Groups are smaller communities within the larger ActiveRain. Join groups created by others. or start your own and
get others to join
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.
Broken down by categories and subcategories for easy finds
Get an unfiltered look at what real users are saying
Leave a review yourself for others to benefit from
Add new products as you use them and gain points for doing so
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
Watch short tutorials on updating your photo, inserting a hyperlink and much more
Sign up for the Daily Drop so you don't miss out on AR's daily happenings
Find answers to most FAQ's
Whatever it is you're into and wherever you are, AR surely has a group for you to join.
Brand, off the wall, specific subject matters…whatever it is you're looking for.
Each time you write a post you can syndicate your post to 5 groups.
And if by chance you don't find what you're looking for, start a new group today!
Get your content in front of more eyes
Search by location or type
Feel free to start your own group
Find some that are close to home and close to heart
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
Financing a home could be the biggest investment you will ever make! Take your time and do your homework! Remember, this is your investment, your financing, your home. A Mortgage Loan Officer (MLO) should work for YOU; not the other way around!
Be cautious when you see claims of "lowest rates", "rock bottom pricing", or "we beat any rate out there".
Mortgage interest rates are based primarily Mortgage Backed Securities (MBS).Short version - MBS are fixed-income investments that generate interest revenue through pools of home loan mortgages. Mortgage loans are grouped together and sold to Fannie Mae or Freddie Mac, who in turn securitize the loans. They are used as collateral for the bonds they issue. Investors buy and sell these bonds.
Generally speaking, if bonds sell low, mortgage interest rates rise. If bonds sell high, mortgage interest rates fall. There is a little more involved when it comes to interest rates, but that may be left for another day.
Mortgage interest rates can change several times each day. Loan officers, banks and brokers do not set mortgage rates.
What am I really trying to say? Almost all lenders have access to the same pricing!
There are dozens of lenders to choose from. The mortgage market is very competitive. Although lenders may get their money from the same place, each lender may structure rates differently due to various factors such as overhead and profit expectations. So, each bank may offer slightly different rates and pricing even though they may have access to the same money other banks do.
A broker may have access to certain lenders with mortgage rates generally unavailable to the public (wholesale). If you choose a broker that can only do business with one or two lenders you have limited your options. Each mortgage broker is different and can do business with a different amount of lenders.
It really comes down to your Mortgage Loan Officer(MLO). Honesty, integrity, being upfront about your situation and disclosing everything while walking you through the process is very important!
Ask questions, do your homework. Take the time to ensure your MLO is up front, honest and has the ability to get you the right rate at the right price!
Please feel free to call me personally with any questions you have.
Rich Conley Mortgage Loan Officer Main 949.472.4228 Mobile 951.751.2105 Fax 951.268.9156 www.RichConley.com
If you would like additional information regarding mortgage services please visit my website or call me directly.
Wilmington NC Real Estate Agent serving Wilmington NC Real Estate, Wilmington NC Homes For Sale, Wrightsville Beach Real Estate, Wrightsville Beach Homes for sale, New Hanover County, Pender County, Brunswick County, Coastal NC Real Estate, Intracoastal Real Estate, Wilmington NC Beach Homes for sale, Wilmington NC Coastal Properties for sale.
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.