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Where can I get a copy of my home survey? http://www.zillow.com/advice-thread/Help-Where-can-I-get-a-copy-of-my-home-survey/559708/ Hello,<br/>I've been looking everywhere for a copy of my survey for my existing home, but could not find it..<br/>Does the title co. provide a copy of the survey at closing?<br/>I leave in Collin county Texas..&nbsp;<br/>Does the appraisal district keep copies?<br/>It is frustrating as it may delay the whole refinancing closing..<br/>&nbsp;&nbsp;<br \><br \>2 replies Thu, 18 Sep 2014 02:36:00 GMT http://www.zillow.com/advice-thread/Help-Where-can-I-get-a-copy-of-my-home-survey/559708/ 2014-09-18T02:36:00Z What should I do? http://www.zillow.com/advice-thread/What-should-I-do/559623/ What should I do, if&nbsp;I been&nbsp;given 30 days to leave a house that I&nbsp;been paying&nbsp;Electric and Water Bill,&nbsp;but I have not signed a lease.&nbsp;And I was asked to sign a lease two days after I was told to leave.&nbsp;And the lady that owns the house is staying at the home with me.&nbsp; I have also paid for the inspections and the repairs in the home. And I still have not been repaid.<br \><br \>2 replies Wed, 17 Sep 2014 13:59:00 GMT http://www.zillow.com/advice-thread/What-should-I-do/559623/ 2014-09-17T13:59:00Z The house I am going to rent, how can I tell if its in preforeclosure or foreclosure. http://www.zillow.com/advice-thread/The-house-I-am-going-to-rent-how-can-I-tell-if-its-in-preforeclosure-or-foreclosure/559732/ Am wondering because no inside shots of house... just aerial shot??&nbsp; Thanks<br \><br \>2 replies Thu, 18 Sep 2014 10:25:00 GMT http://www.zillow.com/advice-thread/The-house-I-am-going-to-rent-how-can-I-tell-if-its-in-preforeclosure-or-foreclosure/559732/ 2014-09-18T10:25:00Z as buyers do we have to work with the listing agent? http://www.zillow.com/advice-thread/as-buyers-do-we-have-to-work-with-the-listing-agent/559743/ the listing agent did not make me feel very comfortable - he acted like I knew nothing and acted like he was going to make it harder on me because I was unattractive and not married - he kept asking why I wasn't married, why I didn't have kids - as if that is always a selfish choice - good grief - can we contact any agent to show us a house for sale????<br \><br \>3 replies Thu, 18 Sep 2014 13:30:00 GMT http://www.zillow.com/advice-thread/as-buyers-do-we-have-to-work-with-the-listing-agent/559743/ 2014-09-18T13:30:00Z It is possible to speed up the short sale process? http://www.zillow.com/advice-thread/It-is-possible-to-speed-up-the-short-sale-process/400125/ <p class="MsoNormal">Hello,<br/><br/>I have made an offer for a short sale home.&nbsp; The seller has accepted and now I am just waiting on BOA to accept as well. Is there anything&nbsp;I or my realtor can do to move the process along?&nbsp;He has done many short sales and said on average they can take 3 months but there is no guarantee. It has been a month now since the paperwork has been signed.&nbsp; I know this is a long process but I feel like I am floating in limbo.&nbsp; Thanks!</p><br \><br \>27 replies Mon, 23 May 2011 19:58:00 GMT http://www.zillow.com/advice-thread/It-is-possible-to-speed-up-the-short-sale-process/400125/ 2011-05-23T19:58:00Z get out of a 6 month contract with my real estate agent http://www.zillow.com/advice-thread/get-out-of-a-6-month-contract-with-my-real-estate-agent/559738/ I am about 4 months in with my agent and she has shown my house to 1 person... the other day i found someone who wants to buy my house threw a friend of a friend who was looking to buy. My real estate agent has done nothing and i feel like i shouldn't have to get her a cut of anything. is there anyway to get out of this stupid contract? if not how long do i have to wait till i can sell my house on my own?&nbsp;<br \><br \>1 reply Thu, 18 Sep 2014 12:48:00 GMT http://www.zillow.com/advice-thread/get-out-of-a-6-month-contract-with-my-real-estate-agent/559738/ 2014-09-18T12:48:00Z buying a bigger house. http://www.zillow.com/advice-thread/buying-a-bigger-house/552919/ We thinking to go for a bigger house but not sure how to approach this.<br/>We own our home outright and afraid to sell it before&nbsp; sealing the deal on the house we want to purchase but how&nbsp; do we provide proof of funds&nbsp; without selling it first? 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Can somebody tell me if you had any bad experience with t http://www.zillow.com/advice-thread/I-saw-some-bad-reviews-about-this-company-Can-somebody-tell-me-if-you-had-any-bad-experience-with-t/559709/ 3 replies Thu, 18 Sep 2014 02:42:00 GMT http://www.zillow.com/advice-thread/I-saw-some-bad-reviews-about-this-company-Can-somebody-tell-me-if-you-had-any-bad-experience-with-t/559709/ 2014-09-18T02:42:00Z Claiming sale of property, but Zillow indicates previous claim by another Agent http://www.zillow.com/advice-thread/Claiming-sale-of-property-but-Zillow-indicates-previous-claim-by-another-Agent/559739/ Apparently there is a problem with sales being claimed. I am trying to claim my previous listings sold and sales for buyer, On several of these I am getting a message saying previously claimed by another Agent, I claim it anyway and receive an email saying another agent claimed my sale, but they are both me?? Apparently tied to different email address. Can't find a number to call to talk to anybody. Getting generic email responses from Agent support. Can someone help me/?? getting very frustrated!!!<br \><br \>0 replies Thu, 18 Sep 2014 13:00:00 GMT http://www.zillow.com/advice-thread/Claiming-sale-of-property-but-Zillow-indicates-previous-claim-by-another-Agent/559739/ 2014-09-18T13:00:00Z How do I put my villa for rent on Zillow http://www.zillow.com/advice-thread/How-do-I-put-my-villa-for-rent-on-Zillow/559737/ I have a villa/condo in Delray Beach for rent or sale. I'd like to put it on Zillow.<br \><br \>0 replies Thu, 18 Sep 2014 12:10:00 GMT http://www.zillow.com/advice-thread/How-do-I-put-my-villa-for-rent-on-Zillow/559737/ 2014-09-18T12:10:00Z LTV calculation for FHA MIP cancellation http://www.zillow.com/advice-thread/LTV-calculation-for-FHA-MIP-cancellation/558728/ I just noticed that LTV %s shown in the amortization schedule of my refi closing docs imply a "value" that is not equal to the appraised value. If I divide the remaining balances by the resulting LTVs, I get an implied value of ~$247,250 (+/-).<br/><br/>The appraised value at refi (3/2013) was $243K. The refi loan balance was $231,990, including the UFMIP of $3,990, so pre-UFMIP was $228K.<br/><br/>If I produce an amortization assuming an orig loan of $228K and then calculate the LTVs based on that and a value of $243K, I match what's shown in the closing docs amortization.<br/><br/>I knew that the initial LTV calc (for purposes of determining MIP rate and such) used the pre-UFMIP loan amount, but I've been using 0.78 * 243K as an estimate of when I'll be able to cancel MIP. That amount is $189,540. However, the actual loan amount needed for cancelling would seem to be ~$193,200... that amount includes the remaining UFMIP balance of ~$3,300.<br/><br/>Is any part of that analysis incorrect? The only thing I'm really doubting is the UFMIP balance portion. That $3,300 is what the amortization stream implies in mid-2016. However, the current remaining balance of the UFMIP portion of the loan is ~$3,650. Does anyone know exactly how it's calculated for MIP cancellation purposes? I guess it would only be ~$350 more in the worse case scenario, so nothing huge.&nbsp; I'm just curious how the FHA calculates it. It would be more "accurate" to not require the UFMIP balance to be paid down, but only require to non-UFMIP portion to hit 78% of value.<br/><br/>I'm looking at this because I'm considering paying down the loan to cancel the 60bp MIP now rather than waiting until 2016. I was thinking it'd cost me ~$24,400, but now I realize it'll only cost me ~$20,700. I just need to decide whether the ~$100/mth savings on MIP is worth dropping my savings from $30K to $10K. The investment return would be ~6%/yr.<br \><br \>9 replies Wed, 10 Sep 2014 16:45:00 GMT http://www.zillow.com/advice-thread/LTV-calculation-for-FHA-MIP-cancellation/558728/ 2014-09-10T16:45:00Z How can I set up a search for condo sales only? http://www.zillow.com/advice-thread/How-can-I-set-up-a-search-for-condo-sales-only/559300/ My "search" is bringing me single family homes mixed in with condos. I'm ONLY interested in seeing condos located in the Excelsior and Grand development in St. Louis Park. Please advise.<br \><br \>2 replies Mon, 15 Sep 2014 12:21:00 GMT http://www.zillow.com/advice-thread/How-can-I-set-up-a-search-for-condo-sales-only/559300/ 2014-09-15T12:21:00Z Are there loans available for double wide with acreage in SC? http://www.zillow.com/advice-thread/Are-there-loans-available-for-double-wide-with-acreage-in-SC/559260/ I own a 1995 double wide on approx. 7 acres in Hampton, SC. I would like to sell it but buyers cannot find lending. It is currently rented. My bank ordered an appraisal in 2013 for renewal of my loan. The total value was $70k with the value estimated in land about $6k per acre. Are there loans available and if not, could I re-structure the sale in anyway to enable a buyer to obtain a loan?<br \><br \>5 replies Sun, 14 Sep 2014 23:59:00 GMT http://www.zillow.com/advice-thread/Are-there-loans-available-for-double-wide-with-acreage-in-SC/559260/ 2014-09-14T23:59:00Z Need help with fha approval http://www.zillow.com/advice-thread/Need-help-with-fha-approval/559712/ We had a bankruptcy (7) discharged in early 2011. Credit scores are 676/667/708 (wife), 694/693/726. Re established credit after bankruptcy with car loan paid in 2013, present car loan over one year. Wife has 2 small credit cards with small credit lines and zero balances that are over one year old. I am on her CC accts as authorized user. She has an AMEX Card that will be a year old in January. It has a balance. I have a MasterCard that is only 4 months old. All accounts were and are paid on time. Rent history for the last 12 months includes only 11 canceled checks. One month I paid cash. There were 3 payments I payed after grace period(5-15 days late) so the amount included an extra $30. My question is...will my wife and I qualify for a FHA Mortgage.<br \><br \>3 replies Thu, 18 Sep 2014 03:18:00 GMT http://www.zillow.com/advice-thread/Need-help-with-fha-approval/559712/ 2014-09-18T03:18:00Z Piggyback mortgage in NH http://www.zillow.com/advice-thread/Piggyback-mortgage-in-NH/552752/ We are buying a house, we have 10% down and would like to know if for us would be better to pay PMI or get a piggyback mortgage.<br/><br/>House is 250K, we have 25K plus closing costs. Credit 766.<br/><br/>Also, is there any lender that does piggybacks in NH?<br \><br \>4 replies Sat, 02 Aug 2014 15:48:00 GMT http://www.zillow.com/advice-thread/Piggyback-mortgage-in-NH/552752/ 2014-08-02T15:48:00Z Is the 10 year bond yield the best indicator of mortage rates,or is there abetter indicator http://www.zillow.com/advice-thread/Is-the-10-year-bond-yield-the-best-indicator-of-mortage-rates-or-is-there-abetter-indicator/559508/ 11 replies Tue, 16 Sep 2014 18:32:00 GMT http://www.zillow.com/advice-thread/Is-the-10-year-bond-yield-the-best-indicator-of-mortage-rates-or-is-there-abetter-indicator/559508/ 2014-09-16T18:32:00Z How long before flood gates of unqualified borrowers are opened (again) http://www.zillow.com/advice-thread/How-long-before-flood-gates-of-unqualified-borrowers-are-opened-again/548114/ With Irrational Exuberance 2.0 in full swing driven by Private Equity Investors. &nbsp;How long before PE pulls out and the void of demand (seeing this now) causes law makers to again allow for lacks lending rules. &nbsp;<br/><br/>I'm blown away that people with sub 700 scores are allowed to get 90%+ LTV. &nbsp;That's absolute insanity and ridiculous given what just happen to the markets. &nbsp;<br/><br/>How long before we see the hands of politicians greased allowing for the flood of unqualified borrowers again. &nbsp;<br/><br/>Subprime 2.0 followed by quazi-depression 3.0<br \><br \>5 replies Wed, 02 Jul 2014 05:45:00 GMT http://www.zillow.com/advice-thread/How-long-before-flood-gates-of-unqualified-borrowers-are-opened-again/548114/ 2014-07-02T05:45:00Z