Zillow Advice RSS: Question-Discussion-Guide,All Real Estate Advice Topics,Aurora- IL http://www.zillow.com/advice/Aurora-IL/all/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate How can I find a apartment or a condo which is assigned to Metea Valley High School in Aurora, IL? http://www.zillow.com/advice-thread/How-can-I-find-a-apartment-or-a-condo-which-is-assigned-to-Metea-Valley-High-School-in-Aurora-IL/566872/ I am moving to Aurora this summer. I want to rent an apartment or condo where my daughter can go to Metea Valley High School.<br \><br \>1 reply Sun, 16 Nov 2014 22:54:00 GMT http://www.zillow.com/advice-thread/How-can-I-find-a-apartment-or-a-condo-which-is-assigned-to-Metea-Valley-High-School-in-Aurora-IL/566872/ 2014-11-16T22:54:00Z How can I find a apartment or a condo which is assigned to Metea Valley High School in Aurora, IL? http://www.zillow.com/advice-thread/How-can-I-find-a-apartment-or-a-condo-which-is-assigned-to-Metea-Valley-High-School-in-Aurora-IL/566872/ I am moving to Aurora this summer. I want to rent an apartment or condo where my daughter can go to Metea Valley High School.<br \><br \>1 reply Sun, 16 Nov 2014 22:54:00 GMT http://www.zillow.com/advice-thread/How-can-I-find-a-apartment-or-a-condo-which-is-assigned-to-Metea-Valley-High-School-in-Aurora-IL/566872/ 2014-11-16T22:54:00Z Renting out after HAMP? http://www.zillow.com/advice-thread/Renting-out-after-HAMP/564464/ We are currently in a trial period for a HAMP modification because we had a financial hardship and are underwater on our mortgage. &nbsp;The HAMP is for an FHA loan and should be finalized next month. &nbsp;During the trial period, we found for financial reasons that we may need to move and would like to rent out our current house. &nbsp;Would this be allowed once the HAMP is complete? I understand that the HAMP is for owner-occupied properties. &nbsp;It is currently owner-occupied and going into the HAMP we had no intention of moving. &nbsp;But like I said, for financial reasons it may make sense to move and rent out our property in the coming months (after the HAMP is complete). &nbsp;Am I in for trouble with this or is it okay to do? &nbsp;Thanks!<br \><br \>2 replies Mon, 27 Oct 2014 18:05:00 GMT http://www.zillow.com/advice-thread/Renting-out-after-HAMP/564464/ 2014-10-27T18:05:00Z Please refer me to good rated real estate attorney. http://www.zillow.com/advice-thread/Please-refer-me-to-good-rated-real-estate-attorney/562968/ Hi,<br/><br/>I am in the process of buying new home and looking for attorney who can help me with closing process &nbsp;in about a month.<br/>If someone can refer a &nbsp;good real estate attorney &nbsp;, that will be of good help for me.<br/><br/>Thanks in advance for helping me out.<br/><br/>&nbsp;<br \><br \>11 replies Wed, 15 Oct 2014 16:08:00 GMT http://www.zillow.com/advice-thread/Please-refer-me-to-good-rated-real-estate-attorney/562968/ 2014-10-15T16:08:00Z Can you use a spouse's retirement fund money as down payment, if they are not a co-borrower? http://www.zillow.com/advice-thread/Can-you-use-a-spouse%27s-retirement-fund-money-as-down-payment-if-they-are-not-a-co-borrower/561088/ We are working on getting a new home and therefore a new mortgage, which will be in my name only...my wife will not be a co-borrower or co-signer, as we hope to not have her debts counted in our DTI since she does not have an income. &nbsp;Essentially there is not reason for her to co-sign, since her credit is also lower than mine, and I qualify on my own. &nbsp;We do want to use a withdrawal from her retirement plan as the down payment though. &nbsp;Will this be allowed since the mortgage will not be in her name, but the funds will be coming from her? &nbsp;Will we have to consider the funds as a gift to me?<br \><br \>9 replies Mon, 29 Sep 2014 19:56:00 GMT http://www.zillow.com/advice-thread/Can-you-use-a-spouse%27s-retirement-fund-money-as-down-payment-if-they-are-not-a-co-borrower/561088/ 2014-09-29T19:56:00Z Do a Spouses's debts count against DTI if they are not co-signing? http://www.zillow.com/advice-thread/Do-a-Spouses%27s-debts-count-against-DTI-if-they-are-not-co-signing/561083/ I am married and working on getting a loan for a new home, while renting out my current home. &nbsp;Since there will be no 2 year rental history for my current home, I will need to qualify for both loans. &nbsp;My DTI is borderline for qualifying for both, but it depends on how I calculate it...if I count my wife's debts or not. &nbsp;She will NOT be a co-borrower, so do I need to count things like her personal credit cards and student loans that are in her name only as my monthly debts? &nbsp;They do not show up on my credit report, as they are in her name only, and again, she will essentially not have anything to do with the new mortgage, but I am not sure what the rules are regarding married debts, income, etc. &nbsp;Thanks!<br \><br \>7 replies Mon, 29 Sep 2014 19:24:00 GMT http://www.zillow.com/advice-thread/Do-a-Spouses%27s-debts-count-against-DTI-if-they-are-not-co-signing/561083/ 2014-09-29T19:24:00Z Need to move but mortgage is underwater http://www.zillow.com/advice-thread/Need-to-move-but-mortgage-is-underwater/496921/ My husband and I bought our townhome in August 2007.&nbsp; We were only expected to stay in the townhome for a few years but after the market crashed we quickly realized that wasn't going to happen.&nbsp; We decided we had no choice but to stick it out and hope things get better.&nbsp; We have since had two kids and are quickly running out of room and would like to move into a "forever home".&nbsp; We were FINALLY able to refinance the house November 2012 to a lower rate but we are still underwater by about $60,000 and we are getting tired of the area, the homeowners association, etc.&nbsp; We have never been late on a mortgage payment, we both have jobs but we don't have much savings anymore and the homeowner's association changed the by-laws to say we can no longer rent out the units.&nbsp; So are we really stuck here or do we have some glimmer of hope?&nbsp; We would like to know some options that don't require bankruptcy or foreclosures.<br \><br \>11 replies Thu, 13 Jun 2013 17:08:00 GMT http://www.zillow.com/advice-thread/Need-to-move-but-mortgage-is-underwater/496921/ 2013-06-13T17:08:00Z no ssn, own a condo want to buy a house can i? http://www.zillow.com/advice-thread/no-ssn-own-a-condo-want-to-buy-a-house-can-i/554576/ hi. i own a condo where i live 1 bed 1 bath. i would like to get a loan to buy a bigger house where to live and rent the condo. can i get a loan for that anywhere. i do have itin for two years.thks<br \><br \>8 replies Wed, 13 Aug 2014 11:49:00 GMT http://www.zillow.com/advice-thread/no-ssn-own-a-condo-want-to-buy-a-house-can-i/554576/ 2014-08-13T11:49:00Z If they ask me E-mail and cell my credit score Estimate can look my credit score http://www.zillow.com/advice-thread/If-they-ask-me-E-mail-and-cell-my-credit-score-Estimate-can-look-my-credit-score/547245/ 0 replies Thu, 26 Jun 2014 00:32:00 GMT http://www.zillow.com/advice-thread/If-they-ask-me-E-mail-and-cell-my-credit-score-Estimate-can-look-my-credit-score/547245/ 2014-06-26T00:32:00Z Can I cancel a contract with Fannie Mae because of a city code violation? http://www.zillow.com/advice-thread/Can-I-cancel-a-contract-with-Fannie-Mae-because-of-a-city-code-violation/544449/ I am a week away from closing on a Fannie Mae home, and we are passed the inspection period, but still within the mortgage contingency period. We just received a report from the city that the home is in violation of property standards city codes. I understand the purchase is as is, but in section 7 of the Fannie Mae addendum, it says, If at any time the property conditions result in a violation of building codes or any other laws or regulations, either party shall have the right to terminate the agreement at any time prior to closing. &nbsp;In the same paragraph, Fannie Mae says the home is sold as is and they do not warrant that the property is up to code &nbsp;(zoning, building, local ordinances, etc.). Does this mean I have the ability to cancel the contract? Will I get my earnest money back?<br \><br \>5 replies Sat, 07 Jun 2014 01:17:00 GMT http://www.zillow.com/advice-thread/Can-I-cancel-a-contract-with-Fannie-Mae-because-of-a-city-code-violation/544449/ 2014-06-07T01:17:00Z Do I have enough time? http://www.zillow.com/advice-thread/Do-I-have-enough-time/546540/ <p>So here is our dilemna...my wife and I have already been pre-approved and are getting all of our information to the bank in hopes to be completely ready to close on a house asap. We have 5% down for the conventional loan we were approved for as well as the moneys set aside for earnest, attoroney fees and so on. We are house hunting now in hopes to find "the one home" for us. The challenge we are in is that our lease is up on July 31st and we could not get a month to month agreement with our landlords without signing another year contract so we declined the additional year. Is it possible for us to find and close on a house within this timeframe or do we need to find a temporary month to month place to rent in the meantime? Also, we saw a short sale that we liked and it said that the bank will not look at any offers under the listing price. If we offered the listing price could this move fast or are short sales out of our timeframe? Thank you very much for any advice or knowledge you can provide.<br/></p><br \><br \>6 replies Sat, 21 Jun 2014 21:55:00 GMT http://www.zillow.com/advice-thread/Do-I-have-enough-time/546540/ 2014-06-21T21:55:00Z how do i change my rental listing price? http://www.zillow.com/advice-thread/how-do-i-change-my-rental-listing-price/545697/ i have clicked on edit on my listing and it only allows for me to edit the info etc. &nbsp;i want to lower my price&nbsp;<br \><br \>0 replies Mon, 16 Jun 2014 13:34:00 GMT http://www.zillow.com/advice-thread/how-do-i-change-my-rental-listing-price/545697/ 2014-06-16T13:34:00Z Short sale, long wait. . . A few questions http://www.zillow.com/advice-thread/Short-sale-long-wait-A-few-questions/259314/ Months ago, "the" bank approved a short sale on a house. Deal fell throguh because buyer lost his job just before close. On June 10, we submitted a contract on a short sale. We were told through our agent that another contract on the house just came in (may have been a ploy to get us to offer more- successful). We upped our offer to full price (decided we didn't want to loose it), and resubmitted on June 16. We were told at that time by the listing agent that we should have a response within 7-10 biz days since it was a full price offer. Short answer: he lied. Long answer: He keeps telling us to be patient, giving us updates like "Good news: the bank people just asked for some <a href="http://www.zillow.com/mortgage-glossary/HUD/">HUD</a> form. Last time we were at this point it was 2 weeks til a signed contract." That was two weeks ago and we now find out the bank has another reason to hold off- asking for an appraisal. More recently we found out that all along we could have had a "signed contract" from the actual seller (pending bank approval) and this would take the property off of active listing. My guess is that the jerk listing agent was waiting to see if he got a higher offer before doing that.&nbsp;So what's the deal? What does a contract signed by the seller mean if we still need to get bank approval? Would a contract signed by only the seller take the property out of active status? Also, we just got notice from the listing agent that the bank wants to do a new appraisal. Any idea how long that might take?&nbsp;Also, the listing agent is now pushing us to set a new close date because the original one has passed. We would LOVE to set a close date. But, without a signed contract, we can't complete and submit our <a href="http://www.zillow.com/mortgage/">loan</a> app. Plus we don't know when/if the bank will approve this anyway. Should we have our lawyer subit a new date or wait until we have a signed contract?<br/>&nbsp;<br \><br \>7 replies Wed, 22 Jul 2009 20:01:00 GMT http://www.zillow.com/advice-thread/Short-sale-long-wait-A-few-questions/259314/ 2009-07-22T20:01:00Z Where can you find grant info for first time buyers? http://www.zillow.com/advice-thread/Where-can-you-find-grant-info-for-first-time-buyers/188132/ 4 replies Tue, 13 Jan 2009 23:41:00 GMT http://www.zillow.com/advice-thread/Where-can-you-find-grant-info-for-first-time-buyers/188132/ 2009-01-13T23:41:00Z Can a home that is underwater be refinanced for the current market value? http://www.zillow.com/advice-thread/Can-a-home-that-is-underwater-be-refinanced-for-the-current-market-value/527838/ We bought our home in 2005 for about 162. It's worth about 110 now, but we owe about 150. We would love to move to a bigger house, but I'm not sure we can, being so upside down...<br \><br \>9 replies Sun, 09 Feb 2014 21:25:00 GMT http://www.zillow.com/advice-thread/Can-a-home-that-is-underwater-be-refinanced-for-the-current-market-value/527838/ 2014-02-09T21:25:00Z Anyone have Info on HomeTown Aurora? http://www.zillow.com/advice-thread/Anyone-have-Info-on-HomeTown-Aurora/27604/ <p>Why are there so many <a href="http://www.zillow.com/homes/">homes for sale</a> in this subdivision and why are the values dropping so dramatically? Why are they priced so low to begin with? It seems like such a nice concept and such a nice subdivision? Does anyone know if there are problems with the buliding materials?</p><br \><br \>7 replies Wed, 09 Apr 2008 02:49:00 GMT http://www.zillow.com/advice-thread/Anyone-have-Info-on-HomeTown-Aurora/27604/ 2008-04-09T02:49:00Z Want to know what's happening in Aurora, IL? http://www.zillow.com/advice-thread/Want-to-know-what%27s-happening-in-Aurora-IL/536759/ https://aurora-il.org/events_month.php<br \><br \>1 reply Wed, 16 Apr 2014 19:53:00 GMT http://www.zillow.com/advice-thread/Want-to-know-what%27s-happening-in-Aurora-IL/536759/ 2014-04-16T19:53:00Z How much can I sell my home for in Aurora IL? http://www.zillow.com/advice-thread/How-much-can-I-sell-my-home-for-in-Aurora-IL/526136/ [Content removed by Zillow Moderator. Please see our&nbsp;<a href="http://www.zillow.com/howto/GoodNeighborPolicy.htm">Good Neighbor Policy</a>]<br \><br \>3 replies Mon, 27 Jan 2014 20:48:00 GMT http://www.zillow.com/advice-thread/How-much-can-I-sell-my-home-for-in-Aurora-IL/526136/ 2014-01-27T20:48:00Z Sale in 60503 http://www.zillow.com/advice-thread/Sale-in-60503/525287/ 207 units, both attached &amp; detached homes sold. They were on the market an average of 101 days. Average sold price was $185,370 with a max of $360k and a min of &amp;59k. Would you like to know what your home could sell for?<br \><br \>0 replies Tue, 21 Jan 2014 17:18:00 GMT http://www.zillow.com/advice-thread/Sale-in-60503/525287/ 2014-01-21T17:18:00Z 1041 Pheasant Run Lane? http://www.zillow.com/advice-thread/1041-Pheasant-Run-Lane/513345/ Hi.&nbsp; My rental listing at 1041 Pheasant Run Lane in Aurora, IL 60504 is not showing as my listing.&nbsp; As such, I am not able to edit the listing. My username is <a href="mailto:Michael@michaeljohnferry.com" rel="nofollow">Michael@michaeljohnferry.com</a><br \><br \>3 replies Sat, 28 Sep 2013 20:22:00 GMT http://www.zillow.com/advice-thread/1041-Pheasant-Run-Lane/513345/ 2013-09-28T20:22:00Z