Zillow Advice RSS: Question-Discussion-Guide,Mortgage,Pacifica- CA http://www.zillow.com/advice/Pacifica-CA/mortgage/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate how do I use my Calpers retirement money as a down payment and avoid taxes? http://www.zillow.com/advice-thread/how-do-I-use-my-Calpers-retirement-money-as-a-down-payment-and-avoid-taxes/512073/ 4 replies Fri, 20 Sep 2013 00:32:00 GMT http://www.zillow.com/advice-thread/how-do-I-use-my-Calpers-retirement-money-as-a-down-payment-and-avoid-taxes/512073/ 2013-09-20T00:32:00Z I paid off my home.I have excellent credit. What type of loan makes most sense for home improvemnts? http://www.zillow.com/advice-thread/I-paid-off-my-home-I-have-excellent-credit-What-type-of-loan-makes-most-sense-for-home-improvemnts/490258/ I have savings but, I don't know if it makes more sense to use my savings or secure a loan. As stated I have excellent credit but, I have limited income. My local bank does not do HELOC'S on paid off mortgages. Any informative suggestion would be much appreciated. Also, any suggestions on lenders would also be appreciated.<br \><br \>6 replies Tue, 30 Apr 2013 19:41:00 GMT http://www.zillow.com/advice-thread/I-paid-off-my-home-I-have-excellent-credit-What-type-of-loan-makes-most-sense-for-home-improvemnts/490258/ 2013-04-30T19:41:00Z Should I switch lender for my refinance if I find a better rate/closing costs than my lock? http://www.zillow.com/advice-thread/Should-I-switch-lender-for-my-refinance-if-I-find-a-better-rate-closing-costs-than-my-lock/458061/ It's been 2 months since my lock. The lender's been dragging their feet. My appraisal came back much higher than the amount being asked for refinance. I get no update from the the current lender, but meanwhile I find another lender with better rate and closing costs. Am I allowed to cancel the current refinance process and switch to another lender? Will my appraisal be transferrable to the new refinance process so that I don't lose the money I spent on it?<br \><br \>4 replies Fri, 31 Aug 2012 08:33:00 GMT http://www.zillow.com/advice-thread/Should-I-switch-lender-for-my-refinance-if-I-find-a-better-rate-closing-costs-than-my-lock/458061/ 2012-08-31T08:33:00Z How can I find out if I qualify for HAMP 2? http://www.zillow.com/advice-thread/How-can-I-find-out-if-I-qualify-for-HAMP-2/423786/ 20 replies Wed, 23 Nov 2011 05:24:00 GMT http://www.zillow.com/advice-thread/How-can-I-find-out-if-I-qualify-for-HAMP-2/423786/ 2011-11-23T05:24:00Z financial problems http://www.zillow.com/advice-thread/financial-problems/288731/ devourced&nbsp; then forclosed on my house it went to oction gmac got all the $ owed.&nbsp; citibank Line of credit was never paid $95,00 I owe 20,000 credit cards 25,000 child support.Never filed for <a href="http://www.zillow.com/mortgage-glossary/Bankruptcy/">bankruptcy</a> i have been in highding. A process server left court pappers at my girlfriends house on the floor at the front door.child support takes half my paycheck.Will citi bank take the rest? If i dont go to court will i loose by default? Will this debt eventually go to my children? Can they get to my pension ? This was a line of credit on my house and i guess there isnt a lein on the property?In a nutshell what would u do if u were in this mess ?<br \><br \>3 replies Thu, 15 Oct 2009 23:39:00 GMT http://www.zillow.com/advice-thread/financial-problems/288731/ 2009-10-15T23:39:00Z We lost one half of our income last year. Can you refer us to a reputable local loan mod company ? http://www.zillow.com/advice-thread/We-lost-one-half-of-our-income-last-year-Can-you-refer-us-to-a-reputable-local-loan-mod-company/206086/ <p>We need help to be able to afford to keep our home.&nbsp; Our <a href="http://www.zillow.com/directory/lenders/">lender</a> is not willing to modify our current 30 yr fixed <a href="http://www.zillow.com/mortgage/">loan</a> of 5.25%.&nbsp; Can you refer us to a reputable&nbsp;local company ?&nbsp;</p><br \><br \>29 replies Tue, 03 Mar 2009 19:31:00 GMT http://www.zillow.com/advice-thread/We-lost-one-half-of-our-income-last-year-Can-you-refer-us-to-a-reputable-local-loan-mod-company/206086/ 2009-03-03T19:31:00Z Where do I find property tax percentages by county in California? http://www.zillow.com/advice-thread/Where-do-I-find-property-tax-percentages-by-county-in-California/204738/ Where do I find property tax percentages by county in California?<br \><br \>2 replies Fri, 27 Feb 2009 21:27:00 GMT http://www.zillow.com/advice-thread/Where-do-I-find-property-tax-percentages-by-county-in-California/204738/ 2009-02-27T21:27:00Z