Zillow Advice RSS: Question-Discussion-Guide,All Real Estate Advice Topics http://www.zillow.com/advice/ Zillow Advice search results | Zillow Real Estate Can I refinance from FHA loan to a 203k streamline? http://www.zillow.com/advice-thread/Can-I-refinance-from-FHA-loan-to-a-203k-streamline/597817/ Hi, we bought our house a year ago with a regular FHA and got it at a high interest rate. We've been talking to a few lenders for a regular FHA streamline to take advantage of a lower interest rate MIP rate. My questions is if we would be able to refinance with a 203k streamline to do minor upgrades and still take advantage of lower rates. Any and all advice is much appreciated. Thanks in advance.&nbsp;<br \><br \>3 replies Wed, 29 Jul 2015 22:12:00 GMT http://www.zillow.com/advice-thread/Can-I-refinance-from-FHA-loan-to-a-203k-streamline/597817/ 2015-07-29T22:12:00Z Any second chance mortgage products available? http://www.zillow.com/advice-thread/Any-second-chance-mortgage-products-available/597835/ Hello,<br/>Do you know of any 80-10-10 mortgages (with no PMI) that a homebuyer with the following characteristics can qualify for?<br/><br/>Purchase price: $930-$950K (for a primary residence)<br/>Down payment: 10%<br/>Annual W-2 salary: $210K (plus an additional $2,000/mo child support)<br/>Total Monthly Debt: $3000 (includes a mortgage on a rental property)<br/>Total additional monthly income from rental property: $2200/month<br/>Credit Issues: &nbsp;(1) Ch. 7 bankruptcy discharged in spring of 2010 and (2) FICO score between 680 and 695<br/>&nbsp;<br \><br \>0 replies Thu, 30 Jul 2015 00:22:00 GMT http://www.zillow.com/advice-thread/Any-second-chance-mortgage-products-available/597835/ 2015-07-30T00:22:00Z Bank that will grant home equity loan on investment property? http://www.zillow.com/advice-thread/Bank-that-will-grant-home-equity-loan-on-investment-property/429201/ Anyone know of a <a href="http://www.zillow.com/directory/lenders/">lender</a> who will do a <a href="http://www.zillow.com/home-equity-loan/">home equity loan</a> or HELOC using an investment property as collateral? <br/><br/>I've ran into some resistance to this at the small banks I prefer to use, so curious if anyone has had success.<br \><br \>21 replies Wed, 18 Jan 2012 18:23:00 GMT http://www.zillow.com/advice-thread/Bank-that-will-grant-home-equity-loan-on-investment-property/429201/ 2012-01-18T18:23:00Z How can I find a FREE local listing of rent to own homes? http://www.zillow.com/advice-thread/How-can-I-find-a-FREE-local-listing-of-rent-to-own-homes/491643/ 300 replies Fri, 10 May 2013 14:39:00 GMT http://www.zillow.com/advice-thread/How-can-I-find-a-FREE-local-listing-of-rent-to-own-homes/491643/ 2013-05-10T14:39:00Z Is it possible to buy a home when income is only SSDI? http://www.zillow.com/advice-thread/Is-it-possible-to-buy-a-home-when-income-is-only-SSDI/597827/ 1 reply Wed, 29 Jul 2015 23:27:00 GMT http://www.zillow.com/advice-thread/Is-it-possible-to-buy-a-home-when-income-is-only-SSDI/597827/ 2015-07-29T23:27:00Z MLS MY HOME.COM http://www.zillow.com/advice-thread/MLS-MY-HOME-COM/460924/ Did anyone use the MLS website called 'MLSmyhome.com' to list on MLS site? thanks<br \><br \>21 replies Fri, 21 Sep 2012 22:32:00 GMT http://www.zillow.com/advice-thread/MLS-MY-HOME-COM/460924/ 2012-09-21T22:32:00Z Train noise disclosure http://www.zillow.com/advice-thread/Train-noise-disclosure/597823/ Hi. I recently sold a house in Boulder. Buyer is demanding money or to rescind the sale based on that I did not disclose "train noise". There is a crossing less than a mile from the house. I never thought to disclose it, and there doesn't seem to be a good place to do so on the MLS form in any event. The trains can be heard throughout Boulder. There's also the muni airport out behind the house, across a smallish lake; not that he seems to object to that.<br/><br/>Clearly the idea of rescinding the sale is laughable. What is a bummer is spending money on lawyers. His price has been going up from the initial emails to the demand letter from his atty.<br/><br/>Other than lawyer up, any advice? Only advice I've gotten so far is that the train is "open and notorious" and that subjectively one persons loud is another's lullaby. I certain had no intent to hide any of this, and I suspect his motives are more than "mitigation".<br \><br \>1 reply Wed, 29 Jul 2015 22:50:00 GMT http://www.zillow.com/advice-thread/Train-noise-disclosure/597823/ 2015-07-29T22:50:00Z Is there a way to narrow search results based on the school rating and distance? http://www.zillow.com/advice-thread/Is-there-a-way-to-narrow-search-results-based-on-the-school-rating-and-distance/597770/ As above: I would love to be able to narrow search results based on assigned schools (E/M/H) ratings and distance. Is it possible?<br/>Thanks,<br/>Michal<br/><br \><br \>3 replies Wed, 29 Jul 2015 16:58:00 GMT http://www.zillow.com/advice-thread/Is-there-a-way-to-narrow-search-results-based-on-the-school-rating-and-distance/597770/ 2015-07-29T16:58:00Z Should I sell my house if we owe more than its worth? http://www.zillow.com/advice-thread/Should-I-sell-my-house-if-we-owe-more-than-its-worth/596054/ We bought our home in the height of the market in 2006 and now owe more than its worth. We owe $295k and the realtor wants to list it for $275k, hoping to get $265k based on comps). We need to sell because of the school system and we need more space for an inlaw arrangement for my mom. We will be purchasing a home for about $400k. &nbsp;We do have the funds to bring to closing and then enough for the down payment. &nbsp; Is it better to sell and cut our losses (also take advantage of the market and get a better deal on our new home) or wait a few years to see if the market improves?<br \><br \>9 replies Fri, 17 Jul 2015 12:27:00 GMT http://www.zillow.com/advice-thread/Should-I-sell-my-house-if-we-owe-more-than-its-worth/596054/ 2015-07-17T12:27:00Z is there any owners or agents who would like to recommend Seal Coat for buyers to raise curb appeal http://www.zillow.com/advice-thread/is-there-any-owners-or-agents-who-would-like-to-recommend-Seal-Coat-for-buyers-to-raise-curb-appeal/597825/ [spam deleted by Zillow moderator]<br \><br \>0 replies Wed, 29 Jul 2015 23:15:00 GMT http://www.zillow.com/advice-thread/is-there-any-owners-or-agents-who-would-like-to-recommend-Seal-Coat-for-buyers-to-raise-curb-appeal/597825/ 2015-07-29T23:15:00Z What Mortgage Rate/Plan Is Better? http://www.zillow.com/advice-thread/What-Mortgage-Rate-Plan-Is-Better/597804/ Trying to figure out what the best option here is.&nbsp; I'm thinking the No PMI/No Closing is even though it's the highest rate at 4.5% but I don't really know what that means otherwise and everyone always seems to say the lowest rate is the best.&nbsp; So... what IS the best?<br/><br/><br/><img width="737" height="221" src="http://photos2.zillowstatic.com/o_a/ISdsqvon1g2s951000000000.jpg" imageid="X1-IAvc6hnn1g2s951000000000_l5bzr" uploadtype="new" imagetype="8"/><br \><br \>6 replies Wed, 29 Jul 2015 19:48:00 GMT http://www.zillow.com/advice-thread/What-Mortgage-Rate-Plan-Is-Better/597804/ 2015-07-29T19:48:00Z how do i change the price? http://www.zillow.com/advice-thread/how-do-i-change-the-price/597822/ 1 reply Wed, 29 Jul 2015 22:42:00 GMT http://www.zillow.com/advice-thread/how-do-i-change-the-price/597822/ 2015-07-29T22:42:00Z Emma Hansen ReMax Ethics http://www.zillow.com/advice-thread/Emma-Hansen-ReMax-Ethics/597633/ <strong>Realtor, Emma Hansen listed her own property on Wentworth Ave. S. Bloomington, MN&nbsp; in which she flipped.&nbsp; She purchased this property herself under her own company name Real Deal Investment Solutions Inc. which is registered in a different state. Do Realtors do this to hide their true identity? Not to mention she signed the disclosure alternatives so she doesn't have to list the improvements she made to the property or the problems she may of had to deal with. Does she not trust her own craftsmanship? Then she wants the buyer&nbsp;to be preapproved with her lender. And when she actually does find a buyer, does the buyer know that Emma will be their neighbor because Emma lives across the street.&nbsp; Doesn't this need to be disclosed to the future buyer?</strong>&nbsp;&nbsp;<br \><br \>12 replies Tue, 28 Jul 2015 18:55:00 GMT http://www.zillow.com/advice-thread/Emma-Hansen-ReMax-Ethics/597633/ 2015-07-28T18:55:00Z Rates on the move again! http://www.zillow.com/advice-thread/Rates-on-the-move-again/412191/ The mortgage rate Gods are giving those fence sitters that missed last week another opportunity. I wonder if they will wait again.<br/><br/>Bring on Pasa and the charts.<br \><br \>5636 replies Thu, 18 Aug 2011 15:34:00 GMT http://www.zillow.com/advice-thread/Rates-on-the-move-again/412191/ 2011-08-18T15:34:00Z Can waterfront living be attainable and affordable in the Bay Area? http://www.zillow.com/advice-thread/Can-waterfront-living-be-attainable-and-affordable-in-the-Bay-Area/593276/ 2 replies Sat, 27 Jun 2015 23:55:00 GMT http://www.zillow.com/advice-thread/Can-waterfront-living-be-attainable-and-affordable-in-the-Bay-Area/593276/ 2015-06-27T23:55:00Z SCAM ALERT: Micheal Powell Pierce from 34 Rose Street, EH2 2NH Edinburgh Scotland looking to rent http://www.zillow.com/advice-thread/SCAM-ALERT-Micheal-Powell-Pierce-from-34-Rose-Street-EH2-2NH-Edinburgh-Scotland-looking-to-rent/382191/ &nbsp; says he works for United nations development program(UNDP) and wants to send<br/>&nbsp;<br/>&nbsp;&nbsp; you $ $1000 to hold the rental. Scams by e-mail. His e mail is <a href="mailto:micheal013pierce@gmail.com" rel="nofollow">micheal013pierce@gmail.com</a>&nbsp;&nbsp; WATCH OUT !!!<br \><br \>75 replies Sun, 23 Jan 2011 21:51:00 GMT http://www.zillow.com/advice-thread/SCAM-ALERT-Micheal-Powell-Pierce-from-34-Rose-Street-EH2-2NH-Edinburgh-Scotland-looking-to-rent/382191/ 2011-01-23T21:51:00Z how do i make an offer on a preforeclosure? http://www.zillow.com/advice-thread/how-do-i-make-an-offer-on-a-preforeclosure/590057/ 8 replies Sat, 06 Jun 2015 03:14:00 GMT http://www.zillow.com/advice-thread/how-do-i-make-an-offer-on-a-preforeclosure/590057/ 2015-06-06T03:14:00Z Can I buy a house with a 600 credit and after i just got a car? http://www.zillow.com/advice-thread/Can-I-buy-a-house-with-a-600-credit-and-after-i-just-got-a-car/597769/ I just recently got a car that I am financing because my old one had run its course.<br \><br \>5 replies Wed, 29 Jul 2015 16:51:00 GMT http://www.zillow.com/advice-thread/Can-I-buy-a-house-with-a-600-credit-and-after-i-just-got-a-car/597769/ 2015-07-29T16:51:00Z Buyer's Broker Commission Rebates? http://www.zillow.com/advice-thread/Buyer%27s-Broker-Commission-Rebates/597814/ <p>It seems to be the case that brokers (for buyers) are most helpful to find a place. In my case (in NYC ) I've narrowed down several buildings and floorplans I'd like to keep an eye out to purchase.</p><p>Given this fact, should something pop up, could anyone advise for or against the possibility of using a broker which provides a commission rebate? The one I've seen on streeteasy is the Burkhardt group but havent seen any others mentioned.Is this a good option to take if I end up having a place in mind already? I understand the closing process may be quite the hassle in itself but wouldn't trusting a commission rebate broker would be similar to trusting a generic broker I find on zillow?EDIT: Additionally, it seems redfin provides this as a commercialized service but is not available in NYC, but an option I saw was RealBate or Digs</p><br/>&nbsp;<br/><br/><br/>&nbsp;<br/><br/><br \><br \>2 replies Wed, 29 Jul 2015 21:24:00 GMT http://www.zillow.com/advice-thread/Buyer%27s-Broker-Commission-Rebates/597814/ 2015-07-29T21:24:00Z 10 Percent down options http://www.zillow.com/advice-thread/10-Percent-down-options/597773/ 6 replies Wed, 29 Jul 2015 17:25:00 GMT http://www.zillow.com/advice-thread/10-Percent-down-options/597773/ 2015-07-29T17:25:00Z