Zillow Advice RSS: Question-Discussion-Guide,All Real Estate Advice Topics,Charleston- WV http://www.zillow.com/advice/Charleston-WV/all/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Possible to get approved? http://www.zillow.com/advice-thread/Possible-to-get-approved/522913/ Hi, I know my situation isn't good, but wondering if there is any chance for me to be approved. My boyfriend and I are needing to move and we feel it would be better to buy than rent. I am currently staying with my parents to get my debt paid down but they are moving so this is no longer an option. My gross salary is 2028 per month-10 years at job. I also have a second job that I have had since Mar 2012. The extra money hasn't been consistent but has increased over time. 2012 made 1730 and 2013 made 5000. For the last several months I have averaged 600-800 per month. My current monthly payments are about $1104.91 (528 credit card min across 6 cards+ 343.67 student loan + 233.24 car) and I have two cards that I helped my brother out a few years ago (75.06 min pmt), he does not have the cards but pmt comes directly from his bank account, so not sure if I have to count that in my debt. I am not using my credit cards and the high balances are due to school costs and old car problems. I haven't been able to consolidate due to high debt but paying off as best I can. I have about 2000 in savings and a little more than that in 401k. The last I knew my score was about 670s ...no negatives except high balances and utilization. My parents are going to give me about $8000 towards downpayment also. We are wanting to look at houses in the $40-$50k range. Bf can't be included on the mortgage due to past bad credit that he is still working on. My parents are willing to pay off some of my debt if that could make a difference. They would consider it a gift and there would be no official obligation to pay it back, however, once i got settled, I would probably pay them back that amount (the down payment assistance would definitely be a gift though). I had talked to my bank and they told me my dti was too high which I knew and they couldn't consider my second job. I don't really know who to talk to locally. Is this an impossible situation? Any hope? Thanks!<br \><br \>2 replies Tue, 31 Dec 2013 18:23:00 GMT http://www.zillow.com/advice-thread/Possible-to-get-approved/522913/ 2013-12-31T18:23:00Z Is forclosed homes always as is when purchased http://www.zillow.com/advice-thread/Is-forclosed-homes-always-as-is-when-purchased/520457/ 6 replies Sat, 30 Nov 2013 21:33:00 GMT http://www.zillow.com/advice-thread/Is-forclosed-homes-always-as-is-when-purchased/520457/ 2013-11-30T21:33:00Z what is a short sale http://www.zillow.com/advice-thread/what-is-a-short-sale/517595/ 6 replies Fri, 01 Nov 2013 19:18:00 GMT http://www.zillow.com/advice-thread/what-is-a-short-sale/517595/ 2013-11-01T19:18:00Z Do I have to pay $4000 medical bill to get an FHA loan? http://www.zillow.com/advice-thread/Do-I-have-to-pay-4000-medical-bill-to-get-an-FHA-loan/424731/ I just paid all but two collections that are on my <a href="http://www.zillow.com/mortgage-glossary/Credit-Report/">credit report</a>. All the collections I paid were medical and one was an AT&amp;T bill. I just found out that I have a $4000 bill that I never received. My address changed. The bill is almost 2 years old. I want to <a href="http://www.zillow.com/learnmore/what-zillow-offers-buyers.htm">buy a home</a>. I make decent money. I have one car loan, two credit cards with small limits and a small personal <a href="http://www.zillow.com/mortgage-rates/">loan</a> I took out to pay these debts. I tried to get a PFD before I paid these but the CA said no. This $4000 bill is not reporting on my credit report...yet.&nbsp;I was told by the lady at the hospital I could pay the hospital directly and not go through the CA. I have no idea what I should do. Could I be turned down for an&nbsp;FHA because of this bill? I live in West Virginia. I'm trying so hard to get my credit up. Now this. My score is 576. Any help will be appreciated.<br \><br \>15 replies Sat, 03 Dec 2011 23:27:00 GMT http://www.zillow.com/advice-thread/Do-I-have-to-pay-4000-medical-bill-to-get-an-FHA-loan/424731/ 2011-12-03T23:27:00Z Looking for a Mortgage Lender after Bankruptcy with a home included. http://www.zillow.com/advice-thread/Looking-for-a-Mortgage-Lender-after-Bankruptcy-with-a-home-included/500452/ I had a bankruptcy with a home included. It discharged about 2 1/2 years ago. I have had some loans since then and have paid everything perfect. My credit score is now 680 and I have good income with a down payment. I'm trying to find somewhere to get a mortgage but I'm not having much luck. Any suggestions?<br \><br \>2 replies Fri, 05 Jul 2013 17:09:00 GMT http://www.zillow.com/advice-thread/Looking-for-a-Mortgage-Lender-after-Bankruptcy-with-a-home-included/500452/ 2013-07-05T17:09:00Z How do I delete this listing.It is separately listed by realtor as Ridgway Road, not Lower? http://www.zillow.com/advice-thread/How-do-I-delete-this-listing-It-is-separately-listed-by-realtor-as-Ridgway-Road-not-Lower/460877/ I now have a realtor who has listed the house as 921 Ridgeway Road.<br/>This 921 Lower Ridgeway Road is conflicting with more current listing.<br \><br \>0 replies Fri, 21 Sep 2012 18:59:00 GMT http://www.zillow.com/advice-thread/How-do-I-delete-this-listing-It-is-separately-listed-by-realtor-as-Ridgway-Road-not-Lower/460877/ 2012-09-21T18:59:00Z What can I do to get more (or better) quotes for my loan request? http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request/451246/ Seeking to refinance to reduce monthly payment on Fannie Mae loan by getting a better interest rate. I'm currently paying almost 6.5% on my traditional loan, even with stellar credit. I 'technically' own my home alone, because my husband had very poor credit when we purchased, though his credit has since improved. So I'm wondering if owning alone is why my interest rate is sky high? I was very young when I bought, and didn't shop around for rates. Sure am regretting it now.<br/><br/>The other day on here I plugged my numbers in and was given a few options, but today there are no options coming up. <br/><br/>Credit score ~770. Balance owed is $96,150. Last actual appraisal was $105K, but that was nearly 5 years ago. Zillow estimates the home at $94K but I just don't think that's correct (At least I hope it isn't!).<br/><br/>Ideally I'd like to get a 20-year fixed, instead of committing to *another* 30. The other day, it was showing me some options for 20-year, and they were still lower than what I pay now on my 30 (which has ~25 remaining).<br/><br/>I realize my LTV is very high, but surely there are some kind of options for me?<br \><br \>0 replies Mon, 16 Jul 2012 18:41:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request/451246/ 2012-07-16T18:41:00Z Disputing items on credit report http://www.zillow.com/advice-thread/Disputing-items-on-credit-report/426446/ I recently disputed several collection items that I paid in full. All but one was deleted from my Experian <a href="http://www.zillow.com/mortgage-glossary/Credit-Report/">credit report</a>. I still haven't received the results from Transunion and Equifax. We are planning to <a href="http://www.zillow.com/learnmore/what-zillow-offers-buyers.htm">buy a home</a> in the next six months. I had an AT&amp;T cell phone bill removed that was a couple of months old. Will this help my score at all? I have one car loan, 2 credit cards and a small personal <a href="http://www.zillow.com/mortgage-rates/">loan</a> that are in good standing with no late payments. My Transunion score is 576. I don't know the other two. I know I need a 640 to be approved. Any suggestions to help raise my score will be greatly appreciated.<br \><br \>4 replies Thu, 22 Dec 2011 00:16:00 GMT http://www.zillow.com/advice-thread/Disputing-items-on-credit-report/426446/ 2011-12-22T00:16:00Z Any lenders who service West Virginia that can approve a 620 credit score for FHA/USDA? http://www.zillow.com/advice-thread/Any-lenders-who-service-West-Virginia-that-can-approve-a-620-credit-score-for-FHA-USDA/427139/ Could we use my credit and and my husband's income? We would like to go with an <a href="http://www.zillow.com/fha-loan/">FHA</a> or USDA <a href="http://www.zillow.com/mortgage-rates/">loan</a>. I know the are we live in is USDA eligible and my husband's income qualifies for a Guaranteed Loan.<br \><br \>0 replies Fri, 30 Dec 2011 07:56:00 GMT http://www.zillow.com/advice-thread/Any-lenders-who-service-West-Virginia-that-can-approve-a-620-credit-score-for-FHA-USDA/427139/ 2011-12-30T07:56:00Z Last sale date/price http://www.zillow.com/advice-thread/Last-sale-date-price/104844/ House was sold for 150,000 in Aug 2006. Your info does not reflect this last sale. Can this be updated?<br \><br \>1 reply Mon, 21 Jan 2008 17:38:00 GMT http://www.zillow.com/advice-thread/Last-sale-date-price/104844/ 2008-01-21T17:38:00Z Drastic Home Value Increase - Why? http://www.zillow.com/advice-thread/Drastic-Home-Value-Increase-Why/403684/ My home went from $140,000 estimated to $219,000 in one month!&nbsp; That's a huge increase for me to believe this Zestimate.&nbsp; Had home prices in the East End of Charleston WV increased that drastically in the past few months?<br \><br \>4 replies Thu, 16 Jun 2011 22:11:00 GMT http://www.zillow.com/advice-thread/Drastic-Home-Value-Increase-Why/403684/ 2011-06-16T22:11:00Z I want to cxl this listing if I can not add items that were done several years ago. Please call me. http://www.zillow.com/advice-thread/I-want-to-cxl-this-listing-if-I-can-not-add-items-that-were-done-several-years-ago-Please-call-me/403576/ please call me at 304-553-6561.&nbsp; Thank you!&nbsp;&nbsp;&nbsp; Cathy Basham<br \><br \>1 reply Thu, 16 Jun 2011 15:31:00 GMT http://www.zillow.com/advice-thread/I-want-to-cxl-this-listing-if-I-can-not-add-items-that-were-done-several-years-ago-Please-call-me/403576/ 2011-06-16T15:31:00Z On Craig's list this home is listed as owner financed. What are the terms if owner financed? http://www.zillow.com/advice-thread/On-Craig%27s-list-this-home-is-listed-as-owner-financed-What-are-the-terms-if-owner-financed/338836/ 3 replies Mon, 29 Mar 2010 16:29:00 GMT http://www.zillow.com/advice-thread/On-Craig%27s-list-this-home-is-listed-as-owner-financed-What-are-the-terms-if-owner-financed/338836/ 2010-03-29T16:29:00Z Why is the value for 404 Rock Holly, Charleston, WV 25314 more than 402 Rock Holly Rd -402 has a gar http://www.zillow.com/advice-thread/Why-is-the-value-for-404-Rock-Holly-Charleston-WV-25314-more-than-402-Rock-Holly-Rd-402-has-a-gar/338232/ Am trying to understand why 404 Rock Holly est value is several thousand more than&nbsp;402 Rock Holly when the latter has a enclosed garage with auto opener?<br \><br \>0 replies Sat, 27 Mar 2010 17:57:00 GMT http://www.zillow.com/advice-thread/Why-is-the-value-for-404-Rock-Holly-Charleston-WV-25314-more-than-402-Rock-Holly-Rd-402-has-a-gar/338232/ 2010-03-27T17:57:00Z Property value on Edens Fork, Charleston, WV http://www.zillow.com/advice-thread/Property-value-on-Edens-Fork-Charleston-WV/335899/ 0 replies Sat, 20 Mar 2010 22:40:00 GMT http://www.zillow.com/advice-thread/Property-value-on-Edens-Fork-Charleston-WV/335899/ 2010-03-20T22:40:00Z is this house worth $239.000? http://www.zillow.com/advice-thread/is-this-house-worth-239-000/327397/ <p><strong><font>767 Lower Donally, Charleston, WV 25304</font></strong></p><br \><br \>0 replies Tue, 23 Feb 2010 02:40:00 GMT http://www.zillow.com/advice-thread/is-this-house-worth-239-000/327397/ 2010-02-23T02:40:00Z Are room dimensions listed somewhere? http://www.zillow.com/advice-thread/Are-room-dimensions-listed-somewhere/324824/ 1 reply Mon, 15 Feb 2010 13:32:00 GMT http://www.zillow.com/advice-thread/Are-room-dimensions-listed-somewhere/324824/ 2010-02-15T13:32:00Z How do you change your house for sale from by an agent to for sale by owner? http://www.zillow.com/advice-thread/How-do-you-change-your-house-for-sale-from-by-an-agent-to-for-sale-by-owner/323923/ 1 reply Thu, 11 Feb 2010 23:44:00 GMT http://www.zillow.com/advice-thread/How-do-you-change-your-house-for-sale-from-by-an-agent-to-for-sale-by-owner/323923/ 2010-02-11T23:44:00Z When buying a house if you buy through a realtor do you pay them if their not the ones' who listed. http://www.zillow.com/advice-thread/When-buying-a-house-if-you-buy-through-a-realtor-do-you-pay-them-if-their-not-the-ones%27-who-listed/315172/ If you go to a <a href="http://www.zillow.com">real estate</a> company like century 21 and they show you a house and you decide to buy it and the real estate company does the offer and everything.&nbsp; Do you pay <br/>them, or does the seller pay them, or do I pay them and he pays the company who listed the house for him..<br \><br \>1 reply Fri, 15 Jan 2010 19:21:00 GMT http://www.zillow.com/advice-thread/When-buying-a-house-if-you-buy-through-a-realtor-do-you-pay-them-if-their-not-the-ones%27-who-listed/315172/ 2010-01-15T19:21:00Z I did not get any quotes on my loan request (ZR-ZTCXMYL). Can someone help me figure out why? http://www.zillow.com/advice-thread/I-did-not-get-any-quotes-on-my-loan-request-ZR-ZTCXMYL-Can-someone-help-me-figure-out-why/313343/ 1 reply Sun, 10 Jan 2010 01:06:00 GMT http://www.zillow.com/advice-thread/I-did-not-get-any-quotes-on-my-loan-request-ZR-ZTCXMYL-Can-someone-help-me-figure-out-why/313343/ 2010-01-10T01:06:00Z