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My 10-in-1 Content Creation Strategy | Katonah Real Estate
Content creation calendars and schedules are the bane of most serious bloggers’ and content managers’ lives, depending on which side of the creative block you’re on.
I straddled this fine line on many occasions until my Eureka moment. Having amalgamated my home radio and video studios I realised that I could double up on content creation with my business-consultant partner, a content reservoir of genius proportions.
Soon we had discovered a 3-in-1, then a 6-in-1, and finally a 10-in-1 content creation strategy.
When I say “radio and video studio” (actually my third bedroom), be assured it’s not exactly state of the art, although I have slowly acquired suitable equipment and created a workable dual studio.
In saying this, anyone with a computer, some sort of USB audio interface/mixer, a reasonable microphone and digital video camera or DSLR can achieve the same results. In this article I assume you are familiar with your gear so I’m not going to go into any detail on how to use each piece of equipment in the process.
Time costs!
One of the most valuable, and rarest assets of a successful business consultant is time. To maximise the genius of my partner, when time is in such short supply, is a hectic operation usually resulting in a minimal flow of great content. This is where my Eureka moment has paid incredible dividends and saved many hours in the generation of multiple pieces of content at once.
Because we use a joint audio and video, green-screen studio, when we sit down and record a session, we create both an audio and a video recording simultaneously. The following ten points outline the quality content that we create from each five-minute recording session.
We now have this down to such a fine art that we can do six, five-minute recordings in 40 minutes. For me as the content creator, this is heaven, as it enables me to work in my genius. (A little side note here: your genius is simply working in your passion and talent, and I believe you need to be doing this for 80% of your working time.)
How it works
So, it all starts with one content creation session—just one!—where we have learned to maximise both time and genius. Of course there is preparation required to make the session go smoothly, and a good knowledge of your field of expertise is essential, but once we’re in studio, this is how the magic happens.
- The primary piece of content is a video for uploading to our YouTube channel and if we choose, we upload it to iTunes as a video podcast. We also embed the same video on our blog at MurrayKilgour.com. A well-prepared, quality video is the basis for this whole process. We use either a script or a series of bullet points to make the recording. I personally enjoy using a script with a DIY teleprompter, because of my radio background. Cheesycam.com is an awesome resource for DIY ideas and equipment—a lot of it DIY or reasonably priced new gear.
- The recorded audio track becomes a podcast which is embedded on our blog, and most often is uploaded to our Living on Purpose iTunes podcast channel as well. There are many other podcast sites to upload to, but we choose just iTunes. If you are unable to create video, the podcast can become the audio for a Slideshare video presentation, so give the audio the same good preparation as you would a video.
- We send the mp3 audio recording to a transcription contractor hired through eLance.com for transcription at $2 per recording. From this transcript, we create a blog post for our site, a guest post for another website, or an article for a site like ezinearticles.com. This invaluable piece of text is also used as a caption or transcript with our videos on Youtube for SEO purposes. Because it’s accurate, we gain the additional traction of having hearing-disabled people able to enjoy your video using the Youtube subtitles feature.
- The video we have created, if it’s not placed on our YouTube channel, can now form part of a multi-part video ecourse. We use an Aweber autoresponder to give this away for free and gain subscribers to our blog, but it can be monetized in the form of a paid video ecourse. You can determine the value or purpose of the content here.
- We again take the transcribed text and repurpose it into a ten-part ecourse delivered in the same way as the video ecourse: as a bonus for signing up as a subscriber to the blog. This method has been extremely successful—we’ve signed up thousands of subscribers to our blog this way.
- The transcribed text now adds real value when it is compiled into a section or chapter of an ebook to be used as a giveaway or sold on the blog as a free download. This is where the value of the method comes in, because many bloggers battle to get into writing an ebook. We edited, added and modified a lot of the text to create an ebook, but what this method did was give us a great quantity of raw material to work with. We had created more than 140 podcasts by the time we woke to the fact that we could compile a quality ebook using that material.
- I am in the fortunate position of being a breakfast show producer for a local radio station, so the podcast becomes a regular slot on our community radio station, Radio CCFm, which has 250 000 listeners. But before you say this is a privileged position, I can assure you that, as a producer, I can say most local radio stations are always looking for quality content, especially if it is free. So short podcasts with a good intro and outro may become a regular feature on radio stations and give good traffic to a website.
- With the advent of HD video DSLRs it is possible to produce high-quality video footage for TV programs. We repurpose our five-minute content creation session again in the form of a short TV program for a local community TV station, Cape Town Television. If it’s quality content and free, TV stations will take your show—especially if it’s relevant to their viewers.
- When we repurpose the transcribed text into an ebook, the audio becomes part of an audio book. You might say that this is pushing it, but I use the audio as a companion free audio book to the photography ebook I sell on my website. It’s a bonus for the buyer and for me, because I didn’t have to do anything extra to create it.
- Finally, blog posts, audio, and video make an amazing weekly or monthly newsletter. I do this using Aweber templates, which are free with the subscription. We try to do it on a two-weekly basis, as we don’t always have enough content for weekly mailings. It works perfectly for a monthly newsletter and I would advise this when you’re starting out. The amount of content you generate will determine the frequency.
Ten points sounds good, and I thought that adding an eleventh point might be a bit much, but here’s a bonus idea. What we’ve done is created a boxed DVD set for offline and online sales as training modules. Not all people are excited about online, and some like a physical product in their hands. In our business we use all of the above content in its different forms as part of a DVD boxed series for sale to our coaching clients. They love it and we love it—especially the time it takes to create!
Unlimited content
There are no limits to how you can use your content if you begin with the end in mind, but the emphasis must be on quality content. When you sit down in front of the camera and microphone, think “end product,” and design your process to get the most out of the content creation session. I’m sure that most people can easily create seven of these ten pieces of content out of just one five-, ten-, or even 30-minute recording session.
So, think big in your content creation, begin with the end in mind, and maximize your time and effort to produce content that will attract the best traffic and convert those people into buyers. Your success will result from the quality of content you produce. So give it your best!
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3 Core Link Baiting Strategies for 2013 | Katonah NY Real Estate
The search engines are always changing, but link baiting strategies never die. Here are the three core elements of an effective link bait campaign, which will only be more vital in the year ahead:
1. Understand Shareability
A link is, fundamentally, really just a social share from somebody who happens to run a website. While the platform (HTML) is different, the psychological forces in play are the same. Content that goes viral on social networks will tend to attract links as well.
And, if you pay attention to social networks, you’ll notice that there are definite patterns. Most viral content has at least one of the following attributes:
It’s opinionated
The popularity of conspiracy theories on the Internet is perhaps one of the best examples of how bold opinions attract attention and propagate rapidly. A strong stance can alienate you from a large portion of your potential audience, but it can also expand your existing reach and strengthen your following. It’s probably best to stick to values you actually believe in, of course, to avoid a PR disaster at some point down the road.
It’s funny
The humor site Cracked currently has over 2.3 million Facebook likes and a Domain Authority of 88. They have accomplished this simply by collecting interesting facts and making them hilarious.
It’s insider information
The Wall Street Journal linked to WordStream, an online ad-consulting firm, because they published their own proprietary data about Google. The original source of new information tends to attract more links than the site that re-purposes it, unless they are extremely good at re-purposing content, or already have a larger following.
It’s cute
Cats rule the internet, and according to this article on the science of Internet cats, this is largely because they’re cute and vulnerable. Cute pictures and videos of babies and dogs also abound on the Web. There’s something about cuteness that demands to be shared.
It’s bizarre and quirky
Gawker hired Neetzan Zimmerman to produce the viral content that, as Gawker’s primary editor said, “for the sake of the other writers, [is] a necessary cog.” Zimmerman, who created The Daily What, says “When something goes viral, it tends to be something that is not expected to go viral.” Headlines like “This Pizza Has a Crust Made Out of Cheeseburgers,” and “Dead And Buried Hamster Emerges From Grave Alive And Well And Hungry For Brains,” tend to go viral more than what would traditionally be called “headline news.”
As Zimmerman said, A “taxidermied cat being that’s been turned into a helicopter—that’s clearly going to be successful, right? Because it’s got that element of shock, it’s got that element of a cat, you know, it’s basically just tailored to the Internet.”
It should hopefully be obvious from all of this that shareability is only one component of success. A piece of content that’s designed only to go viral is also likely to be poorly branded, irrelevant, and unlikely to lead to conversions down the road. For some more examples of successful link bait campaigns, we recommend taking a look at these 10 examples from WebPageFX.
2. Brainstorm Frequently
What should also be obvious from all of the above is that linkbait demands originality in some form. If the information isn’t new, the presentation must be. If the topic is “boring,” it takes creativity to transform it into something bizarre, quirky, or hilarious.
And while “cuteness” doesn’t necessarily demand creativity, if you keep pushing that button too often, it’s going to be seen as obvious pandering. Besides, it will still take creativity to transform a branding message into something even remotely cute.
Here are a few brainstorming tips to help you launch a successful link bait campaign:
Small groups are best
Put too many people in a brainstorming meeting and most of them won’t contribute. Groups of three to five are better for group brainstorming. In larger groups, people forget their ideas before they’re called on, and it’s difficult to get into a productive rhythm.
Individual brainstorming is a must
Some of the brainstorming should be done by individuals brainstorming alone. Many psychological experiments on the subject have demonstrated individual brainstorming sessions result in more ideas. Group brainstorming is a necessity in order make sure ideas are aligned with business goals and long-term strategy, but individual brainstorming is an important component that shouldn’t be ignored.
Try “brainwriting” instead of brainstorming
Studies have shown that this technique beats the pants off of traditional brainstorming. The process is simple. For three minutes, everybody writes at least three ideas. Then they pass their sheet to the left, read the previous ideas, and again record as many ideas as they can for three minutes. Keep doing this for either a set amount of time or until the group feels its ideas are exhausted.
Write it all down
Whether you’re brainstorming alone or in a group, write down every single idea. As we mentioned over at ProBlogger, psychology suggests that we reject creative ideas, even when we think we want them, and rationalize this by telling ourselves the idea wasn’t creative. Do not reject any idea that comes to mind. There’s plenty of time to weed through the list later.
Encourage constructive debate
This probably goes against everything you’ve ever heard about brainstorming, but the science is clear. Debate has a positive effect on brainstorming. While you should definitely record every single idea, debates paradoxically make people feel more liberated, and more comfortable sharing minority viewpoints. This allows more ideas to make their way into the discussion. Don’t get carried away with this, of course.
Mix ideas
If there is only one thing you should take away from all of this, it’s that mixing and matching ideas together is the best way to come up with new ideas. Don’t confine yourself entirely to your niche: Pull in ideas, concepts, facts, and stories from other disciplines in order to spice things up and draw analogies with your own subject matter.
Clearly, some of these tips contradict each other (debate vs. brainwriting vs. working alone, for example). Use more than one brainstorming method and measure the results. You may find that some techniques work better than others, or you may find that you need many different types of brainstorming in order to achieve the right variety of ideas.
3. Find Effective Sources of Information
Sometimes research comes before brainstorming, and sometimes it comes afterward. Both methods work fine, but result in different kinds of posts.
When the research comes first, it provides the raw material to combine and mash up into a unique idea. The advantage here is that you already have some idea of what facts and elements are going to go into the post. The disadvantage is that your ideas will be somewhat confined by the body of knowledge you’ve researched.
When the ideas come first, it forces you to stretch in your research and pull information from more unique sources. This can result in more unique ideas. The downside, however, is that you may discover the facts contradict your original idea, and that making your idea work would simply stretch things too far.
Hopefully, it’s clear that you need both kinds of posts, and that it’s actually a good idea to do some research both before and after brainstorming in most cases.
As we said before, “insider information” is far more likely to go viral than a redundant article. You can’t always be the next Bob Woodward, but you can get your information from places most people aren’t willing to look:
Google Scholar
Peer reviewed articles and scholarly papers aren’t easy to read, but that’s precisely what makes them so useful as a source of information. There’s a lot of information contained in these texts that has never made it’s way into the blogosphere, and most of it is only “boring” because it’s presented in a very technical way. Pull out the most surprising facts and the key takeaways and you’ve got yourself some “insider” information, of a sort.
Your Client
This isn’t the first time we’ve mentioned how useful your client can be as a source of information, and it won’t be the last. Odds are your client has a proprietary database of some kind. If you can, take advantage of it as a source of raw data.
Industry Experts (and People in General)
Get in touch with experts in your niche. The well known ones can help with exposure, and the less well known source can also offer some “from the front lines” information that you can’t find anywhere else. Watch the nightly news and notice how even an interview with a random person on the street can help a bit with credibility. There’s no reason to limit sources of information to your own research. Mine people for ideas, opinions, and information. Be a journalist.
The Library
Yes, it still exists. Believe it or not, this is also a great place to look if you want to find information that’s never made it’s way online. Yes, this still happens sometimes!
Anything That Could be Considered “Raw Data”
Whether it’s government statistics or an industry survey, raw data that’s never been turned into an article or blog post is one of your most useful “insider sources.”
Other Disciplines
We might be repeating ourselves a bit by saying this, but we can’t emphasize it enough. While the other research strategies demand looking through dense material, this one allows you to skim lighter blog posts and news articles and use them as insights for your own field. This makes the research part easier, but the creative part becomes more involved. This is the tradeoff.
Conclusion
To produce linkbait, you need to “get” the Internet, and understand why things go viral. It takes a comprehensive brainstorming strategy and a keen understanding of where to find original data in order to pull this off. The sweet spot between these three strategies is the launching pad for your most successful link bait campaign.
Did you learn anything new from this post, and do you have something to add? Let’s keep this going in the comments, and please pass this along if you liked our contribution. Thanks!
Image Credit: Shutterstock / Melpomene
Tips for Gen X and Gen Y Home Buyers | Katonah Realtor
According to a recent survey, people who belong to the Generation X and Generation Y demographics haven’t been deterred by the housing market downturn at all.
A Better Homes and Gardens Real Estate survey found that 75 percent of Gen X and Y respondents believe owning a home is a key indicator of success; 69 percent said the recent housing downturn made them more knowledgeable about homeownership than their parents were at their age.
And it turns out that Gen X-ers and Y-ers are more motivated than some older generations give them credit for. The survey revealed that Gen X-ers and Gen Y-ers are willing to take second jobs (40 percent said they would) or move in with their parents (23 percent) in order to buy into the American Dream of owning a home.
The real estate market during the past five years was certainly scary, especially for younger and less experienced home buyers. And so, a lot of people in Gen X and Gen Y sat on the sidelines. But the market has definitely bounced back, and many believe that now is a great time to buy. You just have to be savvy about it.
Here are five tips to help Gen X-ers and Gen Y-ers buy into the American Dream.
Have a five-year plan
Unlike the boom years, don’t assume a home purchased today will appreciate in value within five years. If you’re unsure about your five-year plans, it’s better to rent.
Use technology creatively
It’s well-documented that Gen X-ers and Gen Y-ers start their home search online. Real estate listings sites, mortgage calculators and valuation tools such as Zillow’s Zestimate® home value are typically places a buyer starts. But, once you’re in the market, there are tons of online resources. Less obvious tools, such as Google Street View, can help, too. It once helped a client realize that the home she wanted to buy in San Francisco’s Hayes Valley neighborhood may not be as safe as she thought. Google Street View revealed that there were previously bars on the windows of the ground-floor apartment.
Beware of information overload
Using the Internet and apps, home buyers today have an unprecedented amount of data available. Sometimes, however, it’s too much and can cause the buyer to shoot themselves in the foot. For example, a buyer might learn that the seller stands to make a 10 percent profit in a short amount of time. Even though the profit is in line with current market values, that information might cause the buyer to make a low offer and kick themselves a month later for missing out on a great house.
Don’t assume you don’t need a real estate agent
Because so much information is online, many Gen X-ers and Gen Y-ers might think they can buy a home on their own. However, the role of the agent is no longer about finding the listings. It’s about presenting the offer and getting it accepted, getting through inspections and getting the deal done. A real estate transaction can go 50 different ways now. A good agent will steer a buyer on the right path. A savvy agent will know the ins and outs of any local market better than an uninformed buyer with a full-time job and family. It’s their business to be in the know, and it’s what they do all day long. Experienced agents will have a strong network in the local market that can give you the added edge. Good agents like to work with other good agents. Finally, keep in mind that a listing agent might not even consider working with an unrepresented buyer.
Look for opportunities to increase the home’s value
Baby boomers and preceding generations could more or less count on staying in their homes for many years and, in turn, their homes’ steady increase in value over time. After the market downturn, however, that’s not the case. Because they’re so mobile, Gen X-ers and Gen Y-ers in particular should steer clear of buying the best home on the best block. Instead, look for ways to add value. Look at homes that don’t show well, are marketed poorly or are outdated. Don’t be afraid of doing light remodeling or making smart improvements that will add value. If you have to sell your home sooner than you’d planned, you’re covered.
How to Use Instagram & Boost Your Business | Katonah NY Realtor
Facebook has done its best to keep a strangle hold on the landscape of social media with its acquisition of Instagram. And after paying $1 billion for it, you can bet they are going to squeeze pretty hard. Instagram champions the idea that we can communicate through the use of images and, like all social media, can be used to help build a brand and business. But how?!
Image: by Johnnymip
Social media is a useful marketing tool generally with its ability to put a company in close proximity with their target audience. And the best part about it is you don’t actually have to be in any kind of physical proximity to them.
You can respond to your customers all over the globe immediately or guide a conversation to gauge opinion amongst them. You might even feel inclined to upload a picture of Joe from the warehouse. Well, with social media you can.
What’s really great about social media is that you can do all this whilst cowering behind a desk. Or sitting on the toilet!
But what should you do specifically to help your business with Instagram?
Your Shop Window
You should think of any social media profile page like a shop window. What make’s Instagram so good as a marketing tool is that you can do much more decorating. You can showcase your brand with recent images and use colour to create an inviting atmosphere. Remember: Pictures are evocative so try and make sure you have some good ones!
An attractive woman could be wearing your range of clothing? Using Instagram is a lot cheaper than hiring models too! Image: by Love Meagan
The new profiles on Instagram feature a rotating display of recently shared photographs just above your profile and bio – so make sure you are updating it often.
However, keep looking at your profile and ask: does this best represent my brand? There is no point taking photos of snowboarders if your company sells office supplies or paper gifts!
NB: Don’t just upload pictures of Joe from the warehouse. He’s not really very photogenic.
Follow, Follow, Follow
Instagram is the same as other social media platforms – you need followers. If a tree falls in the woods, does it…
Anyway – you get the idea.
Compelling images drive traffic on Instagram. These are the ones that capture a person’s attention and generate excitement. For instance the music magazine Billboard recently did a ‘Day in the Life’ feature and took photos of One Direction backstage. While we understand you might not have and the world’s biggest boy band at your disposal, I’m sure you can do better than taking a picture of the view from the office.
Image: by PhilCampbell
If your company sells a product, why not get some inspirational shots of people using that product? Just make sure they at least look like they’re enjoying it and don’t forget to share!
Set Up a Honey Trap
You can use Twitter and Facebook to lure people onto your Instagram. Facebook obviously has a vested interest in joining the two, but it is now easier than ever to hook up your Twitter, as Instagram @ mentions now translate to it. What’s more, it doesn’t matter if someone has a different @username on Twitter because Instagram will link the two up either way.
It is important to reward people who follow your Instagram page. Ask individual questions and comment on other peoples photographs – if you want people to invest time in you, then you need to do the same to them.
InstaMeets & Competitions
General Electric (GE) recently ran an Instagram campaign and showed their followers the inner workings of the company, taking people right to the heart of their research labs, factory floors and places where their products could be seen in action. They also challenged their followers to take photos of the company’s four ways of working – Building, Powering, Moving and Curing – and asked them to send in their own images that best described those terms. The person who sent in the best image was then offered the position of the official GE Instagram photographer.
This multi-layered and effective campaign really boosts business.
Let’s take a look at what is actually going on: by showing people compelling images of the business it gets them excited and asking them to contribute makes the campaign interactive. Finally, incentivising the campaign into a competition makes people really want to get involved.
One final thing to remember is that online social marketing can be used to create an offline social event. Don’t get stuck at your computer. InstaMeets get people in a community to come together and hang out – this can boost business if you think of something fun that really relates to your brand. For example to promote their new show Vegas, CBS held an InstaMeet on the film set in Santa Clara, giving people behind the scenes tours and exclusive access to actors.
Perhaps your company can’t offer something quite so wondrous but why not think of something exciting you can offer? Don’t arrange to meet behind a bike shed though!
Have you used Instagram in any weird and wonderful ways to drum up a bit of business? Let us know!
New mortgage rules could crimp lending | Katonah Real Estate
So what are the rules going to mean for real estate professionals and their clients? Here’s a quick overview of a few issues of concern. Start with the potential impacts on underwriting during 2013, well before they officially take effect next January.
Will lenders finally begin loosening up a little? After all, since 2010 they’ve been telling us that one of the key reasons for their ultra-strict underwriting is the “regulatory uncertainty” flowing out of the Dodd-Frank financial reform legislation — the risk that federal agencies will impose new mortgage rules that open banks up to costly lawsuits by defaulting consumers.
Well, now they’ve got their once-feared regulation, and it creates a broad “safe harbor” that essentially shields them from such litigation nightmares if they simply follow the guidelines. Will they loosen up?
The day the QM rules were released, I asked David Stevens — chairman and president of the Mortgage Bankers Association, former FHA commissioner and former head of Long & Foster Real Estate, the largest independent realty brokerage in the U.S. — that very question.
Stevens could not have been more emphatic: ” I completely disagree” that the QM rules will ease any standards, he said. And in fact, “I think on the margins, things will be a tad tighter.”
What? Why tighter? Just about all lenders already follow the QM basics — full documentation of applicant’s income, assets, employment, credit history — so why would lenders even think about getting more restrictive?
Because, said Stevens, the rules also create new quality control requirements for lenders that add to costs, as well potentially severe financial risks if they make a mistake and approve a loan outside the QM parameters for safe harbor treatment.
Plus the Dodd-Frank law limits total points and fees for qualified mortgages at 3 percent of the loan amount, including fees paid both by the borrower and lenders to loan officers. That could negatively impact large lenders, home builders and realty brokerages who use affiliated companies for certain loan-related services — title, settlement, appraisal among others. Now, they’ll somehow have to cram originator/ broker compensation and the affiliates’ fees into deals to pass the 3 percent test — if they can.
Though the CFPB says it’s open to suggestions on how to handle computation of the 3 percent cap, the entire issue is troubling to wholesale lenders and big banks that own highly-profitable affiliates. It does nothing to encourage them to loosen up on anything. To the contrary, under current practices, they don’t have to worry about this stuff at all.
So expect no underwriting favors for your buyers this year. Lenders aren’t in the mood.
Also worrisome, according to Stevens, is the rule’s treatment of jumbo mortgages, which are crucial financing tools for buyers in higher-cost market such as California, Hawaii, metropolitan Washington D.C., New York and parts of New England.
Under the CFPB regulations, to achieve QM safe harbor protection, a loan generally must not have a “back end” total debt-to-income (DTI) ratio in excess of 43 percent. Stevens estimates that 22 percent to 25 percent of all jumbos — loans that exceed the Fannie Mae-Freddie Mac conventional loan limits — have DTIs beyond that cap, and many others come with interest-only payment terms to limit borrowers’ monthly outlays.
But the Dodd-Frank law, and the new rules, prohibit interest-only features in loans that get the QM stamp of approval. Since the jumbo market lacks the strong secondary market support of Fannie, Freddie and Ginnie Mae, lenders are expected to avoid all non-QM loans. As a result, buyers in upper-cost areas can expect worse treatment looking ahead: Even larger down payments and much more rigorous underwriting scrutiny.
Already, California’s U.S. senators, Barbara Boxer and Dianne Feinstein, have written to the CFPB warning that its rule, at least in current form, “would have a disproportionate impact on California and other high cost states, potentially limiting access to affordable credit even more.” They asked CFPB director Richard Cordray to review the jumbo situation and try to lighten up on the harsh treatment.
At least for the near future, there will be some flexibility possible for the large numbers of prospective home buyers who cannot meet the mandatory 43 percent DTI test. As long as their loans can get green lights from the automated underwriting systems of Fannie Mae (Desktop Underwriter), Freddie Mac (Loan Prospector), FHA’s “Total” overlay underwriting system or from the VA, they will be eligible for QM status even if their DTI’s exceed the 43 percent limit.
This will continue to be the case for as long as Fannie and Freddie remain in conservatorship — but no longer than seven years — or until FHA and VA adopt their own QM rules.
Since FHA and VA loans frequently have back-end DTIs above 43 percent, this will keep the door open to some, but not all, borrowers who need special considerations on credit defects and other issues in their applications. However, since automated underwriting approval will be required, manual underwriting may no longer get them in the door.
Some other provisions in the rules that could affect your business:
- Seller-financed notes and mortgages, which can provide creative solutions to a wide variety of buyer incapacities, will not be affected by the federal QM regulations at all. There will be no restrictions on the terms, rates or payment features that home sellers can offer purchasers who might not be a candidate for a bank loan. However, sellers who make more than five such notes during the course of a year will not qualify for this exemption.
- Subprime loans in the QM era? Not a chance from major financial institutions. Those folks will either have to find a way to qualify under FHA’s rules — which may be increasingly unlikely since FHA is toughening, not relaxing, credit standards and raising fees — or just not become home buyers at all.
Shanghai Housing Market Posts Huge Sales Spike | Katonah Realtor
California association signs with Rapattoni | Katonah NY Real Estate
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The Nevada County Association of Realtors has signed a multiyear contract with Rapattoni Corp. to use the company’s multiple listing service software and service.
Based in Grass Valley, Calif., the Nevada County Association of Realtors has approximately 640 members, who will join about 200,000 users of Rapattoni’s MLS products nationwide. the company said.
Rapattoni’s Web-based MLS system is compatible with the Internet Explorer and Firefox Web browsers, and can be operated natively on PCs and Mac computers; it also works on most popular tablet devices and has a map-centric, touch-based interface, the company said. Rapattoni plans to release a smartphone version of its mobile interface early this year.
The agreement with Rapattoni will allow the Nevada County Association of Realtors to implement a couple of optional features built into the MLS system. One of these is Secure Logon, which features RSA Adaptive Authentication from information technology company EMC Corp. and is designed to prevent unauthorized MLS access and identify fraud and malware threats.
The other is a real estate statistics tool that generates TrendVision reports powered by Trendgraphix Inc. The reports show current, historical and seasonal trends in real estate pricing, inventory, and days on market, Rapattoni said.
“We are looking forward to the implementation of the Rapattoni MLS and the powerful new tools we are bringing to our members,” said Kathy Hinman, the Nevada County Association of Realtors’ executive officer, in a statement.
The Wilmington Regional Association of Realtors, a local Realtor association in North Carolina that serves about 1,700 members, signed a multiyear contract extension for Rapattoni MLS in December.




A link is, fundamentally, really just a social share from somebody who happens to run a website. While the platform (HTML) is different, the psychological forces in play are the same. Content that goes viral on social networks will tend to attract links as well.



So what are the rules going to mean for real estate professionals and their clients? Here’s a quick overview of a few issues of concern. Start with the potential impacts on underwriting during 2013, well before they officially take effect next January.