Zillow Advice RSS: Question-Discussion-Guide,All Real Estate Advice Topics http://www.zillow.com/advice/ Zillow Advice search results | Zillow Real Estate Any advice on virtual tours? http://www.zillow.com/advice-thread/Any-advice-on-virtual-tours/511524/ 3 replies Mon, 16 Sep 2013 13:36:00 GMT http://www.zillow.com/advice-thread/Any-advice-on-virtual-tours/511524/ 2013-09-16T13:36:00Z What is the minimum LTV that I need to refi a non-owner occupied in La Mesa, CA http://www.zillow.com/advice-thread/What-is-the-minimum-LTV-that-I-need-to-refi-a-non-owner-occupied-in-La-Mesa-CA/537898/ 1 reply Fri, 25 Apr 2014 02:47:00 GMT http://www.zillow.com/advice-thread/What-is-the-minimum-LTV-that-I-need-to-refi-a-non-owner-occupied-in-La-Mesa-CA/537898/ 2014-04-25T02:47:00Z Possible to get approved for a conventional loan with 5% down payment - 4 yrs after foreclosure? http://www.zillow.com/advice-thread/Possible-to-get-approved-for-a-conventional-loan-with-5-down-payment-4-yrs-after-foreclosure/537875/ My client is interested in&nbsp;purchasing a&nbsp;condo that&nbsp;is not located within an FHA approved complex. Her foreclosure is 4 years old. She can only afford 5% down max. Her credit is above 680. She'll have to get a conventional loan in this case.&nbsp;Does anyone have a&nbsp;program&nbsp;that could work for her?<br \><br \>5 replies Thu, 24 Apr 2014 23:02:00 GMT http://www.zillow.com/advice-thread/Possible-to-get-approved-for-a-conventional-loan-with-5-down-payment-4-yrs-after-foreclosure/537875/ 2014-04-24T23:02:00Z Do you have to work with a specific Realtor for FHA loans? http://www.zillow.com/advice-thread/Do-you-have-to-work-with-a-specific-Realtor-for-FHA-loans/535566/ I'm looking to buy a home within the next year or so, and I'm interested in FHA/HUD backed&nbsp;loans, but I was curious if you had to work with a particular realtor? I thought I read on the website they have to be FHA/HUD approved and be a certain realtor. <br/><br/>I'm not really sure where to start, as my wife and I are first time homebuyers and are looking for some advice. <br/><br/>Thanks!<br/>Andrew<br \><br \>20 replies Tue, 08 Apr 2014 03:14:00 GMT http://www.zillow.com/advice-thread/Do-you-have-to-work-with-a-specific-Realtor-for-FHA-loans/535566/ 2014-04-08T03:14:00Z Are there any lenders in Memphis, TN who will approve a mortgage with a 630 credit score? http://www.zillow.com/advice-thread/Are-there-any-lenders-in-Memphis-TN-who-will-approve-a-mortgage-with-a-630-credit-score/537880/ My boyfriend and I are looking to purchase a home. His credit score is 705 and mine is 631. Would we qualify for a mortgage?<br \><br \>2 replies Thu, 24 Apr 2014 23:47:00 GMT http://www.zillow.com/advice-thread/Are-there-any-lenders-in-Memphis-TN-who-will-approve-a-mortgage-with-a-630-credit-score/537880/ 2014-04-24T23:47:00Z Bankruptcy Chapter 7 discharged April 2014 http://www.zillow.com/advice-thread/Bankruptcy-Chapter-7-discharged-April-2014/537897/ Sorry I meant Chapter 13.<br/>&nbsp;My family has outgrown my household. I currently live in a 3 bedroom house with 6 members of the family. My info below<br/>Credit 613 Experian, 595 Equifax, and 623 TransUnion<br/>Current house loan $411K<br/>Zillow estimate: 355K<br/>Household income wife and I 11K monthly<br/>Recently opend one secured credit card for 500.00.<br/>Savings $40K<br/><br/>I basically need a bigger home. I am either going to add another room, $40K or if possible look into selling and buying another home.<br/><br/>Please let me know you thoughts. Thank you.&nbsp;<br \><br \>0 replies Fri, 25 Apr 2014 02:43:00 GMT http://www.zillow.com/advice-thread/Bankruptcy-Chapter-7-discharged-April-2014/537897/ 2014-04-25T02:43:00Z How do I remove photos with a blue dot and not yet uploaded?? http://www.zillow.com/advice-thread/How-do-I-remove-photos-with-a-blue-dot-and-not-yet-uploaded/537896/ 0 replies Fri, 25 Apr 2014 02:38:00 GMT http://www.zillow.com/advice-thread/How-do-I-remove-photos-with-a-blue-dot-and-not-yet-uploaded/537896/ 2014-04-25T02:38:00Z How do I delete a Photo that showes up but doesnt fully upload? http://www.zillow.com/advice-thread/How-do-I-delete-a-Photo-that-showes-up-but-doesnt-fully-upload/537895/ Trying to upload photos for new listing.<br \><br \>0 replies Fri, 25 Apr 2014 02:35:00 GMT http://www.zillow.com/advice-thread/How-do-I-delete-a-Photo-that-showes-up-but-doesnt-fully-upload/537895/ 2014-04-25T02:35:00Z How much is too low when making an offer on a house? http://www.zillow.com/advice-thread/How-much-is-too-low-when-making-an-offer-on-a-house/537882/ We are in Southern California. Our loan amount is $295,000. I am seeing homes in the $305k-$315k range that are either foreclosure, short sale or have been on the market for a while. One house I'm interested in is a short sale at $315k and has been on the market for months. Another house that was in the process of being sold a few weeks back, but now back on the market at $310k. Question: would it be outrageous for me to consider making an offer of $295k on either of these homes or not?<br \><br \>4 replies Thu, 24 Apr 2014 23:53:00 GMT http://www.zillow.com/advice-thread/How-much-is-too-low-when-making-an-offer-on-a-house/537882/ 2014-04-24T23:53:00Z Where can I find the actual price for fore closures and pre-fore closures? http://www.zillow.com/advice-thread/Where-can-I-find-the-actual-price-for-fore-closures-and-pre-fore-closures/537892/ Some listings show prices of $1000 to $1500 and I know they are more than that.<br \><br \>0 replies Fri, 25 Apr 2014 02:12:00 GMT http://www.zillow.com/advice-thread/Where-can-I-find-the-actual-price-for-fore-closures-and-pre-fore-closures/537892/ 2014-04-25T02:12:00Z Do you sell lots or acreage? http://www.zillow.com/advice-thread/Do-you-sell-lots-or-acreage/537889/ 1 reply Fri, 25 Apr 2014 01:35:00 GMT http://www.zillow.com/advice-thread/Do-you-sell-lots-or-acreage/537889/ 2014-04-25T01:35:00Z A home in neighbor hood forclosed upon. Judge ordered sale in July of first mortgage, $30,000. Sec http://www.zillow.com/advice-thread/A-home-in-neighbor-hood-forclosed-upon-Judge-ordered-sale-in-July-of-first-mortgage-30-000-Sec/537872/ <p>A home in neighbor hood forclosed upon.&nbsp; Judge ordered sale in July of first mortgage, $30,000.&nbsp; Second mortgage, judge ordered sale in August, 83,000.&nbsp; What happens if first mortgage bought for $29,000 at county courthouse.&nbsp; Will second mortgage auction occur?</p><br \><br \>2 replies Thu, 24 Apr 2014 22:42:00 GMT http://www.zillow.com/advice-thread/A-home-in-neighbor-hood-forclosed-upon-Judge-ordered-sale-in-July-of-first-mortgage-30-000-Sec/537872/ 2014-04-24T22:42:00Z HOW DO I LIST MY HOUSE IN MLS WITHOUT HIRING A REALTOR. http://www.zillow.com/advice-thread/HOW-DO-I-LIST-MY-HOUSE-IN-MLS-WITHOUT-HIRING-A-REALTOR/242173/ 90 replies Wed, 03 Jun 2009 14:10:00 GMT http://www.zillow.com/advice-thread/HOW-DO-I-LIST-MY-HOUSE-IN-MLS-WITHOUT-HIRING-A-REALTOR/242173/ 2009-06-03T14:10:00Z Bedroom regulations in California http://www.zillow.com/advice-thread/Bedroom-regulations-in-California/537234/ I was wondering what the closet regulations are for the state of California. Does a closet have to be built in, or can it be free standing and secured to the wall?<br \><br \>2 replies Sun, 20 Apr 2014 18:16:00 GMT http://www.zillow.com/advice-thread/Bedroom-regulations-in-California/537234/ 2014-04-20T18:16:00Z how do i list a home http://www.zillow.com/advice-thread/how-do-i-list-a-home/537786/ 6 replies Thu, 24 Apr 2014 14:20:00 GMT http://www.zillow.com/advice-thread/how-do-i-list-a-home/537786/ 2014-04-24T14:20:00Z I have 642 credit score and I want to know if I can buy a house around va http://www.zillow.com/advice-thread/I-have-642-credit-score-and-I-want-to-know-if-I-can-buy-a-house-around-va/537056/ I have 642 credit score and I want to know if I can buy a house ?<br \><br \>6 replies Fri, 18 Apr 2014 20:49:00 GMT http://www.zillow.com/advice-thread/I-have-642-credit-score-and-I-want-to-know-if-I-can-buy-a-house-around-va/537056/ 2014-04-18T20:49:00Z Need third party opinion on buying property http://www.zillow.com/advice-thread/Need-third-party-opinion-on-buying-property/537350/ Hi, I just moved to Charlottesville VA about 8 months ago for a new job and I've been renting.&nbsp; I'm thinking of buying property and wanted to get some ideas on if this area is a good investment.&nbsp; What are your thoughts on the appreciate of housing here?&nbsp; Here is what I noticed about the area after doing research:<br/><br/>Pros: <br/>- The city is home to UVA, which continues to grow and is one of the best universities in the nation.<br/>- Weather is not too harsh, but does snow sometimes and gets humid<br/>- Beautiful mountains, rivers, and nature.&nbsp; Historical sites including the home of Thomas Jefferson.<br/>- 2 hours from Washington DC and about 1 hour from Richmond Virginia<br/>- Easy going culture and pretty relaxing. It's a great place to live. <br/>- Great schools and good place to raise families or retire.<br/><br/>Cons:<br/>- Noticed many commercial and residential developers.&nbsp; There is a lot of land to build, and new houses are always being built which worries me of the appreciation of the current properties.&nbsp; New condos are also being&nbsp; built.<br/>- Small population, 40K in Charlottesville and about 200K in the metro area.&nbsp; If I need to change jobs, I will most likely end up in a bigger city since the job market is limited and small.<br/>- Not much public transportation.&nbsp; Property near the University are already high priced and out of range for my portfolio.&nbsp; To make close to break even cash flow, I'd have to buy a little further out of the University area (5-10min drive).<br/>- Prices are pretty high for a small city.&nbsp; Market took a major crash after housing bubble from over development and speculation. &nbsp;&nbsp; <br/><br/>Unknowns:<br/>- Plan to work for at least 2 years, but stability of young professional work force changes and I may have to move out.<br/>- Population and economic growth. Main industries (Government, Hospital, and University)<br/>&nbsp;<br \><br \>2 replies Mon, 21 Apr 2014 18:07:00 GMT http://www.zillow.com/advice-thread/Need-third-party-opinion-on-buying-property/537350/ 2014-04-21T18:07:00Z Looking to purchase a home for $35,000. http://www.zillow.com/advice-thread/Looking-to-purchase-a-home-for-35-000/537848/ 3 replies Thu, 24 Apr 2014 20:14:00 GMT http://www.zillow.com/advice-thread/Looking-to-purchase-a-home-for-35-000/537848/ 2014-04-24T20:14:00Z How do I find a rent to own? http://www.zillow.com/advice-thread/How-do-I-find-a-rent-to-own/537887/ My fiance and i are looking for a rent to own place and we don't know who to contact in order to find a place. Help?<br \><br \>1 reply Fri, 25 Apr 2014 00:56:00 GMT http://www.zillow.com/advice-thread/How-do-I-find-a-rent-to-own/537887/ 2014-04-25T00:56:00Z How can I be notified of new listing in my areas of interest as soon as they enter the market? http://www.zillow.com/advice-thread/How-can-I-be-notified-of-new-listing-in-my-areas-of-interest-as-soon-as-they-enter-the-market/537866/ 3 replies Thu, 24 Apr 2014 21:48:00 GMT http://www.zillow.com/advice-thread/How-can-I-be-notified-of-new-listing-in-my-areas-of-interest-as-soon-as-they-enter-the-market/537866/ 2014-04-24T21:48:00Z