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.
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
Supreme Court Says Discount Points Don't Equal Lower Rate - 05/25/12 03:20 PM
Supreme Court Says Discount Points Don't Equal Lower Rate Wow, I don't want to get all giddy here, but this looks like some common sense! According to an article written by Brian Collins in National Mortgage News, the supreme court ruled in favor of Quicken loans regarding a suit where the borrowers say there was a RESPA violation. The borrowers felt if they paid a discount point they should have received a lower rate for it. The lender says they did; they say they did not. Who Cares? What I care about is by ruling in favor of the lender the Supreme (13 comments)
TEN COMMANDMENTS WHEN APPLYING FOR A MORTGAGE LOAN
I came across this in "Origination News" online this morning and since it said I could copy and share, I'm copying and sharing. I have a list I send out to those who apply for a mortgage loan with D A Griffin Financial, this one is a little more direct. It may be a good thing for the consumer, loan originators and real estate agents to share to avoid that OOPS!
1. Thou shall not change jobs or become self-employed. 2. Thou shall not buy a car, (4 comments)
WHO DO YOU TRUST MORTGAGE BROKER OR A BANK? - 05/16/12 02:17 PM
WHO DO YOU TRUST MORTGAGE BROKER OR A BANK? When a home buyer or home owner is looking for financing, who do they trust a mortgage broker or a bank? From time to time I read articles written by someone in the financial sector who thinks they know a thing or two. I came across an article from three years ago that appeared in the N Y Times and was rather derogatory about mortgage brokers, quoting a northern Ohio broker several times. What is fascinating is when I google the broker mentioned here, I can hardly find them, so that makes me wonder even more (2 comments)
I read today the CFPB is considering a "FLAT FEE" for loan origination compensation. This is after the April Fools Day change in 2011 that made it illegal to collect a fee from a consumer and from a lender on the same file, and made it mandatory that every borrower be charged the exact same percentage, no matter the loan product, size of loan or work involved. Prior to April 2011, most of us had an idea of how much we needed to make on a loan to make a profit. (2 comments)
HOW DO MORTGAGE BROKERS GET PAID? - 05/07/12 02:10 PM
HOW DO MORTGAGE BROKERS GET PAID? How I get paid comes up early on in a conversation with a home loan applicant. Mortgage brokers are paid by either a consumer or by a lender, but not by both. Prior to April 2010, mortgage brokers could get paid by a combination, but the loan officer compensation rule that went into effect on April Fools Day put an end to that. When a lender accepts a loan from a mortgage broker they pay "yield spread premium" or YSP. A mortgage broker is required to disclose to the borrower the gross amount of money (YSP) the firm (6 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.