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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
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AR's community takes the time to leave honest and transparent reviews of their experiences
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Whatever it is you're into and wherever you are, AR surely has a group for you to join.
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Each month AR runs numerous contests as a way for our members to engage in activities
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Earn points by partaking in these contest and climb the leaderboard
Do what's good for you and your business by participating
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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
As interest rates have reached historic lows, many homeowners have had to watch from the sidelines. These frustrated homeowners have been told time and time again they can't refinance because plummeting home values pushed their mortgage underwater. Yet many of these homeowners are gainfully employed, have maintained solid credit and have dutifully paid their mortgage payments. President Obama and other politician likes to call this group the "responsible" homeowners. The revamped guidelines of the Home Affordable Refinance Program, better known as HARP, have opened the floodgates to millions of underwater homeowners that were unable to lock in the prevailing low rates.
This updated program is far from perfect - you probably have your own opinions by now and can poke some holes in the program. Yet the consensus is it's a big improvment from the original guidelines. The laxed eligibility requirments is much welcomed by fatigued, responsible homeowners who have not been able to refinance, even as they saw their neighbors struggle to make mortgage payments, only to modify their loan or get from underneath their unaffordable home through a short sale.
What this means is that marketing to HARP 2.0 prospects will produce an unusually high response rate. The prospect of a high response rate may ellic groans from loan officers and production teams because of the staggering number of homeowners that could not qualify under the previous program, primarily because of LTV or credit issues. At Datamark, we believe that an application that is unfunded is a total waste of time and money. Our focus is on PRE-QUALIFICATION so that you are getting in front of qualified prospects that sail through underwriting. Our prescreen, tri-bureau platform identifies homeowners that are most likely to survive the underwriting process. When building a database of HARP 2.0 eligible candidates, we'll drill down on some specific attributes:
Unblemished mortgage payment history (zero lates in the past 12 months).
Fannie Mae or Freddie Mac as investors in the current loan
Origination date prior to June 1, 2009
Credit scores north of 620 or higher.
This list of criteria is not exhaustive, and we can apply a wide variety of other filters to build your perfect list.
Pre-Qualification translates into more funded deals, lower costs and a higher return on investment.
While there is no doubt that consumers are taking to the Internet to learn more about refinance options, including HARP 2.0, Internet marketing can be costly, with leads costing $10 or higher. Many of these prospects are unqualified. You can spend a lot of money getting in front of a homeowner that has a zero chance of surving the underwriting process. With prescreen credit data, you can eliminate the costs associated with working with unqualified applicants. Who's your niche audience? For expert consultation, free counts and experience driven advice, call us at 1-800-396-9349, send us an e-mail, or fill out a quick form with your crieria and we will go to the drawing board and tell you how many prospects meet your criteria.
Datamark provides one of the most comprehensive and reliable mortgage databases in the industry. You get unprecedented access to all three leading credit bureaus within a single, robust platform that houses data on 180 million unique consumers nationwide and processes 700,000 credit inquries daily. Our focus is on pre-qualification so that financial marketers can reach the most eligible prospects, resulting in more funded deals, lower costs and a higher return on investment.
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.