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
This is a helpful list of things to consider. Before putting all your money into mortgage payments, please consider the following 7 important issues. By considering these important financial issues, you will be able to make your payments work much harder for you.
1. Get pre-approved BEFORE you look for your new home.
Of all the steps to do before you buy a home, the pre-approval part is the easiest. One of it's benefits: It will give you complete peace-of-mind while you are looking for a home. The best part, it's usually free. Your California mortgage lender can give you a written pre-approval with no obligation on your part. Getting pre-approved means money in the bank! Being pre-approved means that you have a guarantee of obtaining a California home loan up to a specified level.
2. Know what level of monthly payment are you comfortable with.
When your are discussing your pre-approved mortgage with your California mortgage lender, you will find out up to which level you can borrow. You must also pre-assess what amount of dollars you want to spend each month on your home without getting uncomfortable. Your financial situation could give you a higher level of pre-approval than what you could feel comfortable paying each month. Once you have set that amount, you will know the price range of the house that you should be looking for.
Before you commit to a certain type of California mortgage, there are a number of questions you should be asking yourself. Mainly: How long do you think you will own your present house? Are the interest rates going down or up? Will your earnings change in the near future, will that change have any influence on your future payments? Once you know the answer to these questions, you should be in a better position in choosing the appropriate type of California home loan you should be looking for.
4. Payment frequency options.
Accelerated weekly and bi-weekly periodic payments can save you thousands of dollars in interest payments. If you plan your mortgage periodic payments well, you will significantly lessen the amount of interest that you will be charged over the term of the loan. The best trick is the accelerated bi-weekly mortgage payment system. You pay every second week, half the amount of what should have been your monthly mortgage payments. By using this system, at the end of the year you will have paid the equivalent of 13 monthly payments.
Note: Not all mortgages are of the accelerated bi-weekly
5. Authorized pre-payment.
Another system that can greatly reduce the total interest amount you will have to pay is the authorized pre-payment system. By paying off a certain percentage of your mortgage, or by increasing the amount that you pay monthly, will greatly reduce your mortgage costs. By using an authorized pre-payment system you can have a major impact on the number of years you will have to pay your mortgage.
Note: Not every mortgage has the prepayment option built in.
7. It's usually better to choose a good house instead of a good deal.
Here is an example. In 2004, two houses were sold. One for $320,000 and the other for $610,000. One was at a major road and the other one, not far from it, in a reasonably quiet street. Both houses were purchased by respective owners around 1982. The one at a major road was paid around $70,000 while the other was paid around $90,000. The owner of the later home not only got higher appreciation from his house, he also enjoyed a quieter life for 22 years.
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.