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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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Consumers peruse these pages for information
Farm your niche market and cover all the happenings in your neighborhood
Trekking / Further Adventures In Life - 08/24/08 12:47 PM
Time is getting short! Very short! No, no, no Brenda and I are fine, but some time in the next 24 hours we're leaving permanently for Texas. Some where between Conroe and Galveston. I'm not being evasive we've been looking at houses in a wide area. Like all good treks we have only the vaguest of plans. We've been talking about this for several years, but business and family kept us in Las Vegas. In early 2005 we sold our condo and went on tour for two months among other things looking at homes in Galveston. Weather couldn't have been worse, (9 comments)
Convoluted Thinking - 08/21/08 04:20 PM
North Carolina has ban Yield Spread Premium, YSP! According to an article in Originator Times, http://originatortimes.com/content/templates/standard.aspx?articleid=3438&zoneid=1 Today, North Carolina, has become the first state to ban YSP's. Thumbing there noses at consumers and potential home owners, while telling them they are protecting them! Eliminating YSP will effectively force small mortgage companies acting as mortgage brokers out of business. It force mortgage rates and cost up due to lack of competition and lack of disclosure. The larger mortgage originators will simply operate as mortgage banks. The mortgage bankers will be able to charge higher fees, due to lack of competition and they (13 comments)
Congress in there wisdom - 08/20/08 06:45 PM
Congress in there wisdom has seen fit to bring an end to DPA , Down Payment Assistance as we know and hate it. For certain there must be a better way to put people into homes with little or no money than the current program of Non-profit fiascos.
Please consider the following, it was originally my comment on a friend's rant about the current slight of hand necessary to do private DPA. The problem is with the FHA/HUD bureaucrats, their charter doesn't call for a no down payment program so they came up with this DPA nonsense! To get around (2 comments)
Allowed, Allowable, Not-Allowed, Ambiguity, To Thine Own Self Be True - 08/19/08 06:05 PM
Allowed: Following the letter of a law or regulation. The safest of mistakes for the uneducated and/or timid. Allowable: Stretching the law or regulations, based on known case law and common practice. Most often a better approach, but requires an extensive knowledge of the subject. Not-Allowed: Breaking the law or regulation. It matters not your intent, ignorance is no excuse. I've included not-allowed only because it is so easy for some to pass from "Allowable" to "Not-Allowed" through foolishness, ignorance, stupidly, or larcenous intent. Ambiguity: A total lack or statutory or moral guidance. I wish to discuss dealing with the grey (2 comments)
Are Old Words Old Fashion? - 08/15/08 01:42 PM
I keep telling people that I'm not that old,just delapidate. But, lately I've begun to question my age. It's not a health thing, in fact I've been feeling pretty good, all things considered. My problem is not my age, chronologically or physically, my problem is my vocabulary! Most of our words are old if not ancient, so it's not the words. My problem is that my meanings have become old fashion. I'm finding that my expectations are exceeding my grasps. I love dealing with people especially when dealing in real estate and mortgages. I lust for the deal! I start each (25 comments)
HELOC Insecurity - 08/06/08 10:23 AM
Checking the Drudge Report http://www.drudgereport.com/ this morning I came across an article on Morgan Stanley freezing thousands of Home Equity Lines Of Credit, HELOC's. http://www.bloomberg.com/apps/news?pid=20601087&sid=afQ0PVYvOgzI&refer=home Home owners still owe the outstanding balance, but they will no longer be able to use the open ended feature to draw more useable cash from the loan. For most this is only an expensive inconvenience. For some a major financial setback. For those fools that strictly follow the "money merge" philosophy face financial disaster! I've been a long time advocate of Lines Of Credit, both secured and unsecured and remain so. When the HELOC's came along opening (10 comments)
Real Estate 102 I'm appalled at the sorry state of many real estate agents, and I use the term "agent" very loosely. Maybe the time has come to install taxi type meters in agents cars and bill by the hour and mile. $5.00 for dropping the flag (letting the buyers into your car) $20.00 if you actually have a car with a comfortable back seat. $1.30 per mile. $0.17 per minute waiting time. $10.00 per door opened with key box. $20.00 for para-legal services, filling out a sales agreement. $1.00 per page for faxing said sales agreement to listing agent. (10 comments)
Misidentification / Have Nots / Undeserving - 08/02/08 02:41 PM
Our on going national disgrace, disgraces (?) Disgraci, what ever, has us turning on each other. After nearly thirty years of hate mongering by politicians perhaps it's to be excepted that we can no longer identify with our fellow man. What bothers me is that other wise good people, good real estate people, good mortgage people are mislabeling other good people for political convenience! It bothers me that so many have lumped the "have nots" with the "undesiring!" I can't define "undesiring" although I often think I know them when I see them. What I can define are the "have nots." (24 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.