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Eleanor Thorne
Works at NC Mortgage Experts
Lives in Cary, NC
3,732 followers|372,356 views
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Eleanor Thorne

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Do the Commissions paid by a home Seller directly affect the amount of marketing done on a home??  #realestate  
Whether you are a seller or a buyer, be aware of the commission split issue. If you are a seller and tempted to lowball the buyer-side agent commission, be aware that your house might not be shown as much. If you are a buyer looking at what’s available with the help of an agent with whom you have no written agreement, consider nailing down compensation in advance with a formal agreement.
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Eleanor Thorne

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No Down Payment To Buy A House

You don't have to be a First Time Home Buyer to use the USDA Home Loan Program - however, many of the home buyers we see using the program are just that.  

Down Payment is often considered the biggest factor in keeping Millennials out of the home buying market, and that's one reason USDA Loans are so popular!

#USDALoans    #firsttimehomebuyer  
USDA Home Loans For First Time Home Buyers, No Down Payment, Decent Credit Required, Mortgage Tax Credit available, Student Loan Payment documentation different, .
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Eleanor Thorne

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In the #RealEstate  business we are constantly in need of an easier way to show market data that is meaningful.  Here are some tips for creating better Infographics 
Are you using infographics in your marketing strategy? Would you like some tips for creating successful infographics? Infographics are all the rage now...
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Eleanor Thorne

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Janet Yellen made clear this week that she is concerned that markets have too easily shrugged off a rate hike and the turmoil it could bring to markets. #Economics #MortgageRates  

Read more: http://www.businessinsider.com/afp-economy-markets-test-patience-of-fed-chief-yellen-2015-5#ixzz3ZqVbhOVM
Janet Yellen could be losing patience. And that...
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+Eleanor Thorne sounds like we are to expect some more increases? She does realize that money is still incredibly cheap.. right? 
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Eleanor Thorne

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 This is interesting #REALESTATE  
Canadians sell-up in Florida
House price increases in Florida and the weak Canadian dollar mean that ‘snowbird’ owners from north of the border are cashing in their investments. Those who bought when prices were in a slump and the greenback was weaker are viewing now as the ideal time to sell. Simon Plump, head of Currencies Direct exchange told the Orlando Sentinel that he is seeing a “big shift” in Canadians selling their vacation homes and realtors in the area are reporting a similar trend. 
Wells Fargo boss forecasts improving housing, mortgage market… Oil prices fail to dent demand in Houston’s hot housing market… Renters using half their household income for housing… Canadians sell- ...
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Eleanor Thorne

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First Time Home Buyers are having a tough time getting contracts accepted - especially if they are NOT using a Realtor!  In today';s competitive market, it's more important than ever to use a qualified Real Estate Agent to help you buy a house!   #FirstTimeHomeBuyers  
 
Want to buy a house, but not sure how to go about making that happen? We can help! #FirstTimeHomeBuyer http://ncfhaexpert.com/first-time-homebuyer/first-time-home-buyer-purchasing-plan/
First Time Home Buyer Tips - when do you start looking for a home - how much will you need? First Time Home Buyer Programs available in NC
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Help needed. 
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Eleanor Thorne

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Student Loan Debt Will Be Treated Differently When You Apply For A Mortgage Starting 9/14/15

You will need to have a payment established beginning this fall - this will hurt many First Time Home Buyers who are trying to buy a house #studentloans   #MortgageRequirements  
Mortgage Approval With Deferred Student Loans, Important to Know what type of Student Loans you have, IBR Deferred Student Loans treated differently
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Eleanor Thorne

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USDA Rural Housing Loan Underwriters Announced Delays

Apparently they did a computer system upgrade over the weekend, and they can access the system to send out approvals... this will cause more delays.
USDA Rural Housing Loan NC Requirements minimum credit scores for USDA loans 620, USDA Eligibility Maps in NC for rural housing in all counties
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Eleanor Thorne

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Have you taken more than 10 minutes to understand the changes coming from #TRID   - it will dramatically change the way we close mortgage loans beginning in August.*  

This video is a year old - there are others that are shorter, but this goes into a pretty deep level of detail.   #ImANerd  
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Eleanor Thorne

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HJave you looked at your sites yet?  Pretty dang cool!  #GOOGLEANALYTICS  
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Eleanor Thorne

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If you were there - you'll know what this "source" is talking about...

"From  *American Mortgage Conference in Raleigh, North Carolina last week*  and this source doesn’t mince words. This source takes the highly contested position that credit is too tight.

Peel back the usual layers of rah-rah-go housing optimism, and there was one big takeaway if you read between the lines, the source says:

 “The system is sick.”

The source quotes Federal Housing Administration principal deputy assistant secretary Ed Golding, who told conference goers that an estimated 1.2 million borrowers are "missing" from the market, many of whom are black, young, or have imperfect credit.

So in this climate who is getting loans? Well, people like the folks at the conference talking about all this.

"The well-heeled wealthy borrower has all the options in the world," Golding said. Meanwhile, prices are getting further out of reach."

#AffordableHousing  
With 1.2 million buyers missing from the marketplace, something is wrong. But where is the real problem? Also, the interest rate and mortgage bond outlook, home prices, industry confidence and more.
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Eleanor Thorne

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We are seeing low appraisals in many parts of North Carolina.  There are different theories about what is causing it - but we think, especially in the First Time Home Buyer Price Range - it's due to the fact that we are in a Seller's Market.  As such, Sellers are asking for above list price for their home (and getting it) and then Buyers are asking for a slightly higher price to cover closing costs. It's the last step, the Seller Paid Closing costs, with an already inflated sales price, that's causing major headaches.
#Lowappraisals   #Sellerpaidclosingcosts  
Seller Paid Closing costs are quickly becoming a thing of the past with low appraisals and higher closing costs charged from Fannie Mae in 2015
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3,732 people
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Places
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Currently
Cary, NC
Previously
ALL over North Carolina! - Wilmington, NC - Charlotte, NC - Durham, NC - Wrightsville Beach, NC - Cary, NC - Raleigh, NC
Contact Information
Work
Address
111 Corning Rd, Suite 230 Cary, NC 27518
Apps with Google+ Sign-in
Story
Tagline
Fun Loving Web Evangelist + Part of Dynamic Mortgage Lender Team
Introduction
Mortgage Lender + USDA Home Loan Expert + First Time Home Buyer Programs + Real Estate Social Media Website Consultant + Boomer Who Undertsands Technology

I work in the Mortgage Lending business with my husband, +Stephen L Thorne.   We were named one of the Top Origination Teams in the State (by the NC Association of Mortgage Professionals, and Mortgage Originator Magazine. 

As entrepreneurs, one of our mortgage companies received the coveted Triangle Fast 50 Awards by The Triangle Business Journal three years in a row!.

As a Mortgage Origination Team, we specialize in FHA Mortgage Loans, Veteran Home Loans, and we probably do more USDA Home Loans than anyone else in the State of NC.  In addition to this, we offer the Best Mortgage Interest Rates for all programs, including Conventional/Jumbo mortgages. 

We have over 20 years of experience as Mortgage Loan Professionals in Cary, NC and enjoy working with First Time Homebuyers, as well as folks who are Refinancing! 

We recently finished Dave Ramsey's Financial Peace University, and love sharing his principals of soundly building wealth with our mortgage customers!

I am a Boomer - and I've spent over 6 years learning the "language" of Social Media, Websites and SEO.  Because of that - I teach many fellow Boomers the language - and I work with Real Estate Agents to gain better exposure for their Real Estate Practice!
Bragging rights
Best Boomer New Idea Thinker-Upper Ever
Work
Occupation
Marketeeer! Mortgage Lender Team!
Skills
I have the ability to make Complex things simple to Understand... Mortgage, Technology, Parenthood (Wait! Maybe not Parenthood!)
Employment
  • NC Mortgage Experts
    Business Development Officer, present
    NC Mortgage Experts with TONS of experience helping first time home buyers in NC buy their Dream Home! You will find more information on our site, www.ncfhaexpert.com; or you can connect with us here, on Facebook or Twitter. I work with my husband, Steve Thorne, Mortgage Loan Originator #60596
  • National Mortgage Access
    Owner
Basic Information
Gender
Female
Other names
Warren
Eleanor Thorne's +1's are the things they like, agree with, or want to recommend.
ActiveRain Real Estate Network
activerain.trulia.com

ActiveRain is an online community of real estate professionals who exchange best practices, write real estate blogs, and get free education

2015 Professional Builder 40 Under 40 Awards
www.probuilder.com

This year’s young superstars of home building, named as 40 Under 40 winners by the editors of Professional Builder, have already achieved in

7 Lessons Learned From 7 Years in SEO - State of Digital
www.stateofdigital.com

The search industry moves very quickly - many things change but much stays the same too. Jo Turnbull tells about her 7 years in SEO and what

Google: The Google Update Was Not Panda Or Penguin
www.seroundtable.com

Yesterday we covered that Google seems to have done a major update the other day and Google actually responded to us saying

7.3 million boomerang home buyers hit the market
www.mpamag.com

The first wave of homeowners who lost their home to foreclosure or short sale during the foreclosure crisis are now past the seven-year wind

14 Recent Changes Social Media Marketers Need to Know
blog.bufferapp.com

Here are 14 of the most recent changes to Facebook, Twitter, Pinterest, LinkedIn, Google+ and Instagram that social media marketers can bene

Rep. Tom Murry falsely claims endorsement from N.C. educators' group
www.indyweek.com

Fake endorsement cards are being distributed at multiple Wake County precicnts

Nearly 1 million homeowners return to positive equity
www.mpamag.com

A new study shows borrower equity has increased by $1 trillion, providing a positive outlook for the housing market

5 Ways to Help Your Tenants Transition to the Neighborhood // Landlordology
www.landlordology.com

Resources for Landlords. Learn how to successfully manage your rental properties, build wealth, and keep your tenants happy.

Report: Congested Triangle roads costing drivers thousands of dollars - ...
www.bizjournals.com

A report released Tuesday morning by TRIP, a national transportation research group based in Washington, D.C., finds that the average Raleig

Cure writer's block with a photowalk - Christopher S. Penn : Awaken Your...
www.christopherspenn.com

Got writer’s block around a particular topic or blog post? There are dozens of different ways you can break writer’s block (some of which ar

Study Finds Small Banks “Deeply Affected” by Dodd-Frank | CFPB Monitor
www.cfpbmonitor.com

The Mercatus Center at George Mason University recently published the results of a study of the effects of Dodd-Frank on small banks, define

FHA Quality-Assurance Plan Assures Fewer Loans Get Made: Lenders
www.nationalmortgagenews.com

The increased scrutiny, mortgage bankers complain, would end recent attempts to provide home loans to borrowers with weaker credit, somethin

F.O.R.D-Have you done it lately with your past clients and prospects
activerain.com

F.O.R.D-Have you done it lately with your past clients and prospects. I just texted one of my fellow real estate agents/friend who is in the

I've been a patient of Dunn for 5 months, after having multiple strokes. They are POSITIVE, and helpful. They always leave you feeling like you are making progress. They listen, evaluate, and help you find solutions that work within your schedule. I highly recommend them, and Laura Suter, who is my personal favorite! #PhysicalTherapy
Public - 8 months ago
reviewed 8 months ago
The Shiracha sauce is good - but HOT! :)
Public - a year ago
reviewed a year ago
This is a great park. Fishing; trails; ballparks and playground.
Public - a year ago
reviewed a year ago
We've done several transactions with Raleigh Cary Realty and found them to be very professional an knowledgeable about the market. We recommend them!
Public - a year ago
reviewed a year ago
10 reviews
Map
Map
Map
I do not recommend this Salon. We had a miserable experience with disastrous color treatment that even the owner said was, "too intense." After going back a second time, they suggested maybe adding "streaks" to fix it. Ended up paying another Aveda Salon for Color Correction. I would not go to this Salon for ANY color treatment.
Public - a year ago
reviewed a year ago
Many mortgage companies are not offering USDA Home Loans. We still have USDA Rural Development loans available. 100% no money down loans at a fixed rate with no PMI. We also do FHA and VA mortgage loans. We offer refinances, streamline FHA and VA loans. First Time Home Buyer programs, and credit repair counseling. We help many people who have high to mid 500 credit scores raise those credit scores so that they can purchase a home. This normally takes about 60 to 90 days, and all fees for credit analysis, credit reports and rapid rescores are credited back to you at closing. If you have a bankruptcy or foreclosure in your past call us. We can help you take the steps toward purchasing another home!
• • •
Public - a year ago
reviewed a year ago
It's so great to work with Web Design (and "execution") folks who understand Real Estate. Too often, I see agents and Brokerages working with a WebTeam that understand good web design, but they don't understand how that translates to Real Estate. These guys get it.
Public - 2 years ago
reviewed 2 years ago