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
The number #1 rule in real estate is to find a ready, willing, and able buyer. It is incumbent upon real estate agents to find ICE Buyers: Income, Credit, Employment. A credit ready client is a credit worthy client with financial ability to purchase a home. Real Estate Agents must determine a "homebuyer" from a "window looker."
ICE Buyers possess the necessary financial credit requirements necessary to acquire a FHA loan. Congress and the American Banks have mandated homebuyers have a minimum 620 credit score. FHA Loans are fixed interest rate loans which include: principles, interest, taxes, and insurance (PITI). FHA credit guidelines require ICE Buyers make 12 timely monthly payments within the last 12 months. FHA forgives debts in collections, and maximum of $5,000 in medical expenses. If you have a Chapter 7 bankruptcy, you can acquire a FHA Loan in three years. FHA Loans will be granted to prosepctive homebuyers in a Chapter 13, as long as the homebuyer has made 12 consecutive months of timely payments, and the bankruptcy administrator or bankruptcy judge approves the home purchase. If you have a foreclosure, you can acquire a FHA Loan within two years.
The Federal Trade Commission (FTC) establishes guidelines for three credit reporting agencies: Equifax, Experian, and Transunion. The Federal Trade Commission (FTC) and Congress created the Fair Credit Reporting Act to protect credit consumers.
Fair Credit Reporting Act
You have the right to ask for your credit score.
You have the right to dispute incomplete or inaccurate credit information.
Consumer reporting agencies must correct or delete inaccurate information.
You must give consent for reports to be provided to employers.
Identity theft victims and active duty military have additional credit rights.
FICO created nationwide credit scoring system called FICO Credit Score. Three Credit Bureaus comprise credit averages for credit consumers. Equifax, Experian, and Transunion utilizes FICO score, whereby mortgage brokers and financial institutions can effectively determine the credit worthiness of credit consumers. Example: If your Equifax credit score: "675," Experian credit score: "650," and Transunion credit score: "625." Your FICO score is "625." Mortgage brokers and financial institutions use the middle credit score as the proverbial average credit score. Your Loan To Value (LTV) or Debt Ratio is your total monthly debt minus your total gross monthly income. Your mortgage broker can approximate the amount of home a consumer can afford by LTV or Debt Ratio. FHA requires LTV or Debt Ratio between 32% and 35% of your gross monthly income. Consumers learn the ABC's Of Credit to graduate to homeownership. Homebuyers must fire your Landlord, and hire William "Super" Byrd (404) 992-1513.
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.