Zillow Advice RSS: Question-Discussion-Guide,Mortgage,Novato- CA http://www.zillow.com/advice/Novato-CA/mortgage/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate 100% financing in California? http://www.zillow.com/advice-thread/100-financing-in-California/528953/ I have a few options for 100% + financing in California: VA, FHA with a Grant, etc. &nbsp;Does anyone know of 100% financing options for a conventional high balance &gt; $417K loan amount? &nbsp;Thanks.<br \><br \>7 replies Tue, 18 Feb 2014 21:06:00 GMT http://www.zillow.com/advice-thread/100-financing-in-California/528953/ 2014-02-18T21:06:00Z Are 80-10-10s available? http://www.zillow.com/advice-thread/Are-80-10-10s-available/507857/ I have a great 80-10-10 available, but it has a combined loan amount limit of $750,000, any one know of a higher loan amount option, what bank?<br \><br \>4 replies Tue, 20 Aug 2013 23:54:00 GMT http://www.zillow.com/advice-thread/Are-80-10-10s-available/507857/ 2013-08-20T23:54:00Z 100% financing in California? http://www.zillow.com/advice-thread/100-financing-in-California/501456/ I have a great product for 100% financing, but it only goes to $417,000 loan amount (or county limit). &nbsp;Does anyone know of a 100% financing option for a high balance loan? &gt; $417,000. &nbsp;<br \><br \>0 replies Thu, 11 Jul 2013 23:06:00 GMT http://www.zillow.com/advice-thread/100-financing-in-California/501456/ 2013-07-11T23:06:00Z Is there any way to refinance an investment property with only 10% equity? http://www.zillow.com/advice-thread/Is-there-any-way-to-refinance-an-investment-property-with-only-10-equity/499679/ The property was underwater, but a recent sale of an identical unit across the street was 10% over my mortgage balance.&nbsp; The mortgage is not Fannie, Freddie, or FHA.&nbsp; Currently on a 7% interest-only.<br \><br \>1 reply Sun, 30 Jun 2013 05:19:00 GMT http://www.zillow.com/advice-thread/Is-there-any-way-to-refinance-an-investment-property-with-only-10-equity/499679/ 2013-06-30T05:19:00Z Quicken Loans, Lending Tree or CBC National Bank http://www.zillow.com/advice-thread/Quicken-Loans-Lending-Tree-or-CBC-National-Bank/475107/ I have to refinance my condo because I got divorced, I am not worried about being qualified for a loan because I have excellent credit score and steady income and no debts. I would &nbsp;like to know which lender I should use also am I considered as a 1st home buyer since the ex husband was the primary on the loan?<br/>Thank you.<br \><br \>5 replies Sun, 20 Jan 2013 16:14:00 GMT http://www.zillow.com/advice-thread/Quicken-Loans-Lending-Tree-or-CBC-National-Bank/475107/ 2013-01-20T16:14:00Z B of A turned us down for a modification, now what? http://www.zillow.com/advice-thread/B-of-A-turned-us-down-for-a-modification-now-what/442099/ We had a baby&nbsp;born with Down Sydrome, premature, needing heart surgery.&nbsp; We spent two months in the hospital, lost pay, got behind.&nbsp; B of A rep said that we couldn't be helped until we were three months behind.&nbsp; Then we tried to pay on our mortgage and were told that it won't count against what we owed.&nbsp; I am heartbroken, not sure what to do.&nbsp; Suggestions?&nbsp; We are 'upside down' all that we put as a down payment, 7&nbsp; years ago, is gone due to devaluation.<br \><br \>7 replies Wed, 09 May 2012 04:41:00 GMT http://www.zillow.com/advice-thread/B-of-A-turned-us-down-for-a-modification-now-what/442099/ 2012-05-09T04:41:00Z why can't i find information on 289 san andreas,novato,california,94945,and it is not coming up http://www.zillow.com/advice-thread/why-can%27t-i-find-information-on-289-san-andreas-novato-california-94945-and-it-is-not-coming-up/381123/ 4 replies Sun, 16 Jan 2011 18:45:00 GMT http://www.zillow.com/advice-thread/why-can%27t-i-find-information-on-289-san-andreas-novato-california-94945-and-it-is-not-coming-up/381123/ 2011-01-16T18:45:00Z What happens if there is equity and the bank forecloses? Does the bank keep all the money? http://www.zillow.com/advice-thread/What-happens-if-there-is-equity-and-the-bank-forecloses-Does-the-bank-keep-all-the-money/379245/ 14 replies Sun, 02 Jan 2011 12:34:00 GMT http://www.zillow.com/advice-thread/What-happens-if-there-is-equity-and-the-bank-forecloses-Does-the-bank-keep-all-the-money/379245/ 2011-01-02T12:34:00Z Re: giving out info to your mortgage brokers http://www.zillow.com/advice-thread/Re-giving-out-info-to-your-mortgage-brokers/374282/ How can I be assured that my personal information ie. social security number is not misused my your mortgage brokers when I submit my information to them? Thanks, Brian<br \><br \>4 replies Tue, 09 Nov 2010 04:32:00 GMT http://www.zillow.com/advice-thread/Re-giving-out-info-to-your-mortgage-brokers/374282/ 2010-11-09T04:32:00Z Any local help(advice) re underwater mortgage due to reset? http://www.zillow.com/advice-thread/Any-local-help-advice-re-underwater-mortgage-due-to-reset/348208/ 3 replies Mon, 03 May 2010 02:57:00 GMT http://www.zillow.com/advice-thread/Any-local-help-advice-re-underwater-mortgage-due-to-reset/348208/ 2010-05-03T02:57:00Z Is there some sort of resolve in trying to reduce the interest rate on an existing loan? http://www.zillow.com/advice-thread/Is-there-some-sort-of-resolve-in-trying-to-reduce-the-interest-rate-on-an-existing-loan/243005/ We are underwater by $105K, since we have done over $100K in major&amp;minor improvements to our home over the 28 years we have resided in it.&nbsp; We've contacted WELLS FARGO, the lender on both the 1st DT &amp; Equity Line, but they will not help unless one is behind by 60+ days on the <a href="http://www.zillow.com/mortgage/">mortgage</a> payments...we have always been and still are current...reason for trying to reduce our <a href="http://www.zillow.com/Mortgage_Rates/">interest rate</a> (curently @ 6% interest only, 5/30 <a href="http://www.zillow.com/mortgage/">loan</a>) is so we can apply more to the principle; the Equity Line is a fixed/variable loan...same lender reply.&nbsp; Thank You,&nbsp; Ray<br \><br \>2 replies Fri, 05 Jun 2009 18:46:00 GMT http://www.zillow.com/advice-thread/Is-there-some-sort-of-resolve-in-trying-to-reduce-the-interest-rate-on-an-existing-loan/243005/ 2009-06-05T18:46:00Z I want to see principal and int only for my "payment" on my loan request. How? http://www.zillow.com/advice-thread/I-want-to-see-principal-and-int-only-for-my-payment-on-my-loan-request-How/261658/ 2 replies Tue, 28 Jul 2009 18:59:00 GMT http://www.zillow.com/advice-thread/I-want-to-see-principal-and-int-only-for-my-payment-on-my-loan-request-How/261658/ 2009-07-28T18:59:00Z I have a 15 year home equity loan in first position with USB. I've lost one of my sources of income http://www.zillow.com/advice-thread/I-have-a-15-year-home-equity-loan-in-first-position-with-USB-I%27ve-lost-one-of-my-sources-of-income/260883/ sources of income, and&nbsp;need to get a 30 year.&nbsp; My bank says I don't qualify for&nbsp;any Obama plans because I have a <a href="http://www.zillow.com/home-equity-loan/">home equity loan</a>, not a regular <a href="http://www.zillow.com/mortgage/">mortgage</a>, plus I'm current with my payments and&nbsp;my credit is good.&nbsp; I am self employed with variable income.&nbsp; Do I have any alternatives?&nbsp; Thanks for any input.<br \><br \>2 replies Sun, 26 Jul 2009 23:26:00 GMT http://www.zillow.com/advice-thread/I-have-a-15-year-home-equity-loan-in-first-position-with-USB-I%27ve-lost-one-of-my-sources-of-income/260883/ 2009-07-26T23:26:00Z we are considered high-risk with our credit scores & have nt , any hope to find a lender out there? http://www.zillow.com/advice-thread/we-are-considered-high-risk-with-our-credit-scores-have-nt-any-hope-to-find-a-lender-out-there/208397/ 6 replies Mon, 09 Mar 2009 17:12:00 GMT http://www.zillow.com/advice-thread/we-are-considered-high-risk-with-our-credit-scores-have-nt-any-hope-to-find-a-lender-out-there/208397/ 2009-03-09T17:12:00Z Can I still refinance under Obama plan if my loan is not backed by Fannie Mae? http://www.zillow.com/advice-thread/Can-I-still-refinance-under-Obama-plan-if-my-loan-is-not-backed-by-Fannie-Mae/204213/ <p>I asked my <a href="http://www.zillow.com/directory/lenders/">lender</a> (First Horizon) about who's backing my <a href="http://www.zillow.com/mortgage/">loan</a> and they said "Bank of New York", however in order to qualify for <a href="http://www.zillow.com/refinance/">refinancing</a> under the Obama housing plan I was reading in Zillow that my loan has to be backed by Fannie and Mae.</p><p>I never thought such info will be important and dont know what's the difference between both banks as Bank of New York is a Federal bank as well.</p><br/><br \><br \>5 replies Thu, 26 Feb 2009 18:02:00 GMT http://www.zillow.com/advice-thread/Can-I-still-refinance-under-Obama-plan-if-my-loan-is-not-backed-by-Fannie-Mae/204213/ 2009-02-26T18:02:00Z How can you be so fast at responding with your JUDGEMENTS, yet consider yourselves professional? http://www.zillow.com/advice-thread/How-can-you-be-so-fast-at-responding-with-your-JUDGEMENTS-yet-consider-yourselves-professional/208507/ TO ALL WHO RESPONDED in a negative way, attacking a question I postes; It's very disappointing to have received so many comments on a question asked, in such a harsh way based on your PERCEIVED JUDGEMENTS??&nbsp; it's fine if you morgage brokers&amp;lenders would respond with a simple NO, advicing or informing a "Careless Ireesponsible"&nbsp; human BEING(probably not in any of your vocabularys) that there are no <a href="http://www.zillow.com/directory/lenders/">lenders</a> out there to help HIGH RISK credit ratings, or even that I shoudl'nt make such a step that would imply I'm living beyond my means,&nbsp; how unfortuante for the people who DO have the good credit and choose your services not knowing how judgemental &amp; unfriendly you really are not to mention UNPROFESSIONAL lack of Class.&nbsp; there were even comments about how my father has given the money to the wrong person, etc, ... etc... when you know nothing what-so-ever about my background, culture or of the benefits targeted at my son and their grandson. <br/>yeah thanks so much, got lot's of good advice from a very nice group of skilled people <br/><br/>truely sad<br/><br/><br/><br \><br \>14 replies Mon, 09 Mar 2009 20:34:00 GMT http://www.zillow.com/advice-thread/How-can-you-be-so-fast-at-responding-with-your-JUDGEMENTS-yet-consider-yourselves-professional/208507/ 2009-03-09T20:34:00Z My loan is backed by Bank of New York not Fannie Mae. Can I still refinance under Obama plan? http://www.zillow.com/advice-thread/My-loan-is-backed-by-Bank-of-New-York-not-Fannie-Mae-Can-I-still-refinance-under-Obama-plan/203813/ 4 replies Wed, 25 Feb 2009 18:55:00 GMT http://www.zillow.com/advice-thread/My-loan-is-backed-by-Bank-of-New-York-not-Fannie-Mae-Can-I-still-refinance-under-Obama-plan/203813/ 2009-02-25T18:55:00Z mortgage broker Novato, California?? http://www.zillow.com/advice-thread/mortgage-broker-Novato-California/200177/ Is there a quality <a href="http://www.zillow.com/directory/lenders/">mortgage broker</a> to ascertain our <a href="http://www.zillow.com/mortgage/">loan</a> here in Novato, Califronia 94947??<br \><br \>2 replies Tue, 17 Feb 2009 04:30:00 GMT http://www.zillow.com/advice-thread/mortgage-broker-Novato-California/200177/ 2009-02-17T04:30:00Z