Groups are smaller communities within the larger ActiveRain. Join groups created by others. or start your own and
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This is the place to view the past and present contests put on by ActiveRain and its members. Everyone can join the
group and help encourage each other. Current contest will be highlighted posts so it's easy for you all to see. Let it
Curious as to what others in your profession think about a certain product or tool?
AR's community takes the time to leave honest and transparent reviews of their experiences
so you can be a bit wiser about your purchase.
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ActiveRain University (ARU) provides free on-line training. We coach, consult and support real estate professionals about real estate trends, technology and social media.
ARU Calendar provides class types and registration links
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Whatever it is you're into and wherever you are, AR surely has a group for you to join.
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Each time you write a post you can syndicate your post to 5 groups.
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Each month AR runs numerous contests as a way for our members to engage in activities
that will boost their business and increase their visibility in the community and beyond.
Earn points by partaking in these contest and climb the leaderboard
Do what's good for you and your business by participating
If you have an idea for a contest, just let us know
Stay motivated and on track with new contests popping up each month
Ask a Real Estate Question
Here's another avenue for you to build relationships with others. Share your expertise with someone searching for answers.
Play the teacher role and help someone out today
Your Homepage will alert you of new questions in your state
A wonderful way to open a door to a possible new client
Ask a question yourself to get help
These state pages or hyper-local pages provide content directly related to a specific geographical location.
State, County, City and Neighborhood pages make it easy for consumers to find what they're looking for.
Post your listings, school information, local events, market reports and more
Consumers peruse these pages for information
Farm your niche market and cover all the happenings in your neighborhood
Fannie Mae and Freddie Mac will offer a new, simplified loan modification program to help troubled borrowers avoid foreclosure and stay in their homes.
Beginning July 1, borrowers who are at least 90 days delinquent on a Fannie Mae- or Freddie Mac-guaranteed mortgage will be allowed to lower their monthly payments and modify their mortgage without having to fill out financial or hardship documentation.
Fannie Mae and Freddie Mac guarantee about half of U.S. home mortgages.
Most foreclosure avoidance programs, including the federal government’s Home Affordable Modification Program (HAMP), make you fill out financial forms documenting your income, expenses, and employment. Troubled borrowers say their lenders often lose that paperwork, while lenders often claim borrowers aren’t completing the paperwork.
The new Streamlined Modification Initiative program would also:
Lower your interest rate close to current rates.
Stretch out your mortgage to 40 years.
Those two changes will reduce the typical program participant’s monthly payment by about 30%.
If you owe more than your home is worth, you also won’t have to pay interest on as much as 30% of your outstanding mortgage amount.
Once you’re in the program, you’ll then have to make three on-time trial payments at the new rate. Do that and your mortgage will be permanently lowered under the new Streamlined Modification initiative.
If you opt for the program, you’ll be encouraged to document your income and financial hardship. That’s because the traditional foreclosure avoidance programs will likely net you a better deal.
The program, which expires Aug. 1, 2015, is open only to home owners with loans owned or guaranteed by Fannie Mae or Freddie Mac.
If you qualify for the program, your lender must offer it to you. If you think you qualify and aren’t automatically offered the program, you can call your lender to ask about the program after July 2013.
You must be at least 90 days delinquent, but no more than 24 months delinquent.
Your mortgage loan amount divided by the current value of the property must be greater than or equal to 80%.
Your mortgage loan has to be a first mortgage.
You can’t have been 60 days late on a prior loan modification payment, or have failed at two or more prior modification plans.
You must have gotten your loan more than a year ago
To see if your mortgage is backed by Fannie or Freddie, go HERE
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.