Zillow Advice RSS: Question-Discussion-Guide,Mortgage,Woodland- CA http://www.zillow.com/advice/Woodland-CA/mortgage/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Are there any creative $0 down scenarios anymore? http://www.zillow.com/advice-thread/Are-there-any-creative-0-down-scenarios-anymore/520365/ My wife and I are divorcing and owe $325k on a home that maybe could sell for $335k. If we do a traditional sale, we will likely have to pay out-of-pocket. This will leave each of us in scenarios where we cannot come up with the 5% down for a conventional loan. If we short sale, we also can't buy a home. Each of us could; however, refinance our existing home and make it work, but it would be tighter than either of us would be comfortable with.&nbsp; It seems so strange, that I can refinance $325k but can't go out and buy a $250k house because I would need about $20k... anybody got a solution?&nbsp;<br \><br \>6 replies Fri, 29 Nov 2013 06:54:00 GMT http://www.zillow.com/advice-thread/Are-there-any-creative-0-down-scenarios-anymore/520365/ 2013-11-29T06:54:00Z Who is the best FHA lender. http://www.zillow.com/advice-thread/Who-is-the-best-FHA-lender/309164/ I called my bank, USAA and they told me I needed a larger downpayment to qual. I have the cash but am Unwilling to spend it. I have good credit, enough income, they said the Down payment was the issue. Help all I want is 145,000? Why is it so hard to get a house when Im not even close to sub prime? VA is no help either right now as I dont have orders to move where Im buying, Who is a good reliable <a href="http://www.zillow.com/directory/lenders/">lender</a> who can help me out, not rip me off?<br \><br \>4 replies Sat, 26 Dec 2009 20:49:00 GMT http://www.zillow.com/advice-thread/Who-is-the-best-FHA-lender/309164/ 2009-12-26T20:49:00Z Can I use an apprisal I just got through Wellsfargo two weeks ago? http://www.zillow.com/advice-thread/Can-I-use-an-apprisal-I-just-got-through-Wellsfargo-two-weeks-ago/212896/ 2 replies Fri, 20 Mar 2009 14:16:00 GMT http://www.zillow.com/advice-thread/Can-I-use-an-apprisal-I-just-got-through-Wellsfargo-two-weeks-ago/212896/ 2009-03-20T14:16:00Z Can I refinance on a rental property right now. I have a first and second. mortg. http://www.zillow.com/advice-thread/Can-I-refinance-on-a-rental-property-right-now-I-have-a-first-and-second-mortg/206809/ I have a first <a href="http://www.zillow.com/mortgage/">mortgage</a> of 401,000 and a second of 45,000.&nbsp; The a.r.m. on the first will adjust in 2011 and the second is 11.9%.&nbsp; Due to the fact this is a rental property and it has a jumbo <a href="http://www.zillow.com/mortgage/">loan</a> tagged to it.&nbsp; The house is worth approximately 246,000 per this site.<br \><br \>1 reply Thu, 05 Mar 2009 07:23:00 GMT http://www.zillow.com/advice-thread/Can-I-refinance-on-a-rental-property-right-now-I-have-a-first-and-second-mortg/206809/ 2009-03-05T07:23:00Z