I am on the board of CFRI, the local chapter of the National REIA and we are non profit and one of the largest REIA's in the country.

Pro: There is still a national housing shortage (but each market will have its own nuances).  

Hi all, I'm planning to get my Real Estate in Massachusetts soon this year and with the National Association of Realtors agreed to dropping the 6% commission rate, is this still a good idea?

I'm on the board of CFRI, the local chapter of the National REIA.

You should check with both the National Flood Insurance program (NFIP) backed by FEMA and the Private Market Flood programs. 

Too many factors go into determining someone's rate, and what you find online will likely just tell you what direction people THINK rates are headed, and national averages. 

I find it rather impersonal, and basically trains new consumers to see agents as just doorpeople, and the advice/transaction is done through a national call center.

Obtaining a refi / cash out for a foreign national is a herculean task.

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Additionally, the national debt is becoming a thing.