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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
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
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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
Homeowners were lent a hand this week by the Obama Administration's newest effort to help families remain in their homes. The "Making Home Affordable" program was created to help as many as 9 million homeowners who want to stay in their homes, but are struggling with their finances.
Homeowners who are having trouble affording their mortgage payments either because of issues such as job loss or because of resetting interest rates may qualify for new, more affordable loans.
Do I qualify?
• You must live in the home.
• You don't already have to be behind on payments.
• The loan balance can't exceed $729,750.
• It's aimed at homeowners who have lost a job, had their payment jump, been hit with higher expenses, owe more than the home is worth or are otherwise at risk of default.
• The loan must have been originated before Jan. 2.
You bought a $200,000 home three years ago with a $190,000 first mortgage and an adjustable rate. Your payment was $1,170 a month. Now it's jumped to $1,530. Your gross monthly income is $3,700. Your monthly payment could be reduced to 31 percent of your gross, or $1,147 a month. Or, if your payment was still $1,170 but your income had dropped to $2,700 a month, your mortgage payment might drop to $837.
What do I do?
Gather pay stubs, last tax return, second mortgage data, and balances and monthly payments on loans and credit cards. Also summarize why your finances are stressed. Then call the company where you make your payments. Deadline is Dec. 31, 2012.
What is it?
Homeowners who haven't been able to refinance because their homes have lost value may now be able to get new loans at today's low fixed rates and get rid of higher fixed- or adjustable-rate loans.
Do I qualify?
• You must live in the home.
• You can't have been 30 days late in the last year.
• Your mortgage can't exceed the current value of your home by more than 5 percent.
• The loan may be serviced by your bank, but it must be held by Fannie Mae or Freddie Mac.
• It's OK if you have a second mortgage in addition to a first mortgage that's 105 percent of the current value.
You bought a $200,000 home three years ago with a $180,000 first mortgage. The balance now would be about $172,000. To refinance today with 20 percent equity, no private mortgage insurance and without an FHA loan, you'd need your home to be worth $215,000. But maybe it's lost 18 percent of its value, so it would be worth $164,000 today. Under this program, you may still be able to refinance at the best rate.
What do I do?
Gather pay stubs, your last tax return, second mortgage data, and balances and monthly payments on loans and credit cards. Then call the company where you make your payments. The deadline is June 2010.
Information is deemed to be accurate but should be verified to your satisfaction. Information provided herein is supplied by several sources and is subject to change without notice. Opinions expressed are solely those of Maureen McCabe.
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.