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
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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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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.
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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
Just reported: decline in Mortgage Applications. On first glance one would think, how can that be? At least ReFis should be solid, the 30 yr rates are back under 5%.
But a closer look makes it clear:
1: ReFi is only possible when the mortgage is not updside down and the value is actually above what is owned. Since the markets have declined so drastically there are very few owners who still have sufficient equity in their homes to not only refinance but also carry the cost of it and end up with a better rate. Additionally the appraisal process and the outcomes are highly unpredictable. A client of mine who bought last year with cash and applied for a Home Equity Loan is in his 8th (!!) month with this application and on his 2nd appraisal with the second appraiser as the first coming from a completely different area with little to no knowledge about our local markets. They are solid people with good credit. That the bank did not ask them to list their clothing as collateral was all. Unless one really needs and wants to, it is by now a process market by staggering indignities and ridiculous requests. All in the name if CYA....
2: Buyers do not really believe that there is a silver lining and prices will go up. The perception and expectation is that there is further eroding. So one stays at the side lines and watches the prices come down. Unless one really needs a home because of a move and there are no rentals available they do not feel the pressure.
3:Unless mortgage rates hit 7+ % it is still incredibly affordable to take out a mortgage. Nobody feels that pinch (yet)
4: Unemployment is still very high and only gets lower at a less than snails pace. Companies still lay off. If one is not 100% sure the job is still there in a year, taking on a mortgage is simply out of the question. People have learned a thing or two about risks...
5: Even if we see the ARMs, 100% financing and all the good stuff creeping out of their shallow graves again, people are not readily accepting those anymore (see No 4...)
So it is clear that this is a systemic problem and would these phenomena appear economy wide we would have the perfect Deflation, a downward, self feeding spiral.
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.