Zillow Advice RSS: Question-Discussion-Guide,All Real Estate Advice Topics http://www.zillow.com/advice/ Zillow Advice search results | Zillow Real Estate 687 Score Help http://www.zillow.com/advice-thread/687-Score-Help/570496/ Hi,<br/>325,000 Sale Price<br/>10000 seller concession<br/>FHA Approved @ 316,250 but MI is crazy, a seller concession does me no good in this scenario<br/>BK will be discharged 4 years this FEB<br/>Can I get a Conventional Loan, DU won't approve it now can it be manually underwritten would like to go 5% down 4.625 with MI in Rate<br/>USDA 29/41% We have no debt of any kind and can meet the rear ratio but was told NO locally, can this also be manually underwritten and looked at<br \><br \>5 replies Sat, 27 Dec 2014 14:28:00 GMT http://www.zillow.com/advice-thread/687-Score-Help/570496/ 2014-12-27T14:28:00Z Alternatives to standard buyer's agent arrangements http://www.zillow.com/advice-thread/Alternatives-to-standard-buyer%27s-agent-arrangements/570308/ <p class="MsoNormal">I intend to purchase a home in Texas and I could use some advice regarding alternative utilization of a buyer's agent.</p><p class="MsoNormal">I have lived in the community before and know the neighborhoods and school districts.&nbsp; I've also narrowed my search to 2-3 homes through online searches, so I don't need someone to drive me all over town.&nbsp; I want someone who is motivated to negotiate on my behalf (perhaps a tiered rebate clause in the buyer's representation agreement?).&nbsp; If they're not negotiating well, I want to fire them and NOT owe them commission on the home.&nbsp; It's not like they found the home for me or have much in sunk costs.&nbsp; Maybe skip the agent and just get a real estate lawyer?</p>Any suggestions would be greatly appreciated!<p class="MsoNormal"><br/></p><!--[if gte mso 9]><xml> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="&#45;-"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument></xml><![endif]--><!--[if gte mso 9]><xml> </xml><![endif]--><!--[if gte mso 10]><style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-style-parent:""; line-height:107%; font-size:11.0pt; font-family:"Calibri",sans-serif;}</style><![endif]--><br \><br \>71 replies Wed, 24 Dec 2014 11:19:00 GMT http://www.zillow.com/advice-thread/Alternatives-to-standard-buyer%27s-agent-arrangements/570308/ 2014-12-24T11:19:00Z i am interestred in selling my condo. how can i find its value http://www.zillow.com/advice-thread/i-am-interestred-in-selling-my-condo-how-can-i-find-its-value/570128/ 5 replies Mon, 22 Dec 2014 00:15:00 GMT http://www.zillow.com/advice-thread/i-am-interestred-in-selling-my-condo-how-can-i-find-its-value/570128/ 2014-12-22T00:15:00Z For Sale By Owner: Is selling your home yourself hard? Trying to figure our if we need to list wit http://www.zillow.com/advice-thread/For-Sale-By-Owner-Is-selling-your-home-yourself-hard-Trying-to-figure-our-if-we-need-to-list-wit/513204/ We are ready to sell our home.&nbsp; As we all know the market is truly a buyer's market.&nbsp; We are seriously considering selling our home without an agent.&nbsp; Is it hard to sell your home?&nbsp; As you know, we are trying to avoid the 6% fee.<br \><br \>20 replies Fri, 27 Sep 2013 19:03:00 GMT http://www.zillow.com/advice-thread/For-Sale-By-Owner-Is-selling-your-home-yourself-hard-Trying-to-figure-our-if-we-need-to-list-wit/513204/ 2013-09-27T19:03:00Z What is the list of costs invoved in buying a house in state of arizona, USA. http://www.zillow.com/advice-thread/What-is-the-list-of-costs-invoved-in-buying-a-house-in-state-of-arizona-USA/570492/ 2 replies Sat, 27 Dec 2014 12:25:00 GMT http://www.zillow.com/advice-thread/What-is-the-list-of-costs-invoved-in-buying-a-house-in-state-of-arizona-USA/570492/ 2014-12-27T12:25:00Z How do I list my mobile home for sale in Zillow and what is the cost? http://www.zillow.com/advice-thread/How-do-I-list-my-mobile-home-for-sale-in-Zillow-and-what-is-the-cost/570502/ 0 replies Sat, 27 Dec 2014 16:13:00 GMT http://www.zillow.com/advice-thread/How-do-I-list-my-mobile-home-for-sale-in-Zillow-and-what-is-the-cost/570502/ 2014-12-27T16:13:00Z 10% down loan on $1-2M purchase in Vail CO http://www.zillow.com/advice-thread/10-down-loan-on-1-2M-purchase-in-Vail-CO/570499/ I am seeking a mortgage on a second home in Vail CO with a purchase price between $1 and 2 million. I would like to put 10% down.<br/><br/>I have documented income over $1 million annually and credit scores between 770 and 800.<br/><br/>Is this possible?&nbsp;&nbsp;&nbsp;<br \><br \>2 replies Sat, 27 Dec 2014 15:13:00 GMT http://www.zillow.com/advice-thread/10-down-loan-on-1-2M-purchase-in-Vail-CO/570499/ 2014-12-27T15:13:00Z How difficult will it be to get a mortgage? http://www.zillow.com/advice-thread/How-difficult-will-it-be-to-get-a-mortgage/570495/ My husband is a pipeline rig welder. He works for numerous oil and gas companies. They work on the job until it over or complete, but they will work for several months straight for a single job, often working 60-80 hours/week. Some companies pay with w-2 (withholding), some pay 1099. In between jobs, he takes about 6 weeks off. So is this considered sub contractor?<br/><br/>He makes about $160K/year. Credit scores are in the 800's, never had a single late payment ever. Will be looking to spend around $300K for a new home with at least $200K down, so the mortgage will be for $100K or less.&nbsp;<br/><br/>How will underwriters look at his income? His weekly checks can easily be $5000+ but he doesn't make that for 52 weeks per year.&nbsp;<br/><br/>&nbsp;<br \><br \>5 replies Sat, 27 Dec 2014 14:15:00 GMT http://www.zillow.com/advice-thread/How-difficult-will-it-be-to-get-a-mortgage/570495/ 2014-12-27T14:15:00Z Why don't you list what floor bedrooms are on? RedFin does, and it is a good feature. http://www.zillow.com/advice-thread/Why-don%27t-you-list-what-floor-bedrooms-are-on-RedFin-does-and-it-is-a-good-feature/570439/ We are looking for a house with a main floor bedroom and when you don't specify where bedrooms are located it makes it harder to judge whether this is something worth our looking at or not. There are so many listings that one needs to scan them quickly to see whether to spend time looking at them or not, and it is impossible to guess from your pictures about the bedrooms layout.<br \><br \>3 replies Fri, 26 Dec 2014 20:48:00 GMT http://www.zillow.com/advice-thread/Why-don%27t-you-list-what-floor-bedrooms-are-on-RedFin-does-and-it-is-a-good-feature/570439/ 2014-12-26T20:48:00Z How do you list Land for Sale? http://www.zillow.com/advice-thread/How-do-you-list-Land-for-Sale/570498/ <p>there isn't a tab for undeveloped land that I can find. How do you list property for sale?</p><p>Tks</p><p>Bill Gates is the AntiChrist</p><br \><br \>1 reply Sat, 27 Dec 2014 14:42:00 GMT http://www.zillow.com/advice-thread/How-do-you-list-Land-for-Sale/570498/ 2014-12-27T14:42:00Z Why isn't my listing MLS# 4397110 showing up when I search? My other listing do. http://www.zillow.com/advice-thread/Why-isn%27t-my-listing-MLS-4397110-showing-up-when-I-search-My-other-listing-do/570318/ <p>Why isn't my listing MLS# 4397110 showing up when I search? My other listings do.</p><br \><br \>2 replies Wed, 24 Dec 2014 16:03:00 GMT http://www.zillow.com/advice-thread/Why-isn%27t-my-listing-MLS-4397110-showing-up-when-I-search-My-other-listing-do/570318/ 2014-12-24T16:03:00Z Is it worth it to do a fha streamline refi if my current fha rate is at 4.5%? http://www.zillow.com/advice-thread/Is-it-worth-it-to-do-a-fha-streamline-refi-if-my-current-fha-rate-is-at-4-5/570462/ <p>My loan is only 6months old and I did not get a good rate due to my credit being around (670). Would it be worth it to do a streamline refi now? &nbsp;even if the saving is only about $100 it would be worth it to me. My current loan amount is around 315k. I understand there is no credit checks with these refi's</p><br \><br \>4 replies Sat, 27 Dec 2014 03:29:00 GMT http://www.zillow.com/advice-thread/Is-it-worth-it-to-do-a-fha-streamline-refi-if-my-current-fha-rate-is-at-4-5/570462/ 2014-12-27T03:29:00Z Will a cosigner help me to secure my first time mortgage loan? http://www.zillow.com/advice-thread/Will-a-cosigner-help-me-to-secure-my-first-time-mortgage-loan/570494/ My credit score is around 600. I must get a mortgage loan to buy mom's house from her estate. If I have a cosigner with excellent credit will it help me to ensure a loan? The loan will only be around $50,000. &nbsp;It's been my home for many years and I have nowhere else to go. So it's imperative that I keep it.<br \><br \>0 replies Sat, 27 Dec 2014 13:28:00 GMT http://www.zillow.com/advice-thread/Will-a-cosigner-help-me-to-secure-my-first-time-mortgage-loan/570494/ 2014-12-27T13:28:00Z can i qualify for a loan with a 632 credit score http://www.zillow.com/advice-thread/can-i-qualify-for-a-loan-with-a-632-credit-score/570447/ I have a 632 credit score and my wife has a 582, can we qualify for a mortage in Maryland?<br \><br \>2 replies Sat, 27 Dec 2014 00:24:00 GMT http://www.zillow.com/advice-thread/can-i-qualify-for-a-loan-with-a-632-credit-score/570447/ 2014-12-27T00:24:00Z Thoughts on mortgage rates http://www.zillow.com/advice-thread/Thoughts-on-mortgage-rates/570454/ Hi, the house we will be purchasing needs to be closed on in June. If we find a really good rate, would you reend locking it or should we wait until March to start the mortgage process? Thanks in advance<br \><br \>4 replies Sat, 27 Dec 2014 01:23:00 GMT http://www.zillow.com/advice-thread/Thoughts-on-mortgage-rates/570454/ 2014-12-27T01:23:00Z what is the minimum down payment on a second home http://www.zillow.com/advice-thread/what-is-the-minimum-down-payment-on-a-second-home/570461/ 2 replies Sat, 27 Dec 2014 03:26:00 GMT http://www.zillow.com/advice-thread/what-is-the-minimum-down-payment-on-a-second-home/570461/ 2014-12-27T03:26:00Z Can Bank's Personal Line of Credit be applied during closing? http://www.zillow.com/advice-thread/Can-Bank%27s-Personal-Line-of-Credit-be-applied-during-closing/570463/ Greetings!<br/><br/>The Bank has approved me a Personal Line of Credit and the amount is sitting in my account. Can I use this Personal Line Of Credit towards my House closing?<br/><br/>Please advice.<br/><br/>Thanks in advance<br \><br \>2 replies Sat, 27 Dec 2014 04:00:00 GMT http://www.zillow.com/advice-thread/Can-Bank%27s-Personal-Line-of-Credit-be-applied-during-closing/570463/ 2014-12-27T04:00:00Z In hawaii, can private parties transfer home property withouth paying brokers/agents http://www.zillow.com/advice-thread/In-hawaii-can-private-parties-transfer-home-property-withouth-paying-brokers-agents/570467/ My friend wishes to sell me his townhome, which he owns outright. &nbsp;We have agreed on general terms.. can we do this without paying brokers/agents. &nbsp;If so, where can I find resource information on the process for the sales contract and ownership transfer?<br \><br \>3 replies Sat, 27 Dec 2014 04:49:00 GMT http://www.zillow.com/advice-thread/In-hawaii-can-private-parties-transfer-home-property-withouth-paying-brokers-agents/570467/ 2014-12-27T04:49:00Z my home value is wrong how do i correct it http://www.zillow.com/advice-thread/my-home-value-is-wrong-how-do-i-correct-it/570414/ 6 replies Fri, 26 Dec 2014 15:23:00 GMT http://www.zillow.com/advice-thread/my-home-value-is-wrong-how-do-i-correct-it/570414/ 2014-12-26T15:23:00Z how do I find a facility of two floors appropiate for a daycare? http://www.zillow.com/advice-thread/how-do-I-find-a-facility-of-two-floors-appropiate-for-a-daycare/570488/ I would like something in jersey city, journal sq, perthamboy, maplewood? upper middle class areas<br \><br \>0 replies Sat, 27 Dec 2014 10:27:00 GMT http://www.zillow.com/advice-thread/how-do-I-find-a-facility-of-two-floors-appropiate-for-a-daycare/570488/ 2014-12-27T10:27:00Z