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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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
Whether you live in Massachusettes or Montana, there are options to help homeowners in too deep. Read what Marcia has to say, then if you would like to confidentially discuss your personal situation with me, please call, or email. I'm glad to set up an appointment to visit in the comfort of your home about the options that may be available to you!
What Can I do When I Owe More than My House is Worth?
It is estimated that as of the end of 2010,23.1 percentof all U.S. homeowners with a mortgage owed more on their homes than their homes were worth.So you’re certainly not alone!– And it may not be the end of the world.Let us help you wade through your options and possibly learn ofresources and options that are available to you
First and foremost – Did you plan on being in this house for 5 or more years and can you afford the mortgage?If that is the case, there is a good chance that you will see equity increase over time and your short term worry may simply vanish over the next few years.Possibly making improvements may increase the value more quickly, especially if you’re able to do the work yourself.If the house is working for you, try to put market value aside for now.Take a look in a few years and you may be pleasantly surprised! This market WILL turn around. In fact in some areas of the country and yes, in some areas of Massachusetts, we’re seeing some pockets of appreciation.
However, if you feel you can no longer afford your mortgage, and you’re feeling the weight of the situation on your shoulders, you may want to re-assess your next steps.First – Has your situation changed since you initially took out the mortgage?For instance, is there an illness, or has there been a job loss or job reduction, or was there a divorce or separation where one owner is no longer contributing to the mortgage? This life change is considered a Hardship and documenting that hardship for your lending institution may help your cause.The important thing is to GET HELP NOW– Open those letters from your bank and talk to your lender about your situation.
Loan modifications can be sometimes worked out with your Lender and it’s worth the effort of documenting your situation and talking to the bank about your inability to proceed with the current mortgage.Remember that most banks are inundated with requests and you will need to be strong and proactive – DON”T WAIT until you’re months behind – Your decisive action will demonstrate to the lender, your level of commitment to try to address your situation.But if you simply don’t think you can proceed with this home, that over the long term the home is simply no longer affordable to you, a short sale may be your best option.
A short sale is defined as a sale of your home where the sale price is less than what is owed to the bank.The bank must agree to this reduced price and your realtor and their team of professionals (possibly an attorney and/or a short sale negotiator)will work with the bank to come to some resolution on price.Once a price is agreed upon, you, the seller, will be forgiven the difference between the sale price and what is owed to the bank.You are about to start your new life.This process with the realtor and his/her team of professionals is paid for by the bank.There is no cost to you.
Avoid scams. Be careful of ads like “We Buy Houses for Cash” or “Avoid Foreclosure.” They may try to o convince you to sign over ownership as part of a complex refinancing arrangement.They are trying to make a quick profit – or in some cases are actually trying to commit fraud.
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.