remember, each step up the price ladder eliminates some buyers. Ultimately the question is,
HOW SOON WOULD YOU LIKE TO SELL? EVERYONE WOULD PURCHASE
THE JAQUA DIFFERENCE Jaqua Realtors has developed a comprehensive and aggressive marketing plan that is unmatched in the industry. Our company philosophy has resulted in a strong reputation and community identity. Our corporate marketing and promotions have perpetuated our growth and record of success.
Our position as Southwest Michigan’s leading relocation company has expanded our corporate business and real estate markets. Our marketing – specifically designed for your home – reaches the broadest audience.
DISCOVER THE DIFFERENCE We appreciate the opportunity to present our extensive program. For 45 years, Jaqua Realtors has delivered outstanding results for homeowners throughout the region. We look forward to developing your personalized marketing plan and showing you “The Jaqua Difference.”
Ellen Jarl, REALTOR® (269) 744-2545 ejarl@jaquarealtors.com 414 W Milham Avenue Portage, MI 49024