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
Buyers Beware...You could be Hurting Your Credit Score, isn't because of some scam or purchase you make although that could hurt your credit score too!
Recently a buyer for one of my listings was doing everything right to maintain her credit score before the purchase of a home.
She was making her rent payments, her credit cards and car payment on time without fail. The perfect buyer!
She like many First Time Buyers had been working on establishing her credit. She had paid cash for nearly all of her purchases, at her parents urging to keep out of debt. The old school of thinking is no pay cash and only buy what you can pay for, to bad more people didn't subscribe to that we would have less foreclosures right now. Sorry, thinking out loud in words again, everything is a payment. If you base your life on payments instead of affordability if something happens you could be only one or two payments from the street!
So she had little credit established...it wasn't poor credit just little credit. So using her rent, monthly credit card and car payments she was approved for a loan.
She found my listing and an offer was written. She is all smiles and loves the home. The appraisal confirmed the purchase price to be fine. The inspections yielded more happy results with nothing needing repair. She could hardly be happier.
A week before close the lender runs a second credit report, as is customary, to make sure no changes have taken place with purchases that were not disclosed when the loan was established.
The report comes back and she has dropped 6 points on her credit score! Below the lenders acceptable limit for granting loans under the new lending guidelines. She calls me in tears.
She was working so hard to protect her credit score that she paid off her credit card and then canceled it! Canceling her credit card caused her credit score to drop. Why? Simple she no longer has the same credit available. If she had just paid offer her credit card it would have been fine. Since she canceled it that is treated like less credit and affected her credit score negatively.
Before you make changes in your spending or buying habits speak with your lender. Make sure you know that your efforts to improve your credit score are really going to work. By the way I was able to get a lender waiver on the 6 point drop with the underwriter because her efforts were to improve her debt ratio not spend more. She is smiling again!
Buyer's Beware your good effort could hurt your Credit Score!
First Time Buyers up to $8000.00 tax credit until November 30th. Live in the Grand Rapids or West Michigan, not under buyer agency and need expert help to buy a home....give me a call. It could save you thousands in your next real estate transaction. FlexIt Realty designs selling and buying programs to meet our clients' needs. Your call is always confidential and you are never pressured.
Grand Rapids Real Estate & West Michigan real estate markets, trends and issues discussed. Technical and personal thoughts pertaining to buying and selling real estate.
How-to information, view 1000's of active listings. Go to our website for over 30 Free Reports that could save you thousands. For immediate service...
Call: 616-784-2360 or Email: GaryWhite@FlexitRealty.com
Flexit Realty® offers "Flexible Real Estate Home Selling Options"
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.