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
I always get asked by first-time homebuyers, "What are the closing costs?" Sure, everyone has their own definition of closing costs. But I know what they are really asking me: "How much am I paying in TOTAL out of my pocket?" It amazes me how many potential first-time homebuyers are ignorant to how much it really costs to buy a property when getting a mortgage. And it's through no fault of their own.
A buyer may have a second-cousin who lives across the country who is a real estate professional (substitute this with any other relative, friend, know-it-all, etc.) and tells them that a good rule of thumb is closing costs are 3% of your purchase price. Sure, if they are buying a $300k house. What Cuz failed to mention was that on a $100k house, that rule doesn't really work because $3,000 doesn't quite cover all of the closing costs.
Another buyer sees a very convincing commercial or ad from a discount mortgage shop advertising low closing costs of only $1,500. Now, did the marketing geniuses who created the commercial or ad simply forget to mention the buyer will also have to pay for title, survey, homeowner's insurance, flood insurance, state stamps, just to name a few other closing costs? It probably just slipped their minds.
And yet another buyer was told by a mortgage professional (the term is used loosely here) that their closing costs would be $X. Then as the closing date approaches, the figure jumps 25-50%. But how can that be (sense the sarcasm here)? New lender laws that protect the consumer require that "certain costs" can't change by more than 10% or the borrower has to be refunded the difference. But what the mortgage pro failed to reveal to the bright-eyed, bushey-tailed buyer was that he low-balled the estimate for homeowner's insurance, didn't even consider flood insurance, doesn't even know what a mitigation report for insurance purposes is, and completely forgot to mention that buyer will probably end up paying for a home inspection.
My job as a mortgage advisor is to educate buyers and other parties involved in the real estate transaction, not sell them a mortgage (what homebuyer wants to "buy" a mortgage anyway?). Sure I can quote them an interest rate and say "Hey, are you in or are you out?" But what good does that do the buyer, the realtors involved, the attorneys or closing agents, the seller, or the owner of the house that the seller was going to buy, if the buyer ultimately doesn't have the funds to close?
Remember, when lenders compete, you win. . .sometimes.
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.