Zillow Advice RSS: Question-Discussion-Guide,All Real Estate Advice Topics,San Jose- CA http://www.zillow.com/advice/San-Jose-CA/all/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Thoughts on the proposed plan to have sellers replace/remove wood burning fireplaces prior to sale? http://www.zillow.com/advice-thread/Thoughts-on-the-proposed-plan-to-have-sellers-replace-remove-wood-burning-fireplaces-prior-to-sale/587903/ 3 replies Thu, 21 May 2015 16:57:00 GMT http://www.zillow.com/advice-thread/Thoughts-on-the-proposed-plan-to-have-sellers-replace-remove-wood-burning-fireplaces-prior-to-sale/587903/ 2015-05-21T16:57:00Z Interested in buying a Duplex, Triplex or 4plex http://www.zillow.com/advice-thread/Interested-in-buying-a-Duplex-Triplex-or-4plex/585695/ Hi, I am interested in buying a Duplex, Triplex or Fourplex as Owner Occupied. I have a Credit Score of around 720+, an okay job. I would be living in the main house with family, who will be paying rent, and the other plexes will be rented. Could the Rental Income from this property be factored into the mortgage loan approval process? I have done some research and it seems like an FHA Loan with a 5% Downpayment would be the best option. I have money in savings and investments that I could put towards the downpayment. I could also borrow money from family to put down a larger amount towards the downpayment. My long-term goal would be to save/ gather enough money to buy a single family home and keep the #Plex as an investment property. Another option would be to work my way up to investing in apartment complexes or other real estate. What would be the best option for me? What are the steps that I need to take?<br \><br \>5 replies Tue, 05 May 2015 23:19:00 GMT http://www.zillow.com/advice-thread/Interested-in-buying-a-Duplex-Triplex-or-4plex/585695/ 2015-05-05T23:19:00Z Granite vs Quartz countertops in kitchen remodel? http://www.zillow.com/advice-thread/Granite-vs-Quartz-countertops-in-kitchen-remodel/481512/ I'm in the beginning stages of remodeling &amp; granite countertops are all the rage...all of my friends have it in their kitchens. However, I don't want granite. I like to cook a lot. I'm concerned about the porousness of granite (harboring bacteria and germs), and I've been told it can't be cleaned with anything like Chlorox Clean-up, which I use daily on my counters. I've also heard it's radioactive and has to be re-sealed constantly, depending on use and quality of stone purchased. I'm looking into quartz counters, which generally don't have these issues, have a shiny surface and in my opinion, also look more modern. I'm concerned though, if I go to resell my house in the future, if not choosing the granite might hurt me in the long run? Or, are quartz counters becoming more prevalent? I recently accompanied a friend to tour some town homes &amp; noticed the builders were using it in their models, instead of granite.<br \><br \>32 replies Wed, 06 Mar 2013 03:10:00 GMT http://www.zillow.com/advice-thread/Granite-vs-Quartz-countertops-in-kitchen-remodel/481512/ 2013-03-06T03:10:00Z HOA Demand Cost http://www.zillow.com/advice-thread/HOA-Demand-Cost/581397/ Hi,&nbsp;<br/><br/>I'm selling a condo w/ an HOA, and the HOA Demand which was required for the sale is priced at $624. For the Demand alone - not including documents or the transfer fee. This feels like extortion. Does anyone know what the average price of demand is in the Bay Area, and whether there are any laws governing agencies from charging an abusive price point? Has anyone been able to negotiate this cost?&nbsp;<br/><br/>Thanks!<br \><br \>4 replies Thu, 02 Apr 2015 22:30:00 GMT http://www.zillow.com/advice-thread/HOA-Demand-Cost/581397/ 2015-04-02T22:30:00Z What can I expect to pay in property taxes and insurance? (San Jose, CA) http://www.zillow.com/advice-thread/What-can-I-expect-to-pay-in-property-taxes-and-insurance-San-Jose-CA/363759/ 8 replies Wed, 25 Aug 2010 21:14:00 GMT http://www.zillow.com/advice-thread/What-can-I-expect-to-pay-in-property-taxes-and-insurance-San-Jose-CA/363759/ 2010-08-25T21:14:00Z Investing in an Apartment Complex http://www.zillow.com/advice-thread/Investing-in-an-Apartment-Complex/583392/ 5 replies Sat, 18 Apr 2015 16:17:00 GMT http://www.zillow.com/advice-thread/Investing-in-an-Apartment-Complex/583392/ 2015-04-18T16:17:00Z Mortgage in the SF south bay http://www.zillow.com/advice-thread/Mortgage-in-the-SF-south-bay/585229/ 790 credit rating, 340k annual income. I can put 70-75k down and I have ~2k in car loans. Also have a 401k for reserves, what kind of money can I borrow given these circumstances? And what rate can I expect to get?<br/><br/>Thanks!<br \><br \>6 replies Sat, 02 May 2015 08:43:00 GMT http://www.zillow.com/advice-thread/Mortgage-in-the-SF-south-bay/585229/ 2015-05-02T08:43:00Z Do you prefer a move-in ready home or one where you can do a little DIY? http://www.zillow.com/advice-thread/Do-you-prefer-a-move-in-ready-home-or-one-where-you-can-do-a-little-DIY/585983/ 2 replies Thu, 07 May 2015 21:57:00 GMT http://www.zillow.com/advice-thread/Do-you-prefer-a-move-in-ready-home-or-one-where-you-can-do-a-little-DIY/585983/ 2015-05-07T21:57:00Z Refinance with Foreclosure http://www.zillow.com/advice-thread/Refinance-with-Foreclosure/577005/ <p>In October 2014&nbsp;I purchased a home with my girlfriend who has a foreclosure on her record.&nbsp; At the time of the purchase we were told we would have to accept a higher rate because of the foreclosure but since it would be 4 yrs in January we would be able to refinance the property and get a lower rate (the foreclosure would effectively not count against her after 4 yrs).&nbsp; We are now being told we have to wait 7 yrs.</p><p>The&nbsp;purchase&nbsp;price was $1.175M, we put down 30%&nbsp; Appraised Value as of last year $1.4M</p><p>In addition to this purchase, my girlfriend has also been on two other refinanced loans in the last year and half one HARP refinance loan and one traditional refinance.&nbsp; She has a great credit score, just this one blemish on her credit report.</p><p>Any suggestions on a lender we can use to refinance?</p><p>We are located in Northern CA.</p><p>Thanks in advance.</p><br \><br \>9 replies Thu, 26 Feb 2015 00:48:00 GMT http://www.zillow.com/advice-thread/Refinance-with-Foreclosure/577005/ 2015-02-26T00:48:00Z 10% Down for a second home http://www.zillow.com/advice-thread/10-Down-for-a-second-home/585688/ I am looking for a loan product (or products) to purchase a second home with 10% down payment.&nbsp; The specifics are:<br/>Assumed property contract purchase price $750k<br/>location Truckee, CA (north lake tahoe)<br/>&gt; 760 credit scores <br/>&gt; 2 yr tax returns (my income is 1099, wife's is W-2)<br/><br/>Is there a 80/10/10 type product out there for second homes now?<br \><br \>4 replies Tue, 05 May 2015 22:30:00 GMT http://www.zillow.com/advice-thread/10-Down-for-a-second-home/585688/ 2015-05-05T22:30:00Z First time home buyer question http://www.zillow.com/advice-thread/First-time-home-buyer-question/578182/ 50k down, <br/>Want $720k house<br/>720+ credit scores<br/>180k combined income<br/>$1700 montly debt (2 cars, 2 student loans)<br/><br/>Realistic to think I can get a reasonable loan to buy a house in that range?<br/><br/>Santa Clara County in CA..there's not much under that price that I'd buy!<br/><br/>Thanks!<br \><br \>11 replies Sun, 08 Mar 2015 23:04:00 GMT http://www.zillow.com/advice-thread/First-time-home-buyer-question/578182/ 2015-03-08T23:04:00Z Planning to move to Meridian Woods condos San Jose CA. Can someone help in sharing some details? http://www.zillow.com/advice-thread/Planning-to-move-to-Meridian-Woods-condos-San-Jose-CA-Can-someone-help-in-sharing-some-details/583824/ <div>How this place generally?<div><br/><div>I saw some reviews about drugs and gang activities, though they are in 2008, just want to check how things around now.<br/><br/>Does the HOA allow installing W&amp;D?</div></div></div><br \><br \>2 replies Wed, 22 Apr 2015 04:32:00 GMT http://www.zillow.com/advice-thread/Planning-to-move-to-Meridian-Woods-condos-San-Jose-CA-Can-someone-help-in-sharing-some-details/583824/ 2015-04-22T04:32:00Z Can a real estate agent advertise another agents listing in order to get a buyer? http://www.zillow.com/advice-thread/Can-a-real-estate-agent-advertise-another-agents-listing-in-order-to-get-a-buyer/502232/ I came upon a advertisement on Craigslist for a house for sale but when I called the real estate agent I found out that this house is being listed by another agent from a different company as the agent I contacted. Is this unethical?<br \><br \>18 replies Tue, 16 Jul 2013 20:49:00 GMT http://www.zillow.com/advice-thread/Can-a-real-estate-agent-advertise-another-agents-listing-in-order-to-get-a-buyer/502232/ 2013-07-16T20:49:00Z Will the lane reduction in DT Willow Glen positively or negatively affect neighborhood traffic? http://www.zillow.com/advice-thread/Will-the-lane-reduction-in-DT-Willow-Glen-positively-or-negatively-affect-neighborhood-traffic/584984/ 1 reply Thu, 30 Apr 2015 17:33:00 GMT http://www.zillow.com/advice-thread/Will-the-lane-reduction-in-DT-Willow-Glen-positively-or-negatively-affect-neighborhood-traffic/584984/ 2015-04-30T17:33:00Z in home office desirability http://www.zillow.com/advice-thread/in-home-office-desirability/584464/ How much demand is there for an in home office and how much additional rent is normal?<br/>Thank you,<br \><br \>3 replies Mon, 27 Apr 2015 06:07:00 GMT http://www.zillow.com/advice-thread/in-home-office-desirability/584464/ 2015-04-27T06:07:00Z Would you find it helpful for your agent to help prepare your home for sale? http://www.zillow.com/advice-thread/Would-you-find-it-helpful-for-your-agent-to-help-prepare-your-home-for-sale/583273/ Is it helpful for a realtor to provide vendor contacts for window cleaning, home repairs, house cleaning, etc. to help you as a seller get your home ready to list?<br \><br \>2 replies Fri, 17 Apr 2015 16:14:00 GMT http://www.zillow.com/advice-thread/Would-you-find-it-helpful-for-your-agent-to-help-prepare-your-home-for-sale/583273/ 2015-04-17T16:14:00Z Is it possible to obtain a loan to buy a house if I get co-signers for their income? http://www.zillow.com/advice-thread/Is-it-possible-to-obtain-a-loan-to-buy-a-house-if-I-get-co-signers-for-their-income/581569/ Hello,<br/><br/>I am 22, credit score of about 730, going back to school this Fall, have some money in savings account, have money invested in stocks, work full time. I live in San Jose, Ca and we are paying a lot in rents. So, I was thinking of buying a house and put our money towards a home mortgage than towards rent. I would have my parents and sister co-sign so their income can be included in the calculation/application process. Is this a good idea? Will it increase the chances of getting approved and for a higher amount? They would be living in the house and paying "rent," which would go towards the mortgage, bills, etc. What are some loans that I should look into?<br/><br/>Thank You.<br \><br \>5 replies Sat, 04 Apr 2015 06:33:00 GMT http://www.zillow.com/advice-thread/Is-it-possible-to-obtain-a-loan-to-buy-a-house-if-I-get-co-signers-for-their-income/581569/ 2015-04-04T06:33:00Z Non-warrantable condo. What are my options? http://www.zillow.com/advice-thread/Non-warrantable-condo-What-are-my-options/581261/ I really like the condo, but it's non-warrantable. No FHA, Funnie Mae, or Freddy Mac approved. Initially, I wanted to do minimum down payment (3.5% or 3%) 30yr fixed loan, but learned that I don't have that option since it's non-warrantable. I want to keep my down payment as low as possible. I have excellent credit score. What are my options so I can place my offer.<br \><br \>6 replies Thu, 02 Apr 2015 01:46:00 GMT http://www.zillow.com/advice-thread/Non-warrantable-condo-What-are-my-options/581261/ 2015-04-02T01:46:00Z Looking for legal help http://www.zillow.com/advice-thread/Looking-for-legal-help/580600/ <em><strong>[charity appeal deleted by Zillow moderator. Please see our Good Neighbor Policy for posting guidelines]</strong></em><!--[if gte mso 9]><xml> </xml><![endif]--><!--[if gte mso 10]><style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-style-parent:""; line-height:115%; font-size:11.0pt; font-family:"Calibri","sans-serif";}</style><![endif]--><br \><br \>0 replies Fri, 27 Mar 2015 23:10:00 GMT http://www.zillow.com/advice-thread/Looking-for-legal-help/580600/ 2015-03-27T23:10:00Z As a first-time homebuyer, do you find the loan process and loan options confusing? http://www.zillow.com/advice-thread/As-a-first-time-homebuyer-do-you-find-the-loan-process-and-loan-options-confusing/578545/ 5 replies Wed, 11 Mar 2015 19:52:00 GMT http://www.zillow.com/advice-thread/As-a-first-time-homebuyer-do-you-find-the-loan-process-and-loan-options-confusing/578545/ 2015-03-11T19:52:00Z