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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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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
I recently received an advertisement in my email that said "Learn how to Create a Loan Modification business and earn 'lazy money'". I was horrified. Is this the new way to prey on homeowners in distress? Does paying for Note Modification assistance increase your liklihood of getting your Note Modified? No.
Lenders have specific requirements that must be met to obtain a Note Modification and specific documents that must be provided to support your request. I have coached several homeowners through the Note Modification process at no charge and can state unequivocably that no one cares more about the Note Modification or is more diligent about follow-up with the lender than the homeowners!
All the homeowners need for a 'self-help' Loan Modification is:
Help demonstrating the current hardship and, equally important, the long-term ability to pay the modified mortgage going forward
The specific process, timeline and potential road-blocks
Someone to call when they hit a wall or get frustrated
The charge for Loan Modification services appears to range from $2,000 - $3,500 or more and, yet, it only takes a one-hour appointment and availability by phone to provide those services.
I am often asked why, as a realtor with a 20 year background in lending, I would offer this service for free when I could easily charge for my expertise. The answer is simple. Some modifications aren't granted and some homeowners will need to sell in order to avoid foreclosure. If I honestly and diligently do everything I can to help them SAVE THEIR HOME, they will trust that the ultimate sale was truly in their best interest. Those that DO receive Note Modifications are my most outspoken referral sources and I couldn't be happier that they didn't have to sell.
It is true that some homeowners simply don't have the time or patience to tackle this task on their own and would prefer to pay someone else to take on the responsibility. There ARE good people offering Note Modification services for a fee but it can be difficult to sort the good from the bad. The California Department of Real Estate has issued a Consumer Alert regarding Loan Modification Services which offers some good tips for evaluating the service providers.
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.