Zillow Advice RSS: Question-Discussion-Guide,All Real Estate Advice Topics,Orlando- FL http://www.zillow.com/advice/Orlando-FL/all/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate WellsFargo Short Sale Nightmare http://www.zillow.com/advice-thread/WellsFargo-Short-Sale-Nightmare/504335/ We are in the process of a short sale. &nbsp;The house went on the market at $140K and we got a cash offer from a buyer at $130K. &nbsp;WellsFargo countered at $179K!!! &nbsp;This is after they told us to refinance our house was only worth $140K. &nbsp;The realtor said the appraisal is out of date because date of appraisal was January and we put the house on the market in April. &nbsp;Well the cash buyer came back at $157K and Wells accepted on the condition that we pay $30K as a promissory note!! &nbsp;That is not including our 2nd mortgage, which is Regions, that is requesting their entire loan of $42K back. &nbsp;The loan for Wells is $179K. &nbsp;At this point we don't know what to do but foreclosure. &nbsp;These banks don't seem as they want to work with anyone with the market going up. &nbsp;With all this money they want us to pay back it is truly a traditional sale. &nbsp;Thoughts please?<br \><br \>13 replies Tue, 30 Jul 2013 17:03:00 GMT http://www.zillow.com/advice-thread/WellsFargo-Short-Sale-Nightmare/504335/ 2013-07-30T17:03:00Z Advice on getting a mortgage outside the Orlando metro area http://www.zillow.com/advice-thread/Advice-on-getting-a-mortgage-outside-the-Orlando-metro-area/574840/ <p>I want to get a home outside the Orlando metro area (Davenport, Kissimmee, St. Cloud) About 80k - Max 100k. Here is my general situation. Credit score about 690-720. I own a condo 100%&nbsp;valued about 60k. Salary about 25k, 5 months in current job. I'm looking for a 30yrs conventional loan. I have 20% to put down. I intent to move to the house and rent out my condo which will bring at least another 10k annually. I don't have any debt, and monthly expenses between HOA and utilities are running about $450 a month. Never taken out a mortgage</p><p>What are my chances? Could I include the potential extra&nbsp;10k rental income for approval?</p><p>I'll appreciate any help I can get. I'm ready to move from a condo to a house!</p><br \><br \>7 replies Sat, 07 Feb 2015 06:13:00 GMT http://www.zillow.com/advice-thread/Advice-on-getting-a-mortgage-outside-the-Orlando-metro-area/574840/ 2015-02-07T06:13:00Z I am 18 yrs old and my co-borrower 20 can we buy a house http://www.zillow.com/advice-thread/I-am-18-yrs-old-and-my-co-borrower-20-can-we-buy-a-house/575151/ good income, fair credit score, 10% down payment no more than 100,000 ndollar house<br \><br \>7 replies Mon, 09 Feb 2015 21:44:00 GMT http://www.zillow.com/advice-thread/I-am-18-yrs-old-and-my-co-borrower-20-can-we-buy-a-house/575151/ 2015-02-09T21:44:00Z Can I list a timeshare for sale on Zillow? http://www.zillow.com/advice-thread/Can-I-list-a-timeshare-for-sale-on-Zillow/579653/ 2 replies Fri, 20 Mar 2015 18:21:00 GMT http://www.zillow.com/advice-thread/Can-I-list-a-timeshare-for-sale-on-Zillow/579653/ 2015-03-20T18:21:00Z Can I get a FHA Loan with a credit score of 640 for one hundred and fifteen thousand-150k range http://www.zillow.com/advice-thread/Can-I-get-a-FHA-Loan-with-a-credit-score-of-640-for-one-hundred-and-fifteen-thousand-150k-range/482405/ Can I get a FHA Loan with a credit score of 640 for an amount of $115-$150k range. 640 is the credit of my husband. &nbsp;He have been is his job for 2 years, we&nbsp;don't&nbsp;have credit cards payments (he pay in full 6 months ago), we&nbsp;don't&nbsp;have car payment. I start my job 6 months ago ( Never have a credit card). We only pay the usual (Rent, water, electricity, phone, car insurance). We&nbsp;haven't&nbsp;pay nothing late (starting 2 years ago). We are first time&nbsp;home-buyer's, that why we have so many questions.<br \><br \>12 replies Mon, 11 Mar 2013 23:48:00 GMT http://www.zillow.com/advice-thread/Can-I-get-a-FHA-Loan-with-a-credit-score-of-640-for-one-hundred-and-fifteen-thousand-150k-range/482405/ 2013-03-11T23:48:00Z How do I get an equity loan on my condo to buy an investment property in Orlando, FL? http://www.zillow.com/advice-thread/How-do-I-get-an-equity-loan-on-my-condo-to-buy-an-investment-property-in-Orlando-FL/573138/ <p>My condo is all paid for and&nbsp;worth about 60K. I want to get an equity loan to help pay for an investment property either to fix and sell or to rent out. Any advise on companies in the area that can do this?</p><br \><br \>3 replies Fri, 23 Jan 2015 05:59:00 GMT http://www.zillow.com/advice-thread/How-do-I-get-an-equity-loan-on-my-condo-to-buy-an-investment-property-in-Orlando-FL/573138/ 2015-01-23T05:59:00Z What lender to get pre-approved with? http://www.zillow.com/advice-thread/What-lender-to-get-pre-approved-with/575936/ First time home buyer here, looking for advice on exactly how to shop around for a mortgage and which lender to get pre-approved with. I've read a lot of responses that say you need to interview different lenders, but how exactly do you go about this, i.e. where do you begin- how do you even know which lenders to contact? And does this typically happen online or in-person?<br/><br/>Sorry if some of this seems obvious- this whole process is a little overwhelming!&nbsp;<br \><br \>9 replies Mon, 16 Feb 2015 20:59:00 GMT http://www.zillow.com/advice-thread/What-lender-to-get-pre-approved-with/575936/ 2015-02-16T20:59:00Z Florida Home Inspections http://www.zillow.com/advice-thread/Florida-Home-Inspections/448955/ <p>Up until 1st July 2011 the Florida home inspection industry was an unlicensed activity and many people were out their inspecting homes who did not have the experience or qualifications. Florida Statute 468 Part XV covers home inspection services (FS 468.8311) together with the requirements of the inspector. The Department of Business Professional Regulation (DBPR) now control the licensing in Florida. As detailed in the statute the definition of home inspection is below.</p><p><em>"Home inspection services" means a limited visual examination of the following readily accessible installed systems and components of a home: the structure, electrical system, HVAC system, roof covering, plumbing system, interior components, exterior components, and site conditions that affect the structure, for the purpose of providing a written professional opinion of the condition of the home</em></p><p>If you or your clients have any questions with regards to home inspections in Florida I am happy to give you free advice. <em> [website deleted by Zillow moderator. Please see our Good Neighbor Policy for posting guidelines]</em></p><br \><br \>9 replies Fri, 29 Jun 2012 14:44:00 GMT http://www.zillow.com/advice-thread/Florida-Home-Inspections/448955/ 2012-06-29T14:44:00Z Do I have to purchase Title Insurance? http://www.zillow.com/advice-thread/Do-I-have-to-purchase-Title-Insurance/579578/ As a seller of the house in the state of Florida Am I required to purchase a Title Insurance?House is paid off.Thank you<br \><br \>7 replies Fri, 20 Mar 2015 10:34:00 GMT http://www.zillow.com/advice-thread/Do-I-have-to-purchase-Title-Insurance/579578/ 2015-03-20T10:34:00Z How do I change my listing from FOR SALE BY OWNER to FOR SALE http://www.zillow.com/advice-thread/How-do-I-change-my-listing-from-FOR-SALE-BY-OWNER-to-FOR-SALE/512604/ <p>LIKE TO EDIT MY LISTING FROM FOR SALE BY OWNER TO FOR SALE</p><br \><br \>12 replies Mon, 23 Sep 2013 23:13:00 GMT http://www.zillow.com/advice-thread/How-do-I-change-my-listing-from-FOR-SALE-BY-OWNER-to-FOR-SALE/512604/ 2013-09-23T23:13:00Z How to Deal with Greedy & Dishonest Real Estate Agents who use illegal Tactics to increase Commissio http://www.zillow.com/advice-thread/How-to-Deal-with-Greedy-Dishonest-Real-Estate-Agents-who-use-illegal-Tactics-to-increase-Commissio/362239/ <p>I am complaining about Tulio Troche, owner &amp; broker of T. Real Estate, Inc.</p><p>He is the Listing Agent for Lamco and had listed a home for $60K that I fell in love with. I placed an initial offer of $55K thru my agent and we heard nothing for several days. Finally, Mr. Troche e-mailed her stating that there were several more offers on the property. I raised my offer to $61,5K. Again, no response. I decided to call Mr. Troche directly. He stated that he was just an employee and could not control the bank, but that some higher offers were now on the table. Being frustrated &amp; afraid of losing the home, I placed a third offer of $65K. Again, we did not get a response, so I called Mr. Troche again. He stated that the property had been sold to one of his own buyers for $60K.</p><p>I asked him what happened to my 3 offers and he stated that the bank decides who they sell to and he was only their agent. Next, a call to Lamco, which revealed that my 3 offers were never received by them. Their contracts with Mr. Troche's own buyer were already signed and they could not help me.</p><p>Where is the Code of Ethics and Bit of Honesty for Mr. Troche who uses titles as GRI, ABR, ALHS, CIPS, TRC ???</p><p>T. Real Estate, Inc. Orlando, Fl. 32828</p><br \><br \>29 replies Sun, 15 Aug 2010 19:52:00 GMT http://www.zillow.com/advice-thread/How-to-Deal-with-Greedy-Dishonest-Real-Estate-Agents-who-use-illegal-Tactics-to-increase-Commissio/362239/ 2010-08-15T19:52:00Z Anyone Know Of A Good Private Mortgage lender? http://www.zillow.com/advice-thread/Anyone-Know-Of-A-Good-Private-Mortgage-lender/578289/ I'm looking for a private lender.<br \><br \>6 replies Mon, 09 Mar 2015 19:36:00 GMT http://www.zillow.com/advice-thread/Anyone-Know-Of-A-Good-Private-Mortgage-lender/578289/ 2015-03-09T19:36:00Z How do I get my brother name off of the deed? http://www.zillow.com/advice-thread/How-do-I-get-my-brother-name-off-of-the-deed/577557/ We put our names on the house when my mom got I'll. She passed me my girl and daughter been living there since 2010. He contributed nothing I pay mortgage and everything. What are my options on getting his name off?<br \><br \>12 replies Tue, 03 Mar 2015 05:22:00 GMT http://www.zillow.com/advice-thread/How-do-I-get-my-brother-name-off-of-the-deed/577557/ 2015-03-03T05:22:00Z How do I get a rental zestimate http://www.zillow.com/advice-thread/How-do-I-get-a-rental-zestimate/577937/ 4 replies Fri, 06 Mar 2015 13:20:00 GMT http://www.zillow.com/advice-thread/How-do-I-get-a-rental-zestimate/577937/ 2015-03-06T13:20:00Z What is the process to buy a house in FL if I´m a US citizen living in Spain with nonresident spouse http://www.zillow.com/advice-thread/What-is-the-process-to-buy-a-house-in-FL-if-I-m-a-US-citizen-living-in-Spain-with-nonresident-spouse/576530/ What is the process to buy a house in FL if I&acute;m a US citizen living in Spain with my nonresident alien spouse?<br \><br \>4 replies Sat, 21 Feb 2015 23:53:00 GMT http://www.zillow.com/advice-thread/What-is-the-process-to-buy-a-house-in-FL-if-I-m-a-US-citizen-living-in-Spain-with-nonresident-spouse/576530/ 2015-02-21T23:53:00Z wanted to know how the schools and the neighborhood is around sabal palm at lake buena vista http://www.zillow.com/advice-thread/wanted-to-know-how-the-schools-and-the-neighborhood-is-around-sabal-palm-at-lake-buena-vista/576977/ from peter @ <a href="mailto:irish197335@yahoo.com" rel="nofollow">irish197335@yahoo.com</a>&nbsp;&nbsp;&nbsp; this property is in&nbsp; Orlando fl.<br \><br \>1 reply Wed, 25 Feb 2015 20:55:00 GMT http://www.zillow.com/advice-thread/wanted-to-know-how-the-schools-and-the-neighborhood-is-around-sabal-palm-at-lake-buena-vista/576977/ 2015-02-25T20:55:00Z What is the process to buy a house in FL if I´m a US citizen living in Spain with nonresident spouse http://www.zillow.com/advice-thread/What-is-the-process-to-buy-a-house-in-FL-if-I-m-a-US-citizen-living-in-Spain-with-nonresident-spouse/576530/ What is the process to buy a house in FL if I&acute;m a US citizen living in Spain with my nonresident alien spouse?<br \><br \>3 replies Sat, 21 Feb 2015 23:53:00 GMT http://www.zillow.com/advice-thread/What-is-the-process-to-buy-a-house-in-FL-if-I-m-a-US-citizen-living-in-Spain-with-nonresident-spouse/576530/ 2015-02-21T23:53:00Z Taylor Morrison - any possibility to negotiate upgrade prices with them? http://www.zillow.com/advice-thread/Taylor-Morrison-any-possibility-to-negotiate-upgrade-prices-with-them/483490/ We just signed a contract to build a new home through them in a new community. &nbsp;They gave us $13,000 in money to play with at their design center, however when we went to visit to get an idea of things, their prices are crazy. &nbsp;Using their prices we are looking at about $60,000 in upgrades. &nbsp;I've seen other folks state that some builders will negotiate a percentage off of the final price of the upgrades (5-10% maybe?). &nbsp;Anyone know if Taylor Morrison will play ball with this as well? &nbsp;Even if we can get 5% off it will be a help to us. &nbsp;I know that markups on upgrades are huge.<br \><br \>11 replies Mon, 18 Mar 2013 14:59:00 GMT http://www.zillow.com/advice-thread/Taylor-Morrison-any-possibility-to-negotiate-upgrade-prices-with-them/483490/ 2013-03-18T14:59:00Z Taylor Morrison - any possibility to negotiate upgrade prices with them? http://www.zillow.com/advice-thread/Taylor-Morrison-any-possibility-to-negotiate-upgrade-prices-with-them/483490/ We just signed a contract to build a new home through them in a new community. &nbsp;They gave us $13,000 in money to play with at their design center, however when we went to visit to get an idea of things, their prices are crazy. &nbsp;Using their prices we are looking at about $60,000 in upgrades. &nbsp;I've seen other folks state that some builders will negotiate a percentage off of the final price of the upgrades (5-10% maybe?). &nbsp;Anyone know if Taylor Morrison will play ball with this as well? &nbsp;Even if we can get 5% off it will be a help to us. &nbsp;I know that markups on upgrades are huge.<br \><br \>11 replies Mon, 18 Mar 2013 14:59:00 GMT http://www.zillow.com/advice-thread/Taylor-Morrison-any-possibility-to-negotiate-upgrade-prices-with-them/483490/ 2013-03-18T14:59:00Z How do I go about finding out if I qualify for renting an apartment? http://www.zillow.com/advice-thread/How-do-I-go-about-finding-out-if-I-qualify-for-renting-an-apartment/576421/ I am currently just getting out of the military with a fairly large amount in saving and was wanting to rent an apartment. The problem being that I do not know how exactly to go about doing this considering I am uncertain as to whether or not I make enough in order to actually qualify based on certain standards.<br \><br \>1 reply Sat, 21 Feb 2015 00:03:00 GMT http://www.zillow.com/advice-thread/How-do-I-go-about-finding-out-if-I-qualify-for-renting-an-apartment/576421/ 2015-02-21T00:03:00Z