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
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AR's community takes the time to leave honest and transparent reviews of their experiences
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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.
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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
The Official Down Payment Requirements - 02/22/10 11:17 AM
Here are the down payment requirements for the various types of loans: Conventional (non-government) loans: For most conventional loans, the minimum down payment requirement is 5% for primary residences, 10% for second homes, and 15% for investment properties. If the property is a primary residence, there are special loan programs that only require 3% down, but the interest rates are higher than regular conventional loans. IMPORTANT NOTE: The mortgage insurance (MI) companies have stricter guidelines than the lenders do. If the loan is for more than 80% of the sales price, the MI guidelines must be followed. Typically, the MI companies (0 comments)
Forget the Appraisal - You Don't Need One! - 02/16/10 05:09 PM
How about selling a house without an appraisal? Fannie Mae has a loan program called HomePath that does not require an appraisal. It's for their REO (foreclosed) properties. Here are some of the highlights of the loans: No appraisal required Only 3% down payment No mortgage insurance required At the moment, they are having a special deal that includes the following: The borrower can get up to 3.5% of the sales price towards new appliances. Fannie Mae buys them and delivers them to the house. The borrower can get an additional 6% to pay for closing costs and pre-paids. These deals (4 comments)
What's the Max DTI? 28%, 36%, 41%, 43%, 50%...??? - 02/05/10 06:16 PM
We get a lot of questions about debt-to-income ratios these days. Here are the underwriting guidelines for the various types of loans: Conventional (non-government) loans: If the loan is underwritten manually (by a person), the debt-to-income ratio (DTI) is 36%. If the borrower has strong compensation factors, the DTI can be as high as 45%. Compensating factors include such things as very high credit scores, large down payment, large amount of reserves (money in the bank), etc. If the loan is underwritten by the underwriting software that is available to some lenders, the DTI ratio is 45%, and it can go (40 comments)
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.