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 Benefits Of Pre-Approval / Pre Qualification VS. Pre Approval
(Q) Can you explain to me the difference between Pre Qualification and Pre Approval
Also if I decide to be Pre-approved what documents will the lender require?
Pre Qualification Vs Pre Approval
(A) Pre-Qualification is only a loan agent's opinion that you 'll be able to obtain financing. No verification is made, so formal approval is not issued.
Pre-Approvalmeans your loan application has been taken through a rigorous procedure. Pre-approval saves you the time of looking at houses you can't afford.
Pre-approved buyers are ahead in the home buying game. If you make an offer on a home and then apply for a loan instead of the other way around, you are at the mercy of the lender who now knows that you don't have time to shop around.
A pre-approval letter from a lender will also give you an edge when multiple offers have been made on a house. Pe-approved buyers generally close escrow more quickly, since most of the paperwork has already been taken care of.
It's up to you Weather or not you want to be Pre-approved or pre-qualified. In today's Real Estate Market a large percentage of selling agents will not accept an offer to purchase without a pre-approval letter from the lender. If you are serious about buying I would suggest that you get pre-approved
Gather the Documents/Take a look at your Assets and Monthly Expenses Your lending institution will ask you to give a complete profile of your financial situation. In addition to your income, your existing assets and debts will determine how much money that you can borrow.
Below you'll find a list of documents you may be required to produce regarding your financial situation when you speak to a lender. It is a good idea to gather these things now and have them on hand. You will need to provide this information for all primary and co-borrowers.
. Social Security Number . W2 Forms from the previous two years . Pay Stubs most recent months) . Employment History Summary . Bank statements for checking and savings accounts (past 3 months)
. Creditor Information. This includes debts like: .Student Loans .Auto Loans .Credit Cards .Child Support Payments . Federal Tax Returns (for the past 2 years)
. Complete Record of Assets . Stocks, bond, and investment accounts . IRA / Retirement plan . Life insurance policies . Automobiles owned . Construction loan . Gift letters . Documentation of other income
After looking at this information for yourself, it's time to speak to a qualified lender. A professional advisor will not only be able to give you information on the best rates and terms available in the current market, but he or she can also explain to you what options you have given your unique financial situation. Talking to a lender at this time will help you get more accurate idea of what you can afford. When we begin to look seriously at homes you'll go back to the lender and shop around for the best loan available..
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.