Zillow Advice RSS: Question-Discussion-Guide,All Real Estate Advice Topics http://www.zillow.com/advice/ Zillow Advice search results | Zillow Real Estate Can anyone actually name a lender that will do a HARP refinance on a loan with LPMI? http://www.zillow.com/advice-thread/Can-anyone-actually-name-a-lender-that-will-do-a-HARP-refinance-on-a-loan-with-LPMI/493290/ 4 replies Tue, 21 May 2013 17:10:00 GMT http://www.zillow.com/advice-thread/Can-anyone-actually-name-a-lender-that-will-do-a-HARP-refinance-on-a-loan-with-LPMI/493290/ 2013-05-21T17:10:00Z Should buyers write non contingent offers? http://www.zillow.com/advice-thread/Should-buyers-write-non-contingent-offers/493305/ This is the newest trend in the Bay Area, how risky is this practice?<br \><br \>1 reply Tue, 21 May 2013 18:46:00 GMT http://www.zillow.com/advice-thread/Should-buyers-write-non-contingent-offers/493305/ 2013-05-21T18:46:00Z Zillow's estimate of our house $50k lower than identical house on smaller lot is hurting our value. http://www.zillow.com/advice-thread/Zillow%27s-estimate-of-our-house-50k-lower-than-identical-house-on-smaller-lot-is-hurting-our-value/493307/ Our house @ 2462 Silver Sage dr, Las Cruces, NM, you value @ 224,759. Identical home @ 2544 Tuscan Hills ln is valued at 271,635. and on a smaller lot with a noisy street behind it. This is hurting our chances of potential sales as clients keep telling us that. Ours is priced at 239,500 and theirs is @ 279,900. Will you please get the facts and values correct?<br \><br \>2 replies Tue, 21 May 2013 18:48:00 GMT http://www.zillow.com/advice-thread/Zillow%27s-estimate-of-our-house-50k-lower-than-identical-house-on-smaller-lot-is-hurting-our-value/493307/ 2013-05-21T18:48:00Z How do I find out what our net profit will be when selling a home FSBO? http://www.zillow.com/advice-thread/How-do-I-find-out-what-our-net-profit-will-be-when-selling-a-home-FSBO/493293/ We are FSBO and our house is under contract, but I don't know how to figure out what exactly our net profit will be. &nbsp;Who can figure that out for us? Our lender for the new mortgage, the title company handling the current sale of our house? &nbsp; Thanks!<br \><br \>2 replies Tue, 21 May 2013 17:38:00 GMT http://www.zillow.com/advice-thread/How-do-I-find-out-what-our-net-profit-will-be-when-selling-a-home-FSBO/493293/ 2013-05-21T17:38:00Z Partially Complete New Build http://www.zillow.com/advice-thread/Partially-Complete-New-Build/493288/ I am interested in purchasing a partially completed, new build, three unit building on Chicago's northwest side. The building is approximately 30-40% complete. I would like to purchase and complete the building and then rent out two of the units and live in the third.<br/><br/>What type of financing is available for this type of property? What type of interest rates are available?<br/><br/>Are there any tax benefits or shortfalls to building a property as opposed to purchasing a used property? Any other benefits aside from less upkeep and greater appeal?<br/><br/>Thanks for the help!<br/><br/>David<br \><br \>3 replies Tue, 21 May 2013 16:52:00 GMT http://www.zillow.com/advice-thread/Partially-Complete-New-Build/493288/ 2013-05-21T16:52:00Z How do I contact Bank Departments that handle foreclosures directly? http://www.zillow.com/advice-thread/How-do-I-contact-Bank-Departments-that-handle-foreclosures-directly/493302/ I'm helping my children find a home and there are many foreclosures in our market area, I can find the ones foreclosed and owned by the bank. I want to contact the Bank before they send the property to a realtor (which can takes months after the foreclosure sale)....but I cannot find information on the websites about how to contact them directly. &nbsp;<br/>thanks, Gloria<br \><br \>2 replies Tue, 21 May 2013 18:21:00 GMT http://www.zillow.com/advice-thread/How-do-I-contact-Bank-Departments-that-handle-foreclosures-directly/493302/ 2013-05-21T18:21:00Z Would anyone have a list trusted local lenders? http://www.zillow.com/advice-thread/Would-anyone-have-a-list-trusted-local-lenders/493314/ Hi, I'm from New York and planning to move Carmel, IN. I would like to get pre approved first before looking for a home. Would anyone have a list of trusted local lenders?<br/><br/>You can e-mail me at movingtocarmel@gmail.com, Thank you in advance<br/><br/>Waylon<br \><br \>0 replies Tue, 21 May 2013 19:13:00 GMT http://www.zillow.com/advice-thread/Would-anyone-have-a-list-trusted-local-lenders/493314/ 2013-05-21T19:13:00Z You have reported erroneous inofrmation. How do I get you to stop doing it and and remove it from yo http://www.zillow.com/advice-thread/You-have-reported-erroneous-inofrmation-How-do-I-get-you-to-stop-doing-it-and-and-remove-it-from-yo/493312/ 0 replies Tue, 21 May 2013 19:03:00 GMT http://www.zillow.com/advice-thread/You-have-reported-erroneous-inofrmation-How-do-I-get-you-to-stop-doing-it-and-and-remove-it-from-yo/493312/ 2013-05-21T19:03:00Z One of my clients recommendations was deleted and I sold another house she owns??? http://www.zillow.com/advice-thread/One-of-my-clients-recommendations-was-deleted-and-I-sold-another-house-she-owns/493311/ I have sold to her over the past 16 years and it has been deleted. Can you explain? Thank you Janet Livingston<br \><br \>0 replies Tue, 21 May 2013 18:59:00 GMT http://www.zillow.com/advice-thread/One-of-my-clients-recommendations-was-deleted-and-I-sold-another-house-she-owns/493311/ 2013-05-21T18:59:00Z ALERT - Rental Scams on Zillow, Trulia, Hotpads, Postlets - SCAM WARNING http://www.zillow.com/advice-thread/ALERT-Rental-Scams-on-Zillow-Trulia-Hotpads-Postlets-SCAM-WARNING/490780/ If you found this posting by using a search for a phone number, you are likely dealing with a scammer.<br/><br/><strong>Scammers are using (323)620-8020 (SCAMMERS)</strong> to created dozens of rental listings all across the United States.<br/><br/>- They create these fraudlent (fake) rental listings on Postlets.com <br/>- Photos are stolen from either homes that are currently for sale, or previously for sale, with photos of the entire that show the property as vacant.<br/>- From there, the fake listing is placed on Postlets.com and it is syndicated to dozens of other rental websites. ( Zillow.com, Trulia.com, Hotpads.com and more )<br/><br/>- The rent is <strong>EXTREMELY CHEAP</strong> compared to similarly priced homes for the area. &nbsp;( <strong>Too good to be true</strong> )<br/><br/>- You write or call them to inquire about the property.<br/>- They reply with any number of reasons for not being in the city where the property is located ( out of town on business, out of the country on a Missionary trip, or some other God Fearing adventure )<br/><br/>- The ultimate goal is for YOU to sent the SCAMMER money for a Security deposit VIA Western Union, in exchange for them to commit to them leasing the property to you, and they will FED-EX you the keys.<br/><br/><strong>The scammer using&nbsp;(323)620-8020</strong> has ads all over the USA scamming people out of hard earned money. &nbsp;As soon as the scammer collects the money from Western Union, the money is GONE FOREVER, no chance to recover, ever. (never)<br/><br/>Do not give money to ANYONE that you can't see the whites of their eyes. &nbsp;You will see a lot of these scams, and that is because they work some of the time. &nbsp;<br \><br \>23 replies Sat, 04 May 2013 05:36:00 GMT http://www.zillow.com/advice-thread/ALERT-Rental-Scams-on-Zillow-Trulia-Hotpads-Postlets-SCAM-WARNING/490780/ 2013-05-04T05:36:00Z value of my home in Safety Harbor, FL 34695 http://www.zillow.com/advice-thread/value-of-my-home-in-Safety-Harbor-FL-34695/493309/ 0 replies Tue, 21 May 2013 18:53:00 GMT http://www.zillow.com/advice-thread/value-of-my-home-in-Safety-Harbor-FL-34695/493309/ 2013-05-21T18:53:00Z I want to sell my house but should I remortgage first, just in case it doesn't sell right away? http://www.zillow.com/advice-thread/I-want-to-sell-my-house-but-should-I-remortgage-first-just-in-case-it-doesn%27t-sell-right-away/493247/ I would like to sell my house in St. Clair Shores, MI as soon as possible but I've been told that your refinancing application will not be approved if you have listed your house for sale in the the last 6 months. Is this true? Because if it doesn't sell relatively quickly (by the end of summer) I would like to refinance as I will have to move back into that house.&nbsp;<br \><br \>5 replies Tue, 21 May 2013 10:46:00 GMT http://www.zillow.com/advice-thread/I-want-to-sell-my-house-but-should-I-remortgage-first-just-in-case-it-doesn%27t-sell-right-away/493247/ 2013-05-21T10:46:00Z I am putting an offer in on a short sale but it is bank approved and can close before June 24th http://www.zillow.com/advice-thread/I-am-putting-an-offer-in-on-a-short-sale-but-it-is-bank-approved-and-can-close-before-June-24th/493155/ I am putting an offer in on a short sale but it is bank approved and can close before June 24th-what exactly does this mean? I know short sales can be scary but this one doesn't seem to have the same concerns-am I right? Also is it true I can pull out of it at any time after the offer is accepted or are there certain conditions? I'm wondering if I need to go back and check it out, since I didn't really do my own inspection( check water pressure, faucet leaks ect)-will I have time to do that later? Im so nervous!<br \><br \>3 replies Mon, 20 May 2013 18:04:00 GMT http://www.zillow.com/advice-thread/I-am-putting-an-offer-in-on-a-short-sale-but-it-is-bank-approved-and-can-close-before-June-24th/493155/ 2013-05-20T18:04:00Z Posting to MLS as For Sale By Owner http://www.zillow.com/advice-thread/Posting-to-MLS-as-For-Sale-By-Owner/493301/ Hi,<br/><br/>I was wondering if anyone knows of some reputable companies to put my listing in MLS that won't hurt my selling process. &nbsp;I have seen a few online but their reviews haven't been the best (i.e. owners.com). &nbsp;I have also been told that when realtors see ISoldMyHouse.com they stay away from those listings, is this true? &nbsp;I am selling in Massachusetts. &nbsp;Thanks in advance for any help.<br/><br/>Thanks,<br/>Jay<br \><br \>3 replies Tue, 21 May 2013 18:05:00 GMT http://www.zillow.com/advice-thread/Posting-to-MLS-as-For-Sale-By-Owner/493301/ 2013-05-21T18:05:00Z Short sale question:If the initial offer is submitted to the home owners and accepted then rejec http://www.zillow.com/advice-thread/Short-sale-question-If-the-initial-offer-is-submitted-to-the-home-owners-and-accepted-then-rejec/493278/ 5 replies Tue, 21 May 2013 16:19:00 GMT http://www.zillow.com/advice-thread/Short-sale-question-If-the-initial-offer-is-submitted-to-the-home-owners-and-accepted-then-rejec/493278/ 2013-05-21T16:19:00Z short sale http://www.zillow.com/advice-thread/short-sale/493291/ i short sale my property back in 2009 and it has 1st and second loan! The second loan remain open untill i settled last year 2012. My question is do i wait another 3yrs from the time i settled the second to be qualified for an FHA loan???<br \><br \>2 replies Tue, 21 May 2013 17:14:00 GMT http://www.zillow.com/advice-thread/short-sale/493291/ 2013-05-21T17:14:00Z Any hope for a refinance when NOT backed by Freddie or Fannie when underwater?? http://www.zillow.com/advice-thread/Any-hope-for-a-refinance-when-NOT-backed-by-Freddie-or-Fannie-when-underwater/493188/ Good afternoon!!!! Here is my situation, I really hope someone has a good idea so that I can refinance at these great rates. * My appraisal on my house came back lower than what I owe. Therefore, I am unable to refinance through my bank, Chase. Of course found that out after the non|refundable fee * My loans are NOT Freddie, Fannie, FHA, or VA * Credit is excellent * I have never missed a loan payment * I own my own business, but I have passed the three year mark. This has become so frustrating. I tried to refinance shortly after losing my job and starting my own business and I was turned down. I just tried again after waiting the three years of having my own business. The finances are now fine but my LTV is too high from a renovation I had done 1.5 years ago. I am over 6% right now. Any option?????????? Thank you!!!!!!<br \><br \>2 replies Mon, 20 May 2013 21:16:00 GMT http://www.zillow.com/advice-thread/Any-hope-for-a-refinance-when-NOT-backed-by-Freddie-or-Fannie-when-underwater/493188/ 2013-05-20T21:16:00Z Can I apply for a Quicken Loan in person and not online? http://www.zillow.com/advice-thread/Can-I-apply-for-a-Quicken-Loan-in-person-and-not-online/493297/ 2 replies Tue, 21 May 2013 17:54:00 GMT http://www.zillow.com/advice-thread/Can-I-apply-for-a-Quicken-Loan-in-person-and-not-online/493297/ 2013-05-21T17:54:00Z Rental Scams in San Diego and Oceanside on Trulia and Zillow and Postlets http://www.zillow.com/advice-thread/Rental-Scams-in-San-Diego-and-Oceanside-on-Trulia-and-Zillow-and-Postlets/489805/ IF YOU HAVE SEARCHED FOR AN EMAIL OR PHONE NUMBER - AND IT CAME UP IN YOUR SEARCH RESULTS - IT'S A SCAM!<br/><br/>Active Example:<br/>- A new home was put on the market for sale, 5239 Malcolm St, Oceanside CA 92056<br/><br/>- Scammers from Nigeria created a Rental Listing in Postlets.com using ALL OF THE EXACT SAME PHOTOS from the new listing.<br/><br/>- The Postlets.com website&nbsp;<a href="http://www.postlets.com/rtpb/9124323" rel="nofollow">http://www.postlets.com/rtpb/9124323</a>&nbsp; Will then take that new listing and send it to many other rental websites such as Trulia, Zillow, Hotpad.com and others.<br/><br/>- Scammers put their email address and a phone number in the REMARKS SECTION of the advertisement.&nbsp;<br/><br/>- You call or email the Scammers asking about the property that should rent for $2200 per month, that is offered for rent for only $1,300 per month. (HUGE RED FLAG)<br/><br/>- The phone number is an out of state phone number, and email is Hotmail or Yahoo. &nbsp;You're NOT DEALING WITH A&nbsp;LICENSED&nbsp;PROFESSIONAL REAL ESTATE AGENT. &nbsp;<br/><br/>- The Scammer has a story that they're out of the country, they will rent it to you (along with anyone who calls) if you wire transfer them a security deposit. &nbsp;Send over a security deposit, and the property is yours. &nbsp;( The property will not be yours, but the money will be theirs. &nbsp;AND as soon as Western Union sends the money, it's gone for good )<br/><br/>-&nbsp;DO NOT LET TEXTING FOOL YOU - Services on the internet can create a number in the USA that ANYONE can text to and from with a USA Phone Number. &nbsp;You think they're in the United States, but they're in Africa, outside the jurisdiction of the United States.<br \><br \>55 replies Sat, 27 Apr 2013 17:37:00 GMT http://www.zillow.com/advice-thread/Rental-Scams-in-San-Diego-and-Oceanside-on-Trulia-and-Zillow-and-Postlets/489805/ 2013-04-27T17:37:00Z Looking to purchase a foreclosure condo or house. How do i go about doing this. Treasure Island area http://www.zillow.com/advice-thread/Looking-to-purchase-a-foreclosure-condo-or-house-How-do-i-go-about-doing-this-Treasure-Island-area/493292/ 1 reply Tue, 21 May 2013 17:33:00 GMT http://www.zillow.com/advice-thread/Looking-to-purchase-a-foreclosure-condo-or-house-How-do-i-go-about-doing-this-Treasure-Island-area/493292/ 2013-05-21T17:33:00Z