Zillow Advice RSS: Question-Discussion-Guide,Zillow Questions,MA http://www.zillow.com/advice/MA/zillow-questions/question-discussion-guide/mortgage/?s=0 Zillow Advice search results | Zillow Real Estate Privacy issue questions http://www.zillow.com/advice-thread/Privacy-issue-questions/372190/ <a rel="nofollow" href="http://lmgtfy.com/?q=zillow+seatle+wa">Phone number</a><br/><br/>I'm wondering if the information is from public records such as your assessors office. Have you ever checked what the town has on record? Further, your deed and mortgage are on record at the Reg of Deeds in Cambridge.<br \><br \>0 replies Fri, 22 Oct 2010 13:46:00 GMT http://www.zillow.com/advice-thread/Privacy-issue-questions/372190/ 2010-10-22T13:46:00Z How do we get our home and mortgage info off zillow's site? it is inaccurate and violates our privac http://www.zillow.com/advice-thread/How-do-we-get-our-home-and-mortgage-info-off-zillow%27s-site-it-is-inaccurate-and-violates-our-privac/330480/ 2 replies Wed, 03 Mar 2010 21:33:00 GMT http://www.zillow.com/advice-thread/How-do-we-get-our-home-and-mortgage-info-off-zillow%27s-site-it-is-inaccurate-and-violates-our-privac/330480/ 2010-03-03T21:33:00Z What is the difference between Pre-foreclosed, Pre-forclosed Auction and Forclosed? http://www.zillow.com/advice-thread/What-is-the-difference-between-Pre-foreclosed-Pre-forclosed-Auction-and-Forclosed/528751/ <div><strong>A foreclosed home is one in which the owner is unable to make his mortgage loan payments and the bank repossessed the home. These homes are usually not for sale until the entire foreclosure process is complete and the bank lists the home in the local Multiple Listing Service (MLS.) The foreclosure process involves three stages:</strong><div><strong><br/></strong><div><strong>Pre-foreclosure: the bank filed a notice of default saying that the owner has fallen two months behind on the mortgage payments. At this point, the owner still has two to three months to try and refinance the loan or attempt to sell the home as a short sale.</strong><div><strong><br/>Auction: the owners can't make the mortgage payments and the bank schedules an auction to sell the home "as-is" (meaning what you see is what you get) to the highest bidder. If the owner comes up with money at the last minute to begin making the mortgage payments, the bank will cancel the auction.</strong><div><strong><br/>Bank Owned: the home failed to sell at an auction, and the lien holders of the home are paid off throughprivate mortgage insurance or end up taking a loss on the investment. These homes are also known asREOs (real estate owned). The bank with the primary mortgage on the home is now the owner and will usually list the home with a real estate agent in the local MLS.</strong><div><strong>Foreclosed Homes&nbsp;</strong><div><strong>Foreclosed homes may or may not be for sale. Information can be received about a home from a bank's website or other sources, but may likely still not be for sale, for many different reasons.<br/>Call me or email if you want to be set you up to receive daily updates of properties for sale in your area.</strong></div></div></div></div></div></div></div><br \><br \>0 replies Mon, 17 Feb 2014 18:30:00 GMT http://www.zillow.com/advice-thread/What-is-the-difference-between-Pre-foreclosed-Pre-forclosed-Auction-and-Forclosed/528751/ 2014-02-17T18:30:00Z Real Estate Agent or Real Estate Lawyer? http://www.zillow.com/advice-thread/Real-Estate-Agent-or-Real-Estate-Lawyer/514591/ I just bought a house at Long Island, New York. I did not hire a lawyer. It's a standard process. You just fill several sentences in a standard form of contract, order an inspection, apply mortgage, order a title search and title insurance, got a home insurance, and then close. <br/><br/>Some people suggest that pay a small percentage to lawyer can protect you, as purchase a house needs a lot of money, maybe your whole life saving. The fact is, if you do not spend time to understand this process, you are really at risk. Lawyers just make this process looks complex, difficult, and secret. They do not even read the basic document, make stupid mistake, just like the seller's lawyer Craig H. Augi and his assistant Shari Greenstein.&nbsp; I would not suggest anyone to hire a lawyer. If you insist to hire one, do not hire this Craig Augi. If the other party hire him, ask to drop him. <br/><br/>I would suggest to get a realtor. An experience and honest realtor would be a great asset. It is also easier to drop realtor if you are not satisfied. Although realtor and lawyer are both not essential or required, the way they are payed cause these two professions very different. I do not understand why a lawyer so heartless and stupid like Craig could survive and no one complain. If you want know my experience with this lawyer, email: [deleted by Zillow moderator]<br \><br \>0 replies Fri, 11 Oct 2013 17:58:00 GMT http://www.zillow.com/advice-thread/Real-Estate-Agent-or-Real-Estate-Lawyer/514591/ 2013-10-11T17:58:00Z what is zillow? where does it feed from in most cases? should agents make changes is zillow? http://www.zillow.com/advice-thread/what-is-zillow-where-does-it-feed-from-in-most-cases-should-agents-make-changes-is-zillow/300222/ Zillow is the best site for <a href="http://www.zillow.com">real estate</a> on the internet. You can search for <a href="http://www.zillow.com/homes/">homes for sale</a>, see home values, find a great <a href="http://www.zillow.com/mortgage/">mortgage</a> on our Zillow Mortgage Marketplace and more.<br/><br/>In most cases, Zillow receives its listings via feeds provided to us by brokers. They send, we list.<br/><br/>In general, agents should always look after their Zillow listings, try to make them as accurate as possible, and to take them down when they're no longer for sale. If you're having some issues with your particular listing feed, feel free to repost here with a question.<br \><br \>0 replies Fri, 20 Nov 2009 21:31:00 GMT http://www.zillow.com/advice-thread/what-is-zillow-where-does-it-feed-from-in-most-cases-should-agents-make-changes-is-zillow/300222/ 2009-11-20T21:31:00Z I've noticed that Zillow shows that my home was sold in 1995. Never happened. How to change? http://www.zillow.com/advice-thread/I%27ve-noticed-that-Zillow-shows-that-my-home-was-sold-in-1995-Never-happened-How-to-change/351440/ Thanks for the help but there is no mortgage on the house so it can't be a refi. Can I contact Zillow to have it removed? Not planning on selling the house just want the info to be correct.<br \><br \>0 replies Tue, 25 May 2010 21:16:00 GMT http://www.zillow.com/advice-thread/I%27ve-noticed-that-Zillow-shows-that-my-home-was-sold-in-1995-Never-happened-How-to-change/351440/ 2010-05-25T21:16:00Z Can LLPA be charged on a Buy City Mortgage loan http://www.zillow.com/advice-thread/Can-LLPA-be-charged-on-a-Buy-City-Mortgage-loan/529049/ 0 replies Wed, 19 Feb 2014 14:06:00 GMT http://www.zillow.com/advice-thread/Can-LLPA-be-charged-on-a-Buy-City-Mortgage-loan/529049/ 2014-02-19T14:06:00Z What can I do to get more (or better) quotes for my loan request ZR-SLJWYJG http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-SLJWYJG/379187/ Find a qualified mortgage consultant and start working with them to determine the best program available now.<br \><br \>0 replies Sat, 01 Jan 2011 17:45:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-SLJWYJG/379187/ 2011-01-01T17:45:00Z Bug in monthly payment with mortgage and taxex http://www.zillow.com/advice-thread/Bug-in-monthly-payment-with-mortgage-and-taxex/428755/ Steps to reproduce:<br/><br/>1) Go to a home like '16 carding mill rd,sudbury,ma'<br/><br/>it will show <a href="http://www.zillow.com/mortgage-rates/">mortgage</a> for 30 yrs=2900<br/>The taxes shown for the house are round $15000<br/><br/>2) Now for monthly payment, select the checkbox that says 'add taxex'.<br/>3) Zillow will report a total payment of $3700 or so. It added only $800 for the monthly tax while the real tax is $1200 or so per month. the monthly payment should be around $4100 or so<br/><br/><br/>Another drawback is that zillow does not allow you to change <a href="http://www.zillow.com/mortgage-rates/">mortgage rate</a> for monthly calculation (not all of us get the lowest rates zillow reports and then uses!). I need to go to someother page/site to adjust that<br \><br \>1 reply Sat, 14 Jan 2012 12:43:00 GMT http://www.zillow.com/advice-thread/Bug-in-monthly-payment-with-mortgage-and-taxex/428755/ 2012-01-14T12:43:00Z What is a short sale http://www.zillow.com/advice-thread/What-is-a-short-sale/340195/ Simply speaking a short sale is when the bank agrees to sell a house for less than the mortgage amount owed. You can read more about short sales on&nbsp;<a rel="nofollow" href="http://homebuying.about.com/od/4closureshortsales/a/shortsalebasics.htm">here</a>. Hope it helps.<br \><br \>0 replies Fri, 02 Apr 2010 17:06:00 GMT http://www.zillow.com/advice-thread/What-is-a-short-sale/340195/ 2010-04-02T17:06:00Z is thera any way to find out the equity in a home between two spacific dates? http://www.zillow.com/advice-thread/is-thera-any-way-to-find-out-the-equity-in-a-home-between-two-spacific-dates/513731/ The equity is the difference between market value and the amount owed on the home.&nbsp;&nbsp; The former can be estimated using an AVM such as Zillow's Zestimate (or many others).&nbsp; The latter is not public information.&nbsp; If it is your home, your mortgage statement records will tell you that. <br/><br/><br \><br \>0 replies Tue, 01 Oct 2013 21:37:00 GMT http://www.zillow.com/advice-thread/is-thera-any-way-to-find-out-the-equity-in-a-home-between-two-spacific-dates/513731/ 2013-10-01T21:37:00Z Hi, how do I get how much we paid for our house off the zillow website. I dont want peopel to know. http://www.zillow.com/advice-thread/Hi-how-do-I-get-how-much-we-paid-for-our-house-off-the-zillow-website-I-dont-want-peopel-to-know/193342/ Unfortunately it won't come off. As a public record, it is public information. Even your specific <a href="http://www.zillow.com/mortgage/">mortgage</a> can be looked up and read online.<br \><br \>0 replies Wed, 28 Jan 2009 17:21:00 GMT http://www.zillow.com/advice-thread/Hi-how-do-I-get-how-much-we-paid-for-our-house-off-the-zillow-website-I-dont-want-peopel-to-know/193342/ 2009-01-28T17:21:00Z why are most recent sales listed with a sale price of $1 is this bringing the zestimates down? http://www.zillow.com/advice-thread/why-are-most-recent-sales-listed-with-a-sale-price-of-1-is-this-bringing-the-zestimates-down/399179/ <p class="MsoNormal">One Dollar Deed Transactions</p><p class="MsoNormal">There are some great opportunities to buy homes for a bargain right now and the mortgage interest rates are very favorable. Now's the time to buy before you miss out.</p><p class="MsoNormal">Regarding the transaction for $1&hellip; The reality is most homes sell for market value or at a price that the Buyer and Seller will agree to. Maybe a rich uncle, if you have one, may sell you one for $1. If you don't have a rich relative, then most likely you'll pay fair market value.</p><p class="MsoNormal">The fact is, when you see a transaction for $1, it's generally a transaction between family members. Sometimes it's from individuals to a family trust. The $1.00 is a formality to demonstrate consideration paid for the transaction. You can't write the word "Free" on a deed because there is no consideration. So, by writing $1.00 on the deed as consideration, it officially makes it a legal transaction.</p><br \><br \>0 replies Mon, 16 May 2011 19:13:00 GMT http://www.zillow.com/advice-thread/why-are-most-recent-sales-listed-with-a-sale-price-of-1-is-this-bringing-the-zestimates-down/399179/ 2011-05-16T19:13:00Z in the process of buying my first home is 2months along time to wait to close on a house http://www.zillow.com/advice-thread/in-the-process-of-buying-my-first-home-is-2months-along-time-to-wait-to-close-on-a-house/548178/ The mortgage usually takes the longest depending on the bank and the type if loan. Two months is not necessarily usual. Are your sellers also purchasing a home? That's a double or possibly a triple transaction and that can take time too. Be patient. It will all work out.<br \><br \>0 replies Wed, 02 Jul 2014 17:35:00 GMT http://www.zillow.com/advice-thread/in-the-process-of-buying-my-first-home-is-2months-along-time-to-wait-to-close-on-a-house/548178/ 2014-07-02T17:35:00Z What can I do to get more (or better) quotes for my loan request ZR-MYCWRHC http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-MYCWRHC/413639/ Hi heidibat,<br/><br/>If you provide the details of your loan request on here, you may be able to get more feedback from the community.&nbsp; Since everyone does not have access to viewing loan requests, it would be helpful if you provided your loan amount, down payment, estimated credit score, loan program you are seeking, etc.&nbsp; <br/><br/>Thank you for using Zillow to shop for mortgage quotes.<br/><br/>Jeany<br \><br \>0 replies Mon, 29 Aug 2011 22:39:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-MYCWRHC/413639/ 2011-08-29T22:39:00Z what can i do to improved my credit I am interest in buying very soon who would help http://www.zillow.com/advice-thread/what-can-i-do-to-improved-my-credit-I-am-interest-in-buying-very-soon-who-would-help/487069/ One Thing that you can do is pay off credit cards.&nbsp; If you have a lot of debt, it will decrease the amount that you can borrow.&nbsp; Also, you can request your credit report.&nbsp; Don't pay for them.&nbsp; They should be free unless you have recently requested them, but you can get a free one once year, is my understanding.&nbsp; Equifax, Experian, and Transunion are the three.&nbsp; Do a search but stay away from the ones that want you to pay money.&nbsp; When you get them, check to see that the information&nbsp;is accurate.<br/><br/>And you can always contact a bank.&nbsp; I would suggest a local bank or credit union.&nbsp; Go and talk to the mortgage person and I am sure they will be glad to help you out.<br/><br/>Good luck.<br \><br \>0 replies Tue, 09 Apr 2013 17:08:00 GMT http://www.zillow.com/advice-thread/what-can-i-do-to-improved-my-credit-I-am-interest-in-buying-very-soon-who-would-help/487069/ 2013-04-09T17:08:00Z When a lender purchase amotgage from anorther lender is it legal for them to drop a coborrower? http://www.zillow.com/advice-thread/When-a-lender-purchase-amotgage-from-anorther-lender-is-it-legal-for-them-to-drop-a-coborrower/508895/ My second mortgage had three coborrowers another lender bought a while back recently I have been trying to get amodification aned the new lender tells me the loan only shows to borrowers we never signed anything or refinazed how were they able to remove aborrower?<br \><br \>1 reply Wed, 28 Aug 2013 00:23:00 GMT http://www.zillow.com/advice-thread/When-a-lender-purchase-amotgage-from-anorther-lender-is-it-legal-for-them-to-drop-a-coborrower/508895/ 2013-08-28T00:23:00Z What can I do to get more (or better) quotes for my loan request ZR-HCYZCZK http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-HCYZCZK/390461/ <div>@ Clay Branch,<br/><div>-This a Fannie Mae Loan<div>-No MI<div>-The monthly debts figure does not include my current homoe mortgage (the one I am trying to refi)<br/><br/><div>@ Gary Cohen<br/><div>The GFE states "Borrower" at the top right. I erased my personal info for obvious&nbsp;safety&nbsp;concerns.<div>_____________________________________________________________________________________<br/><div><br/>How does zillow work when one is looking to refi their home? I put in all of the needed and submitted a request. Now what?&nbsp;<br/><br/><div>Like I said before, I have all of my information ready in PDF format. I am ready to get the ball rolling. Should I expect a private message from a loan counselor?</div></div></div></div></div></div></div></div></div><br \><br \>0 replies Sat, 12 Mar 2011 18:04:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-HCYZCZK/390461/ 2011-03-12T18:04:00Z Portfolio lenders? http://www.zillow.com/advice-thread/Portfolio-lenders/365726/ Does anybody know of any portfolio lenders active in lending in Massachusetts? I am looking for a lender for a residential mortgage for a primary residence. Thank you, Jeremy<br \><br \>12 replies Fri, 10 Sep 2010 11:59:00 GMT http://www.zillow.com/advice-thread/Portfolio-lenders/365726/ 2010-09-10T11:59:00Z I'm trying to refinance my current mortgage and we are two months behind any advice http://www.zillow.com/advice-thread/I%27m-trying-to-refinance-my-current-mortgage-and-we-are-two-months-behind-any-advice/215764/ 3 replies Thu, 26 Mar 2009 20:46:00 GMT http://www.zillow.com/advice-thread/I%27m-trying-to-refinance-my-current-mortgage-and-we-are-two-months-behind-any-advice/215764/ 2009-03-26T20:46:00Z