Zillow Advice RSS: Question-Guide,Mortgage,Chandler- AZ http://www.zillow.com/advice/Chandler-AZ/mortgage/question-guide/ Zillow Advice search results | Zillow Real Estate Is there a way to get my home listed on our local MLS without doing an expensive realtor listing? http://www.zillow.com/advice-thread/Is-there-a-way-to-get-my-home-listed-on-our-local-MLS-without-doing-an-expensive-realtor-listing/513003/ 22 replies Thu, 26 Sep 2013 16:28:00 GMT http://www.zillow.com/advice-thread/Is-there-a-way-to-get-my-home-listed-on-our-local-MLS-without-doing-an-expensive-realtor-listing/513003/ 2013-09-26T16:28:00Z What can I do to get more (or better) quotes for my loan request ZR-MVGDPQH? http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-MVGDPQH/533947/ 3 replies Wed, 26 Mar 2014 22:51:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-MVGDPQH/533947/ 2014-03-26T22:51:00Z What can I do to get more (or better) quotes for my loan request ZR-BRPRCFQ? http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-BRPRCFQ/529548/ 1 reply Sat, 22 Feb 2014 21:42:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-BRPRCFQ/529548/ 2014-02-22T21:42:00Z Can I get a VA home loan in AZ with a 630 score? http://www.zillow.com/advice-thread/Can-I-get-a-VA-home-loan-in-AZ-with-a-630-score/528363/ So I know that my TransUnion score is 630, but not the other ones. I really need to get out of renting now that I got a promotion/raise. Where can I secure a VA home loan with a 590-630&nbsp;three score range (guessing since I only really know my TU score)? I am not looking for a bait and switch ("we can do down to 530" and then find out later its 640). I need to move soon so I am looking for&nbsp;good reputation, quick responses, and a fairly quick and easy process. Thanks everyone!<br/><br/>And yes, my card utilization is below 10%, no quick fix credit answers please.<br \><br \>13 replies Thu, 13 Feb 2014 19:41:00 GMT http://www.zillow.com/advice-thread/Can-I-get-a-VA-home-loan-in-AZ-with-a-630-score/528363/ 2014-02-13T19:41:00Z How can I get accounts that show "open" moved to "closed" (since they are closed) on my credireports http://www.zillow.com/advice-thread/How-can-I-get-accounts-that-show-open-moved-to-closed-since-they-are-closed-on-my-credireports/477850/ 4 replies Fri, 08 Feb 2013 20:00:00 GMT http://www.zillow.com/advice-thread/How-can-I-get-accounts-that-show-open-moved-to-closed-since-they-are-closed-on-my-credireports/477850/ 2013-02-08T20:00:00Z Should I refinance to a 30 year mortgage http://www.zillow.com/advice-thread/Should-I-refinance-to-a-30-year-mortgage/514156/ I owe $68,000 on my primary mortgage, 5 years left on a 15 year.&nbsp; But I also owe $100,000 on a home equity loan.&nbsp; Should i refinance into one 30 year loan to lower my payment?&nbsp; My zillow estimate on my house is $300,000<br \><br \>10 replies Fri, 04 Oct 2013 18:55:00 GMT http://www.zillow.com/advice-thread/Should-I-refinance-to-a-30-year-mortgage/514156/ 2013-10-04T18:55:00Z I was discharge from a bankruptcy 2 yrs and 9 mos.ago. http://www.zillow.com/advice-thread/I-was-discharge-from-a-bankruptcy-2-yrs-and-9-mos-ago/478270/ &nbsp;The loan was reaffirmed and I have not been late since 5/2009. The bankruptcy was discharge 6/2010. Would I be able to get a conventional loan if the bankruptcy was due to medical&nbsp; disability and divorce. Also I would be putting&nbsp;a down payment of 35%.<br/>Thanks<br \><br \>10 replies Tue, 12 Feb 2013 02:31:00 GMT http://www.zillow.com/advice-thread/I-was-discharge-from-a-bankruptcy-2-yrs-and-9-mos-ago/478270/ 2013-02-12T02:31:00Z Lender forcing to increase interest rate after signing a GFE and appraisal. Is this right? http://www.zillow.com/advice-thread/Lender-forcing-to-increase-interest-rate-after-signing-a-GFE-and-appraisal-Is-this-right/495820/ Our lender locked in a interest rate and we signed a GFE after the appraisal was done. They are not telling us that the appraisal classified our unit as a townhouse instead of a condo and they have to go to a different lender which will increase our interest rate. Issue is that I cannot find the property listed as a townhouse anywhere in the appraisal and I think they are doing this to get a higher interest rate out of us. What can I do to make sure the lending company stays with the interest rate promised and signed?<br \><br \>8 replies Fri, 07 Jun 2013 01:49:00 GMT http://www.zillow.com/advice-thread/Lender-forcing-to-increase-interest-rate-after-signing-a-GFE-and-appraisal-Is-this-right/495820/ 2013-06-07T01:49:00Z Can I refinance after a short sale? http://www.zillow.com/advice-thread/Can-I-refinance-after-a-short-sale/437382/ <p>I lived and owned a home in CA.&nbsp; Was relocated to AZ and bought another home here.&nbsp; Rented out the CA home for a while but then did a short sale on it approximately 1 year ago.&nbsp; I'd like to know if I can now&nbsp;refinance my AZ home, which is current?&nbsp;&nbsp;&nbsp; CA home that was short sold was conventional loan, home that I want to refi is FHA.&nbsp;&nbsp; I hear a lot about not being able to BUY for 2 years+ after a short sale but an unsure about refi.&nbsp; Thanks anyone for info.&nbsp;&nbsp; David</p><br \><br \>4 replies Sat, 31 Mar 2012 22:47:00 GMT http://www.zillow.com/advice-thread/Can-I-refinance-after-a-short-sale/437382/ 2012-03-31T22:47:00Z Refinance http://www.zillow.com/advice-thread/Refinance/490361/ We have excellent FICO score.&nbsp; Our mortgage rate is 5.5%. We owe 142,000 on our hhome, we are not underwater as far as we know. The only way to know for sure, is to p&nbsp;pay for an appraisal. We have lived in our home for 12 years.<br/>We want to refinance to lower interest rate.&nbsp; We tried with Wells Fargo - they said we would have to pay Private Mortgage Ins. We refuse to do that.&nbsp; Quicken Loans said they would be happy to refi us at 3.75%, but they were so pushy, we declined.&nbsp;&nbsp;What is a homeowner to do? It's like shark infested waters out there!<br \><br \>4 replies Wed, 01 May 2013 06:40:00 GMT http://www.zillow.com/advice-thread/Refinance/490361/ 2013-05-01T06:40:00Z Getting a loan for remote location http://www.zillow.com/advice-thread/Getting-a-loan-for-remote-location/486164/ Hello,<br/><br/>I live in tucson and want to move to the Chandler / Gilbert area.&nbsp; My question is when I get a loan should i shop around Tucson for lenders, or should the lender come from the Chandler / Gilbert area?&nbsp; I dont know if it makes any difference where I find a lender but wanted to ask.<br/><br/>thanks<br \><br \>3 replies Wed, 03 Apr 2013 21:02:00 GMT http://www.zillow.com/advice-thread/Getting-a-loan-for-remote-location/486164/ 2013-04-03T21:02:00Z I am helping my father to do a refi with WF, is a Ginnie Mae http://www.zillow.com/advice-thread/I-am-helping-my-father-to-do-a-refi-with-WF-is-a-Ginnie-Mae/485838/ The MLO said the he qualifies, he is retired and his credit is good, but he will need to ppay all the closing cost and the Appraisal due loan it is not a Freddie Mac or a FFannie Mae, would that be correct? And now the underwriter is adding a condition for my father's income due to might not be sufficient, I told my father to hold everything back, until I get some type of guidance with this, I didn't know the DTI ratio take place with Ginnie Mae loans and I also thought the my dad wouldn't need an appraisal, Please anybody help, and Thank you.<br \><br \>5 replies Mon, 01 Apr 2013 23:11:00 GMT http://www.zillow.com/advice-thread/I-am-helping-my-father-to-do-a-refi-with-WF-is-a-Ginnie-Mae/485838/ 2013-04-01T23:11:00Z AZ Refinance conventional loan with no PMI, LTV 90pct http://www.zillow.com/advice-thread/AZ-Refinance-conventional-loan-with-no-PMI-LTV-90pct/472911/ Based on a recent sale in our neighborhood for a home of similar size and features I now beleive our loan-to-value ratio is now 90 percent. We are 3 years into a 20 yr mortgage at 5.25 pct and I really want to look at refinancing to a lower rate but feel that PMI will negate our savings. Because of the dates of our 2009 refinance we do not qualify for any HARP programs and will have to stay conventional. Does anyone have any suggestions or recommendations on programs or lenders that may refi with no PMI? Our credit is very good, 767 and 780 respectively, if that makes a difference.<br \><br \>5 replies Wed, 02 Jan 2013 22:48:00 GMT http://www.zillow.com/advice-thread/AZ-Refinance-conventional-loan-with-no-PMI-LTV-90pct/472911/ 2013-01-02T22:48:00Z I am doing an FHA loan due to bankruptcy but am putting about 40% down. http://www.zillow.com/advice-thread/I-am-doing-an-FHA-loan-due-to-bankruptcy-but-am-putting-about-40-down/459268/ I am doing an FHA loan due to bankruptcy but am putting about 40% down. Will I be required to take the Mortgage insurance premium upfront and monthly payments?<br \><br \>2 replies Sun, 09 Sep 2012 18:55:00 GMT http://www.zillow.com/advice-thread/I-am-doing-an-FHA-loan-due-to-bankruptcy-but-am-putting-about-40-down/459268/ 2012-09-09T18:55:00Z Can I refinance FHA loan if I had a short sale one and half year ago. http://www.zillow.com/advice-thread/Can-I-refinance-FHA-loan-if-I-had-a-short-sale-one-and-half-year-ago/451981/ 3 replies Sat, 21 Jul 2012 07:18:00 GMT http://www.zillow.com/advice-thread/Can-I-refinance-FHA-loan-if-I-had-a-short-sale-one-and-half-year-ago/451981/ 2012-07-21T07:18:00Z Mortgage settlement http://www.zillow.com/advice-thread/Mortgage-settlement/457903/ I am currently underwater on a jumbo loan from chase. Does anyone know if Chase has started processing underwater loans under mortgage settlement? Every time I call them they say we will contact you when it is ready. They don't even say if I am qualified so I can continue making payments and wait. Any help/suggestions are appreciated.<br/><br \><br \>1 reply Thu, 30 Aug 2012 05:59:00 GMT http://www.zillow.com/advice-thread/Mortgage-settlement/457903/ 2012-08-30T05:59:00Z What can I do to get more (or better) quotes for my loan request ZR-MJCVYLC http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-MJCVYLC/440259/ I been told I cannot refinance,why if my credit is good and never have been late.is there anything&nbsp;I can do to refinance all I am asking is to lower the interest rate om my morgage loan.what can I do to make it happen without hurting my credit. [email address removed by Zillow.&nbsp; Please refer to our <a href="http://www.zillow.com/howto/GoodNeighborPolicy.htm">Good Neighbor Policy</a> for details.]<br \><br \>1 reply Wed, 25 Apr 2012 04:43:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-MJCVYLC/440259/ 2012-04-25T04:43:00Z What can I do to get more (or better) quotes for my loan request ZR-KYHXDPQ http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-KYHXDPQ/438314/ 3 replies Sun, 08 Apr 2012 17:39:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-KYHXDPQ/438314/ 2012-04-08T17:39:00Z in today maket buying a house what is the better choice, 30 year fixecd or 15 year fixed,and why? http://www.zillow.com/advice-thread/in-today-maket-buying-a-house-what-is-the-better-choice-30-year-fixecd-or-15-year-fixed-and-why/389104/ 14 replies Thu, 03 Mar 2011 01:01:00 GMT http://www.zillow.com/advice-thread/in-today-maket-buying-a-house-what-is-the-better-choice-30-year-fixecd-or-15-year-fixed-and-why/389104/ 2011-03-03T01:01:00Z I have an offer to buy my property at market value What are my options? http://www.zillow.com/advice-thread/I-have-an-offer-to-buy-my-property-at-market-value-What-are-my-options/424219/ I owe 165000.00 &nbsp;I have been offered fair market value 135000.00 &nbsp;What options do I have?<br \><br \>8 replies Tue, 29 Nov 2011 02:34:00 GMT http://www.zillow.com/advice-thread/I-have-an-offer-to-buy-my-property-at-market-value-What-are-my-options/424219/ 2011-11-29T02:34:00Z