Zillow Advice RSS: Discussion,All Real Estate Advice Topics,Pittsburgh- PA http://www.zillow.com/advice/Pittsburgh-PA/all/discussion/ Zillow Advice search results | Zillow Real Estate Now that the First Time Tax Credit is over, is it a buyers market in Pittsburgh? http://www.zillow.com/advice-thread/Now-that-the-First-Time-Tax-Credit-is-over-is-it-a-buyers-market-in-Pittsburgh/347985/ <p>Now that the credit expires tomorrow will buyers feel it's&nbsp;time for bargin pricing?&nbsp;&nbsp;The tax credit pushed many first time and second home&nbsp;buyers to find a home in&nbsp;Pittsburgh this&nbsp;April.&nbsp;&nbsp; The Pittsburgh real estate market and other cities were flooded with buyers who waited until April 30th to get a signed contract. The answer will depend on the amount of time a property has been on the market, if it's priced correctly and how motivated the owner is to sell.&nbsp;</p><br \><br \>5 replies Sat, 01 May 2010 01:40:00 GMT http://www.zillow.com/advice-thread/Now-that-the-First-Time-Tax-Credit-is-over-is-it-a-buyers-market-in-Pittsburgh/347985/ 2010-05-01T01:40:00Z Investment property and would like to borrow from it to purchase another property. http://www.zillow.com/advice-thread/Investment-property-and-would-like-to-borrow-from-it-to-purchase-another-property/423478/ I have a few investment properties that I paid cash for and would like to borrow from one of them to purchase another property.&nbsp; Please direct me the best way to go.&nbsp; I live in Pittsburgh, PA<br \><br \>4 replies Sun, 20 Nov 2011 02:37:00 GMT http://www.zillow.com/advice-thread/Investment-property-and-would-like-to-borrow-from-it-to-purchase-another-property/423478/ 2011-11-20T02:37:00Z Investment property and would like to borrow from it to purchase another property. http://www.zillow.com/advice-thread/Investment-property-and-would-like-to-borrow-from-it-to-purchase-another-property/423478/ I have a few investment properties that I paid cash for and would like to borrow from one of them to purchase another property.&nbsp; Please direct me the best way to go.&nbsp; I live in Pittsburgh, PA<br \><br \>4 replies Sun, 20 Nov 2011 02:37:00 GMT http://www.zillow.com/advice-thread/Investment-property-and-would-like-to-borrow-from-it-to-purchase-another-property/423478/ 2011-11-20T02:37:00Z Buyer's agent role in new-construction purchase http://www.zillow.com/advice-thread/Buyer%27s-agent-role-in-new-construction-purchase/314875/ Can someone give me a general list of responsibilities of a buyer's agent when purchasing new-construction? &nbsp;I took an agent with me to the model on day one, she basically has done nothing since then. &nbsp;She didn't want to be at the PA signing and I forced her to go. &nbsp;She's getting 2.5% commission on a $190k house and she is taking credit for a negotiated discount (that I made happen while she walked another person around the model during our appointment). &nbsp;Since then, she's been non-existent. &nbsp;She didn't write me back when I told her that customer service is little to be desired and she never writes the sales rep at the builder back when updates on my build are sent. &nbsp;I'm really just wondering what she should have done in this relationship and if there's anything I should make her do between now and closing to earn her commission. &nbsp;Or else, I am going to fight to get her off the contract since I never signed anything to have her represent me except the PA. &nbsp;<br/><br/>Thanks! &nbsp;<br/><br/><br/><br/>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br \><br \>7 replies Thu, 14 Jan 2010 20:02:00 GMT http://www.zillow.com/advice-thread/Buyer%27s-agent-role-in-new-construction-purchase/314875/ 2010-01-14T20:02:00Z Buyer's agent role in new-construction purchase http://www.zillow.com/advice-thread/Buyer%27s-agent-role-in-new-construction-purchase/314875/ Can someone give me a general list of responsibilities of a buyer's agent when purchasing new-construction? &nbsp;I took an agent with me to the model on day one, she basically has done nothing since then. &nbsp;She didn't want to be at the PA signing and I forced her to go. &nbsp;She's getting 2.5% commission on a $190k house and she is taking credit for a negotiated discount (that I made happen while she walked another person around the model during our appointment). &nbsp;Since then, she's been non-existent. &nbsp;She didn't write me back when I told her that customer service is little to be desired and she never writes the sales rep at the builder back when updates on my build are sent. &nbsp;I'm really just wondering what she should have done in this relationship and if there's anything I should make her do between now and closing to earn her commission. &nbsp;Or else, I am going to fight to get her off the contract since I never signed anything to have her represent me except the PA. &nbsp;<br/><br/>Thanks! &nbsp;<br/><br/><br/><br/>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br \><br \>7 replies Thu, 14 Jan 2010 20:02:00 GMT http://www.zillow.com/advice-thread/Buyer%27s-agent-role-in-new-construction-purchase/314875/ 2010-01-14T20:02:00Z If I am a home seller, is it worth staging my house for sale? http://www.zillow.com/advice-thread/If-I-am-a-home-seller-is-it-worth-staging-my-house-for-sale/517059/ A small investment can lead to a big return for sellers who chose to make key improvements to their homes. Clean, neutral walls are easy to do these days with all of the new paints that contain primer. "Staging" the interior of your home will show buyers the best use of the home's space. Buyers may not realize the room off the kitchen now used as toy storage is really a great space for a dining room.<br \><br \>15 replies Mon, 28 Oct 2013 21:09:00 GMT http://www.zillow.com/advice-thread/If-I-am-a-home-seller-is-it-worth-staging-my-house-for-sale/517059/ 2013-10-28T21:09:00Z Ask our community... http://www.zillow.com/advice-thread/Ask-our-community/507584/ <p>My husband and I are tying to decide if we should put hardwood or tile in our kitchen. We have 2 kids at home and a very little cockapoo pup. She sstays mainly in the laundry room which is off the kitchen. We are in the process of putting hardwoods in the living room and dining room but off of these rooms you walk into the kitchen. We want a home that is warm and inviting. Our family room is off the kitchen as well but it has carpet. I'm so undecided as to what we should put down in the kitchen. My home has a lot of nuetral colors cremes, oranges, &amp; browns. any advice will help.</p><br \><br \>7 replies Mon, 19 Aug 2013 16:41:00 GMT http://www.zillow.com/advice-thread/Ask-our-community/507584/ 2013-08-19T16:41:00Z Good Income. Great Down Payment. Bad Credit http://www.zillow.com/advice-thread/Good-Income-Great-Down-Payment-Bad-Credit/516699/ I'll start with the good. $55K+ annual salary. $30K+ down payment. Here's the kicker...... 535 credit score. Looking at buying a modest $100-$120K SFH. I'm trying to find out if discussions are worth having with a mortgage specialist at a bank or credit union. As much help as possible is appreciated. Located in Pennsylvania. &nbsp;Thank you.<br \><br \>4 replies Fri, 25 Oct 2013 20:41:00 GMT http://www.zillow.com/advice-thread/Good-Income-Great-Down-Payment-Bad-Credit/516699/ 2013-10-25T20:41:00Z What Pittsburgh suburb would be best? http://www.zillow.com/advice-thread/What-Pittsburgh-suburb-would-be-best/512936/ We are a young family relocating to pittsburgh. We have two young kids elementary and daycare age. I will be working in Canonsburgh so what area would you all recommend. We appreciate newer homes, diverse people, family communities, and being close to entertainment and dining. We are wanting to rent a single family home but are open to a townhome. What area would you all recommend and how much should I expect to pay in rent utilities (I've never lived in this type of climate and not sure how much of an impact it will have on my utility expenses), and daycare? Thanks everyone in advance!!<br \><br \>2 replies Thu, 26 Sep 2013 00:42:00 GMT http://www.zillow.com/advice-thread/What-Pittsburgh-suburb-would-be-best/512936/ 2013-09-26T00:42:00Z Best mortgage option for my situation, non-occupying co-borrower? http://www.zillow.com/advice-thread/Best-mortgage-option-for-my-situation-non-occupying-co-borrower/511581/ Me and my girlfriend are looking to move into a home within the next month or two, we're having a baby in February and her lease is up in December. &nbsp;We have been looking at houses and found one I am very interested in for $120,000 in PA. &nbsp;I have a little over 70k in the bank and want to put down 50k (finance $70,000). &nbsp;The downpayment is a gift from my father.<br/><br/>I am currently a senior in college and will be graduating soon, but right now I am only working part time and have only been at my job for 14 months. &nbsp;My girlfriend has been working at her job for 7 years and has a decent income. &nbsp;My income is only about 900 a month and hers is around 3,000. &nbsp;The problem is her credit score is low (590). &nbsp;Mine is 630. &nbsp;We will both together be paying for the home and expenses but her credit isn't good enough to even apply. &nbsp;Our application was rejected on Friday because of her credit. &nbsp;So on Friday I applied again with my father as the co-applicant. &nbsp;His credit is great and income is more than enough to get accepted on his own.<br/><br/>Today the bank called me and said that since he is a non-occupant they can't consider his income in the mortgage but they can consider his assets, and that they were going to send the application to the underwriter department to review it. &nbsp;I'm pretty sure the application will be denied based on my low income, and being at my job for under 2 years. &nbsp;<br/><br/>Would I have a chance of it being accepted if I switched it from a conventional loan to an FHA loan? &nbsp;Are there any other options that could help my situation?<br/><br/>Is there absolutely no way my income can be considered since i've been there for under two years? &nbsp;My major is Management Information Systems and my job is considered sales.<br/><br/>Thanks<br/>Nate<br/><br/><br \><br \>4 replies Mon, 16 Sep 2013 19:20:00 GMT http://www.zillow.com/advice-thread/Best-mortgage-option-for-my-situation-non-occupying-co-borrower/511581/ 2013-09-16T19:20:00Z Need advice on agency http://www.zillow.com/advice-thread/Need-advice-on-agency/506200/ Hello. &nbsp;I find myself in a bit of a conundrum between agents, and would like to ask any advice.&nbsp;<br/><br/>I have a buyers agent (I think she is, though I never signed any contracts with her) &nbsp;who I trust very much. &nbsp;She is a great negotiator and knows local contractors and so on. &nbsp;I have worked closely with her to put in other offers (that I myself backed out of through no fault of hers.) &nbsp;This last week, she went on vacation in Europe.<br/><br/>During that time, a home I was previously interested in came back on the market. &nbsp;The listing agent called me and let me know due to a prior inquiry I had made, and I told her I wanted to see the home, as I didnt want to wait and see the house go under contract again (nice houses fly off the market here.) &nbsp;She sent another agent to show it to us, however, I strongly dislike this new agent (she said it is her first time showing a home and frankly, is rather obnoxious.) &nbsp;I would much rather work through the other agent that I know and trust, now that she is coming back from vacation, to put in an offer on the house.<br/><br/>So what do I do? &nbsp;In PA, is there going to be a legal problem if I contact my first agent about this home? &nbsp; I will note that no contracts have been signed with either agent, though I am given to understand that one should have been for the first agent to qualify as a real "buyers agent". &nbsp;<br \><br \>11 replies Sat, 10 Aug 2013 17:17:00 GMT http://www.zillow.com/advice-thread/Need-advice-on-agency/506200/ 2013-08-10T17:17:00Z we have agreatment for sale house But we can not sale house since we have proble with many things. http://www.zillow.com/advice-thread/we-have-agreatment-for-sale-house-But-we-can-not-sale-house-since-we-have-proble-with-many-things/505705/ for my case, if we stop sale our house, what problem will cause us?<br \><br \>1 reply Wed, 07 Aug 2013 17:33:00 GMT http://www.zillow.com/advice-thread/we-have-agreatment-for-sale-house-But-we-can-not-sale-house-since-we-have-proble-with-many-things/505705/ 2013-08-07T17:33:00Z Mortgage options? http://www.zillow.com/advice-thread/Mortgage-options/499115/ Hello,<br/>&nbsp;<br/>Long story short...I had to file for Chapter 7 Bankruptcy last May due to an ex wife that would not refinance our marital home per our Marital Settlement Agreement in 2010.&nbsp; I have begun to re-establish my credit and I know my Transunion score is currently around 670, but am unsure as to the others at this time.<br/><br/>I will be getting married in September, and my fiance currently has perfect credit in the 800s across all bureaus and makes about 41k/year. With this income, she would qualify for USDA mortgage (we are looking at an option with the least amount of money down at the moment).&nbsp; <br/><br/>I currently make 62k/year, so combined, we are just over 100k. Since I can't qualify for a mortgage for another year, would we be able to go the USDA route, or would my income prevent this, despite not being on the mortgage? If this is not an option, is there any way to qualify for a mortgage before 2 years post bankruptcy?<br \><br \>5 replies Wed, 26 Jun 2013 18:31:00 GMT http://www.zillow.com/advice-thread/Mortgage-options/499115/ 2013-06-26T18:31:00Z (Moved): Mortgage options? http://www.zillow.com/advice-thread/Moved-Mortgage-options/499117/ This discussion has been moved to the following location: <a href="http://www.zillow.com/advice-thread/Mortgage-options/499115/">http://www.zillow.com/advice-thread/Mortgage-options/499115/</a><br \><br \>0 replies Wed, 26 Jun 2013 18:32:00 GMT http://www.zillow.com/advice-thread/Moved-Mortgage-options/499117/ 2013-06-26T18:32:00Z Counter offer with sooner closing date? http://www.zillow.com/advice-thread/Counter-offer-with-sooner-closing-date/493207/ I recently put an offer on a Fannie Mae owned home. I offered 5k OVER asking, 1k hand money, and NO seller's assist, and a closing date in 2 months.( We are using a 203k loan) They did not accept our offer, but countered our offer with a closing date of next month instead of 2 months. We countered back with our&nbsp;original&nbsp;offer, we need at least 45-60 days to close with a 203k loan. Has anyone ever dealt with this? I have seen counter offers for a change in cost, or seller's assist, but not a sooner closing date...&nbsp;<br \><br \>6 replies Mon, 20 May 2013 23:28:00 GMT http://www.zillow.com/advice-thread/Counter-offer-with-sooner-closing-date/493207/ 2013-05-20T23:28:00Z Don't Wait Too Long To Take Advantage of Low Prices http://www.zillow.com/advice-thread/Don%27t-Wait-Too-Long-To-Take-Advantage-of-Low-Prices/491988/ What comes down must go up. If you are willing and financially able to purchase, please don't wait for the robins to come out for good weather, because spring will be over before you can blink you eyes. This is a time to take advantage of rates and the low payments that come with having the ability to afford more house or square footage. Seek a professional agent, we are very helpful in&nbsp;negoiating prices and will hold your hand every step of the way.<br \><br \>0 replies Sun, 12 May 2013 22:22:00 GMT http://www.zillow.com/advice-thread/Don%27t-Wait-Too-Long-To-Take-Advantage-of-Low-Prices/491988/ 2013-05-12T22:22:00Z VA Home Loan and Income Based Repayment on Student Loans http://www.zillow.com/advice-thread/VA-Home-Loan-and-Income-Based-Repayment-on-Student-Loans/488303/ I am applying for a VA home loan. &nbsp;I graduate from law school in May and will use Income Based Repayment (IBR) to pay back student loans. &nbsp;I've heard the mortgage lenders will NOT calculate my income/debt ratio using the IBR repayment amount, rather they will use the standard repayment amount, which is much higher in my case. Any advice/guidance on what I need to do to get the mortgage lender to use my IBR repayment amount?<br/>Thank you for taking the time to respond.<br \><br \>2 replies Wed, 17 Apr 2013 01:15:00 GMT http://www.zillow.com/advice-thread/VA-Home-Loan-and-Income-Based-Repayment-on-Student-Loans/488303/ 2013-04-17T01:15:00Z Dipping my toes into the world of real estate... http://www.zillow.com/advice-thread/Dipping-my-toes-into-the-world-of-real-estate/482372/ I am not yet a licensed realtor, but I am meeting with some local real state agencies to discuss some training options and scholarship programs. I want to gather as much information as possible, especially from real people.<br/>1. Is starting in real estate something that can be done part-time/on the side, at least to start? I should add that I am lucky to have a full-time job that has flexibility as far as personal days and no real set schedule.<br/>2. Are the fees worth doing it part-time?<br/>3. If an agency is willing to train you for free, what is the catch?<br/>4. Do agencies typically give you listings to help you jump-start your business?<br/>Anything else I should know?<br/>Thank you in advance!<br \><br \>2 replies Mon, 11 Mar 2013 21:29:00 GMT http://www.zillow.com/advice-thread/Dipping-my-toes-into-the-world-of-real-estate/482372/ 2013-03-11T21:29:00Z Will including my high-earning, low-scoring partner on my mortgage app help or hurt? http://www.zillow.com/advice-thread/Will-including-my-high-earning-low-scoring-partner-on-my-mortgage-app-help-or-hurt/479313/ My (unmarried) partner and I are looking to buy a house, but are unsure if we should apply for preapproval together or&nbsp;separately. &nbsp;My credit score is in the low 700s, but my annual salary is only in the low $30s. &nbsp;My partner has a bad credit score (550) because of some financial difficulties 5-6 years ago. &nbsp;But he's been paying his new bills for the past 3 years or so and makes over $80K a year. &nbsp;We're looking to buy a house in the $150K range with 10% down. &nbsp;We'd both be first-time homebuyers. &nbsp;Are we better off applying together, or just me on my own? &nbsp;Any advice is very appreciated!<br \><br \>5 replies Tue, 19 Feb 2013 20:24:00 GMT http://www.zillow.com/advice-thread/Will-including-my-high-earning-low-scoring-partner-on-my-mortgage-app-help-or-hurt/479313/ 2013-02-19T20:24:00Z Install Hardwood and Granite Counter Tops in Kitchen or Not? HELP! http://www.zillow.com/advice-thread/Install-Hardwood-and-Granite-Counter-Tops-in-Kitchen-or-Not-HELP/478738/ My home has been on the market for 8 months.&nbsp; It's in the higher bracket at $599,900 which is already $45K less then what I paid for it.&nbsp; So we are already taking a loss.&nbsp; Problem is we have hardwood in the living room, dining room, foyer and powder room but do not have it in the kitchen or morning room and we do not have Granite counter tops which seems to be the main feedback from buyers YET they wont make an offer for a reduced price.<br/><br/>So we were contemplating whether we should put in the Granite and Hardwood which is going to cost us about $15,000 with no guarantee that the hardwood will match the existing hardwood!&nbsp; That's alot of money to spend when the potential buyers could still come in and now complain that the flooring doesn't match.<br/><br/>The existing flooring is a High Grade Laminate that actually looks like Ceramic Tile with Grout - the floor company actually thought it was Ceramic Tile thats how high grade it looks.<br/><br/>We don't know what to do.&nbsp; PLEASE HELP with suggestions and advise!!&nbsp; We really need to sell the property this year.<br \><br \>13 replies Fri, 15 Feb 2013 12:55:00 GMT http://www.zillow.com/advice-thread/Install-Hardwood-and-Granite-Counter-Tops-in-Kitchen-or-Not-HELP/478738/ 2013-02-15T12:55:00Z