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
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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!
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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
Here are two programs designed for the homeowner who has been unable to replace their existing mortgage with one that offers a lower rate and payment because of the lack of equity in their property. Also known as being "upside down".
Recent updates to these programs were made on September 19, 2009 with the DU Refi Plus and October 1, 2009 with the Freddie Mac program.
Here is an overview of what these programs offer:
The loan amount is allowed to be as high as 125% of the properties value.
Offered on owner occupied properties, 1 unit up to 4 unit multi-families.
NO MINIMUM CREDIT SCORE REQUIRED.
An expectation is that there have been no 30 day late payments on your existing mortgage in the past 12 months.
The rates I have been seeing on 30 year fixed mortgages have been in the high 4's and into the low 5's.
Neither have a limit on combined loan to value. This means the new first mortgage could go to 125% of the properties value and at the same time still have a second mortgage in place. Guidelines allow for this, however the existing second mortgage must agree to subordinate and stay in second position on title.
There are restrictions and certain guidelines to be met. The existing loan also has to be a current Fannie Mae or Freddie Mac loan and the presence of mortgage insurance will also play a factor on any approval offers.
If your home is equity challenged, I encourage you to call your favorite loan officer and explore some 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.