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
Here is a lot of great information for Pensacola, Pace or Gulf Breeze sellers that are underwater on their mortgage or that may need to short sale in lieu of Foreclosure.
Would you like information on buying or selling Foreclosures / Short sales CLICK HERE or Search All Pensacola, Pace and Gulf Breeze Area MLS Listings CLICK HERE for Rentals and Homes For Sale.
Sellers Flat Fee of $2995 when one of our agents sells your home or if you want MLS (where you home is available for all Real Estate Agents to sell) then the best program TODAY is $1495 to us +3 % offered to Buyers Agent for bringing the buyer. When you understand how agents work you will clearly see why we sell 94% of our homes at or above asking price and why REAL ESTATE AGENTS would rather sell our homes than anyone else’s. The Real Estate Agent gets paid more and the seller saves over 63% on average.
Charles Stallions, CRS, CSP, CBR, CDPS, SREE, EREI - 800-309-3414
Charles is a Real Estate Investor of 25 years, a Real Estate Broker for 15 years while holding several degrees in management, an expert in the buying and selling of real estate. Whether you’re buying your first home, second home, vacation home, investing in rentals, a kiddie condo for college or your dream home, buying any home is an investment in the future and you owe it to yourself to have Charles’s expertise to buy right and make the right decisions for YOU. For over the phone evaluation and NO Obligation CALL NOW! you have OPTIONS, we have FACTS, let’s TALK
HARP | home affordable refinance program | refi | making home affordable
The HARP program (aka HARP 2.0 or HARP 2) explained
TheHome Affordable Refinance Program (HARP 2.0)is now underway. In essence, this will allow homeowners torefinancetheir mortgage without an appraisal in most cases offering much needed payment relief. Originally launched in September 2009, theHome Affordable Refinance Programwas designed to help millions of homeowners, but it only helped approx 900,000, falling far short of analysts expectations.
HARP 2.0is expected to help millions of homeownersrefiand take advantage of near record interest rates while assisting in reducing the number of foreclosures. There are still some of the same requirements that the first version of theMaking Home Affordableprogram had. For example, the home must be owned byFannie MaeorFreddie Mac. And that loan must've been sent to Fannie Mae or Freddie Mac by June 1, 2009 (something most homeowners are unaware of).
The originalHome Affordable Refinance Programwas geared towards the big five lenders:Wells Fargo,Bank of America,Ally Financial,JPMorgan Chase, and Citimortgage. Under the newHARP 2.0 program, there are many lenders participating in this. One thing to look out for is that most lenders will still have what are called "overlays". These are additional restrictions & guidelines above what Fannie Mae and Freddie Mac require and this will limit the options for homeowners that go to these lenders.
To get the most out of theHome Affordable Refinance Program, homeowners need to find a lender that does not have any overlays. For example, Justin Lees, Branch Manager at Western Bancorp, can offer theHARP 2.0 programwith zero overlays. Justin can be reached at 916.276.7618 or homeowners can apply online atwww.securehomefinance.com.
If you qualify for theHome Affordable Refinance Program, but you have mortgage insurance (MI), you will still be able to get a newHARP 2.0loan as the mortgage insurance is simply transferred over (unless your MI company is Triad). Regarding appraisals, they are generally not needed for theHARP 2program. There are cases where an appraisal will be needed to determine other property specific characteristics, but the value will not affect eligibilty.
Another benefit of theHARP 2.0program is that the costs are less. Traditionally, conventional mortgages have what are called loan level adjustments so that as you go up higher on the loan-to-value ladder (75%, 80%, 85%, 90%...) the interest rate increases (or the cost for a specific interest rate increases). The same is true for Fico Score. For example, the cost for a certain rate is higher for a homeowner with a 680 Fico score compared to the cost for that same rate for a homeowner with a 740 Fico score. This is not the case with the newHome Affordable Refinance Program (HARP 2).
To check to see if you qualify for either of theHome Affordable Refinance Program(Fannie or Freddie),CLICK HERE.
Why Pay More To Get Less?
Charles Stallions Real Estate Services charges a flat fee of $2995 or $1495 PLUS 3% if you want to be in the MLS. What do you get? Our 27 step program. . includes print advertising in the #1 magazines, 8 or more websites for homes for sale. Open Houses, Tour Of Homes -Auction style, Lots of signage, Realtor Alerts and much more. Call 800-309-3414 for over the phone details with no obligations.
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.