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
Some lenders want you to think it's a magic trick. Today I'm going to reveal to you how it's done.
Here's how it works. The loans come at a slightly higher interest rate and then the lender pays your closing costs with the bonus they get by quoting you a higher rate than a "you pay the closing costs" loan.
Don't get me wrong, I think this is a great program and recommend it for many of my clients. For example, let's say you have a $200,000 loan at a 7% interest rate. If you refinance to a 6.25% rate, it would save you about $98 per month. But, if the closing costs would then be $3,000, it would take about 2 1/2 or 3 years to break even on the costs. In other words, it would take about 3 years of saving $98 to equal out the $3,000 that it cost you to make this change.
For example, if we had a no closing cost loan at 6.5%, instead of saving $98per month you would save about $66 dollars a month, but there are no costs, so the break even point is immediate.
The good thing about the "no closings costs loan" is, if the rate drops another quarter percent, from 6.5 to 6.25, 6 months down the road you can do this again. Because again, what did it cost you to do? Nothing!
You see, on this loan, since there is no cost, you can refinance even if the rate only drops just a small amount, because there are no costs involved for you to pay at all. No cost that you pay at closing, no costs that are rolled into the loan, Nothing!
Now, did you get as low as a rate as a "you pay the closing costs" loan? No. But is the extra $30 dollars per month savings worth the $3,000 in closings costs, well, there is no right or wrong answer to that. That's where I can crunch the numbers for you, give you honest information without all the sales pitch crap, and let you decide what is best for you and your family.
Now you know the truth, remember, you can use this strategy for buying or refinancing your home.
Let's make sure you are able to make the right choice for your future with all the honest answers and information you need!
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.