Zillow Advice RSS: Question-Discussion-Guide,Mortgage,Town of Poughkeepsie- NY http://www.zillow.com/advice/Town-of-Poughkeepsie-NY/mortgage/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate I'm wondering if anybody offers no docs loans anymore. http://www.zillow.com/advice-thread/I%27m-wondering-if-anybody-offers-no-docs-loans-anymore/440569/ I have excellent credit. I'm looking to buy a 1 or 2 bedroom condo or small house and would need a mortgage in the range of $60k to $90k. I will probably be putting 20% down.<br/>I'm also wondering what the rate would be?<br \><br \>14 replies Fri, 27 Apr 2012 02:28:00 GMT http://www.zillow.com/advice-thread/I%27m-wondering-if-anybody-offers-no-docs-loans-anymore/440569/ 2012-04-27T02:28:00Z I'm wondering if anybody offers no docs loans anymore. http://www.zillow.com/advice-thread/I%27m-wondering-if-anybody-offers-no-docs-loans-anymore/440569/ I have excellent credit. I'm looking to buy a 1 or 2 bedroom condo or small house and would need a mortgage in the range of $60k to $90k. I will probably be putting 20% down.<br/>I'm also wondering what the rate would be?<br \><br \>14 replies Fri, 27 Apr 2012 02:28:00 GMT http://www.zillow.com/advice-thread/I%27m-wondering-if-anybody-offers-no-docs-loans-anymore/440569/ 2012-04-27T02:28:00Z Can you still roll closing costs into your mortgage (NY) http://www.zillow.com/advice-thread/Can-you-still-roll-closing-costs-into-your-mortgage-NY/474058/ Here's the scenario:<br/><br/>I have about 20-k in the bank. &nbsp;I am looking to buy a house for about 200k. &nbsp;Let's just say I put 10-k (5%) down on the house. &nbsp;Closing costs in my area are probably right around 8 grand. &nbsp;So, technically would that mean my down payment would only be 2-k (which obviously would only be 1% and not enough to cover the 3.5% min down-payment)? &nbsp;<br/><br/>Or, can you roll the closing costs into the total cost of the home to make the total purchase price 208k, and the 10k down payment would be considered 4.8% of the total loan?&nbsp;<br \><br \>9 replies Fri, 11 Jan 2013 22:00:00 GMT http://www.zillow.com/advice-thread/Can-you-still-roll-closing-costs-into-your-mortgage-NY/474058/ 2013-01-11T22:00:00Z Anyone know anything about using self-directed IRA to buy foreclosures? http://www.zillow.com/advice-thread/Anyone-know-anything-about-using-self-directed-IRA-to-buy-foreclosures/205550/ 2 replies Mon, 02 Mar 2009 13:38:00 GMT http://www.zillow.com/advice-thread/Anyone-know-anything-about-using-self-directed-IRA-to-buy-foreclosures/205550/ 2009-03-02T13:38:00Z We have an ARM 289K, 5.2% til 2012, house worth 400-425K. Need cash. Better to refi or home equity? http://www.zillow.com/advice-thread/We-have-an-ARM-289K-5-2-til-2012-house-worth-400-425K-Need-cash-Better-to-refi-or-home-equity/205547/ <br/><br \><br \>1 reply Mon, 02 Mar 2009 13:35:00 GMT http://www.zillow.com/advice-thread/We-have-an-ARM-289K-5-2-til-2012-house-worth-400-425K-Need-cash-Better-to-refi-or-home-equity/205547/ 2009-03-02T13:35:00Z How is the downpayment amount calculated? http://www.zillow.com/advice-thread/How-is-the-downpayment-amount-calculated/200230/ If our <a href="http://www.zillow.com/directory/lenders/">lender</a> requires 3.5% (FHA) down, and we need a 6% seller concession to cover closing costs...how is the down payment amount figured?<br/><br/>Example:&nbsp; $160,000 is what we want to offer.&nbsp; We need a 6% concession, bringing the actual offer up to 1$69,600 (with a net-sale of $160,000.)&nbsp; We need a 3.5% down payment, but is that 3.5% taken from the net-sale amount ($160,000) or the offer with the concession ($169,600)<br \><br \>9 replies Tue, 17 Feb 2009 07:57:00 GMT http://www.zillow.com/advice-thread/How-is-the-downpayment-amount-calculated/200230/ 2009-02-17T07:57:00Z Need to refinance to lower rate and cash out, low doc loan? http://www.zillow.com/advice-thread/Need-to-refinance-to-lower-rate-and-cash-out-low-doc-loan/189362/ 3 replies Sat, 17 Jan 2009 16:58:00 GMT http://www.zillow.com/advice-thread/Need-to-refinance-to-lower-rate-and-cash-out-low-doc-loan/189362/ 2009-01-17T16:58:00Z Are 30 yr fixed mortgage rates the same as the rate to refinance the same? http://www.zillow.com/advice-thread/Are-30-yr-fixed-mortgage-rates-the-same-as-the-rate-to-refinance-the-same/189340/ 3 replies Sat, 17 Jan 2009 14:35:00 GMT http://www.zillow.com/advice-thread/Are-30-yr-fixed-mortgage-rates-the-same-as-the-rate-to-refinance-the-same/189340/ 2009-01-17T14:35:00Z