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
For the past year I have been working with Amy to get her credit to a point that she can qualify for a mortgage.
A little history, divorced, mother of two, working full time, plus has a small home business, paying $1,300 rent and wants to own her own home.
As part of the divorce agreement, she ended up with responsibility of paying all the credit cards. They were not huge balances, but a dozen accounts. She couldn’t make all the payments, so she stopped paying most of them.
That is good news and bad news. The good news is the ones that she was paying reported positively to the credit bureaus, the bad news the others we hurting the credit scores a lot faster.
The fixing process can be overwhelming. I coached her to start working on the smallest problems first. $4,800 later, all the derogatory credit has been resolved. We started with a mid score of 528 to being 120 points higher.
She has made 2 offers on homes and is getting close to becoming a homeowner. Her monthly payment will certainly be less than her mortgage payment.
Anyone can get to credit fitness, once they are committed, just like Amy.
Many homebuyers now and into the foreseeable future will face tight lending standards and the need to improve their credit score to get pre-qualified or pre-approved for mortgages. Be aware of the following steps your prospects can take for some speedy credit repair to gain lender approval and the best possible rates, especially if they are months away from a purchase:
Credit Card Wisdom • Paying revolving credit cards down is generally more beneficial than paying down student, mortgage or auto loans. • Always leave a 30 percent or higher gap between what you owe on the card and the card’s limit. Lenders look for this minimum gap. • Use cards with care even if you pay off balances each month. Depending upon statement dates, the lender may see big balances. • Pay down the cards closest to their limits first for speedier credit repair. The lending bank will then see the “gap” it wants to see. • Do not ask a creditor to lower credit limits. Generally, carrying smaller balances on several cards is better than one large balance on one card. • Check your credit card limits to make sure the report is correct. Limits may not be reported on all cards. • Never make a late payment on credit cards or any loan.
Protesting Items • Protest any unjust negatives such as late payments, collections that are not yours and any items not reported as “paid as agreed” if you paid on time and in full. • Protest items listed as unpaid that were included in a bankruptcy, and items older than seven years (10 for bankruptcy). • Focus first on the larger, newer negatives listed on the report.
Don’t worry about smaller items like incorrect address information or an old employer listed as current unless there’s the possibility of identity theft or the file is mixed with someone else’s.
Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.
Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.
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.