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
I remember being a first time home buyer and the mystery that surrounded the transaction. This is the first post of a "Spring TX first time home buyer series". I hope this series will help to alleviate some of the home buying mystery.
The VERY FIRST step in the process is to get yourself pre-approved with a good lender. I'm not talking pre-qualified; I'm talking pre-approved. There is a difference between the two. In the days where anyone could get a loan this was not a big deal but those days are over.
What is a Pre-Qualification?
A prequalification is simply a meeting between a loan officer and a customer to determine what the mortgage needs of the customer are. Income and assets are not verified. The credit report may or may not be pulled. The information is not submitted to an underwriter. The lender does not receive enough information to make a credit decision.
What is a Pre-Approval?
Pre-approval includes a complete loan application. A credit report is pulled and asset and income are verified. The information is submitted to underwriters for "credit only" decision. Once you have been pre-approved your credit package can be used with any property. Final loan approval will be subject to the underwriter approving the property only. A pre-approval is normally good for 90 days. The borrower receives a written pre-approval letter. A true approval requires this income and asset documentation and credit reports are required on all loan types.
Being pre-approved in Spring TX gives you an edge when you start looking for your home. If you get in to the situation where there is more than one offer on a home it is often the person who is further along in the loan process who will get the home. I have even had the situation where the other offer was a little more but my seller preferred the person who had a true pre-approval.
The rules have TOTALLY changed in the mortgage industry. The products that lenders had for first time home buyers in Spring TX last year, maybe even last week are no longer available to the consumer which makes getting pre-approved for your loan more important than ever. Once you even think that you might be interested in purchasing a home you should call a lender. Even if the news is not good by going through the process you will know what you need to start working on and you can make a game plan to get your credit in order.
The days of a real estate transaction being dependent upon the creativity of a loose lender are finished. Down payments are back again and FHA loans are sometimes the only game in town with VA loans being about the only 100% loan. With all of this in mind getting yourself pre-approved before you ever start looking is more important than ever.
I am also attaching some Do's and Don'ts you might consider putting in to action when you start thinking about purchasing a Spring TX home.
Do make all your payments on time. Your credit will be checked again right before you close.
Do continue saving money. There are always additional expenses once you move and you will be glad for that savings.
Do make deposits into your bank account on a regular basis. If you have any unusual deposits for large sums of money document them as the lender may need to verify the source.
Do not co-sign for any loans for friends or family. That debt would be held against you.
Do not decide this is the time to change banks; you can do that after you move in.
Do not open ANY new accounts. Even though the new account has a $0 balance it may still affect your debt to income ratio.
Do not buy a new car!!! Wait until after you are in your new house then go car shopping otherwise the debt could affect your debt to income ratio.
Do not lender shop over the Internet. Each lender pulls a credit score and multiple hits on your credit report can cause your score to drop dramatically.
Do not pull your own score and then decide you will check why accounts are still open or have balances. I did this myself and then had to write a note at closing to explain why I had all these hits on my credit
If you would like information about Spring TX please visit my websites at www.AgentwithResults.com and at www.ResultsRealtytx.com. The AgentwithResults site is rich in Content about Spring and the surrounding areas of Tomball, The Woodlands and Magnolia. If you prefer pictures with your content then visit my ResultsRealtyTX site.
We serve all of San Antonio, including the cities of Alamo Heights, Terrell Hills, Shavano Park, Hollywood Park, Hill Country Village, Bulverde, Garden Ridge, Schertz, Cibolo, Converse, Universal City.
We serve ALL neighborhoods, including Stone Oak, Encino Park, Cibolo Canyons, Rogers Ranch, Sonoma Ranch, Steubing Ranch, Canyon Springs, Alamo Ranch, Champions, Stonewall Ranch, The Dominion, and more.
Sands Realty is a San Antonio-based independent residential real estate company committed to excellent service and exacting standards of honesty and integrity in conducting business.
We serve all areas of San Antonio, including Alamo Heights, Alamo Ranch, Boerne, Bulverde, Castle Hills, Champions, Cibolo, Converse, Deerfield, The Dominion, Encino Park, Fair Oaks Ranch, Garden Ridge, Helotes, Hill Country Village, Hollywood Park, Inwood, Leon Springs, Monte Vista, Northwest San Antonio, North Central San Antonio, Northwood, Olmos Park, Rogers Ranch, Schertz, Shavano Creek, Shavano Park, Sonterra, Stone Oak, Terrell Hills, Universal City, Ft. Sam Houston, and Randolph AFB. We proudly assist clients in every price range throughout the greater San Antonio metropolitan area as well as across the nation.
Through our real estate web site, www.shirleyparks.com, you have the ability to search virtually every home for sale in the San Antonio area.
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.