Zillow Advice RSS: Question-Discussion-Guide,All Real Estate Advice Topics,Joliet- IL http://www.zillow.com/advice/Joliet-IL/all/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Can I get a home loan with a credit score of 661? http://www.zillow.com/advice-thread/Can-I-get-a-home-loan-with-a-credit-score-of-661/555793/ Can I get a home loan with a credit score of 661? My annual income is $86K and I have had a steady job for 9 years.&nbsp; I have a few collection accounts (hospital bills) that have been paid off at the end of 2013 and I have nothing negative with a balance on my credit report. I have a car loan of $250 a month and 2 student loans of $135 a month combined. I have 2 credit cards and maintain a very low balance of around $200.&nbsp; I plan to pay one of the student loans off to increase my credit score a little.&nbsp; I would like to seriously start looking March 2015.&nbsp;<br \><br \>6 replies Thu, 21 Aug 2014 14:52:00 GMT http://www.zillow.com/advice-thread/Can-I-get-a-home-loan-with-a-credit-score-of-661/555793/ 2014-08-21T14:52:00Z My credit score is bad but i have a high yearly income, why cant i rent from zillow? http://www.zillow.com/advice-thread/My-credit-score-is-bad-but-i-have-a-high-yearly-income-why-cant-i-rent-from-zillow/552870/ 1 reply Sun, 03 Aug 2014 18:35:00 GMT http://www.zillow.com/advice-thread/My-credit-score-is-bad-but-i-have-a-high-yearly-income-why-cant-i-rent-from-zillow/552870/ 2014-08-03T18:35:00Z Shingles on detached garage need replacing. Is it worth it? http://www.zillow.com/advice-thread/Shingles-on-detached-garage-need-replacing-Is-it-worth-it/547668/ We will be selling our home in IL in a couple months.&nbsp; I noticed that the shingles on the roof of our two car detached garage are in terrible shape.&nbsp; Any idea how much this will affect the home value?&nbsp; I can do the work myself but wonder if it is worth it.&nbsp; Any appraisers here who can offer their opinions?<br/>Thank you,<br/>James<br \><br \>4 replies Sat, 28 Jun 2014 22:53:00 GMT http://www.zillow.com/advice-thread/Shingles-on-detached-garage-need-replacing-Is-it-worth-it/547668/ 2014-06-28T22:53:00Z Didn't file taxes in 2012, can I still get a loan? http://www.zillow.com/advice-thread/Didn%27t-file-taxes-in-2012-can-I-still-get-a-loan/531818/ Made 30k in 2012, thought I filed via turbo tax but it appears I may have never sent the return. I just received my w-2 from my formal employer in the mail today, I will be filling my 2012 taxes once I get my T-1098 (college tuition form).<br/><br/>I made 70k last year(2013) and my base pay is 65k, I have already filed my taxes this year and received my return. I got pre qualified for 180k with 5% down and have found a home I'd be interested in putting in an offer on, am I screwed for not filing my 2012 taxes?&nbsp;<br/><br/>Thanks<br \><br \>6 replies Tue, 11 Mar 2014 06:45:00 GMT http://www.zillow.com/advice-thread/Didn%27t-file-taxes-in-2012-can-I-still-get-a-loan/531818/ 2014-03-11T06:45:00Z Is there any way around waiting four years for a conventional loan after bankruptcy? http://www.zillow.com/advice-thread/Is-there-any-way-around-waiting-four-years-for-a-conventional-loan-after-bankruptcy/539012/ I filed chapter 7 bankruptcy in 2011. My husband did not. Both of our names are on the mortgage. When I filed bankruptcy, I was in nursing school and my husband suddenly got laid off from his job for six months. Since then, I've graduated and have been at my job for 3 years. My husband is back to work at his company. I have spotless credit since filing. I have two car loans we pay a couple hundred extra on each month, the mortgage, and a couple credit cards to rebuild credit. We made just under 200k last year and have 20k to put down. Is there any way to get a conventional loan after only 3 years? We don't have any equity in our house because our home value keeps dropping, so we can't sell. The house is just too small for our family. Any advise would be appreciated. Thank you.<br \><br \>8 replies Fri, 02 May 2014 21:38:00 GMT http://www.zillow.com/advice-thread/Is-there-any-way-around-waiting-four-years-for-a-conventional-loan-after-bankruptcy/539012/ 2014-05-02T21:38:00Z appraisol http://www.zillow.com/advice-thread/appraisol/536636/ if a home is appraised at 178.000&nbsp; can a bank say that they think it is not worth it and tell you you can only receive what they think it is worth ?<br \><br \>2 replies Wed, 16 Apr 2014 01:17:00 GMT http://www.zillow.com/advice-thread/appraisol/536636/ 2014-04-16T01:17:00Z Can wife's name be on home loan with bad credit? http://www.zillow.com/advice-thread/Can-wife%27s-name-be-on-home-loan-with-bad-credit/531613/ My credit score was less than my husband's score in 1994. He told me in order for us to get buy a house that I would have to sign papers giving up all rights and interests in the house. I signed but it did not sound right. He said that is what the lender and the real estate said. About 5 years ago he added my name to the loan when we refinanced it, but I was told my name couldn't ever be added to the deed. I just want to know if that was the truth.<br \><br \>3 replies Sun, 09 Mar 2014 21:31:00 GMT http://www.zillow.com/advice-thread/Can-wife%27s-name-be-on-home-loan-with-bad-credit/531613/ 2014-03-09T21:31:00Z where do i find complaints about realtors http://www.zillow.com/advice-thread/where-do-i-find-complaints-about-realtors/520079/ 2 replies Mon, 25 Nov 2013 18:31:00 GMT http://www.zillow.com/advice-thread/where-do-i-find-complaints-about-realtors/520079/ 2013-11-25T18:31:00Z What should I do before selling my home? http://www.zillow.com/advice-thread/What-should-I-do-before-selling-my-home/516139/ Homes on my street appear to be selling as rental properties only?<br \><br \>5 replies Mon, 21 Oct 2013 19:52:00 GMT http://www.zillow.com/advice-thread/What-should-I-do-before-selling-my-home/516139/ 2013-10-21T19:52:00Z (Moved): My property is in twice http://www.zillow.com/advice-thread/Moved-My-property-is-in-twice/509798/ This discussion has been moved to the following location: <a href="http://www.zillow.com/advice-thread/My-property-is-in-twice/509569/">http://www.zillow.com/advice-thread/My-property-is-in-twice/509569/</a><br \><br \>0 replies Tue, 03 Sep 2013 16:27:00 GMT http://www.zillow.com/advice-thread/Moved-My-property-is-in-twice/509798/ 2013-09-03T16:27:00Z We have bad credit. Ch7 4yrs ago. What % down should we have to get a mortgage. http://www.zillow.com/advice-thread/We-have-bad-credit-Ch7-4yrs-ago-What-down-should-we-have-to-get-a-mortgage/505933/ We filed a Ch7 4 years ago.&nbsp; We have been renting since then and really want to buy a home soon.&nbsp; My parents are going to give us a sizable down payment, but what % down will it take to get approved with bad credit?&nbsp;<br \><br \>8 replies Thu, 08 Aug 2013 22:17:00 GMT http://www.zillow.com/advice-thread/We-have-bad-credit-Ch7-4yrs-ago-What-down-should-we-have-to-get-a-mortgage/505933/ 2013-08-08T22:17:00Z Regarding Credit Scores, is MyFico.com accurate? http://www.zillow.com/advice-thread/Regarding-Credit-Scores-is-MyFico-com-accurate/484631/ I have been using myfico.com to monitor my fico scores, but I have noticed it only tracks Experian and Transunion, will this be an issue not knowing the third score?&nbsp; I have worked on fixing my flaws that I have seen on these two, that should also help my third, correct?<br \><br \>6 replies Mon, 25 Mar 2013 14:46:00 GMT http://www.zillow.com/advice-thread/Regarding-Credit-Scores-is-MyFico-com-accurate/484631/ 2013-03-25T14:46:00Z $ bedroom house needed to buy http://www.zillow.com/advice-thread/bedroom-house-needed-to-buy/501240/ We are looking for 4 bedroom house, &nbsp;built not later than 1980. with minimum of 2 acres of the land. In the radius of 50 miles away Chicago (Southwest or west suburbs)<br/>Our price range is up to $400,000<br \><br \>4 replies Wed, 10 Jul 2013 19:40:00 GMT http://www.zillow.com/advice-thread/bedroom-house-needed-to-buy/501240/ 2013-07-10T19:40:00Z Looking to rent in Joliet Shorewood Minooka Channahon http://www.zillow.com/advice-thread/Looking-to-rent-in-Joliet-Shorewood-Minooka-Channahon/475345/ Hi I'm looking for a rental house for me and my two friends in Joliet Shorewood Minooka or Channahon. We want to move out as soon as possible but it depends on how much it is to move in, the latest would be MArch. Looking for the best price possible willing to spend at the most 1200 a month. If someone can please help us out that would be great, and if you email us any properties can you please include what utilities rent and security deposit we have to pay. Thanks, Donna<br \><br \>0 replies Tue, 22 Jan 2013 15:07:00 GMT http://www.zillow.com/advice-thread/Looking-to-rent-in-Joliet-Shorewood-Minooka-Channahon/475345/ 2013-01-22T15:07:00Z Who is a HARP good lender near Joliet IL? http://www.zillow.com/advice-thread/Who-is-a-HARP-good-lender-near-Joliet-IL/474116/ I would like to refinance with Harp, and all the&nbsp;big banks wont work with me as the loan didnt originate with them. $120000 remaining balance, 80000$ estimate, 801 credit scrore.&nbsp;I do qualify for HARP and want to use local lenders as the internet lenders are&nbsp;garbage and do not offer anything in writing before you fax your life away. Who in the Joliet area is a good choice with low cost HARP loans?<br/>Thanks<br \><br \>3 replies Sat, 12 Jan 2013 14:53:00 GMT http://www.zillow.com/advice-thread/Who-is-a-HARP-good-lender-near-Joliet-IL/474116/ 2013-01-12T14:53:00Z What's the typical commission to an agent bringing in a cash buyer? http://www.zillow.com/advice-thread/What%27s-the-typical-commission-to-an-agent-bringing-in-a-cash-buyer/453758/ My realestate agent has a cash buyer for my townhome. We have not listed on the MLS yet or signed a contract with the realestate to market the home. The agent wants 3.5% commission. Is that reasonable seeing there have been no marketing or seling costs incurred by the real estate broker?<br \><br \>7 replies Thu, 02 Aug 2012 15:37:00 GMT http://www.zillow.com/advice-thread/What%27s-the-typical-commission-to-an-agent-bringing-in-a-cash-buyer/453758/ 2012-08-02T15:37:00Z zillow is so not accurate. My house purchase price is off by 130k and worth 80k more than listed. th http://www.zillow.com/advice-thread/zillow-is-so-not-accurate-My-house-purchase-price-is-off-by-130k-and-worth-80k-more-than-listed-th/434704/ zillow is so not accurate. My house purchase price is off by 130k and worth 80k more than listed. this site sucks<br \><br \>1 reply Sat, 10 Mar 2012 18:48:00 GMT http://www.zillow.com/advice-thread/zillow-is-so-not-accurate-My-house-purchase-price-is-off-by-130k-and-worth-80k-more-than-listed-th/434704/ 2012-03-10T18:48:00Z What to do if Zillow has wrong house information about the house I own? They have info on another http://www.zillow.com/advice-thread/What-to-do-if-Zillow-has-wrong-house-information-about-the-house-I-own-They-have-info-on-another/428185/ Zillow has picture of my house, yet they have info for the house with the same address but in a different town!&nbsp;<br \><br \>0 replies Tue, 10 Jan 2012 00:35:00 GMT http://www.zillow.com/advice-thread/What-to-do-if-Zillow-has-wrong-house-information-about-the-house-I-own-They-have-info-on-another/428185/ 2012-01-10T00:35:00Z I'm waiting for the price to drop.... http://www.zillow.com/advice-thread/I%27m-waiting-for-the-price-to-drop/422910/ I've heard this from home lookers many times.&nbsp; And I don't understand the logic.&nbsp; If you want to buy the house, at your price, become a buyer and make an offer.&nbsp; The worst that will happen is that the seller has yet to realize that they've overpriced the property and they won't sell it to you at your price.&nbsp; But at least you tried.&nbsp; <br/>Waiting for the price to drop on the house you want to buy only invites a real buyer to act before you if, in fact, the price does drop.&nbsp; Then you may actually end up paying more.&nbsp; <br/><p>"Destiny is not a matter of chance, but of choice. Not something to wish for, but to attain."</p><p>- William Jennings Bryan</p><br \><br \>4 replies Tue, 15 Nov 2011 05:51:00 GMT http://www.zillow.com/advice-thread/I%27m-waiting-for-the-price-to-drop/422910/ 2011-11-15T05:51:00Z is 3219 randy rd joliet il available http://www.zillow.com/advice-thread/is-3219-randy-rd-joliet-il-available/413070/ 2 replies Thu, 25 Aug 2011 03:48:00 GMT http://www.zillow.com/advice-thread/is-3219-randy-rd-joliet-il-available/413070/ 2011-08-25T03:48:00Z