Zillow Advice RSS: Question-Discussion-Guide,Buying a Foreclosure,OH http://www.zillow.com/advice/OH/home-buying-buying-a-foreclosure/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Utility Bill after home closing http://www.zillow.com/advice-thread/Utility-Bill-after-home-closing/549375/ I bought a Fannie Mae home on 5/28. Today I get a notice advising that there is a $410.31 unpaid sewer charge and that it will be collected with the real estate taxes in August.&nbsp;With the loan through Fannie Mae, there was a paper noting that any unpaid sewer charges are not part of the title insurance (based on the fact you don't know until it happens). But it doesn't state who's responsibility it becomes.Is it worth going to Fannie Mae over, or how is this usually handled?&nbsp;<br/>&nbsp;<br/>&nbsp;<br/>&nbsp;&nbsp;<br \><br \>0 replies Sat, 12 Jul 2014 02:49:00 GMT http://www.zillow.com/advice-thread/Utility-Bill-after-home-closing/549375/ 2014-07-12T02:49:00Z REO Property Information http://www.zillow.com/advice-thread/REO-Property-Information/548849/ <p align="left">My wife and I are currently in the market for a new home. This past weekend we came across a home we both fell in love with.&nbsp; However, the home is owned by US Bank and is being sold as part of the Wells Fargo REO Program. So, here comes the fun part... After viewing the home and falling in love with it, our real estate agent began asking the listing agent questions.&nbsp; The listing agent said that the previous owners left the water running on the second floor, when they left the home.&nbsp; The second floor was flooded, and as a result came falling down to ground level.&nbsp; The real estate agent said everything was replaced and the entire second floor was redone.&nbsp; When asked who did the work, the real estate agent said "Home Depot."&nbsp;&nbsp;However, upon checking with Home Depot they do not do all the work that was needed to repair this home. My wife and I have a lot more questions!&nbsp; However, we are finding it almost impossible to get any answers.&nbsp; Our main concern is the structural integrity of the home, as well as health concerns due to possible mold from the flooding. What is the procedure when the bank has to make repairs like this? Do they have to make sure the home is repaired and brought back to code?&nbsp; Do they have to ensure that the property is free of mold?&nbsp; Before submitting an offer all homebuyers have to sign an owner-occupant addendum, stating that you will occupy this property within 30days after closing and remain in the property for at least 1 year.&nbsp;Can they make homebuyers go through this if the house is not structurally sound or mold issues? Finally, we understand that the bank is exempt from disclosing certain information.&nbsp; However, are they exempt from disclosing major repairs and mold?</p><br \><br \>2 replies Tue, 08 Jul 2014 12:22:00 GMT http://www.zillow.com/advice-thread/REO-Property-Information/548849/ 2014-07-08T12:22:00Z Who do you contact about a house that has been foreclosed on to make an offer to purchase it? http://www.zillow.com/advice-thread/Who-do-you-contact-about-a-house-that-has-been-foreclosed-on-to-make-an-offer-to-purchase-it/546481/ 1 reply Sat, 21 Jun 2014 12:44:00 GMT http://www.zillow.com/advice-thread/Who-do-you-contact-about-a-house-that-has-been-foreclosed-on-to-make-an-offer-to-purchase-it/546481/ 2014-06-21T12:44:00Z NAME OF REALTOR http://www.zillow.com/advice-thread/NAME-OF-REALTOR/545041/ WHICH AGENT IS HANDLING&nbsp; PROPERTY #35165279?<br \><br \>4 replies Wed, 11 Jun 2014 14:13:00 GMT http://www.zillow.com/advice-thread/NAME-OF-REALTOR/545041/ 2014-06-11T14:13:00Z If a house has been bought back from the bank but not yet for sale, is it possible to purchase? http://www.zillow.com/advice-thread/If-a-house-has-been-bought-back-from-the-bank-but-not-yet-for-sale-is-it-possible-to-purchase/540661/ Hi! I live in Cincinnati and am in the market to buy a home for myself. I found one I really like that was foreclosed &nbsp;and the bank bought back on 2/6/14. &nbsp;The auditor's page now has the owner listed as Citigroup in Missouri. &nbsp;Can I contact them directly or is this something that I should find a good realtor to do?? &nbsp;Thanks so much for any help anyone can offer!!!<br/>Nichole<br \><br \>4 replies Wed, 14 May 2014 01:31:00 GMT http://www.zillow.com/advice-thread/If-a-house-has-been-bought-back-from-the-bank-but-not-yet-for-sale-is-it-possible-to-purchase/540661/ 2014-05-14T01:31:00Z How would I go about buying a home that has been listed for a trustee sale? http://www.zillow.com/advice-thread/How-would-I-go-about-buying-a-home-that-has-been-listed-for-a-trustee-sale/544229/ I've had my eye on a condo that was just listed for a trustee sale.&nbsp; Is there a way to make an offer on the condo before the sale?<br \><br \>1 reply Thu, 05 Jun 2014 16:17:00 GMT http://www.zillow.com/advice-thread/How-would-I-go-about-buying-a-home-that-has-been-listed-for-a-trustee-sale/544229/ 2014-06-05T16:17:00Z Are forclosures and short sales automatically denied for some GVMT (VA, FHA, etc.)loans? http://www.zillow.com/advice-thread/Are-forclosures-and-short-sales-automatically-denied-for-some-GVMT-VA-FHA-etc-loans/541631/ I live in Southwest Ohio and have been looking for a house for the last couple of months, I am using a VA loan option for the purchase, and I have noticed that there are some forclosures that become listed that would fit most of my 'wish list' for my home. They never seem to be available for a VA laon though. So should I even look at shorts or forclosures for a VA loan or not? And what can I do to find out if they are compatable with VA?<br \><br \>6 replies Tue, 20 May 2014 13:30:00 GMT http://www.zillow.com/advice-thread/Are-forclosures-and-short-sales-automatically-denied-for-some-GVMT-VA-FHA-etc-loans/541631/ 2014-05-20T13:30:00Z Is the house at 2518 so. 9th st. Ironton, Ohio for sale? http://www.zillow.com/advice-thread/Is-the-house-at-2518-so-9th-st-Ironton-Ohio-for-sale/543044/ Is the house at 2518 so. 9th st. Ironton, Ohio for sale? What I read wasn't quite clear. It was in foreclosure but said J.P. Morgan loaned money. What does that mean? I'm selling our house as is and I think we need an agent.<br \><br \>1 reply Thu, 29 May 2014 05:43:00 GMT http://www.zillow.com/advice-thread/Is-the-house-at-2518-so-9th-st-Ironton-Ohio-for-sale/543044/ 2014-05-29T05:43:00Z who should pay for home inspection? http://www.zillow.com/advice-thread/who-should-pay-for-home-inspection/473908/ 5 replies Thu, 10 Jan 2013 19:11:00 GMT http://www.zillow.com/advice-thread/who-should-pay-for-home-inspection/473908/ 2013-01-10T19:11:00Z I, gate an one home email from zillo & I am entereste how?d with the home. Then whom do I contact & http://www.zillow.com/advice-thread/I-gate-an-one-home-email-from-zillo-I-am-entereste-how-d-with-the-home-Then-whom-do-I-contact/539137/ 1 reply Sat, 03 May 2014 19:33:00 GMT http://www.zillow.com/advice-thread/I-gate-an-one-home-email-from-zillo-I-am-entereste-how-d-with-the-home-Then-whom-do-I-contact/539137/ 2014-05-03T19:33:00Z Do I need an agent to buy a foreclosure? http://www.zillow.com/advice-thread/Do-I-need-an-agent-to-buy-a-foreclosure/493603/ 5 replies Thu, 23 May 2013 19:02:00 GMT http://www.zillow.com/advice-thread/Do-I-need-an-agent-to-buy-a-foreclosure/493603/ 2013-05-23T19:02:00Z where does the pre-forclosure information come from when you send notices? http://www.zillow.com/advice-thread/where-does-the-pre-forclosure-information-come-from-when-you-send-notices/469498/ <strong><div class="h1">where do you get this information from, so i can see more detail when you send an email that says:<br/>This property is in pre-foreclosure</div></strong><p>Public records data indicate the owner of this property is in pre-foreclosure.</p><br \><br \>3 replies Mon, 26 Nov 2012 14:08:00 GMT http://www.zillow.com/advice-thread/where-does-the-pre-forclosure-information-come-from-when-you-send-notices/469498/ 2012-11-26T14:08:00Z hello first time buyer here http://www.zillow.com/advice-thread/hello-first-time-buyer-here/477793/ 7 replies Fri, 08 Feb 2013 08:12:00 GMT http://www.zillow.com/advice-thread/hello-first-time-buyer-here/477793/ 2013-02-08T08:12:00Z I am having a discussion regarding REO and FannieMae as it relates to performing my due diligence? http://www.zillow.com/advice-thread/I-am-having-a-discussion-regarding-REO-and-FannieMae-as-it-relates-to-performing-my-due-diligence/487944/ I say it is permissible to get a home inspection prior to making an offer; others say no.&nbsp; I say it is not breaking any laws etc.<br \><br \>5 replies Mon, 15 Apr 2013 00:15:00 GMT http://www.zillow.com/advice-thread/I-am-having-a-discussion-regarding-REO-and-FannieMae-as-it-relates-to-performing-my-due-diligence/487944/ 2013-04-15T00:15:00Z can I buy a hous that has been forclosured on but it have not been but up for sale and if i can http://www.zillow.com/advice-thread/can-I-buy-a-hous-that-has-been-forclosured-on-but-it-have-not-been-but-up-for-sale-and-if-i-can/536502/ how can I ?<br \><br \>2 replies Tue, 15 Apr 2014 12:57:00 GMT http://www.zillow.com/advice-thread/can-I-buy-a-hous-that-has-been-forclosured-on-but-it-have-not-been-but-up-for-sale-and-if-i-can/536502/ 2014-04-15T12:57:00Z How do I get a foreclosed home?? http://www.zillow.com/advice-thread/How-do-I-get-a-foreclosed-home/537369/ I've been seeing condos foreclosed in my area and I'm looking to upgrade...how do I go about buying a foreclosed home?<br \><br \>5 replies Mon, 21 Apr 2014 19:30:00 GMT http://www.zillow.com/advice-thread/How-do-I-get-a-foreclosed-home/537369/ 2014-04-21T19:30:00Z how can i buy these i see that is listed http://www.zillow.com/advice-thread/how-can-i-buy-these-i-see-that-is-listed/536363/ 2 replies Mon, 14 Apr 2014 13:13:00 GMT http://www.zillow.com/advice-thread/how-can-i-buy-these-i-see-that-is-listed/536363/ 2014-04-14T13:13:00Z Freddie Mac/repossessed home, can't buy unless an investor? http://www.zillow.com/advice-thread/Freddie-Mac-repossessed-home-can%27t-buy-unless-an-investor/532495/ Have a home currently(looking to sell after a few repairs), good credit, able to afford both payments at once. The one we are looking to buy is repossessed but is under freddie mac 1st look initiative. Was told we could only purchase as an investor, yet as I understand the freddie mac deal you can buy so long as its your primary residence(which it would be).&nbsp;<br \><br \>4 replies Sun, 16 Mar 2014 02:41:00 GMT http://www.zillow.com/advice-thread/Freddie-Mac-repossessed-home-can%27t-buy-unless-an-investor/532495/ 2014-03-16T02:41:00Z As I was foreclosed upon due to my husband's death from cancer. Is there any loan agency that will f http://www.zillow.com/advice-thread/As-I-was-foreclosed-upon-due-to-my-husband%27s-death-from-cancer-Is-there-any-loan-agency-that-will-f/531982/ 2 replies Wed, 12 Mar 2014 12:48:00 GMT http://www.zillow.com/advice-thread/As-I-was-foreclosed-upon-due-to-my-husband%27s-death-from-cancer-Is-there-any-loan-agency-that-will-f/531982/ 2014-03-12T12:48:00Z What can I do to get more (or better) quotes for my loan request ZR-LGDFCZX? http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-LGDFCZX/531604/ Trying to buy a home but credit rating is not that great, good job employed for 16 years<br \><br \>1 reply Sun, 09 Mar 2014 19:25:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-LGDFCZX/531604/ 2014-03-09T19:25:00Z