Zillow Advice RSS: Question,All Real Estate Advice Topics,Baltimore- MD http://www.zillow.com/advice/Baltimore-MD/all/question/ Zillow Advice search results | Zillow Real Estate Can I get a mortgage in Maryland for a home purchase in Georgia? http://www.zillow.com/advice-thread/Can-I-get-a-mortgage-in-Maryland-for-a-home-purchase-in-Georgia/555511/ We wanted to get a mortgage in Georgia but were told that we would have to get jobs first. What we had hoped to do, since we have 20% to put down on the house, is to move to Georgia and take our time finding a job.<br \><br \>2 replies Tue, 19 Aug 2014 21:55:00 GMT http://www.zillow.com/advice-thread/Can-I-get-a-mortgage-in-Maryland-for-a-home-purchase-in-Georgia/555511/ 2014-08-19T21:55:00Z 203K appraisal http://www.zillow.com/advice-thread/203K-appraisal/554955/ Hello,<br/>I am looking for a 203K streamline to do some repairs and upgrades on my home. How does the appraiser assess what is to be done? What is counted in the "new" appraised value? Is it possible to purchase a higher quality used item as opposed to a new item. Specifically, I am looking to replace my fiberboard kitchen cabinets with glass front wood cabinets. Granite is included for the counter tops. ANY help with this would be most greatly appreciated!<br/>&nbsp;<br/><br/>&nbsp;<br/><br/>&nbsp;<br \><br \>6 replies Fri, 15 Aug 2014 19:16:00 GMT http://www.zillow.com/advice-thread/203K-appraisal/554955/ 2014-08-15T19:16:00Z Is buying a condo to rent out a wise idea for a recent college graduate? http://www.zillow.com/advice-thread/Is-buying-a-condo-to-rent-out-a-wise-idea-for-a-recent-college-graduate/530860/ Hello all!<br/><br/>I am a 23 year old recent college graduate with a full-time job with a gross yearly income of $71,000.&nbsp; I have college student loans which amount up to payments of $500 monthly.&nbsp; My rent currently is $700 in the Baltimore area. I have no major monthly expense other than the regular credit card bills, etc. My credit score is in the 700's - I have always paid any bills I've ever had in full. <br/><br/>I have been entertaining the idea of buying a condo to rent out for quite some time now.&nbsp; How realistic is it for me to carry out this dream keeping in mind I've only started working since last October (2013)? I am thinking about somewhere in downtown Baltimore. Will the rent break even with the mortgage and all other fees eventually paying itself off? I am not looking for it to profit me right away. I am patient enough to watch it profit me in the long run. <br/><br/>All opinions are appreciated!<br/><br/>It's okay to tell me if this is a very unwise decision if you truly believe so. I can take it :)<br \><br \>18 replies Tue, 04 Mar 2014 11:25:00 GMT http://www.zillow.com/advice-thread/Is-buying-a-condo-to-rent-out-a-wise-idea-for-a-recent-college-graduate/530860/ 2014-03-04T11:25:00Z VA loan with high DTI http://www.zillow.com/advice-thread/VA-loan-with-high-DTI/553784/ I make 27663 a year untaxed, and another 35580 a year taxed. Stuck with 1600 a month in various debts (will be paid off in 4 years). I am also currently paying 1700 a month in rent. Credit score is above 680. Do I just hunker down for the next couple years, or is there any chance I could get approved for a place with a 58% DTI (which about how much it would be with a 275k loan+insurance+tax)<br \><br \>9 replies Fri, 08 Aug 2014 16:07:00 GMT http://www.zillow.com/advice-thread/VA-loan-with-high-DTI/553784/ 2014-08-08T16:07:00Z Looking at buying my first rental property next year http://www.zillow.com/advice-thread/Looking-at-buying-my-first-rental-property-next-year/554079/ So I am venturing into rental properties and my primary market I am looking at is aberdeen. But I am also very very curious about baltimore since there seems to be deals all over but I have also been told to stay away from baltimore for rental properties.<br/><br/>I find it hard to believe that everywhere in baltimore is crime ridden and you only get horrible renters. So I am looking for advice from anyone with experience on this subject since I would seriously consider looking at baltimore for investment.<br/><br/>My goals are simply, I am looking at finding places that have at least 500$ profit per month and if all goes wells with my first property then I would want to look at buying 1 property per year.<br/><br/><br \><br \>2 replies Sun, 10 Aug 2014 15:38:00 GMT http://www.zillow.com/advice-thread/Looking-at-buying-my-first-rental-property-next-year/554079/ 2014-08-10T15:38:00Z I'm trying to purchase a home, but I have a foreclosure 2 yrs. out. Is there any hope for me ? http://www.zillow.com/advice-thread/I%27m-trying-to-purchase-a-home-but-I-have-a-foreclosure-2-yrs-out-Is-there-any-hope-for-me/552244/ 8 replies Wed, 30 Jul 2014 17:11:00 GMT http://www.zillow.com/advice-thread/I%27m-trying-to-purchase-a-home-but-I-have-a-foreclosure-2-yrs-out-Is-there-any-hope-for-me/552244/ 2014-07-30T17:11:00Z Pre-qualification credit check http://www.zillow.com/advice-thread/Pre-qualification-credit-check/551221/ Hello,<br/><br/>I am a first time buyer and as the first step in the process I would like to get pre-qualified. I have two general questions:<br/><br/>1.) Does a pre-qualification require a credit check? I would like to avoid this if possible as to not lower my score. I plan to purchase in 2-4 months, but would like to start the process of looking for a home now. If there is a greater than 30 day gap between pre-qualification and pre approval credit checks, will this lower my credit score?<br/><br/>2.) Is it possible to provide the lender with your own purchased credit report to avoid lowering your credit score? For instance, home buyer purchases the report the day of the pre-qualfication. <br/><br/>Thanks<br \><br \>6 replies Fri, 25 Jul 2014 00:47:00 GMT http://www.zillow.com/advice-thread/Pre-qualification-credit-check/551221/ 2014-07-25T00:47:00Z 30 Day Notice to Vacate in email http://www.zillow.com/advice-thread/30-Day-Notice-to-Vacate-in-email/547044/ I send my landlord an email stating I was buying a home and moving out at the end of my lease. She responded and thanked me for notifying her. Now she's claiming it was informal and not legal and demands I pay another months rent. Is she correct?<br \><br \>1 reply Wed, 25 Jun 2014 00:59:00 GMT http://www.zillow.com/advice-thread/30-Day-Notice-to-Vacate-in-email/547044/ 2014-06-25T00:59:00Z Need a lender for re-fi of my waterfront improved lot next to my house. http://www.zillow.com/advice-thread/Need-a-lender-for-re-fi-of-my-waterfront-improved-lot-next-to-my-house/550549/ My property has 2 lots. One has the house on it.&nbsp; Need to refinance the lot next door. Looking for a lender.<br \><br \>7 replies Mon, 21 Jul 2014 13:48:00 GMT http://www.zillow.com/advice-thread/Need-a-lender-for-re-fi-of-my-waterfront-improved-lot-next-to-my-house/550549/ 2014-07-21T13:48:00Z how do i get my ernest money back? http://www.zillow.com/advice-thread/how-do-i-get-my-ernest-money-back/550258/ The seller did not comply in the given time frame to give me a signed inspection addendum, he just gave a verbal response to his agent that he will do almost everything&nbsp; stated in the inspection addendum, but no signed contract was given to me in that 5 days, I terminated my contract,&nbsp; 4 days before closing, I do not trust the seller being able to fix or repair everything in that given time, my contract was i contingent with the inspection. Now the seller is giving me&nbsp; a hard time, it's been two weeks and he hasn't&nbsp; sign the release of my ernest money,&nbsp; any advice?<br \><br \>2 replies Sat, 19 Jul 2014 01:48:00 GMT http://www.zillow.com/advice-thread/how-do-i-get-my-ernest-money-back/550258/ 2014-07-19T01:48:00Z i am thinking of buying a hud home in maryland how do i go about it? http://www.zillow.com/advice-thread/i-am-thinking-of-buying-a-hud-home-in-maryland-how-do-i-go-about-it/548510/ 5 replies Sat, 05 Jul 2014 13:59:00 GMT http://www.zillow.com/advice-thread/i-am-thinking-of-buying-a-hud-home-in-maryland-how-do-i-go-about-it/548510/ 2014-07-05T13:59:00Z How do I list my home for rent on Zillow? http://www.zillow.com/advice-thread/How-do-I-list-my-home-for-rent-on-Zillow/548867/ 1 reply Tue, 08 Jul 2014 14:50:00 GMT http://www.zillow.com/advice-thread/How-do-I-list-my-home-for-rent-on-Zillow/548867/ 2014-07-08T14:50:00Z NEED LENDER WHO CAN DO REFI FOR LLC http://www.zillow.com/advice-thread/NEED-LENDER-WHO-CAN-DO-REFI-FOR-LLC/547803/ I am about to close an all cash transaction in an LLC name for an investment property. I need a lender that can do a refinancing for the LLC as quick as possible.<br/>Any lender out there that can do this? Suggestion / Opinion is also welcome on this.<br/>Thank you all.<br \><br \>3 replies Mon, 30 Jun 2014 04:32:00 GMT http://www.zillow.com/advice-thread/NEED-LENDER-WHO-CAN-DO-REFI-FOR-LLC/547803/ 2014-06-30T04:32:00Z Will I get approved for a mortgage as a PhD student http://www.zillow.com/advice-thread/Will-I-get-approved-for-a-mortgage-as-a-PhD-student/547931/ I will be attending John Hopkins starting this fall in a PhD program. I have a $32,000 yearly stipend for the next 5-6 years. I have been doing research and I can have a mortgage for the amount I am currently paying in rent. I &nbsp;plan on getting a 2 bedroom row home and having 2 roommates ( i live in the basement) So i will actually be making money. &nbsp;I also will receive grants in addition to my saving for the down payment.&nbsp;But I want to know if it is realistic that i will be approved for a loan? if so will i need a co-signer?<br \><br \>2 replies Mon, 30 Jun 2014 23:53:00 GMT http://www.zillow.com/advice-thread/Will-I-get-approved-for-a-mortgage-as-a-PhD-student/547931/ 2014-06-30T23:53:00Z Upside down http://www.zillow.com/advice-thread/Upside-down/547504/ Due to poor school systems my family needs to relocate. We spend $8000 a year on private schools and that will soon become $13000 a year. Before the downturn our house was appraised at $370000 now it's $245000. $244 is what we owe but our realtor says we might be lucky to get $220,000. We don't have any $ in the bank to cut the deficit. Any advice on how to improve our situation. We would love to move.<br \><br \>3 replies Fri, 27 Jun 2014 20:29:00 GMT http://www.zillow.com/advice-thread/Upside-down/547504/ 2014-06-27T20:29:00Z (Moved): NEED LENDER WHO CAN DO REFI FOR LLC http://www.zillow.com/advice-thread/Moved-NEED-LENDER-WHO-CAN-DO-REFI-FOR-LLC/547804/ This discussion has been moved to the following location: <a href="http://www.zillow.com/advice-thread/NEED-LENDER-WHO-CAN-DO-REFI-FOR-LLC/547803/">http://www.zillow.com/advice-thread/NEED-LENDER-WHO-CAN-DO-REFI-FOR-LLC/547803/</a><br \><br \>0 replies Mon, 30 Jun 2014 04:35:00 GMT http://www.zillow.com/advice-thread/Moved-NEED-LENDER-WHO-CAN-DO-REFI-FOR-LLC/547804/ 2014-06-30T04:35:00Z a former renter of mine posted a review of me that is not favorable. can i close my account to rese http://www.zillow.com/advice-thread/a-former-renter-of-mine-posted-a-review-of-me-that-is-not-favorable-can-i-close-my-account-to-rese/546915/ a former renter of mine posted a review of me that is not favorable and has nothing to do with rentals.&nbsp; he posed as a buyer.&nbsp; can i close my account to reset the reviews?&nbsp; or can it just be removed?&nbsp; please help!<br \><br \>0 replies Tue, 24 Jun 2014 15:16:00 GMT http://www.zillow.com/advice-thread/a-former-renter-of-mine-posted-a-review-of-me-that-is-not-favorable-can-i-close-my-account-to-rese/546915/ 2014-06-24T15:16:00Z Will I get my earnest money ($5,000) back? http://www.zillow.com/advice-thread/Will-I-get-my-earnest-money-5-000-back/545906/ I am buying a new property under construction. The house is about $510,000 and I had to deposit $5,000 when I signed the contract.<br/>The loan company is also the builder and they offered a $10,000 closing assistance. The loan officer is insisting that I sell my present home before closing on the new home.<br/>My question is this:<br/><br/>1. Will my earnest money be refunded if I can't get my house sold before closing date of new home?<br/><br/>Jay<br \><br \>6 replies Tue, 17 Jun 2014 18:06:00 GMT http://www.zillow.com/advice-thread/Will-I-get-my-earnest-money-5-000-back/545906/ 2014-06-17T18:06:00Z I want to sell my house "as is". What's the best way to go about this? http://www.zillow.com/advice-thread/I-want-to-sell-my-house-as-is-What%27s-the-best-way-to-go-about-this/407117/ 12 replies Tue, 12 Jul 2011 21:12:00 GMT http://www.zillow.com/advice-thread/I-want-to-sell-my-house-as-is-What%27s-the-best-way-to-go-about-this/407117/ 2011-07-12T21:12:00Z I want to rent a house. Can I do it without an agent and is there a free posting on zillow ? http://www.zillow.com/advice-thread/I-want-to-rent-a-house-Can-I-do-it-without-an-agent-and-is-there-a-free-posting-on-zillow/545278/ 1 reply Thu, 12 Jun 2014 19:21:00 GMT http://www.zillow.com/advice-thread/I-want-to-rent-a-house-Can-I-do-it-without-an-agent-and-is-there-a-free-posting-on-zillow/545278/ 2014-06-12T19:21:00Z