Zillow Advice RSS: Question-Discussion-Guide,Mortgage,WI http://www.zillow.com/advice/WI/mortgage/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate VA loan with bad credit?? http://www.zillow.com/advice-thread/VA-loan-with-bad-credit/561984/ looking to buy a house in Central WI. Going through a divorce, am 100% service connected disability. I don't know any places willing to work with me at all. I just want out of this home, and start a new life with my son. But my credit is holding me back on so many levels. Any suggestions or advice? Any banks that would be willing to help at all?<br \><br \>3 replies Tue, 07 Oct 2014 07:21:00 GMT http://www.zillow.com/advice-thread/VA-loan-with-bad-credit/561984/ 2014-10-07T07:21:00Z 85-90% LTV Jumbos in WI? http://www.zillow.com/advice-thread/85-90-LTV-Jumbos-in-WI/562061/ We are selling our old home in OH and moving to WI for a new job. &nbsp;We have enough liquidity to put down 10-15%, but until we sell our home in OH won't be able to hit 20%. &nbsp;What are my options? &nbsp;Credit and Debt/Income carrying two mortgages won't be a problem. &nbsp;Purchase price is $650K.<br \><br \>4 replies Tue, 07 Oct 2014 19:54:00 GMT http://www.zillow.com/advice-thread/85-90-LTV-Jumbos-in-WI/562061/ 2014-10-07T19:54:00Z I found my dream house of $199k, credit is 580.. I own my own business..can i get approved? http://www.zillow.com/advice-thread/I-found-my-dream-house-of-199k-credit-is-580-I-own-my-own-business-can-i-get-approved/561403/ 5 replies Thu, 02 Oct 2014 01:59:00 GMT http://www.zillow.com/advice-thread/I-found-my-dream-house-of-199k-credit-is-580-I-own-my-own-business-can-i-get-approved/561403/ 2014-10-02T01:59:00Z Can a non-owner occupied rental property be used for a home equity loan or LOC? http://www.zillow.com/advice-thread/Can-a-non-owner-occupied-rental-property-be-used-for-a-home-equity-loan-or-LOC/559968/ 2 replies Sat, 20 Sep 2014 01:29:00 GMT http://www.zillow.com/advice-thread/Can-a-non-owner-occupied-rental-property-be-used-for-a-home-equity-loan-or-LOC/559968/ 2014-09-20T01:29:00Z When to get preapproved? http://www.zillow.com/advice-thread/When-to-get-preapproved/538412/ Renting right now. &nbsp;Credit scores of approx 660. &nbsp;Income of $52k/year. &nbsp;Chapter 7 bankruptcy discharged in June of 2013. &nbsp;Husband is a graduate student. &nbsp;I know we have to wait until June of 2015 to be approved for a FHA mortgage. &nbsp;<br/><br/>My question is, can we be preapproved before that so we can be ready to purchase right after we've hit our two year waiting period? &nbsp;Or are we unable to get even preapproved until after the two years is up. &nbsp;<br \><br \>9 replies Mon, 28 Apr 2014 20:07:00 GMT http://www.zillow.com/advice-thread/When-to-get-preapproved/538412/ 2014-04-28T20:07:00Z Is there anyone in the Milwaukee area that offers the Fannie Mae Homestyle Renovation loan? http://www.zillow.com/advice-thread/Is-there-anyone-in-the-Milwaukee-area-that-offers-the-Fannie-Mae-Homestyle-Renovation-loan/474355/ 8 replies Mon, 14 Jan 2013 20:25:00 GMT http://www.zillow.com/advice-thread/Is-there-anyone-in-the-Milwaukee-area-that-offers-the-Fannie-Mae-Homestyle-Renovation-loan/474355/ 2013-01-14T20:25:00Z Lot Equity for Construction Loan http://www.zillow.com/advice-thread/Lot-Equity-for-Construction-Loan/530651/ <p>I'm purchasing a lot of land that is banked owned after a developer went under in a newly developed subdivision. I'm buying the property for $30,000 and other lots the same size&nbsp;in the subdivision&nbsp;are listed as $45,000.<br/>My question is if I have the land appraised for $45,000 could I use the $15,000 difference towards a down payment on a construction loan? I've seen a few construction loans that only require 5% so I'm wondering if I finagle a no cash out of pocket deal.</p><br \><br \>3 replies Mon, 03 Mar 2014 01:55:00 GMT http://www.zillow.com/advice-thread/Lot-Equity-for-Construction-Loan/530651/ 2014-03-03T01:55:00Z Interested in a property with acreage. what is the maximum acreage allowed for a jumbo mortgage? http://www.zillow.com/advice-thread/Interested-in-a-property-with-acreage-what-is-the-maximum-acreage-allowed-for-a-jumbo-mortgage/556640/ 4 replies Tue, 26 Aug 2014 18:35:00 GMT http://www.zillow.com/advice-thread/Interested-in-a-property-with-acreage-what-is-the-maximum-acreage-allowed-for-a-jumbo-mortgage/556640/ 2014-08-26T18:35:00Z Loan approval with low scores and $69,000 http://www.zillow.com/advice-thread/Loan-approval-with-low-scores-and-69-000/555195/ My wife and I are looking to purchase a home. &nbsp;My credit scores is 582, and another is listed at 600. Her score is 682. Our combined income is $69,000. I was wondering if it is possible for us to get a home lone in the $160-$179,000 range with our scores and income. Looking for a lender to work with that would be able to make this happen....if possible<br \><br \>7 replies Mon, 18 Aug 2014 00:45:00 GMT http://www.zillow.com/advice-thread/Loan-approval-with-low-scores-and-69-000/555195/ 2014-08-18T00:45:00Z Walking away from an underwater mortgage. http://www.zillow.com/advice-thread/Walking-away-from-an-underwater-mortgage/553974/ What are the ramifications to walking away from an underwater mortgage?&nbsp; Should the taxes continue to be paid?&nbsp; How long till the bank actually evicts someone after non payment on the mortgage?&nbsp; About 6 or 7 years ago I heard that it actually took about 2 years for that to happen, yes/no?<br \><br \>4 replies Sat, 09 Aug 2014 16:59:00 GMT http://www.zillow.com/advice-thread/Walking-away-from-an-underwater-mortgage/553974/ 2014-08-09T16:59:00Z Apr vs. interest rate? http://www.zillow.com/advice-thread/Apr-vs-interest-rate/507880/ My lender gave me some numbers and I'm trying to understand them. He gave me an apr of 4.972 and interest rate of 4.875. What does this mean? And these are with 20% down in Kenosha, wi. This was from today, is this a good rate? Thanks so much, my head is spinning.<br \><br \>10 replies Wed, 21 Aug 2013 02:25:00 GMT http://www.zillow.com/advice-thread/Apr-vs-interest-rate/507880/ 2013-08-21T02:25:00Z Still can't get a VA loan after we both have 620+ scores http://www.zillow.com/advice-thread/Still-can%27t-get-a-VA-loan-after-we-both-have-620-scores/498014/ We are looking to get a VA loan.&nbsp; We had a foreclosure in 2007 and bankruptcy in 2005.&nbsp; Our credit score was pulled yesterday by a lender.&nbsp; Mine is 650 and my wife's is 636.&nbsp; We were approved with credit score, but the computerized underwriter is declining us.&nbsp; What gives?&nbsp; It is quite frustrating to be above the magical 620 score only to have another hurdle in front of us.&nbsp; Any suggestions?<br \><br \>8 replies Thu, 20 Jun 2013 00:51:00 GMT http://www.zillow.com/advice-thread/Still-can%27t-get-a-VA-loan-after-we-both-have-620-scores/498014/ 2013-06-20T00:51:00Z Need a refi on 100ft Pewaukee Lk w/ 1single family and 1duplex on one lot?? http://www.zillow.com/advice-thread/Need-a-refi-on-100ft-Pewaukee-Lk-w-1single-family-and-1duplex-on-one-lot/551874/ 2 replies Mon, 28 Jul 2014 22:09:00 GMT http://www.zillow.com/advice-thread/Need-a-refi-on-100ft-Pewaukee-Lk-w-1single-family-and-1duplex-on-one-lot/551874/ 2014-07-28T22:09:00Z BMO Harris bank want 57000 line of credit by sept http://www.zillow.com/advice-thread/BMO-Harris-bank-want-57000-line-of-credit-by-sept/550984/ My home bought in 2005 appraised at 196000 1916 home historical of the town of Mayville wi wealthy man Lang had historical architect H.W Buemming build the home, Historical architect building only prestigues homes along lake in Milwaukee, home has all center cut wood we are 3rd owners only put 57000 in electrical insulation central air refurbished all the natural wood floors, saying home in is only worth 170000 not realistic appraisal in 2005 bank stated home with improvements home worth 265000 need help what is home worth<br \><br \>2 replies Wed, 23 Jul 2014 17:27:00 GMT http://www.zillow.com/advice-thread/BMO-Harris-bank-want-57000-line-of-credit-by-sept/550984/ 2014-07-23T17:27:00Z Buying a home without my name on the mortgage? http://www.zillow.com/advice-thread/Buying-a-home-without-my-name-on-the-mortgage/551174/ .<br \><br \>5 replies Thu, 24 Jul 2014 19:17:00 GMT http://www.zillow.com/advice-thread/Buying-a-home-without-my-name-on-the-mortgage/551174/ 2014-07-24T19:17:00Z VA loan with a credit score of 604 http://www.zillow.com/advice-thread/VA-loan-with-a-credit-score-of-604/544288/ I am a disabled veteran with a credit score of 604. I am currently trying to raise that up but I am wondering if there is any lenders out there that can work with someone with a credit score of around 600 in a VA loan in the Southern Wisconsin area.&nbsp;<br \><br \>9 replies Thu, 05 Jun 2014 23:44:00 GMT http://www.zillow.com/advice-thread/VA-loan-with-a-credit-score-of-604/544288/ 2014-06-05T23:44:00Z Loan Eligibility http://www.zillow.com/advice-thread/Loan-Eligibility/550123/ I've been a state employee for 3 years. I transferred to a different state agency 4 months ago while keeping the same job title and pay grade. Will this have an effect on my VA loan eligibility as far as work history is concerned?<br \><br \>6 replies Fri, 18 Jul 2014 02:48:00 GMT http://www.zillow.com/advice-thread/Loan-Eligibility/550123/ 2014-07-18T02:48:00Z How do I calculate my mortgage payment for 30 years? http://www.zillow.com/advice-thread/How-do-I-calculate-my-mortgage-payment-for-30-years/550065/ 2 replies Thu, 17 Jul 2014 19:13:00 GMT http://www.zillow.com/advice-thread/How-do-I-calculate-my-mortgage-payment-for-30-years/550065/ 2014-07-17T19:13:00Z My credit score is 606. Can I still get approved for a mortgage loan? http://www.zillow.com/advice-thread/My-credit-score-is-606-Can-I-still-get-approved-for-a-mortgage-loan/537621/ I am a teacher in Marshfield, WI. I have been at my job for 3 consecutive years. I have a daughter and I am a single mother. All my credit cards are paid, and my mortgage lender said that&nbsp;I am doing everything right and that it's just bad timing and haven't had enough time for recovery. I am looking at a property right now, but am unable to get financing because of my credit score. Does anyone know of a place that can&nbsp; help me?<br \><br \>10 replies Wed, 23 Apr 2014 13:19:00 GMT http://www.zillow.com/advice-thread/My-credit-score-is-606-Can-I-still-get-approved-for-a-mortgage-loan/537621/ 2014-04-23T13:19:00Z Alternative options for small amount of financing $20,000 http://www.zillow.com/advice-thread/Alternative-options-for-small-amount-of-financing-20-000/546829/ My fianc&eacute; and I are purchasing an foreclosure, offer is at $167,500.&nbsp;My father is giving us $145,000 to purchase, so we would looking for a private or hard loan for $20,000-$25,000.&nbsp; Tax Assessment on this house is $301,000.&nbsp; We cannot do standard financing because my fianc&eacute; had a bankruptcy a little less than two years ago. Would anyone be able to help??&nbsp; We do have $7,000 in cash but would like to keep this for any repairs needed.<br \><br \>1 reply Mon, 23 Jun 2014 23:50:00 GMT http://www.zillow.com/advice-thread/Alternative-options-for-small-amount-of-financing-20-000/546829/ 2014-06-23T23:50:00Z