Zillow Advice RSS: Question-Discussion-Guide,Mortgage,SC http://www.zillow.com/advice/SC/mortgage/question-discussion-guide/mortgage/?s=0 Zillow Advice search results | Zillow Real Estate Can I refinance my mortgage while in litigation (being sued) by an individual? http://www.zillow.com/advice-thread/Can-I-refinance-my-mortgage-while-in-litigation-being-sued-by-an-individual/419003/ 4 replies Wed, 12 Oct 2011 17:17:00 GMT http://www.zillow.com/advice-thread/Can-I-refinance-my-mortgage-while-in-litigation-being-sued-by-an-individual/419003/ 2011-10-12T17:17:00Z Is it Possible to get a VA loan with poor credit Greenville, SC? http://www.zillow.com/advice-thread/Is-it-Possible-to-get-a-VA-loan-with-poor-credit-Greenville-SC/536546/ Although I am not a loan officer, I have had clients in the past that stayed with one mortgage company <br/>from the beginning of their prequalification process and worked with them for a period of time until they eventually qualified for a loan.<br \><br \>0 replies Tue, 15 Apr 2014 18:14:00 GMT http://www.zillow.com/advice-thread/Is-it-Possible-to-get-a-VA-loan-with-poor-credit-Greenville-SC/536546/ 2014-04-15T18:14:00Z Advice on how to get an extra $20-30,000 http://www.zillow.com/advice-thread/Advice-on-how-to-get-an-extra-20-30-000/363425/ Have you inquired to a home equity loan on your current property with no mortgage?&nbsp; If its worth $60k you should be able to get 1/2 out of it....<br/><br/>Option 2 find a different lender that will take your credit.&nbsp; All loans are written by banks.&nbsp; No 2 banks are exactly the same.&nbsp; VA loans are no different, but are just backed by VA.<br \><br \>0 replies Tue, 24 Aug 2010 00:16:00 GMT http://www.zillow.com/advice-thread/Advice-on-how-to-get-an-extra-20-30-000/363425/ 2010-08-24T00:16:00Z singlewide w/land mortgage in s.c. http://www.zillow.com/advice-thread/singlewide-w-land-mortgage-in-s-c/423642/ 1 reply Mon, 21 Nov 2011 22:00:00 GMT http://www.zillow.com/advice-thread/singlewide-w-land-mortgage-in-s-c/423642/ 2011-11-21T22:00:00Z Is it required as a home owner to continue to hold Mortgage Insurance? http://www.zillow.com/advice-thread/Is-it-required-as-a-home-owner-to-continue-to-hold-Mortgage-Insurance/181621/ <p>We bought our home in February of 2008.&nbsp; As part of our <a href="http://www.zillow.com/mortgage/">loan</a> stipulation we were required to purchase mortagage insurance.&nbsp; How long does it require for us to continue to purchase this insurance if we have been on time for our <a href="http://www.zillow.com/mortgage/">mortgage</a> payments?</p><br \><br \>4 replies Sat, 27 Dec 2008 15:15:00 GMT http://www.zillow.com/advice-thread/Is-it-required-as-a-home-owner-to-continue-to-hold-Mortgage-Insurance/181621/ 2008-12-27T15:15:00Z refinancing http://www.zillow.com/advice-thread/refinancing/475947/ Adina-<br/><br/>&nbsp; That was a great deal. Rates have increased since your post. Hopefully you have locked in and your future mortgage is being processed.<br \><br \>0 replies Wed, 06 Feb 2013 04:19:00 GMT http://www.zillow.com/advice-thread/refinancing/475947/ 2013-02-06T04:19:00Z Refinance now or at the same time we buy our second home in the next 3-6 months? http://www.zillow.com/advice-thread/Refinance-now-or-at-the-same-time-we-buy-our-second-home-in-the-next-3-6-months/491003/ Thanks for your replies. We do have a FHA mortgage and already looked into the Streamline refinance but it was not a good option. We were told since we purchased in 2010, then it would end up costing us more PMI. Does an investment streamline refinance hold the same guidelines?<br \><br \>0 replies Tue, 07 May 2013 19:06:00 GMT http://www.zillow.com/advice-thread/Refinance-now-or-at-the-same-time-we-buy-our-second-home-in-the-next-3-6-months/491003/ 2013-05-07T19:06:00Z How can we qualify for a second mortgage? http://www.zillow.com/advice-thread/How-can-we-qualify-for-a-second-mortgage/396628/ My husband and I own a condo property that is currently in litigation making it impossible to sell. Our family has grown and we desperately want to purchase a house in the $200,000 price range. What can we do to improve our chances of qualifying for this type of loan as a second mortgage? Our credit scores are around 700-720.<br \><br \>1 reply Tue, 26 Apr 2011 19:08:00 GMT http://www.zillow.com/advice-thread/How-can-we-qualify-for-a-second-mortgage/396628/ 2011-04-26T19:08:00Z what kind of mortgage loan can I qualify for with a 585 credit score? http://www.zillow.com/advice-thread/what-kind-of-mortgage-loan-can-I-qualify-for-with-a-585-credit-score/524395/ I have a 585 credit score and only debt is a student loan for 6k. I never had any credit cards, repo, or etc. I have only 2 accounts that went in delinquency, is there any programs or loans I should apply for? Open to all advice and the 2 accounts in delinquency are 5 or 6 years old.<br \><br \>9 replies Tue, 14 Jan 2014 04:46:00 GMT http://www.zillow.com/advice-thread/what-kind-of-mortgage-loan-can-I-qualify-for-with-a-585-credit-score/524395/ 2014-01-14T04:46:00Z Can you get an FHA loan as a second mortgage? http://www.zillow.com/advice-thread/Can-you-get-an-FHA-loan-as-a-second-mortgage/396630/ 7 replies Tue, 26 Apr 2011 19:14:00 GMT http://www.zillow.com/advice-thread/Can-you-get-an-FHA-loan-as-a-second-mortgage/396630/ 2011-04-26T19:14:00Z I want to purchase a townhome where community's HOA & builder is in a lawsuit. Can I obtain a mtg? http://www.zillow.com/advice-thread/I-want-to-purchase-a-townhome-where-community%27s-HOA-builder-is-in-a-lawsuit-Can-I-obtain-a-mtg/505676/ If you are seeking a mortgage that has Fannie mae and Freddie Mac as the investor the answer is no. When they do the HOA questionaire, on of the questions is if there are pending or current lawsuits. <br/><br/>Now, there is one loop whole. If the HOA attorney can prove that the lawsuit will be closing soon and details such as that, you may be able to proceed but 9 out 10 times it will end up being declined. <br/><br/>Sorry and good luck!<br \><br \>0 replies Wed, 07 Aug 2013 16:08:00 GMT http://www.zillow.com/advice-thread/I-want-to-purchase-a-townhome-where-community%27s-HOA-builder-is-in-a-lawsuit-Can-I-obtain-a-mtg/505676/ 2013-08-07T16:08:00Z Curious if I'll qualify? http://www.zillow.com/advice-thread/Curious-if-I%27ll-qualify/304187/ Mark is correct.&nbsp; Contact a local lender/bank/mortgage company and have them run your numbers.&nbsp; Looking at your numbers/credit score, etc. you look good, but the <a href="http://www.zillow.com/directory/lenders/">lender</a> can tell you all the specifics based on <a href="http://www.zillow.com/mortgage/">loan</a> to debt ratio, etc.<br \><br \>0 replies Sat, 05 Dec 2009 17:01:00 GMT http://www.zillow.com/advice-thread/Curious-if-I%27ll-qualify/304187/ 2009-12-05T17:01:00Z Is there any kind of mortgage..... http://www.zillow.com/advice-thread/Is-there-any-kind-of-mortgage/359194/ that you can get to finance the purchase of a typical stick built home that also has a manufactured home on the same property?&nbsp; I am attempting to find financing to purchase my grandparents' farm.&nbsp; The problem I'm having so far is finding a 30yr fixed on the property because my great grandparents' manufactured home is on the same land.&nbsp; My bank said the only thing they could offer was a 7 year commercial loan.&nbsp; Any ideas?&nbsp;<br \><br \>3 replies Fri, 23 Jul 2010 18:42:00 GMT http://www.zillow.com/advice-thread/Is-there-any-kind-of-mortgage/359194/ 2010-07-23T18:42:00Z What can I do to get more (or better) quotes for my loan request ZR-QMZJCQV http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-QMZJCQV/436202/ Hello Just curious for now.<br/><br/>Thank you for posting and using Zillow Mortgage Marketplace to shop for loan quotes.&nbsp; I looked at the <a href="http://www.zillow.com/mortgage/LoanRequestAndQuotes.htm?request=ZR-QMZJCQV">loan request</a> you submitted and it looks like you got 31 quotes.&nbsp; As far as fees goes, it looks like lenders fees are around $500-$1000 depending on the lender.&nbsp; Keep in mind these quotes don't include third party fees.&nbsp; Were you looking for a no fee option? If so click the filter arrow on the upper right hand side. (see screen shot below)<br/><br/><img src="http://photos3.zillow.com/is/image/i0/i12/i2315/IS-4vij8h6r9z6l.jpg?op_sharpen=1&amp;qlt=90&amp;size=250,300" imageid="X1-IA-4vij8h6pver3_kk9ks" uploadtype="new" imagetype="8"/><br/><br/><br/><br/>If you are looking for better quotes I would recommend looking at our <a href="http://www.zillow.com/directory/mortgage-lenders/">professional directory</a> for a lender.&nbsp; Or reaching out to your bank or credit union.&nbsp; <br/><br/>Thanks,<br/>Candace<br/>Zillow Customer Support<br \><br \>0 replies Thu, 22 Mar 2012 19:44:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-QMZJCQV/436202/ 2012-03-22T19:44:00Z Would my spouse be considered a first time home buyer? http://www.zillow.com/advice-thread/Would-my-spouse-be-considered-a-first-time-home-buyer/491208/ I purchased our current home before we were married and never added him to the mortgage. We have lived in our residence for a little over three years.<br \><br \>8 replies Tue, 07 May 2013 19:12:00 GMT http://www.zillow.com/advice-thread/Would-my-spouse-be-considered-a-first-time-home-buyer/491208/ 2013-05-07T19:12:00Z How much mortgage can I afford? http://www.zillow.com/advice-thread/How-much-mortgage-can-I-afford/518809/ 3 replies Wed, 13 Nov 2013 00:28:00 GMT http://www.zillow.com/advice-thread/How-much-mortgage-can-I-afford/518809/ 2013-11-13T00:28:00Z How long do you have to have a job before you can refi your house? http://www.zillow.com/advice-thread/How-long-do-you-have-to-have-a-job-before-you-can-refi-your-house/492175/ We have programs that you can receive a mortgage 30 days after employed with 30 days of paystubs. Contact me through my profile if you would like a pre-approval.<br \><br \>0 replies Tue, 14 May 2013 03:29:00 GMT http://www.zillow.com/advice-thread/How-long-do-you-have-to-have-a-job-before-you-can-refi-your-house/492175/ 2013-05-14T03:29:00Z Cash Out Refi ?? http://www.zillow.com/advice-thread/Cash-Out-Refi/298790/ How long were you out of work? When was your last appraisal? And have you been late on your <a href="http://www.zillow.com/mortgage/">mortgage</a> payment in the last 12 months? &nbsp;A letter of explanation will be fine for the gap of employment. So you should be fine!<br/><br/>&nbsp;<br \><br \>0 replies Tue, 17 Nov 2009 15:56:00 GMT http://www.zillow.com/advice-thread/Cash-Out-Refi/298790/ 2009-11-17T15:56:00Z i need to borrow 16000 interest only http://www.zillow.com/advice-thread/i-need-to-borrow-16000-interest-only/322144/ You're going to need to give some more details. What do you need cash for? Do you need a second mortgage? Are you trying to buy a house?<br \><br \>0 replies Sat, 06 Feb 2010 16:42:00 GMT http://www.zillow.com/advice-thread/i-need-to-borrow-16000-interest-only/322144/ 2010-02-06T16:42:00Z How can I get a quick and painless refinance without all the hassle and apprasial? http://www.zillow.com/advice-thread/How-can-I-get-a-quick-and-painless-refinance-without-all-the-hassle-and-apprasial/491600/ I am not a mortgage pro, so please verify this information with a lender. But, I like to play with numbers...<br/><br/>Note: Principal and interest (P/I) on 126K @ 5.85% over 360 months works out to $743/month, so I am assuming that the $920 includes escrows.<br/><br/>Using your original numbers (30yr, 5.85%, 89K balance after 10'ish years), and averaging $350 extra principal per month, your loan will be paid off in about 11 years. During that time, you will pay about $145K towards P/I.<br/><br/>If you refi the $89K over 30yrs @ 3.5%, the potential diff in P/I is $343/month. With the $350/month for the prior calc, that's $693/month that you can play with.<br/><br/>Talk to a mortgage lender who is willing to sit down and run some numbers for you. I have a feeling you can do very well...and still have extra monthly cashflow that you can either apply to the mortgage, save, or whatever.<br \><br \>0 replies Fri, 10 May 2013 04:20:00 GMT http://www.zillow.com/advice-thread/How-can-I-get-a-quick-and-painless-refinance-without-all-the-hassle-and-apprasial/491600/ 2013-05-10T04:20:00Z