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
We all want to be prepared and we all have plenty to prepare for these days. But, there is nothing worse than an unprepared borrower. You know the type...Those clients that just want to assume that thier credit is perfect and they just deserve to get the best deal. They have no financial, credit or income issues.
I have one word for those borrowers and those realtors that don't want to waste their time.. PROACTIVE...! Be proactive and get your borrowers in touch with a loan officer that understands the revised regulations, rules and challenges that face potential buyers today.
We believe that the PERFECT STORM for buyers of real estate in Arizona has arrived and will continue through until around the end of this summer. Rates are low, home prices have hit bottom or at least close enough to the hitting bottom. We're now finally seeing a consistant increase of POTENTIAL buyers getting excited about what they MAY be able to afford.
For example, I met with a very excited married coupleback in November 2010. We discussed purchasing a home as they have been living in a rental for years providing for thier growing family. They were very excited at the potential of purchasing a home. Now that home prices have come down to affordable levels. When I mean excited, I mean excited. Like a light bulb goes on in their head and they get all gitty like... There is no one that can tell them that they can't afford or buy a home NOW.. You know the type.. You also need the commission.
You know I wouldn't share a story about a buyer that I couldn't get qualified.. But, I will share with you the reality of how sometimes you need to slow things down a little. Sometimes you need to really dive into the details of the borrowers situation in order to uncover potential issues with the file.. Let's just consider a few of them...
Income verification: How long have they been working at their current job? In this case my borrower had multiple student loans, some deferred and some active. There is a big difference between the two and knowing how to qualifiy a borrower with both is important if you have a borrower with limited income. Our borrower was previously a student along with a veteran. He just started his employment three months prior to getting his contract approved.. Understanding all these scenerios is crucial for making this kind of loan work. Know how to list out all the details for underwriting and provide documentation to verify is priceless. I can't tell you how many real estate agents will send me deals that got turned down. Because the previous loan officer just didn't ask the right questions or understand how to Document, Direct and Deliver to the underwriter.
Credit Score: This one is HUGE.. Buyer Beware.... Most borrowers don't have any idea what their credit score is and don't have any idea how it's calculated. After taking a detailed loan application, pulling credit is the next step. Guidelines seem to be changing every month and so does the lenders tolerance level. You have to be an expert on credit reports in order to deliver as a Professional Mortgage Broker these days. You have to read and understand every line and know how to manipulate the score if you need to..
Back in November when I pulled my borrowers credit we had a 595 mid score. We do have lenders that can get this deal done. BUT, only with strong extinuating circumstances to say the least.. I delivered them a small list of TO DO's which they got done and WA LAAA DEEE DAAA....Their credit score less than two months later is 50 POINTS higher.. I can't share with you how important it is to be working with someone that understands credit reports and guidelines today.. Our client went under contract today.. Very excited for them...
Veterans deserve to get loans and we are happy to be working with those that served our country. We will dedicate ourselves to their success as they have done for our freedom..
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.