Zillow Advice RSS: Question-Discussion-Guide,Mortgage,Allentown- PA http://www.zillow.com/advice/Allentown-PA/mortgage/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate How do i know what my real credit score is? http://www.zillow.com/advice-thread/How-do-i-know-what-my-real-credit-score-is/536522/ If i check credit karma i get a result of 554, but if i check my reports from from experian and such it is between 604 - 624. I am confused. My fiance and i have been through messy divorces and has sapped our credit score, but after renting for 6 years, we are beginning to get tired of getting nothing in return. Any help would be appreciated, thanks!<br \><br \>8 replies Tue, 15 Apr 2014 15:12:00 GMT http://www.zillow.com/advice-thread/How-do-i-know-what-my-real-credit-score-is/536522/ 2014-04-15T15:12:00Z Can I get an advance on child support payments to help with my closing cost? http://www.zillow.com/advice-thread/Can-I-get-an-advance-on-child-support-payments-to-help-with-my-closing-cost/525689/ In the process of buying a home but the underwriter is giving a hard time about receiving a gift for my closing cost money due to lack of a paper trail. Do I was wondering, since they already have child support listed as part of my income, is it possible to receive an advancement on child support payments to cover my closing cost differential?<br \><br \>12 replies Fri, 24 Jan 2014 15:20:00 GMT http://www.zillow.com/advice-thread/Can-I-get-an-advance-on-child-support-payments-to-help-with-my-closing-cost/525689/ 2014-01-24T15:20:00Z Looking for a lender that does non-recourse loans http://www.zillow.com/advice-thread/Looking-for-a-lender-that-does-non-recourse-loans/490839/ 4 replies Sat, 04 May 2013 20:56:00 GMT http://www.zillow.com/advice-thread/Looking-for-a-lender-that-does-non-recourse-loans/490839/ 2013-05-04T20:56:00Z Mortgage on H1B Visa http://www.zillow.com/advice-thread/Mortgage-on-H1B-Visa/494021/ <p class="MsoNormal">Hi,</p><p class="MsoNormal">I am currently on H1b visa that is expiring in October 2013. I have an approved I140. My company told me that H1b will be renewed over the summer. With this information, I had approached Chase bank for pre-qualification. They pre-qualified me for a home loan, but while doing it they did not ask me much about my visa status. I liked a builder in PA and signed the contract. <strong>Will my visa expiry in October 2013, prevent me from getting the loan</strong>, although the renewed 3 year H1b will be available in late October. I have otherwise good credit history high 750, with 20% down payment.</p><p class="MsoNormal">Your suggestions will be much appreciated.</p><p class="MsoNormal">Thanks</p><br \><br \>3 replies Mon, 27 May 2013 12:24:00 GMT http://www.zillow.com/advice-thread/Mortgage-on-H1B-Visa/494021/ 2013-05-27T12:24:00Z I have an FHA loan for my mortgage, how long do I have to wait until we can move? We've been in the http://www.zillow.com/advice-thread/I-have-an-FHA-loan-for-my-mortgage-how-long-do-I-have-to-wait-until-we-can-move-We%27ve-been-in-the/492239/ 8 replies Tue, 14 May 2013 14:06:00 GMT http://www.zillow.com/advice-thread/I-have-an-FHA-loan-for-my-mortgage-how-long-do-I-have-to-wait-until-we-can-move-We%27ve-been-in-the/492239/ 2013-05-14T14:06:00Z i have a score of 600. im disabled on social security. looking for someone to help me get a loan for http://www.zillow.com/advice-thread/i-have-a-score-of-600-im-disabled-on-social-security-looking-for-someone-to-help-me-get-a-loan-for/484752/ 3 replies Tue, 26 Mar 2013 00:30:00 GMT http://www.zillow.com/advice-thread/i-have-a-score-of-600-im-disabled-on-social-security-looking-for-someone-to-help-me-get-a-loan-for/484752/ 2013-03-26T00:30:00Z Can I refinance my modified mortgage? http://www.zillow.com/advice-thread/Can-I-refinance-my-modified-mortgage/483861/ I modified my mortgage in 2010, was making late payments because I could not pay on time. I lost my job my husband had a major accident in 2010. Finally they modified my loan from 8.6% to 5.6% now the rates are increasing and I am up to 6.6% and I got notification that my rate will go up to 7.6%. If this keeps going it seems my rate will go up to what it originally started with. How can I refinance my mortgage. Right now because of my ltv being high I might only qualified for an fha loan and I don't know if they will allow for me to refinance my loan with that program. Please advise.<br \><br \>2 replies Wed, 20 Mar 2013 17:29:00 GMT http://www.zillow.com/advice-thread/Can-I-refinance-my-modified-mortgage/483861/ 2013-03-20T17:29:00Z rate reduction for free....the Harp program. has anybody heard of this?? http://www.zillow.com/advice-thread/rate-reduction-for-free-the-Harp-program-has-anybody-heard-of-this/441043/ I heard this from my bank.<br \><br \>5 replies Tue, 01 May 2012 13:24:00 GMT http://www.zillow.com/advice-thread/rate-reduction-for-free-the-Harp-program-has-anybody-heard-of-this/441043/ 2012-05-01T13:24:00Z I edited my home we have 10 rooms and your system will not accept it http://www.zillow.com/advice-thread/I-edited-my-home-we-have-10-rooms-and-your-system-will-not-accept-it/427936/ 1 reply Sat, 07 Jan 2012 12:12:00 GMT http://www.zillow.com/advice-thread/I-edited-my-home-we-have-10-rooms-and-your-system-will-not-accept-it/427936/ 2012-01-07T12:12:00Z What can I do to get more (or better) quotes for my loan request ZR-TCKDNHJ http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-TCKDNHJ/394538/ 2 replies Mon, 11 Apr 2011 15:33:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-TCKDNHJ/394538/ 2011-04-11T15:33:00Z What can I do to get more (or better) quotes for my loan request ZR-HFCHVGT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-HFCHVGT/392610/ My credit score currently is 611. I have just paid a 1 year old collections off and had another removed from my credit. If I pay off a personal loan in full, do you think my credit score will be above a 620 to get a mortage?<br \><br \>1 reply Mon, 28 Mar 2011 13:36:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-HFCHVGT/392610/ 2011-03-28T13:36:00Z Do all potential lenders require 3 full years of future alimony if it is 2/3 of my current income? http://www.zillow.com/advice-thread/Do-all-potential-lenders-require-3-full-years-of-future-alimony-if-it-is-2-3-of-my-current-income/301424/ I have excellent credit but a high unsecured debt that is eating up my income.<br/>I intend to return to a full time nursing position (3 days/week now) in the near future, but would like to <a href="http://www.zillow.com/refinance/">refinance</a> to remove the 50,000 cc debt and 70,000 <a href="http://www.zillow.com/home-equity-loan/">home equity</a> debt as well as be able to save money each month.&nbsp; <br/>I have been receiving over 15 years of alimony that ends in June 2012.&nbsp; Because the alimony is now under 3 years, <a href="http://www.zillow.com/refinance/">refinancing</a> is challenging.&nbsp; Are there any lenders that look at the whole picture?&nbsp;&nbsp; My home appraisal was 365,000&nbsp; and I owe 144,000 on my 1st.&nbsp; Thank you<br \><br \>3 replies Wed, 25 Nov 2009 05:20:00 GMT http://www.zillow.com/advice-thread/Do-all-potential-lenders-require-3-full-years-of-future-alimony-if-it-is-2-3-of-my-current-income/301424/ 2009-11-25T05:20:00Z Refiancing Advise On A Remaining 9 Years http://www.zillow.com/advice-thread/Refiancing-Advise-On-A-Remaining-9-Years/301259/ Hi! I am requesting some advice on the following situation:<br/><br/>I have a <a href="http://www.zillow.com/15_Year_Fixed_Mortgage_Rates/">15 year mortgage</a> on $132000 started in Jan 2004 with 5.00% interest and 5.125% APR. By this coming Jan&nbsp; 2010, I would have complete 6 years of the mortgage with a remain 90,500 (apprx) principal remaining. I would like to reduce my interest so I can have a lower monthly payment at no or very little cost. Please let me know if you have any advice for me on how to accomplish that with either using an ARM or fixed rate if possible. Any questions, pls let me know. Thank you<br \><br \>9 replies Tue, 24 Nov 2009 17:31:00 GMT http://www.zillow.com/advice-thread/Refiancing-Advise-On-A-Remaining-9-Years/301259/ 2009-11-24T17:31:00Z