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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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Each month AR runs numerous contests as a way for our members to engage in activities
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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.
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FHA Loan Limits Change in NC 2/24/2009 - 02/26/09 08:36 AM
FHA increased the loan limits in 2008, and then lowered them January 1, 2009 and THEN raised them back UP on February 24, 2009! WOW! So, if you are considering a purchase in NC, you might want to check out the NEW FHA Loan Limit for the County you are interested in! Wake County/ Johnston County Limit $295,000 Durham County/Orange County Limit $334,650 New Hanover County/ Brunswick County / Pender County $303,750 Onslow County $306,250 Guilford County /Forsyth County $271,050 Mecklenburg County/Union County/ Cabarrus County $303,750 Iredell County $271,050 Buncombe County $303,750 FHA loans do not have a limit on the amount of income your (6 comments)
The Humor in Lending! - 02/23/09 11:05 AM
This is really funny! The bank's have simply been too compassionate! Ha! Via Ruthmarie Hicks (Keller Williams Realty): My last entry was about a great Frontline feature about the banking meltdown. It was a serious program, but worth the time and effort. This is just for fun. There is a great deal of truth in the commentary. Like much British humor, its hilariously understated and in many ways quite thoughtful. Yes, its fairly long for YouTube clip, but I think its worth the time. Isn't a smile and a laugh worth 8 minutes of your time? (0 comments)
Why Credit Scores are Getting Tighter in NC - 02/23/09 10:33 AM
Since the beginning of the year, subtle but significant changes made their way into the underwriting guidelines in NC, and credit score requirements have been changing! As we are all learning, each market seems to be somewhat "dis jointed" when it comes to home values, and jobs - therefore we've seen some underwriting guidelines "tailored" to a geographic area. Credit Score requirements are getting tighter, and this could be triggered by appraisal problems. There are "guidelines" and then there are the "Golden Rule" guidelines. FHA, VA and USDA do not make mortgage loans, they INSURE them (just like a PMI company) (2 comments)
This is a repost from last year.... Does your credit look like a train wreck? I've talked to several clients recently who hit a rough spot - and are working their way out. They had some questions I thought other people might need answered too! How long does negative information stay on a credit report? The Fair Credit Reporting Act says that negative information can stay on your report for a minimum of seven years (I always thought that said MAXIMUM - but I was wrong). There are some exceptions to this: * Delinquency information like late payments remain for seven years (3 comments)
FICO No Longer Available to Consumers - 02/05/09 02:37 PM
Yesterday, Experian and Fair Isaac decided to end their relationship... and the result will be that in a few weeks, Consumers will no longer have access to their FICO scores. "Currently, myFICO.com is the only place you can purchase your FICO scores based on your three credit reports from Equifax, Experian, and TransUnion. After February 13, 2009, you won't be able to purchase your Experian credit report or FICO score through myFICO.com. Moreover, you won't have access to your FICO score based on Experian data at all." As a lender, we will still have access to the scores, and (9 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.