Zillow Advice RSS: Question-Discussion-Guide,All Real Estate Advice Topics,Portland- ME http://www.zillow.com/advice/Portland-ME/all/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate how do you get a mortgage discharge dated 1971 from Hud when they can not find the loan when I call? http://www.zillow.com/advice-thread/how-do-you-get-a-mortgage-discharge-dated-1971-from-Hud-when-they-can-not-find-the-loan-when-I-call/559966/ trying to sell my house, when they did the title search it came up with a old mortgage dated 1971 from &nbsp;Hud, when I called Hud up they could not find it. What can I do to get it removed? &nbsp;Refinance three times since 1971 with no problems.<br \><br \>2 replies Sat, 20 Sep 2014 01:24:00 GMT http://www.zillow.com/advice-thread/how-do-you-get-a-mortgage-discharge-dated-1971-from-Hud-when-they-can-not-find-the-loan-when-I-call/559966/ 2014-09-20T01:24:00Z Condotel & Non-Warrantable Condo Financing in MAINE http://www.zillow.com/advice-thread/Condotel-Non-Warrantable-Condo-Financing-in-MAINE/545024/ Please email me your contact information and your program descriptions for these products. Need an outlet ASAP! Bfontaine@primeres.com Thank you!<br \><br \>2 replies Wed, 11 Jun 2014 08:10:00 GMT http://www.zillow.com/advice-thread/Condotel-Non-Warrantable-Condo-Financing-in-MAINE/545024/ 2014-06-11T08:10:00Z Interested in developing presence on Zillow http://www.zillow.com/advice-thread/Interested-in-developing-presence-on-Zillow/553425/ Mortgage banker based in Portland, ME<br \><br \>4 replies Wed, 06 Aug 2014 15:25:00 GMT http://www.zillow.com/advice-thread/Interested-in-developing-presence-on-Zillow/553425/ 2014-08-06T15:25:00Z I'm looking for a portfolio lender to purchase a home in the state of MAINE. Any suggestions? Thanks http://www.zillow.com/advice-thread/I%27m-looking-for-a-portfolio-lender-to-purchase-a-home-in-the-state-of-MAINE-Any-suggestions-Thanks/543884/ I'm looking for a lender who will accept <u><strong>~32 months of child support</strong></u> as income as opposed to the standard 36 months. I've been advised to use a portfolio lender. Any suggestions on how to find one for the state of Maine? <br/>I have good credit and putting down a large down payment (~50%)<br/><br/>I've been pre-approved for a loan but I'd have to find and close a home within 6 weeks. I'm moving across the country, so that's tough timing. <br/>Thanks!<br \><br \>3 replies Tue, 03 Jun 2014 15:20:00 GMT http://www.zillow.com/advice-thread/I%27m-looking-for-a-portfolio-lender-to-purchase-a-home-in-the-state-of-MAINE-Any-suggestions-Thanks/543884/ 2014-06-03T15:20:00Z does this site include listings from help2sell and other such discount agencies? http://www.zillow.com/advice-thread/does-this-site-include-listings-from-help2sell-and-other-such-discount-agencies/537016/ 2 replies Fri, 18 Apr 2014 15:35:00 GMT http://www.zillow.com/advice-thread/does-this-site-include-listings-from-help2sell-and-other-such-discount-agencies/537016/ 2014-04-18T15:35:00Z Is there a location where a tenant can write a review on a property? http://www.zillow.com/advice-thread/Is-there-a-location-where-a-tenant-can-write-a-review-on-a-property/535616/ 2 replies Tue, 08 Apr 2014 15:13:00 GMT http://www.zillow.com/advice-thread/Is-there-a-location-where-a-tenant-can-write-a-review-on-a-property/535616/ 2014-04-08T15:13:00Z how safe is the west end of portland maine http://www.zillow.com/advice-thread/how-safe-is-the-west-end-of-portland-maine/535051/ 2 replies Thu, 03 Apr 2014 23:10:00 GMT http://www.zillow.com/advice-thread/how-safe-is-the-west-end-of-portland-maine/535051/ 2014-04-03T23:10:00Z 203K http://www.zillow.com/advice-thread/203K/534432/ Hi all,&nbsp;<br/>My husband and I are looking into obtaining a 203K for a property in Maine and would like to hire my uncle, a licenced, bonded, insured contractor to do the work. Has anyone had any success getting around the contractor cannot be a relative clause? &nbsp;We trust him much more than we would a stranger and really feel like he would keep all of the subcontractors honest as well. From other threads it seems like there may be ways to get around this clause but our loan officer did not seem flexible about it at all.&nbsp;<br/><br/>Has anyone had any luck?<br/><br/>&nbsp;<br \><br \>6 replies Sun, 30 Mar 2014 18:57:00 GMT http://www.zillow.com/advice-thread/203K/534432/ 2014-03-30T18:57:00Z Who can I talk to in Main about getting an FHA loan? http://www.zillow.com/advice-thread/Who-can-I-talk-to-in-Main-about-getting-an-FHA-loan/523478/ I have a low credit score, 560ish last time I checked) but 10% for a down payment. I'm trying to get a house cause I'm sick of living in places and having them sold from underneath me! (this is the third time this has happened) I'm also sick of paying 1200 to someone else for something I don't own in any way shape or form. Is there any way I can get a loan or talk to someone about it. Research I have done suggested that people with lower credit scores can get an FHA loan with 10% down.<br \><br \>6 replies Mon, 06 Jan 2014 15:52:00 GMT http://www.zillow.com/advice-thread/Who-can-I-talk-to-in-Main-about-getting-an-FHA-loan/523478/ 2014-01-06T15:52:00Z apartment on 6 white birchln apt4 portland maine is not a ligate post http://www.zillow.com/advice-thread/apartment-on-6-white-birchln-apt4-portland-maine-is-not-a-ligate-post/533284/ the email they sent me back is the same email I have gotten before when I then realized it was not the right owner of the house, the email is word for word the SAME EXCEPT THE ADDRESS AND IT SAYS STUFF ABOUT IT BEING A HOUSE AND IT IS ACTUALLY AN APRARTMENT<br \><br \>1 reply Fri, 21 Mar 2014 23:39:00 GMT http://www.zillow.com/advice-thread/apartment-on-6-white-birchln-apt4-portland-maine-is-not-a-ligate-post/533284/ 2014-03-21T23:39:00Z Bought a house 100' from the freeway AND 100' from the ocean. Will it sell? http://www.zillow.com/advice-thread/Bought-a-house-100%27-from-the-freeway-AND-100%27-from-the-ocean-Will-it-sell/532418/ I recently bought a home in Maine about 100' from a freeway to the left and 100" from the ocean to the right. &nbsp;The freeway is loud with no tree cover to soften the noise in the winter and probably just &nbsp;as loud in the summer. We have a view of the ocean and we're steps away from community beach and marina. &nbsp;The house is a charming little New Englander. &nbsp;Houses in this neighborhood don't come up for sale very often.<br/><br/>The traffic noise is driving me bonkers. &nbsp;I feel like I live in a motel by the highway. &nbsp;We've been here for about two months and love the neighborhood and the house. The zestimate is almost the exact price we paid. &nbsp;The area is becoming hip and I'm hoping if we decide to sell one of the many people who are moving here from larger cities won't think the noise is an issue. &nbsp;<br/><br/>Any thoughts on selling a house so close to the ocean but also so close to the freeway?<br \><br \>2 replies Sat, 15 Mar 2014 13:15:00 GMT http://www.zillow.com/advice-thread/Bought-a-house-100%27-from-the-freeway-AND-100%27-from-the-ocean-Will-it-sell/532418/ 2014-03-15T13:15:00Z Can I Market Properties Broadcasting Live Feed from my Camera Equipment to Zillow? http://www.zillow.com/advice-thread/Can-I-Market-Properties-Broadcasting-Live-Feed-from-my-Camera-Equipment-to-Zillow/532895/ Dear Zillow, <br/>I have live "broadcast" capabilities on my video camera equipment and I can send the live feed directly to your website or to clients email addresses. Essentially I can shoot live "walk in's" with a realtor and showcase the house and property and broadcast directly to&nbsp;clients smartphones and tablets.<br \><br \>0 replies Wed, 19 Mar 2014 14:39:00 GMT http://www.zillow.com/advice-thread/Can-I-Market-Properties-Broadcasting-Live-Feed-from-my-Camera-Equipment-to-Zillow/532895/ 2014-03-19T14:39:00Z Do both spouses need good credit to qualify for an FHA or RD mortgage? http://www.zillow.com/advice-thread/Do-both-spouses-need-good-credit-to-qualify-for-an-FHA-or-RD-mortgage/335390/ I have fair credit (654) but my husband's credit recently dropped to 565 (a medical bill went to the credit bureaus shortly before we paid it...).&nbsp; We'd like to become first time home buyers.&nbsp; Is it possible to qualify for an FHA/RD <a href="http://www.zillow.com/mortgage/">mortgage</a> with these credit scores?&nbsp; Also, is it better to go through a <a href="http://www.zillow.com/directory/lenders/">mortgage broker</a> or directly through a <a href="http://www.zillow.com/directory/lenders/">lender</a> (when seeking these types of loans)?&nbsp; Thanks for the advice!<br \><br \>12 replies Thu, 18 Mar 2010 22:16:00 GMT http://www.zillow.com/advice-thread/Do-both-spouses-need-good-credit-to-qualify-for-an-FHA-or-RD-mortgage/335390/ 2010-03-18T22:16:00Z Conventional Down payment for Owner Occupied 2 Family Home? http://www.zillow.com/advice-thread/Conventional-Down-payment-for-Owner-Occupied-2-Family-Home/475042/ Hello,<br/><br/>Does anyone know if there is a minimum down payment for CONVENTIONAL financing on a two unit, owner occupied property? I've heard rumors that Fannie Mae/Freddie Mac require 15% down in a duplex situation - but also heard that this might apply only to investment properties and not to owner occupied homes.&nbsp;<br/><br/>I'd like to do 10% down and get conventional financing -- but this down payment issue concerns me.<br/><br/>Thanks!<br \><br \>4 replies Sat, 19 Jan 2013 20:20:00 GMT http://www.zillow.com/advice-thread/Conventional-Down-payment-for-Owner-Occupied-2-Family-Home/475042/ 2013-01-19T20:20:00Z Mortgage for home with small retail space? http://www.zillow.com/advice-thread/Mortgage-for-home-with-small-retail-space/486133/ Hello, all -<br/><br/>I'm looking to buy a home and I've found one that I love, but it's a downtown building with a small retail space on the first floor, and 2.5 floors of residential living space above.&nbsp;<br/><br/>I'm having trouble finding residential financing for this. I've talked with a couple of lenders and both told me it would be a 'commercial' purchase since it has the retail unit (even though the retail space is only about 1/4 of the square footage).&nbsp;<br/><br/>Any tips on how to make this happen? I'd ideally like to find a 10% down program to facilitate the purchase.<br/><br/>Thanks so much!<br \><br \>3 replies Wed, 03 Apr 2013 18:10:00 GMT http://www.zillow.com/advice-thread/Mortgage-for-home-with-small-retail-space/486133/ 2013-04-03T18:10:00Z Can a person with low credit buy land and put a house on it? http://www.zillow.com/advice-thread/Can-a-person-with-low-credit-buy-land-and-put-a-house-on-it/521972/ This might seem like a stupid question but can someone with poor credit (not sure what it is. But my current accounts are in good standings and I'm paying things off one at a time. I got really behind while I was going to school) my boyfriend has alright credit he had none and is building, all accounts in good standings. We were looking into buying land and building a house on it as we're very interested in farming. We can't afford to buy a house with farmland established (we did the math and can afford a house in 120000 range.) We've been looking into land close to where we live and can get 6-12 acs land and a cheap house/mobile for that but we're looking into loans and no idea where to start with low credit scores. We are sick of paying someone else 1100 a month to live in their house we'd really like to apply that to our own home any help is appreciated. Thank you.<br \><br \>3 replies Wed, 18 Dec 2013 21:57:00 GMT http://www.zillow.com/advice-thread/Can-a-person-with-low-credit-buy-land-and-put-a-house-on-it/521972/ 2013-12-18T21:57:00Z What is your opinion about home staging? http://www.zillow.com/advice-thread/What-is-your-opinion-about-home-staging/510453/ Professional home stagers can be very expesive. If the client has basicaly de-cluttered, do they need to do more?<br \><br \>18 replies Sun, 08 Sep 2013 12:21:00 GMT http://www.zillow.com/advice-thread/What-is-your-opinion-about-home-staging/510453/ 2013-09-08T12:21:00Z Legal recourse for not disbursing funds after refinance closes? http://www.zillow.com/advice-thread/Legal-recourse-for-not-disbursing-funds-after-refinance-closes/484734/ We recently got a call from Citimortgage (our current loan servicer) about refinancing under HARP. We have an 80/20 mortgage on a condo and are under water, never been late on a payment. We started a refi inquiry with Citi months ago, but never heard from them. When they finally called, we were very up front with the guy that we had just purchased a second house due to an expanding family, and it was up in the air as to whether we were going to sell or rent the first property. When we first inquired with Citi about refinancing, we still lived in the condo as a primary residence. We were very up front that this was no longer the case.<br/><br/>Everything ended up being pushed through, we had to pay our property taxes early, a notary came to our house to sign all the docs. We were told we had 3 days to back out. Three weeks and MANY phone calls to Citimortgage later, we still had not heard from them and our loan was still not disbursed. My husband got a call back today, finally, saying that our loan was kicked back to Underwriting where they now refused to fund it because we own a 2nd property.<br/><br/>We want to know, can they legally do this after providing us a GFE and after all of the paper work was signed to close the refinance? We were not evasive at any point about owning two properties, and they even saw evidence of this at the point of approval when they ran our credit report. We were assured many times that it wasn't going to be a problem. It seems unfair to us that 3 weeks later they can just say "sorry" without giving us any notice. We want to know if it's in our best interest to contact a lawyer. The refi was going to save us a lot of money over the next 25 years, and after being told that we could still go through with it, we decide to keep the property as a rental and rented it the month after the loan was supposed to close.&nbsp;<br/><br/>Any advice would be great!<br \><br \>12 replies Mon, 25 Mar 2013 23:01:00 GMT http://www.zillow.com/advice-thread/Legal-recourse-for-not-disbursing-funds-after-refinance-closes/484734/ 2013-03-25T23:01:00Z How would I find furnished sublets or rental apts (1 BR) in Portland? http://www.zillow.com/advice-thread/How-would-I-find-furnished-sublets-or-rental-apts-1-BR-in-Portland/481824/ I am searching for an inexpensive furnished rental or sublet apartment in a good neighborhood in Portland, Maine.<br \><br \>2 replies Fri, 08 Mar 2013 01:04:00 GMT http://www.zillow.com/advice-thread/How-would-I-find-furnished-sublets-or-rental-apts-1-BR-in-Portland/481824/ 2013-03-08T01:04:00Z How many pictures can you download for your listing? http://www.zillow.com/advice-thread/How-many-pictures-can-you-download-for-your-listing/391171/ 1 reply Thu, 17 Mar 2011 11:52:00 GMT http://www.zillow.com/advice-thread/How-many-pictures-can-you-download-for-your-listing/391171/ 2011-03-17T11:52:00Z