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    • Rick

      Members Only Fluid Forum View   08/08/2017

      Fluid forum view allows members only to get right to the meat of this community; the topics. You can toggle between your preferred forum view just below to the left on the main forum entrance. You will see three icons. Try them out and see what you prefer.   Fluid view allows you, if you are a signed up member, to see the newest topic posts in either all forums (select none or all) or in just your favorite forums (select the ones you want to see when you come to Fishing Minnesota). It keeps and in real time with respect to Topic posts and lets YOU SELECT YOUR FAVORITE FORUMS. It can make things fun and easy. This is especially true for less experienced visitors raised on social media. If you, as a members want more specific topics, you can even select a single forum to view. Let us take a look at fluid view in action. We will then break it down and explain how it works in more detail.   The video shows the topic list and the forum filter box. As you can see, it is easy to change the topic list by changing the selected forums. This view replaces the traditional list of categories and forums.   Of course, members only can change the view to better suit your way of browsing.   You will notice a “grid” option. We have moved the grid forum theme setting into the main forum settings. This makes it an option for members only to choose. This screenshot also shows the removal of the forum breadcrumb in fluid view mode. Fluid view remembers your last forum selection so you don’t lose your place when you go back to the listing. The benefit of this feature is easy to see. It removes a potential barrier of entry for members only. It puts the spotlight on topics themselves, and not the hierarchical forum structure. You as a member will enjoy viewing many forums at once and switching between them without leaving the page. We hope that fluid view, the new functionality is an asset that you enjoy .
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fisherdog19

New Loan Programs for those hit with loss of home value

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Under the government's new "Making Home Affordable" initiative, Fannie Mae and Freddie Mac have unveiled programs. These programs are for borrowers that due to loss of home value, could not qualify to refinance and take advantage of the current low rates thus lowering their monthly housing payments. For every $50,000 you have financed, an interest rate reduction of 1% can save you approximately $31 per month, so for those of you with large mortgages the savings can be significant.

This new program allows refinances for homes up to 105% of the homes market value, may or may not require an appraisal, and has no minimum credit score requirement. Another positive is that if you currently don't have mortgage insurance, you will not be required to get it, even if your loan to value is over 80%. A few key qualifications are that your current loan must be owned or backed by Fannie or Freddie, you must be current on your mortgage payments, you cannot get cash out, and you cannot pay off any home equity loans, lines, or second mortgages in the transaction. You must still qualify through the same income, asset, and employment requirements for this program, and there are also rate adjustments for lower credit scores and higher loan to values (you don't need a minimum credit score rememeber).

Some of you out there are in a real tough spot, and saving $125 or even $300 a month can help alot so if anyone out there is wanting to refinance and lower your monthly payments or get out of that ARM you're in, there may be a chance to do it now. Rates are at an all time low with the base rate being 4.75% for a conventional 30 year and 4.5% on an FHA 30 year (rates based on a 30 day lock on 4/29/09, 80% loan to value, 740 credit score, and 1% origination fee), it may be worth it to look into refinancing and save some cash. If you would like to know if you qualify for these new programs, please send me your property address so I can check to see if your current loan is owned or backed by Fannie or Freddie and we can move forward from there. If you are looking into a regular refinance or a purchase, just email me your scenario and I will shoot you some numbers and if I think it may be worth it to you.

Sincerely,

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