Zillow Advice RSS: Question-Discussion-Guide,All Real Estate Advice Topics,Dover- DE http://www.zillow.com/advice/Dover-DE/all/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate I am a first time buyer. I have requested to see 2 homes to see if I like. Am I on the right track? http://www.zillow.com/advice-thread/I-am-a-first-time-buyer-I-have-requested-to-see-2-homes-to-see-if-I-like-Am-I-on-the-right-track/539416/ 9 replies Mon, 05 May 2014 21:44:00 GMT http://www.zillow.com/advice-thread/I-am-a-first-time-buyer-I-have-requested-to-see-2-homes-to-see-if-I-like-Am-I-on-the-right-track/539416/ 2014-05-05T21:44:00Z must you have to have? http://www.zillow.com/advice-thread/must-you-have-to-have/536809/ just asking "If you have to have a job in order to get a home"? or can I pay in cash also or money order etc.<br \><br \>1 reply Thu, 17 Apr 2014 01:27:00 GMT http://www.zillow.com/advice-thread/must-you-have-to-have/536809/ 2014-04-17T01:27:00Z how do I get rid of MIP ? can I get an other loan to cover the 17% from an other bank wthout equity http://www.zillow.com/advice-thread/how-do-I-get-rid-of-MIP-can-I-get-an-other-loan-to-cover-the-17-from-an-other-bank-wthout-equity/528288/ I wlould like to get a loan to pay the 17% to avoid paying for the monthly MIP. Please advise if you have a solution I have a fair credit history and a verry good income. Thank you.but do not have equity in this home. I just got this new home last year , May 2013.<br \><br \>6 replies Thu, 13 Feb 2014 03:07:00 GMT http://www.zillow.com/advice-thread/how-do-I-get-rid-of-MIP-can-I-get-an-other-loan-to-cover-the-17-from-an-other-bank-wthout-equity/528288/ 2014-02-13T03:07:00Z rent to own http://www.zillow.com/advice-thread/rent-to-own/515824/ Do anybody know of an agent that has rent to own properties in Dover,Delaware area?<br \><br \>1 reply Fri, 18 Oct 2013 22:17:00 GMT http://www.zillow.com/advice-thread/rent-to-own/515824/ 2013-10-18T22:17:00Z Where can I find rent to own homes FOR FREE without having to pay someone just to look! http://www.zillow.com/advice-thread/Where-can-I-find-rent-to-own-homes-FOR-FREE-without-having-to-pay-someone-just-to-look/509590/ I have almost perfect credit &amp; my fiance has no credit. We both have steady jobs &amp; i make about 1000 a month &amp; he makes about 1600 a month. We are trying to find a place to rent to own but have had no luck. The only places we have found want us to pay about 200$ just to register for them to even help look. But those that want us to pay that also i have found have been scams. I just need help on finding something that is rent to own in Kent county Delaware. please help!<br \><br \>2 replies Sun, 01 Sep 2013 23:29:00 GMT http://www.zillow.com/advice-thread/Where-can-I-find-rent-to-own-homes-FOR-FREE-without-having-to-pay-someone-just-to-look/509590/ 2013-09-01T23:29:00Z I am looking for Roommates to share my home , however I am Bicoastal. How should I go about this? http://www.zillow.com/advice-thread/I-am-looking-for-Roommates-to-share-my-home-however-I-am-Bicoastal-How-should-I-go-about-this/481761/ 1 reply Thu, 07 Mar 2013 19:01:00 GMT http://www.zillow.com/advice-thread/I-am-looking-for-Roommates-to-share-my-home-however-I-am-Bicoastal-How-should-I-go-about-this/481761/ 2013-03-07T19:01:00Z Should I refinance to save for moving costs? http://www.zillow.com/advice-thread/Should-I-refinance-to-save-for-moving-costs/502186/ Currently, we live in Delaware. We plan on moving in a couple of years, and we will most certainly be facing a short sale. We have enough money to pay our VA loan, but we don't have enough to put away for moving expenses when the time comes.&nbsp;<br/><br/>We did not put any money down, so our payment is pretty high. Refinancing will lower our payment by potentially $400 a month, which would really help us pay down our credit card debt.<br/><br/>Is this a bad idea, or should I take advantage of the lower interest rates and the $400 a month back in my pocket?<br/><br/>Thank you so much!<br \><br \>3 replies Tue, 16 Jul 2013 17:55:00 GMT http://www.zillow.com/advice-thread/Should-I-refinance-to-save-for-moving-costs/502186/ 2013-07-16T17:55:00Z What about new construction listed with an agency? http://www.zillow.com/advice-thread/What-about-new-construction-listed-with-an-agency/486966/ We're first time homebuyers and have done a lot of research (at least we think we have). We've read over and over again that purchasing from the builder's (agent / representative) is generally a "bad" idea and that you should have your own agent. What we haven't found any information about is what to do when the builder lists with an agency. We haven't decided if we are going with new construction or a resale property yet. We also have not decided on a realtor. Some of the realtors we are considering have new construction listed on their sites; new construction that we may be interested in. So...if we choose a realtor that we want to work with (and can tolerate me), what do we do if they happen to list a new property that we are interested in? Does dual agency, as it applies to resale properties, apply to new construction? Would it be a good idea to write into the buyer contract that the realtor needs to release me in the event a dual agency situation arises and, once again, does that apply equally to new construction and resale properties? Thanks in advance for any advice you may be able to offer. Steve<br \><br \>4 replies Mon, 08 Apr 2013 21:53:00 GMT http://www.zillow.com/advice-thread/What-about-new-construction-listed-with-an-agency/486966/ 2013-04-08T21:53:00Z Depreciation: Where do I find how much the land and/or house is worth for tax filing? http://www.zillow.com/advice-thread/Depreciation-Where-do-I-find-how-much-the-land-and-or-house-is-worth-for-tax-filing/499928/ I'm renting my house out of necessity as I'm military and got moved to a new location (moved out of Delaware).&nbsp; So now that I"m working up my taxes (late filing via extension) I've got to the section regarding depreciation.&nbsp; Land doesn't depreciate, but the house does.&nbsp; So I'm supposed to enter two different figures...one for how much the land is worth on its own, and how much the house is worth.<br/>Maybe I'm missing (or overlooking) a piece of paper with all my documentation from the purchase, but I can't find these values anywhere.&nbsp; So I started with the local tax assessment office where the property is, but their values are about a quarter what the property sold for.&nbsp; I expected this as I've seen this in other situations...but it was worth a try.&nbsp; So I can't use these numbers.&nbsp; I contacted the mortgage company to see if they have anything (figured that might be something they use when approving a loan) and the rep I spoke to couldn't find any reference (although she was very nice and is going to send me copies of everything they have on file).&nbsp; I contacted the attorneys office that did the paperwork with no luck.<br/>So can anyone please advise?&nbsp; It's driving me a bit batty, and of course is the only thing left to enter.&nbsp; I've googled like crazy and just keep coming up with articles about depreciation in general.<br/><br/>Thanks for any help!<br/>Gary<br \><br \>2 replies Mon, 01 Jul 2013 21:18:00 GMT http://www.zillow.com/advice-thread/Depreciation-Where-do-I-find-how-much-the-land-and-or-house-is-worth-for-tax-filing/499928/ 2013-07-01T21:18:00Z Is it important to select a certain type of agent to sell a home an opposed to buying one? http://www.zillow.com/advice-thread/Is-it-important-to-select-a-certain-type-of-agent-to-sell-a-home-an-opposed-to-buying-one/449101/ I 've never sold a home, only bought one. I think I have it ready&nbsp; to sell but I'm not sure what type of agent to get, or how t select one. I want to make sure the agent will get the job done quickly effectively and at the best price. Is this possible??<br \><br \>3 replies Sat, 30 Jun 2012 06:52:00 GMT http://www.zillow.com/advice-thread/Is-it-important-to-select-a-certain-type-of-agent-to-sell-a-home-an-opposed-to-buying-one/449101/ 2012-06-30T06:52:00Z Plumbing Backing up in my basement what can cause this? http://www.zillow.com/advice-thread/Plumbing-Backing-up-in-my-basement-what-can-cause-this/373034/ All my water and sewer is backing up in my basement through a floor drain what causes this and who would I call to help me? (Dover, DE)<br \><br \>7 replies Fri, 29 Oct 2010 05:33:00 GMT http://www.zillow.com/advice-thread/Plumbing-Backing-up-in-my-basement-what-can-cause-this/373034/ 2010-10-29T05:33:00Z Fannie Mae owned home -- Negotiator says FM says not to present offers under $100K. http://www.zillow.com/advice-thread/Fannie-Mae-owned-home-Negotiator-says-FM-says-not-to-present-offers-under-100K/427143/ On De. 2 I made an $80K offer on a FM-owned home in Delaware listed at $100K. We were told that another lower offer was pending with FM and to wait til that offer was 'done'. It had been made in October for $60K, by an investor interested in 'flipping' the property.The $60K offer&nbsp;was rejected mid Dec. and we thought that&nbsp;my offer had gone to FM but it hadn't. But now we're told by the Negotiator, which gets a 3% fee, that when FM rejected the $60K offer it told the Negotiator emphatically that it didn't want to see any offers under $100K. FM ordered another appraisal, but thatwill probably come in around the previous, and we see that too much work needs to be done to the house to make it worth that range.&nbsp;So the seller agent and the Negotiator just held my offer. Negotiator says that I can order my own appraisal if I want to try to show lower value but that would be expensive because professional inspections would have to be done as well. We've withdrawn our offer but the question that I'm left with is -- can FM refuse to look at an $80K offer on a home listed for $100K? And if it can, shouldn't the seller agent have told us that he was holding my offer on his desk? I don't see any advantage to buyers, when the offer is just being held by an agent or the Negotiator and isn't even presented to FM. And I think that FM isn't getting information that it should have, since my offer was in good faith, based upon what I could see of the condition of the house, etc. Shouldn't my offer be 'telling' FM something about the property that is worth as much or more than a new 'comp' appraisal?<br \><br \>8 replies Fri, 30 Dec 2011 11:32:00 GMT http://www.zillow.com/advice-thread/Fannie-Mae-owned-home-Negotiator-says-FM-says-not-to-present-offers-under-100K/427143/ 2011-12-30T11:32:00Z Days on Zillow is wrong http://www.zillow.com/advice-thread/Days-on-Zillow-is-wrong/405004/ How do I change the "Days on Zillow" status. I just listed it 6/20/11, last week, and it says that it's been on Zillow for 375 day which is wrong and possibly a deterrent.<br \><br \>0 replies Sat, 25 Jun 2011 17:06:00 GMT http://www.zillow.com/advice-thread/Days-on-Zillow-is-wrong/405004/ 2011-06-25T17:06:00Z Can you tell me how it would work with owner financing? http://www.zillow.com/advice-thread/Can-you-tell-me-how-it-would-work-with-owner-financing/379886/ I have found one of your properties that we are very interested in. &nbsp;First of all, I am confused. &nbsp;Is it a 3 or 4 bedroom house? &nbsp;I am referring to the house on Carlisle Road.<br/>We stopped by the house and my husband and I fell in love with it, even though the work is just beginning. &nbsp;We have poor credit. &nbsp;I was hoping if we could get owner financing we could qualify for the home we have fallen in love with.<br/><br \><br \>4 replies Fri, 07 Jan 2011 01:30:00 GMT http://www.zillow.com/advice-thread/Can-you-tell-me-how-it-would-work-with-owner-financing/379886/ 2011-01-07T01:30:00Z what does the red arrow pointing down, with an amount in red next to that mean? http://www.zillow.com/advice-thread/what-does-the-red-arrow-pointing-down-with-an-amount-in-red-next-to-that-mean/364323/ 1 reply Mon, 30 Aug 2010 03:19:00 GMT http://www.zillow.com/advice-thread/what-does-the-red-arrow-pointing-down-with-an-amount-in-red-next-to-that-mean/364323/ 2010-08-30T03:19:00Z can we get a mortgage with previous late mortgage payments? http://www.zillow.com/advice-thread/can-we-get-a-mortgage-with-previous-late-mortgage-payments/357760/ we have been in our home for 2 years my husbands job gave him pay cuts due to the economy - we applied for home modification thru Bank of America - they said we were approved gave us an amount to pay which we have and then told us we were still be looked at (it has been a real game) so now my husbands credit has been affected because we paying the modification amount every month and not the actual amount while they are still determining (which could take months now they say) so the last couple months he has been reported to the credit agency because we are not making total payment amount which is 1468.00 - we were told to make 1086.82 which we have.&nbsp; so we have now put the house on the market and want to get a cheaper mortgage.&nbsp; so if our house sells and we we buy a house for 150,000 and put 50,000 down would we still be able to get a new mortgage with our late payment history??&nbsp; But our new mortgage would be less then our modified rate that we have been paying on time to BAC and we would have the 50,000 down.&nbsp; Please let me know- can i get out???<br \><br \>2 replies Wed, 14 Jul 2010 15:58:00 GMT http://www.zillow.com/advice-thread/can-we-get-a-mortgage-with-previous-late-mortgage-payments/357760/ 2010-07-14T15:58:00Z do you have pictures of the house?(inside and outside) http://www.zillow.com/advice-thread/do-you-have-pictures-of-the-house-inside-and-outside/341185/ 0 replies Mon, 05 Apr 2010 22:34:00 GMT http://www.zillow.com/advice-thread/do-you-have-pictures-of-the-house-inside-and-outside/341185/ 2010-04-05T22:34:00Z 1. yearly cost for Association fees?, 2. is this townhome currently occupied by owner or rentor? http://www.zillow.com/advice-thread/1-yearly-cost-for-Association-fees-2-is-this-townhome-currently-occupied-by-owner-or-rentor/329009/ &nbsp;1. yearly cost for Association fees?, 2.&nbsp; is this townhome currently occupied by owner or rentor?<br \><br \>0 replies Sat, 27 Feb 2010 10:34:00 GMT http://www.zillow.com/advice-thread/1-yearly-cost-for-Association-fees-2-is-this-townhome-currently-occupied-by-owner-or-rentor/329009/ 2010-02-27T10:34:00Z why is the unit $1250 dollars? is that for the deeds? http://www.zillow.com/advice-thread/why-is-the-unit-1250-dollars-is-that-for-the-deeds/326724/ <p>did you list it correctly</p><br \><br \>0 replies Sun, 21 Feb 2010 07:15:00 GMT http://www.zillow.com/advice-thread/why-is-the-unit-1250-dollars-is-that-for-the-deeds/326724/ 2010-02-21T07:15:00Z open house http://www.zillow.com/advice-thread/open-house/322606/ <p>I like to visit this house or a house at $250K to $300K range.<br/></p><br \><br \>0 replies Mon, 08 Feb 2010 04:51:00 GMT http://www.zillow.com/advice-thread/open-house/322606/ 2010-02-08T04:51:00Z