Zillow Advice RSS: Question,All Real Estate Advice Topics,Cary- NC http://www.zillow.com/advice/Cary-NC/all/question/ Zillow Advice search results | Zillow Real Estate I am Sec/Treas for Prestwick at MacGregor HOA . Please contact prpage@nc.rr.com re 307 Tweed Cir http://www.zillow.com/advice-thread/I-am-Sec-Treas-for-Prestwick-at-MacGregor-HOA-Please-contact-prpage-nc-rr-com-re-307-Tweed-Cir/579521/ 3 replies Thu, 19 Mar 2015 21:40:00 GMT http://www.zillow.com/advice-thread/I-am-Sec-Treas-for-Prestwick-at-MacGregor-HOA-Please-contact-prpage-nc-rr-com-re-307-Tweed-Cir/579521/ 2015-03-19T21:40:00Z Does being a homeowner help me when looking to rent or buy? http://www.zillow.com/advice-thread/Does-being-a-homeowner-help-me-when-looking-to-rent-or-buy/578149/ My credit score is poor (560-580).&nbsp; I own a paid off home that is currently being leased as part of a rent-to-own sale.&nbsp; In 13 months it should sell.&nbsp; Until then, I am stuck in an apt I hate.&nbsp; Looking to rent a house for the next 12 months.&nbsp; But with poor credit, I will be looked at as a risk.&nbsp; yet I successfully owned my home for 15 yrs and it could be considered collateral from a lender's point of view.&nbsp; Just want to get in a house ASAP whether I rent it or own it. Oddly, rent in my area is far more expensive than actually owning a home.&nbsp; But I don't have a significant downpayment until my home sells a year from now.&nbsp;&nbsp; Any advice?<br \><br \>4 replies Sun, 08 Mar 2015 19:26:00 GMT http://www.zillow.com/advice-thread/Does-being-a-homeowner-help-me-when-looking-to-rent-or-buy/578149/ 2015-03-08T19:26:00Z How easy is it for a foreign national to get a mortgage with no US credit rating. http://www.zillow.com/advice-thread/How-easy-is-it-for-a-foreign-national-to-get-a-mortgage-with-no-US-credit-rating/568270/ UK to US company transfer. Will have 20 to 25% down payment, looking for a home in the region of $550-$600K<br \><br \>10 replies Sun, 30 Nov 2014 17:05:00 GMT http://www.zillow.com/advice-thread/How-easy-is-it-for-a-foreign-national-to-get-a-mortgage-with-no-US-credit-rating/568270/ 2014-11-30T17:05:00Z How easy is it for a foreign national to get a mortgage with no US credit rating. http://www.zillow.com/advice-thread/How-easy-is-it-for-a-foreign-national-to-get-a-mortgage-with-no-US-credit-rating/568270/ UK to US company transfer. Will have 20 to 25% down payment, looking for a home in the region of $550-$600K<br \><br \>10 replies Sun, 30 Nov 2014 17:05:00 GMT http://www.zillow.com/advice-thread/How-easy-is-it-for-a-foreign-national-to-get-a-mortgage-with-no-US-credit-rating/568270/ 2014-11-30T17:05:00Z near entrance or backing to street? http://www.zillow.com/advice-thread/near-entrance-or-backing-to-street/573072/ Planning to buy a brand new home in Cary, NC area. We are considering 2 options in a community now. The first one is backing to a busy street (lot of traffic in the day time). The next one is near the community entrance. 3rd house from another street, this street has an elementary school on it (busy street during school hours).&nbsp;Which one is better to live and also from a resale value perspective? Suggestions/Advice please...&nbsp;<br \><br \>7 replies Thu, 22 Jan 2015 18:29:00 GMT http://www.zillow.com/advice-thread/near-entrance-or-backing-to-street/573072/ 2015-01-22T18:29:00Z Self employed(1 year) mortgage approval http://www.zillow.com/advice-thread/Self-employed-1-year-mortgage-approval/503726/ I'm self employed since Aug 2012. I have been working in the same line of work (software contractor). The source of income is same before my self-emplyment started and after self-employed. I was working for company X through company Y before my self-employment for 7 years with consistent income over 100k. Now I am still working for company Y directly through my own established company and the benefit I cut down one layer and so I am paid more now. I can provide proof for this and letter from company Y. Being independent contractor I don't have much expenses on my business. I have excellent credit scores above 775 and no debts.<br/>This is my first home purchase. I already found and signed contract for 350k home and need to close in December 2013 and get pre-approval soon to prove to the builder I am credit worthy. I won't be having two years of tax filings but I can provide year to date income statement which shows health of my company. I have tried two lenders and they said they need 2 years tax filings minimum. Is there any lender who is willing to provide loan with my situation as is.<br/><br/>&nbsp;<br \><br \>15 replies Fri, 26 Jul 2013 13:51:00 GMT http://www.zillow.com/advice-thread/Self-employed-1-year-mortgage-approval/503726/ 2013-07-26T13:51:00Z Under 600 Subprime Mortgage http://www.zillow.com/advice-thread/Under-600-Subprime-Mortgage/561452/ This week I was supposed to close on a house with a VA loan, and when the lender did a soft credit report something came up that dropped my score below 600 due a to a car payment and was unable to close on the house.<br/><br/>I think the only option for me is to try and get a subprime mortgage with 100% financing. Is this even a possiblity?<br \><br \>7 replies Thu, 02 Oct 2014 15:33:00 GMT http://www.zillow.com/advice-thread/Under-600-Subprime-Mortgage/561452/ 2014-10-02T15:33:00Z Need a relocation realtor/agent to have my property rent it out http://www.zillow.com/advice-thread/Need-a-relocation-realtor-agent-to-have-my-property-rent-it-out/560513/ It's a townhouse of 4 bdrm 3.5bath 3500sqf with basement and 2 car garage in Cary Park.<br/><br \><br \>6 replies Wed, 24 Sep 2014 17:10:00 GMT http://www.zillow.com/advice-thread/Need-a-relocation-realtor-agent-to-have-my-property-rent-it-out/560513/ 2014-09-24T17:10:00Z Are there any real estate agents willing to work with someone who has a low credit score? http://www.zillow.com/advice-thread/Are-there-any-real-estate-agents-willing-to-work-with-someone-who-has-a-low-credit-score/303359/ Are there any <a href="http://www.zillow.com/directory/real-estate-agents/">real estate agents</a> in the Cary, NC area willing to work with a potential home buyer who happens to have a low credit score? My wife and I have been renting "forever", and have an excellent rental history. We would like to purchase a home, but I'm afraid that my poor credit rating will prevent that from happening. Any advice would be appreciated -thank you.<br \><br \>32 replies Wed, 02 Dec 2009 19:32:00 GMT http://www.zillow.com/advice-thread/Are-there-any-real-estate-agents-willing-to-work-with-someone-who-has-a-low-credit-score/303359/ 2009-12-02T19:32:00Z VA loan chances http://www.zillow.com/advice-thread/VA-loan-chances/530517/ Looking to qualify for a VA loan. My credit scores are in the 580-620 range from the credit bureaus. Had an underemployment issue in 2009 so making payments became and issue so CC defaults, student loan defaults, charge-offs etc. Now making roughly $5-6K monthly by myself. Wife nets about $2400 monthly. Have three low limit ccards I'm using to build credit again all with low or zero balances. No other loans. DTI is less than 10%. Wife has been at her current job for 15 years and I'm self employed now since 2007. Looking for a home in the 350-380 range. Would love a VA 5/1 arm. Have a home picked out so help me please. Thanks!<br \><br \>10 replies Sat, 01 Mar 2014 22:08:00 GMT http://www.zillow.com/advice-thread/VA-loan-chances/530517/ 2014-03-01T22:08:00Z Any lender for piggyback 80-10-10 http://www.zillow.com/advice-thread/Any-lender-for-piggyback-80-10-10/547863/ I am looking to refi my home. I am looking for 15/15 ARM with 80-10-10 piggyback. Any lender in cary, NC ?<br \><br \>2 replies Mon, 30 Jun 2014 16:16:00 GMT http://www.zillow.com/advice-thread/Any-lender-for-piggyback-80-10-10/547863/ 2014-06-30T16:16:00Z BackSide detached garage http://www.zillow.com/advice-thread/BackSide-detached-garage/544580/ Is it good to buy a new home with backside detached garage?<br \><br \>3 replies Sun, 08 Jun 2014 05:03:00 GMT http://www.zillow.com/advice-thread/BackSide-detached-garage/544580/ 2014-06-08T05:03:00Z I am thinking of buying a home in the raleigh/cary area. Is it a good time to buy a home? http://www.zillow.com/advice-thread/I-am-thinking-of-buying-a-home-in-the-raleigh-cary-area-Is-it-a-good-time-to-buy-a-home/320958/ 5 replies Tue, 02 Feb 2010 13:46:00 GMT http://www.zillow.com/advice-thread/I-am-thinking-of-buying-a-home-in-the-raleigh-cary-area-Is-it-a-good-time-to-buy-a-home/320958/ 2010-02-02T13:46:00Z Looking for Cary/Morrisville/Apex rental http://www.zillow.com/advice-thread/Looking-for-Cary-Morrisville-Apex-rental/539539/ Hi There,<br/><br/>My fiance and I are looking for a rental in Cary/Morrisville/Apex around the end of July/Early August.&nbsp; We do have 2 mature dogs, but its hard to find something pet friendly around this time frame.&nbsp; We both work in RTP and would like to keep the rent below $1,350 a month.&nbsp; Any advice or realty companies we should consider?<br/><br/>Thanks!<br \><br \>2 replies Tue, 06 May 2014 18:16:00 GMT http://www.zillow.com/advice-thread/Looking-for-Cary-Morrisville-Apex-rental/539539/ 2014-05-06T18:16:00Z How does buying a HUD home work? http://www.zillow.com/advice-thread/How-does-buying-a-HUD-home-work/531487/ 4 replies Sat, 08 Mar 2014 18:51:00 GMT http://www.zillow.com/advice-thread/How-does-buying-a-HUD-home-work/531487/ 2014-03-08T18:51:00Z Looking to refi first and second mortgage into one-- total is 92% LTV advice? http://www.zillow.com/advice-thread/Looking-to-refi-first-and-second-mortgage-into-one-total-is-92-LTV-advice/528689/ I have two loans owned and originated with Suntrust Bank. They total roughly 92-95% LTV depending on an appraisal. (The house next door just sold and is very comoarable.) These loans were no Freddy or Fannie and are not eligible for the special refis offered bu the gov't. I have heard that by trying to refo both it is considered a cash out loan but it will ot raise the LTV because the second is being paid off as well. Any suggestions for how to procede? I tried refinanacing with Suntrust a couple of years ago and they were incompetent-- said they were shocked that I had a second mortgae even though #1 I told them that i was trying to combine the two into one and #2 they hold both loans! I shoudn't be surpried. About six years ago when talking to this same loan officer, she suggested i should go for a short sale as if it were the most natural thing in the world. Thank you for any advice.<br \><br \>6 replies Sun, 16 Feb 2014 20:55:00 GMT http://www.zillow.com/advice-thread/Looking-to-refi-first-and-second-mortgage-into-one-total-is-92-LTV-advice/528689/ 2014-02-16T20:55:00Z When do I receive Owner title insurance policy documents? http://www.zillow.com/advice-thread/When-do-I-receive-Owner-title-insurance-policy-documents/526366/ State: NC<br/>We closed on a (existing) home 2 weeks ago. Per the HUD-1 and per state rules tile insurance (lenders &amp; owners) was bought and paid from my closing. <br/><br/>How long does it take for me to get my owners policy documents? I was told I'll get it in the mail. I called the title company and they said about a month.<br \><br \>6 replies Wed, 29 Jan 2014 17:49:00 GMT http://www.zillow.com/advice-thread/When-do-I-receive-Owner-title-insurance-policy-documents/526366/ 2014-01-29T17:49:00Z how does fha 100 dollars down work http://www.zillow.com/advice-thread/how-does-fha-100-dollars-down-work/486651/ 8 replies Sat, 06 Apr 2013 16:44:00 GMT http://www.zillow.com/advice-thread/how-does-fha-100-dollars-down-work/486651/ 2013-04-06T16:44:00Z How do I get homes I sold listed in zillow http://www.zillow.com/advice-thread/How-do-I-get-homes-I-sold-listed-in-zillow/521211/ 2 replies Mon, 09 Dec 2013 19:42:00 GMT http://www.zillow.com/advice-thread/How-do-I-get-homes-I-sold-listed-in-zillow/521211/ 2013-12-09T19:42:00Z WANT TO INVEST IN PROPERTY FOR RENTAL INCOMES?SHOULD I GO FOR COMMERCIAL PROPERTIES OR RESIDENTIAL http://www.zillow.com/advice-thread/WANT-TO-INVEST-IN-PROPERTY-FOR-RENTAL-INCOMES-SHOULD-I-GO-FOR-COMMERCIAL-PROPERTIES-OR-RESIDENTIAL/519253/ I CAN INVEST UPTO $300000.<br \><br \>4 replies Sun, 17 Nov 2013 02:13:00 GMT http://www.zillow.com/advice-thread/WANT-TO-INVEST-IN-PROPERTY-FOR-RENTAL-INCOMES-SHOULD-I-GO-FOR-COMMERCIAL-PROPERTIES-OR-RESIDENTIAL/519253/ 2013-11-17T02:13:00Z