What can I do to get more (or better) quotes for my loan request ZR-XQHDDXBI am purchasing a home from my parents and the house is in their name. When they purchased the home almost 6 years ago for a price of $234,500, they paid a 20% down payment, fees and closing costs and I moved in. Since that time, I pay the mortgage, insurance, taxes and all utilities myself and without their or anyone else's financial assistance.We would like to now get the house in my name only by me purchasing the house from them. Zillow estimates the home to worth between $282,555 and $338,445. The balance on the current mortgage loan is $172,000. My parents are willing to sign whatever is needed to gift the equity to me as the down payment - which is approximately $110,000 if you go by the $282,555 estimate, and sell the home to me at a purchase price of $172,000, which is what is owed on the house.I am also eligible for the first time home buyers tax credit so time is of the essence. I do have a lower credit score, but I do pay all bills for this residence, I just don't get the cresdit for it and that would improve my score.So I am looking for someone who understands the situation and what we are trying to do to help me obtain a loan for $172,000 and using the equity as a down payment. My parents are not looking to make money on this purcahse, just to get the house in my name only.I would really appreciate any assistance, help or advise on how to do this.Thanks,SharonApril 15 2010 - New Castle00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.