Zillow Advice RSS: Question,All Real Estate Advice Topics,Enid- OK http://www.zillow.com/advice/Enid-OK/all/question/ Zillow Advice search results | Zillow Real Estate Oklahoma Mortgage Approval, FICO in 600's, Changing Jobs http://www.zillow.com/advice-thread/Oklahoma-Mortgage-Approval-FICO-in-600%27s-Changing-Jobs/571633/ <div>I am hoping that you can help me. My husband recently changed employers and we are needing to relocate 60 miles from where we live in OK. We currently live in a mobile home that has been paid off for nearly five years, so we do not have a rental history. We have had issues with getting a mortgage approved in the past year due to my credit scores, but we have been working hard to bring them up so that we can buy a house. We both have credit monitoring through myFICO.com, and here are our scores reported on the site as of today:<br/><div>Me -&nbsp;<div>Equifax: 620<div>Transunion: 641<div>Experian: 631<br/><div>Husband -&nbsp;<div>Equifax: 646<div>Transunion: 651<div>Experian: 658<br/><div>Our current combined gross income is around $76,000 ($42,000 for me, $34,000 for him), and I plan to make as much or more with my new job. Our monthly debt payments are listed below, with a total of $910 going out:<br/><div>Car: $360<div>Credit Cards: $100<div>Consumer Loans: $450 (Will reduce to $309 within 3-6 months with planned payoff)<br/><div>I also have about $65,000 in student loans that are in deferment until I complete my Master's degree in 2017. We will have around $3500 for a down payment. My main questions are:<br/><div>1. Can we qualify for a mortgage in 3-6 months with these scores? If not, what can we do to get them to where we need to be?<div>2. How should I change jobs while looking for a house? Should I try to qualify for the mortgage before changing jobs, or should I wait until I start working for the new employer to apply?<br/><div>Thanks so much!</div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div><br \><br \>4 replies Thu, 08 Jan 2015 19:34:00 GMT http://www.zillow.com/advice-thread/Oklahoma-Mortgage-Approval-FICO-in-600%27s-Changing-Jobs/571633/ 2015-01-08T19:34:00Z can i get a construction loan with a 693 credit score? http://www.zillow.com/advice-thread/can-i-get-a-construction-loan-with-a-693-credit-score/551543/ we are looking to build in the next few months. my credit score shows a 693 right now, but i know that in november, my score should definently be in the 700-720 range. i was wondering if we are okay to start the process now, or do we need to wait until november?<br \><br \>3 replies Sun, 27 Jul 2014 02:21:00 GMT http://www.zillow.com/advice-thread/can-i-get-a-construction-loan-with-a-693-credit-score/551543/ 2014-07-27T02:21:00Z WHAT IS THE MINIMUM AGE TO B UY A HOUSE? http://www.zillow.com/advice-thread/WHAT-IS-THE-MINIMUM-AGE-TO-B-UY-A-HOUSE/349510/ IM ONLY 18YO AND MY CREDIT SCORE IS 621, 661, AND 684. SO I WAS WONDERING IF THERES ANY WAY A LENDER WOULD CONSIDER MY APPLICATION FOR A HOUSE LOAN.CONSIDERING THAT I WOULD &nbsp;BE A FIST TIME BUYER.<br \><br \>14 replies Wed, 12 May 2010 04:12:00 GMT http://www.zillow.com/advice-thread/WHAT-IS-THE-MINIMUM-AGE-TO-B-UY-A-HOUSE/349510/ 2010-05-12T04:12:00Z Loan on investment property http://www.zillow.com/advice-thread/Loan-on-investment-property/540983/ I own a house free &amp; clear in Okla but live in TX. Do I try for a Heloc or a first mortgage. I rent the house out and when my current renter leaves there is some work I need to do but need to borrow the money from the house in order to do it. There are too many companies out there that I'm confused. I don't even know if it's possible since I don't live in the house, but would like some advice if it is possible... Thanks for any advice....<br \><br \>5 replies Fri, 16 May 2014 01:40:00 GMT http://www.zillow.com/advice-thread/Loan-on-investment-property/540983/ 2014-05-16T01:40:00Z 321 N. 19th Enid, OK http://www.zillow.com/advice-thread/321-N-19th-Enid-OK/533584/ This property shows Pre-foreclosure. Notice Of Lis Pendens dated 4/15/13 Null on 4/15/13. I've contacted the county treasurer and the banc but can't get any info on this property. I'm really interested in purchasing it. How do I find out what the foreclosure status is<br \><br \>0 replies Mon, 24 Mar 2014 17:16:00 GMT http://www.zillow.com/advice-thread/321-N-19th-Enid-OK/533584/ 2014-03-24T17:16:00Z How can I increase my credit score? http://www.zillow.com/advice-thread/How-can-I-increase-my-credit-score/528615/ All I have on my current credit report is student loans and a car payment.<br \><br \>2 replies Sun, 16 Feb 2014 00:27:00 GMT http://www.zillow.com/advice-thread/How-can-I-increase-my-credit-score/528615/ 2014-02-16T00:27:00Z What can I do to get more (or better) quotes for my loan request ZR-YVTSVTT? http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-YVTSVTT/508151/ I am looking at purchasing a home for back taxes.&nbsp; I have approximately 7500 in debt I would like to incorporate into the loan, if possible.&nbsp; Plus another $5,000 to get the home in shape to move in and do the work as I can afford it.&nbsp; My credit score is around 650.&nbsp; I use to have excellent credit but after 20 years married to my ex-husband, I cleaned up his cred and then he could borrow and it brought mine down, unfortunately.&nbsp; We had to file bankruptch in 2000 and the house was forclosed on in 2006 and sold at sheriff's sale in 2008, with the sale covering the mortgages.&nbsp;I will probably get the house for a few thousand dollars or less.&nbsp; I would not have to combined my other debt but it would be nice to have just one payment and not own anyone else.&nbsp; I do have a capital one credit card so you probably have my credit history.&nbsp; I also know that my credit history is not accurate because I have been told it shows an open foreclosure and unpaid balanced on the house, which is not right.<br/><br/>It is in the Waverly District, which is the historic area of Enid.&nbsp; They want it to go to someone who will not tear it down or change the appearance.&nbsp; I would be restoring it to as much as oroginal that I could, starting with the outside first.&nbsp; I would then restore it to it's original inside.&nbsp; I have a friend who is president of the Waverly District who can help me with the restoration.<br/><br/>Can you give me some feedback?<br \><br \>0 replies Thu, 22 Aug 2013 20:52:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-YVTSVTT/508151/ 2013-08-22T20:52:00Z If me and three friends wanted to move up there from texas? How much would we need to get into a dec http://www.zillow.com/advice-thread/If-me-and-three-friends-wanted-to-move-up-there-from-texas-How-much-would-we-need-to-get-into-a-dec/494095/ decent house??<br/><br \><br \>5 replies Mon, 27 May 2013 21:19:00 GMT http://www.zillow.com/advice-thread/If-me-and-three-friends-wanted-to-move-up-there-from-texas-How-much-would-we-need-to-get-into-a-dec/494095/ 2013-05-27T21:19:00Z Can underpricing my home actually make it harder to sell? http://www.zillow.com/advice-thread/Can-underpricing-my-home-actually-make-it-harder-to-sell/488878/ I think my home will appraise around $10-15K more than list price, and other similar homes in town are priced $10-20K more than where I set my price.&nbsp; I thought this would lead to a quick sale, but even though we're getting some traffic buyers are ultimately going with other houses.&nbsp; Is this just coincidence, or is my low price actually hurting my sale?<br \><br \>4 replies Sun, 21 Apr 2013 16:06:00 GMT http://www.zillow.com/advice-thread/Can-underpricing-my-home-actually-make-it-harder-to-sell/488878/ 2013-04-21T16:06:00Z What can I do to get more (or better) quotes for my loan request ZR-WTHTRPZ? http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-WTHTRPZ/473538/ 3 replies Tue, 08 Jan 2013 02:03:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-WTHTRPZ/473538/ 2013-01-08T02:03:00Z Why are litings in Enid, OK so overpiced? These sellers seem a bit delusional. http://www.zillow.com/advice-thread/Why-are-litings-in-Enid-OK-so-overpiced-These-sellers-seem-a-bit-delusional/401743/ 5 replies Fri, 03 Jun 2011 20:03:00 GMT http://www.zillow.com/advice-thread/Why-are-litings-in-Enid-OK-so-overpiced-These-sellers-seem-a-bit-delusional/401743/ 2011-06-03T20:03:00Z OK, what's wrong with the "arrange photo" part of Editing home facts? Even though I have a picture http://www.zillow.com/advice-thread/OK-what%27s-wrong-with-the-arrange-photo-part-of-Editing-home-facts-Even-though-I-have-a-picture/451323/ 0 replies Tue, 17 Jul 2012 04:14:00 GMT http://www.zillow.com/advice-thread/OK-what%27s-wrong-with-the-arrange-photo-part-of-Editing-home-facts-Even-though-I-have-a-picture/451323/ 2012-07-17T04:14:00Z are there not any houses for rent on this site? http://www.zillow.com/advice-thread/are-there-not-any-houses-for-rent-on-this-site/423956/ i just recently moved to enid. i am living with 3 other guys in an apartment.. i have a 2 year old daughter who will be coming down to visit every other weekend. an apartment isn't going to cut it. if any one has a nice 2 or 3 bedroom house for rent please notify me. i want&nbsp;&nbsp;to pay anywhere from 500 to 850 a month. and in a nice neighborhood. if anyone would please get back at me with any information it would be greatly appreciated<br \><br \>0 replies Fri, 25 Nov 2011 20:09:00 GMT http://www.zillow.com/advice-thread/are-there-not-any-houses-for-rent-on-this-site/423956/ 2011-11-25T20:09:00Z I now have 2 listings because I had to claim the listing my realtor had, how do I delete a listing? http://www.zillow.com/advice-thread/I-now-have-2-listings-because-I-had-to-claim-the-listing-my-realtor-had-how-do-I-delete-a-listing/409838/ Actually I have 3 listings now and I would like to use the realtor's listing as it had the furniture in the house and I need to change the price on that listing but it does not give me the option. Please help!<br \><br \>2 replies Mon, 01 Aug 2011 16:56:00 GMT http://www.zillow.com/advice-thread/I-now-have-2-listings-because-I-had-to-claim-the-listing-my-realtor-had-how-do-I-delete-a-listing/409838/ 2011-08-01T16:56:00Z Enid is the place to rent/buy? http://www.zillow.com/advice-thread/Enid-is-the-place-to-rent-buy/396750/ Enid home values and sales have&nbsp;dodged the national trends.&nbsp; It's good to be in Enid!&nbsp; <br/><br/><p>"Since 2002, the average sales price of an existing home in Enid has risen by an average of 6.48 percent per year. The average sales price for an existing home in Enid in 2007 reflects almost a 37 percent increase from the 2002 average sales price for an existing home of $76,122" (Enid Metro Association of Realtors).</p><br \><br \>0 replies Wed, 27 Apr 2011 16:37:00 GMT http://www.zillow.com/advice-thread/Enid-is-the-place-to-rent-buy/396750/ 2011-04-27T16:37:00Z How can I become pre qualified on a "cash purchase" for a bid on HUD property?Thanks , Lance http://www.zillow.com/advice-thread/How-can-I-become-pre-qualified-on-a-cash-purchase-for-a-bid-on-HUD-property-Thanks-Lance/329967/ 2 replies Tue, 02 Mar 2010 11:24:00 GMT http://www.zillow.com/advice-thread/How-can-I-become-pre-qualified-on-a-cash-purchase-for-a-bid-on-HUD-property-Thanks-Lance/329967/ 2010-03-02T11:24:00Z Has anyone else noticed the difficulty in getting financing for even "good" risk buyers these days? http://www.zillow.com/advice-thread/Has-anyone-else-noticed-the-difficulty-in-getting-financing-for-even-good-risk-buyers-these-days/345143/ It is surprising to me that the "pendulum" has swung so far the other way that even good credit risks/buyers cannot get financing.&nbsp;I had buyers with no debt, credit scores over 720, lots of assets, and signifigant money in savings that still could not get quality financing.&nbsp; Very frustrating to say the least.&nbsp; I am concerned about the near future of the national housing market, not so much here in Enid, but as a country as a whole, I do have concern.<br \><br \>10 replies Sun, 18 Apr 2010 04:20:00 GMT http://www.zillow.com/advice-thread/Has-anyone-else-noticed-the-difficulty-in-getting-financing-for-even-good-risk-buyers-these-days/345143/ 2010-04-18T04:20:00Z IS THERE A MINIMUN AGE TO BUY A HOUSE? http://www.zillow.com/advice-thread/IS-THERE-A-MINIMUN-AGE-TO-BUY-A-HOUSE/349507/ OK IM ONLY 18YO AND MY CREDIT SCORE IS 621, 661, AND 684 AND I WOULD LIKE TO BUY A HOUSE I JUST DONT KNOW IF ITS POSSIBLE TO GET A HOUSE LOAN AT THAT AGE.CAN SOMEONE HELP ME?<br \><br \>2 replies Wed, 12 May 2010 04:05:00 GMT http://www.zillow.com/advice-thread/IS-THERE-A-MINIMUN-AGE-TO-BUY-A-HOUSE/349507/ 2010-05-12T04:05:00Z Has anyone heard about the military extension for the BIG tax credit? http://www.zillow.com/advice-thread/Has-anyone-heard-about-the-military-extension-for-the-BIG-tax-credit/345144/ For those military folks out there...&nbsp; the current tax credit deal is you have to be under contract by April 30th 2010 and close by June 30 2010 in order to receive an $8,000 tax credit (for first time homebuyers) or a $6,500&nbsp;tax credit (for existing homebuyers). HOWEVEVR, if you are military and have deployed for at least 90 days since January 1st 2009, this benefit is extended.&nbsp; You now have until April 30th 2011 to go under contract and must close by June 30th 2011 to receive the same benefit.<br \><br \>0 replies Sun, 18 Apr 2010 04:28:00 GMT http://www.zillow.com/advice-thread/Has-anyone-heard-about-the-military-extension-for-the-BIG-tax-credit/345144/ 2010-04-18T04:28:00Z I was interested in this property.I have to move to Enid for my job. http://www.zillow.com/advice-thread/I-was-interested-in-this-property-I-have-to-move-to-Enid-for-my-job/336072/ 0 replies Sun, 21 Mar 2010 17:48:00 GMT http://www.zillow.com/advice-thread/I-was-interested-in-this-property-I-have-to-move-to-Enid-for-my-job/336072/ 2010-03-21T17:48:00Z