Zillow Advice RSS: Question-Discussion,Mortgage,Roswell- GA http://www.zillow.com/advice/Roswell-GA/mortgage/question-discussion/ Zillow Advice search results | Zillow Real Estate Can I buy a home? http://www.zillow.com/advice-thread/Can-I-buy-a-home/493509/ I'm pretty sure my credit is a joke (thanks to 4 years of college) and I have nothing to give for a down payment. Can I still be eligible for a mortgage and where do I start? I am a teacher and my husband works part time.<br \><br \>6 replies Thu, 23 May 2013 03:31:00 GMT http://www.zillow.com/advice-thread/Can-I-buy-a-home/493509/ 2013-05-23T03:31:00Z Is the date of origination the same as date of securitization? http://www.zillow.com/advice-thread/Is-the-date-of-origination-the-same-as-date-of-securitization/515454/ I refinanced my condo in June 2003 with Wells Fargo.&nbsp; When I tried to apply for a HARP loan&nbsp;recently, I was&nbsp;told that I was ineligible because the date the loan was sold to Fannie Mae&nbsp;was June 24, 2009.&nbsp; Why did it take WF six years to sell my loan to FM, when the average time for a loan servicer to sell the loan to an investor is 2-3 months.&nbsp;&nbsp;Furthermore, other people have complained of the same issue, and I wonder if anyone has pursued the notion that FM and/or WF deliberately delayed many such loans until after the HARP deadline, just to avoid losing the additional dollars in loan payments.&nbsp; It is infuriating to know that I'm being penalized for something over which I had no control or knowledge, and yet I qualify by all other criteria:&nbsp; no previous HARP, no late payments.&nbsp; Some sources state that the date the loan originated needs to be before June 2009 to qualify for HARP, but wouldn't that be WF in this case? Hence, my question above regarding securitization versus origination.<br \><br \>7 replies Wed, 16 Oct 2013 02:40:00 GMT http://www.zillow.com/advice-thread/Is-the-date-of-origination-the-same-as-date-of-securitization/515454/ 2013-10-16T02:40:00Z the bank stated that I did not qualified for a heloc/2nd mortgage due to a credit score of 632 which http://www.zillow.com/advice-thread/the-bank-stated-that-I-did-not-qualified-for-a-heloc-2nd-mortgage-due-to-a-credit-score-of-632-which/514756/ You can email at <a href="mailto:infiniti52@aol.com" rel="nofollow">infiniti52@aol.com</a><br \><br \>2 replies Wed, 09 Oct 2013 22:58:00 GMT http://www.zillow.com/advice-thread/the-bank-stated-that-I-did-not-qualified-for-a-heloc-2nd-mortgage-due-to-a-credit-score-of-632-which/514756/ 2013-10-09T22:58:00Z Is the NFCU HomeBuyers Choice for first time homebuyers only? http://www.zillow.com/advice-thread/Is-the-NFCU-HomeBuyers-Choice-for-first-time-homebuyers-only/491209/ 1 reply Tue, 07 May 2013 19:13:00 GMT http://www.zillow.com/advice-thread/Is-the-NFCU-HomeBuyers-Choice-for-first-time-homebuyers-only/491209/ 2013-05-07T19:13:00Z Mother passed away and home was given to me in her will. How does that work with mortgage? http://www.zillow.com/advice-thread/Mother-passed-away-and-home-was-given-to-me-in-her-will-How-does-that-work-with-mortgage/471083/ <p>$260k value, $163k mortgage...I have bad credit but I can make the payment, do I have to qualify to take over mortgage or will the bank let me assume her mortgage?</p><br \><br \>3 replies Wed, 12 Dec 2012 03:56:00 GMT http://www.zillow.com/advice-thread/Mother-passed-away-and-home-was-given-to-me-in-her-will-How-does-that-work-with-mortgage/471083/ 2012-12-12T03:56:00Z Refinance 1st mortgaged with 2 mortgages / high CLTV http://www.zillow.com/advice-thread/Refinance-1st-mortgaged-with-2-mortgages-high-CLTV/475056/ Hi - If my first mortgage LTV is less than 80% but my CLTV with my 2nd mortgage is approximately 110% can I refinance without using HARP? I already used HARP1. I would only be interested in refinancing the first.<br \><br \>6 replies Sat, 19 Jan 2013 21:53:00 GMT http://www.zillow.com/advice-thread/Refinance-1st-mortgaged-with-2-mortgages-high-CLTV/475056/ 2013-01-19T21:53:00Z Help finalizing mortgage loan http://www.zillow.com/advice-thread/Help-finalizing-mortgage-loan/454141/ I have a signed binding agreement with the builder. Im seeking a LO to finance my loan. My mid-credit score is 646, monthly dept is $90, income $5200/mo. Anyone have advice on lenders that can help get my loan approved? Also, I am a first-time home buyer that has found a home in Savannah, Ga for $266k.<br \><br \>4 replies Sun, 05 Aug 2012 05:27:00 GMT http://www.zillow.com/advice-thread/Help-finalizing-mortgage-loan/454141/ 2012-08-05T05:27:00Z What about the rest of us who don't have Fannie or Freddie loans? Who cares about us? http://www.zillow.com/advice-thread/What-about-the-rest-of-us-who-don%27t-have-Fannie-or-Freddie-loans-Who-cares-about-us/269533/ We have a first and second and are deep underwater.&nbsp; Everything I read is about getting help for Fannie and Freddie loans- does not apply to either of our loans.&nbsp; Now what?&nbsp; What programs are available for us?&nbsp;<br \><br \>9 replies Tue, 18 Aug 2009 21:53:00 GMT http://www.zillow.com/advice-thread/What-about-the-rest-of-us-who-don%27t-have-Fannie-or-Freddie-loans-Who-cares-about-us/269533/ 2009-08-18T21:53:00Z My refi rate was locked without my consent. What recourse do I have? I have paid for appraisal. http://www.zillow.com/advice-thread/My-refi-rate-was-locked-without-my-consent-What-recourse-do-I-have-I-have-paid-for-appraisal/253835/ 3 replies Wed, 08 Jul 2009 01:27:00 GMT http://www.zillow.com/advice-thread/My-refi-rate-was-locked-without-my-consent-What-recourse-do-I-have-I-have-paid-for-appraisal/253835/ 2009-07-08T01:27:00Z Converting Refinanced Primary Residence to Rental http://www.zillow.com/advice-thread/Converting-Refinanced-Primary-Residence-to-Rental/234520/ My fianc&eacute; and I both own a house of our own. Both of us refinanced within the last two months. I refinanced because rates were so attractive; she refinanced because her <a href="http://www.zillow.com/mortgage/">mortgage</a> was set to adjust in August of 2009. With our marriage fast approaching, we have decided to rent her house because we don't want to sell either house in such a depressed housing market as this.<br/><br/>Here's our dilemma: We recently found the perfect renter and signed a lease, which will soon go into effect on June 1. We now need to switch our homeowner's policy to a policy for rental property. Will the <a href="http://www.zillow.com/directory/lenders/">lender</a> take action against us when they discover that her property, which was declared her primary residence only two months earlier, is now being converted to a rental property? What say you?<br \><br \>1 reply Wed, 13 May 2009 19:22:00 GMT http://www.zillow.com/advice-thread/Converting-Refinanced-Primary-Residence-to-Rental/234520/ 2009-05-13T19:22:00Z How do I go about researching the best refinance mortgage rates? http://www.zillow.com/advice-thread/How-do-I-go-about-researching-the-best-refinance-mortgage-rates/186029/ I would like to <a href="http://www.zillow.com/refinance/">refinance</a> my home ASAP. I do not have a second <a href="http://www.zillow.com/mortgage/">mortgage</a>. How do I go about researching the best rates?<br \><br \>6 replies Wed, 07 Jan 2009 22:17:00 GMT http://www.zillow.com/advice-thread/How-do-I-go-about-researching-the-best-refinance-mortgage-rates/186029/ 2009-01-07T22:17:00Z