Zillow Advice RSS: Question-Discussion-Guide,Mortgage,PA http://www.zillow.com/advice/PA/mortgage/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Can you get a mortgage for under $50,000? http://www.zillow.com/advice-thread/Can-you-get-a-mortgage-for-under-50-000/367757/ 15 replies Sun, 26 Sep 2010 00:58:00 GMT http://www.zillow.com/advice-thread/Can-you-get-a-mortgage-for-under-50-000/367757/ 2010-09-26T00:58:00Z 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 What is the best way to incorporate rehab costs into a mortgage for an investment property? http://www.zillow.com/advice-thread/What-is-the-best-way-to-incorporate-rehab-costs-into-a-mortgage-for-an-investment-property/536438/ Hello,&nbsp;<br/><br/>I am planning on purchasing an investment property for $115,000, putting $35k into it for repairs and either flipping it or renting out. I would be all in at $150k and could have a positive cash flow if rented out. Is there a way I could incorporate the $35k repair costs into the mortgage rather than using my own cash. If I was able to do so, I could use my cash for another investment property.&nbsp;<br/><br/>I thought about fronting the repair costs then refinancing for the total amount spent to get my money back, then rent out. I was told you can only refinance after 1 year&nbsp;which I didn't want to wait that long. I've also heard about 203K loans, but it seems like a lot of work getting contractors approved, estimates, etc...&nbsp;<br/><br/>Anyone have any advice on what to do?<br/><br/>Thanks!<br \><br \>8 replies Mon, 14 Apr 2014 22:41:00 GMT http://www.zillow.com/advice-thread/What-is-the-best-way-to-incorporate-rehab-costs-into-a-mortgage-for-an-investment-property/536438/ 2014-04-14T22:41:00Z Are there any lenders willing to help small business owners with refinancing????? http://www.zillow.com/advice-thread/Are-there-any-lenders-willing-to-help-small-business-owners-with-refinancing/536544/ My husband and I have applied and have been turned down for refinancing loans 3 times now. We are small business owners, have decent credit but our DTI is over the limit due to the fact that we claim everything. We are currently paying an almost $1200 a month mortgage at a rate of 7.899%, never have missed a payment, no foreclosures or bankruptcies. Our income based on our bank statements averages $9500 a month, since October we have grossed over $54,000 yet we are unable to refinance! Are there any lenders out there who are willing to work with small business owners such as ourselves????<br \><br \>4 replies Tue, 15 Apr 2014 16:45:00 GMT http://www.zillow.com/advice-thread/Are-there-any-lenders-willing-to-help-small-business-owners-with-refinancing/536544/ 2014-04-15T16:45:00Z Anyone know of a bank or credit union doing 95% CLTV HELOC in PA? http://www.zillow.com/advice-thread/Anyone-know-of-a-bank-or-credit-union-doing-95-CLTV-HELOC-in-PA/522573/ 3 replies Fri, 27 Dec 2013 21:26:00 GMT http://www.zillow.com/advice-thread/Anyone-know-of-a-bank-or-credit-union-doing-95-CLTV-HELOC-in-PA/522573/ 2013-12-27T21:26:00Z What is the best way to refinance an investment property after a renovation? http://www.zillow.com/advice-thread/What-is-the-best-way-to-refinance-an-investment-property-after-a-renovation/534671/ 3 replies Tue, 01 Apr 2014 15:06:00 GMT http://www.zillow.com/advice-thread/What-is-the-best-way-to-refinance-an-investment-property-after-a-renovation/534671/ 2014-04-01T15:06:00Z I am looking for a home equity loan , I own the home out right $300k plus , http://www.zillow.com/advice-thread/I-am-looking-for-a-home-equity-loan-I-own-the-home-out-right-300k-plus/520986/ challenges : poor credit history 500's , another property that my ex lives in &nbsp;is in foreclosure. &nbsp;I am self employed looking for no doc loan&nbsp;<br/>also can I add some one I trust &nbsp;on my property and have them take out a loan no doc. and &nbsp;income verification ? last &nbsp;is there a minimum time they would need to be on the title?<br/>Thank you&nbsp;<br \><br \>7 replies Fri, 06 Dec 2013 19:25:00 GMT http://www.zillow.com/advice-thread/I-am-looking-for-a-home-equity-loan-I-own-the-home-out-right-300k-plus/520986/ 2013-12-06T19:25:00Z I have a credit score of 630 can i get a construction loan http://www.zillow.com/advice-thread/I-have-a-credit-score-of-630-can-i-get-a-construction-loan/533579/ I have my own property I would like to get a construction loan to put in a well septic and a sectional home. my credit score is 630 would I be able&nbsp;to get approved? are there any lenders who will finance me?<br \><br \>8 replies Mon, 24 Mar 2014 17:01:00 GMT http://www.zillow.com/advice-thread/I-have-a-credit-score-of-630-can-i-get-a-construction-loan/533579/ 2014-03-24T17:01:00Z For PA, what is the current lowest credit score for FHA loans? http://www.zillow.com/advice-thread/For-PA-what-is-the-current-lowest-credit-score-for-FHA-loans/451341/ Have been working to rebuild my credit and my score keeps going up. &nbsp;I'm in the 570-580 range right now and would like to buy a house. &nbsp;Are there currently any FHA lenders in PA that will give with a credit score in that range? &nbsp;Thanks<br \><br \>5 replies Tue, 17 Jul 2012 13:14:00 GMT http://www.zillow.com/advice-thread/For-PA-what-is-the-current-lowest-credit-score-for-FHA-loans/451341/ 2012-07-17T13:14:00Z What are our mortgage options for 20 Acres, farmhouse and barn with apt, with only 15% down? http://www.zillow.com/advice-thread/What-are-our-mortgage-options-for-20-Acres-farmhouse-and-barn-with-apt-with-only-15-down/533907/ 2 replies Wed, 26 Mar 2014 19:03:00 GMT http://www.zillow.com/advice-thread/What-are-our-mortgage-options-for-20-Acres-farmhouse-and-barn-with-apt-with-only-15-down/533907/ 2014-03-26T19:03:00Z I live in Pennsylvania, what's the lowest credit score I need to obtain a home loan http://www.zillow.com/advice-thread/I-live-in-Pennsylvania-what%27s-the-lowest-credit-score-I-need-to-obtain-a-home-loan/503995/ I live in Delaware county, and I'm looking to move ASAP. I have a credit score of 602. It's steadily improving, I have stable work history. My Debt to income ratio is 17%. I'm temporarily on Long term disability so would that hurt my chances? I am also looking to put down at least 20% of the home cost. Last but not least, I wanted to purchase a car, but I was going to put down at least 20% of the car as well so I wouldn't have too much&nbsp; debt. ANY ADVICE?<br \><br \>8 replies Sun, 28 Jul 2013 12:57:00 GMT http://www.zillow.com/advice-thread/I-live-in-Pennsylvania-what%27s-the-lowest-credit-score-I-need-to-obtain-a-home-loan/503995/ 2013-07-28T12:57:00Z Mortgage for 620 credit score with no money down http://www.zillow.com/advice-thread/Mortgage-for-620-credit-score-with-no-money-down/530285/ Trying to get information on obtaining a mortgage for approx $170K - $200K with no money down. Credit score for 2 co signors: #1 income $85K/yr with credit score of 628, #2 income approx $20K/yr credit score 658. Have been paying rent at condo for 6 yrs ($959/month) and never late. Want to purchase home, but concerned about credit scores and no available money down.&nbsp; Any suggestions?<br/><br/>Thanks in advance<br \><br \>9 replies Fri, 28 Feb 2014 02:02:00 GMT http://www.zillow.com/advice-thread/Mortgage-for-620-credit-score-with-no-money-down/530285/ 2014-02-28T02:02:00Z What can I do to get more (or better) quotes for my loan request ZR-WNNBDBY? http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-WNNBDBY/532356/ apply loan about T925 #T925, ,pa? buy it ?&nbsp; call me 724 387 9848 and <a href="mailto:tmaiolie@yahoo.com" rel="nofollow">tmaiolie@yahoo.com</a><br \><br \>2 replies Fri, 14 Mar 2014 20:27:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-WNNBDBY/532356/ 2014-03-14T20:27:00Z Closing Costs PA http://www.zillow.com/advice-thread/Closing-Costs-PA/532918/ Are there any lenders in PA who will let you roll your closing costs into your mortgage when applying for an FHA loan,&nbsp;so you can just come to the table with you down payment? If so who are they? Any help is appreciated.<br \><br \>5 replies Wed, 19 Mar 2014 16:55:00 GMT http://www.zillow.com/advice-thread/Closing-Costs-PA/532918/ 2014-03-19T16:55:00Z Thin to no credit, can I still get a mortgage? http://www.zillow.com/advice-thread/Thin-to-no-credit-can-I-still-get-a-mortgage/532353/ I'm in urgent need to move asap but refuse to rent. I have talked to plenty of people but everyone act like they can't help and that I'm a lost cause. :-( I have 5 months of history and only one line of credit, I'm pretty sure I can qualify for something....... Anyone out there that can help????<br \><br \>9 replies Fri, 14 Mar 2014 20:14:00 GMT http://www.zillow.com/advice-thread/Thin-to-no-credit-can-I-still-get-a-mortgage/532353/ 2014-03-14T20:14:00Z Does disqualifying for a mortgage hit your credit report? http://www.zillow.com/advice-thread/Does-disqualifying-for-a-mortgage-hit-your-credit-report/532516/ 7 replies Sun, 16 Mar 2014 14:12:00 GMT http://www.zillow.com/advice-thread/Does-disqualifying-for-a-mortgage-hit-your-credit-report/532516/ 2014-03-16T14:12:00Z LIEN RELEASED/ LOAN DOCS MARKED PAID IN FULL.. I DIDN'T PAY.. CONFUSED http://www.zillow.com/advice-thread/LIEN-RELEASED-LOAN-DOCS-MARKED-PAID-IN-FULL-I-DIDN%27T-PAY-CONFUSED/531808/ Hope someone can give me some advice.. I left my home because I couldn't afford it.. stopped making payments in June 2013.. then in December I called to get info on a short sale process... never even did the paperwork or anything.. just spoke with them..Then my step dad died and I was away for a while.. and I didnt call back since December.. Then I out of the blue 2 weeks ago I received.. a copy of the release/ reconveyance.. notarized and filed in my county.. then 3 days ago I received all my original loan documents marked paid in full..original lender was AIG/Wilmington Finance ..&nbsp; Also received a list of all the servicers that have had my loan.. Today I called caliber who was the last servicer.. they said a lien release was sent out to me a couple of days ago.. I called the county were the house is they said it was filed in their office last week.. satisfaction of mortgage.. reconveyance of deed.. they checked everything they have and the house is in my name with no lien.as of January 13th 2014.. I don't know what is going on.. I am so confused..<br \><br \>20 replies Tue, 11 Mar 2014 04:31:00 GMT http://www.zillow.com/advice-thread/LIEN-RELEASED-LOAN-DOCS-MARKED-PAID-IN-FULL-I-DIDN%27T-PAY-CONFUSED/531808/ 2014-03-11T04:31:00Z What can I do to get more (or better) quotes for my loan request ZR-WNNBDBY? http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-WNNBDBY/532114/ I want buying own lands for loan apply ? [Email deleted by Zillow moderator for privacy]&nbsp;<br \><br \>1 reply Thu, 13 Mar 2014 00:53:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-WNNBDBY/532114/ 2014-03-13T00:53:00Z How soon can I see results on my credit report after paying off a number of past debts? http://www.zillow.com/advice-thread/How-soon-can-I-see-results-on-my-credit-report-after-paying-off-a-number-of-past-debts/531917/ In the last month we decided to pay off all our credit cards as well as some old debt that was in collections so we can seriously look at buying a house. &nbsp;We don't need anything too big and would need to only a 150k or less mortgage. &nbsp;My credit is not great (approx 660s) with an annual salary of about 50k. &nbsp;I'm wondering how soon can I see results from paying off all my credit cards and some old debt? &nbsp;We've also started using my largest credit card to pay for everything and then turn around amd pay the balance off later in the week as I've heard this can help?<br \><br \>5 replies Tue, 11 Mar 2014 21:35:00 GMT http://www.zillow.com/advice-thread/How-soon-can-I-see-results-on-my-credit-report-after-paying-off-a-number-of-past-debts/531917/ 2014-03-11T21:35:00Z job separation timeframe http://www.zillow.com/advice-thread/job-separation-timeframe/530795/ I last worked a full time job in 2012. Since then I made over 70k per year as a 1099 independant contractor. I am starting a new contract which will be a W2 contract, then convert to full time employee within 8 months. With all of this being said, am I a current candidate for a loan?&nbsp;<br \><br \>3 replies Mon, 03 Mar 2014 23:02:00 GMT http://www.zillow.com/advice-thread/job-separation-timeframe/530795/ 2014-03-03T23:02:00Z