Groups are smaller communities within the larger ActiveRain. Join groups created by others. or start your own and
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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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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.
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Whatever it is you're into and wherever you are, AR surely has a group for you to join.
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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
Well, I have this great stretch of land for sale over yonder that you can turn-around and sell for extreme profits. Speaking of which, I have this great e-book that you can download for $5.95 and it will pave the path to riches beyond your wildest dreams. Or, we can just deal with reality.
I'm not sure about others here, but I'm darn sure about myself. I don't work for a Non-Profit Organization, I don't have that luxury. In fact, we strive to actually profit off of the services we provide and time we put in at my respective firm. Yeah, I know, crazy concept.
The statement has been posed before, "I want the lowest rate and no fees, what can you do for me?" Well, I can inform & educate you to the best of my ability, but if you want a loan for free, call somebody else.
It's probably been discussed, debated, denounced, dissected and displayed how we make money on my side of the business...Financing To Buy or Refinance A Home. If you've missed it, let me clue you in on how we try to pay our bills.
As a Mortgage Broker here in Pennsylvania, I make money two ways. Either I charge a fee on the Good Faith Estimate I provide you, which itemizes all costs of the transaction and/or I get paid by the investor to charge a certain rate. It turns out that what I make tends to be a % of whatever loan amount I'm financing. Sometimes, that's 2% to my firm, sometimes 4%, sometimes it's only 1% or a flat fee. Everything in commission based services is negotiable, but my time is not. It's the only thing I have going for me in this great big world. I've been granted time....just not sure how much. I'm not the cheapest around and I will never, ever, strive to be that. I'm not the most expensive, I'm darn sure not to strive to be that either. What is my time worth? As much as yours I guess. I work hard, I work smart. You probably work hard and smart as well, we should be paid accordingly.
I don't blame consumers for the often mentioned question of No Point/Lowest Rate Mortgages. Well, I don't blame them alone. I want the best deal as well in whatever transaction I enter. It's what they've been taught. Is it the smartest question they can ask, heck no. As a matter of fact, when I field the phone call and that is the question, I know it is typically not the 'Smart' consumer who starts with that question. Typically, it is just the opposite. Yet, that's what they've been taught. 1, 2, 3, Jump! Pavlovian dogs to a sometimes distorted way of borrowing money to buy or refinance their home.
My Point Mr. & Mrs. Consumer is simply this. Not only ask the why's you have the right to know, ask the how's as well. Let us educate your wants, fulfill your needs, & understand the process thru & thru. Do I have the lowest rate, yeah, sometimes I indeed do. Do I have the lowest fees, nope, but I'm fair and full of disclosure. Surprises should be saved for Birthdays.
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.