Zillow Advice RSS: Question-Discussion-Guide,FHA and VA Loans,NV http://www.zillow.com/advice/NV/mortgage-fha-and-va-loans/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Home loan for credit score around 600 http://www.zillow.com/advice-thread/Home-loan-for-credit-score-around-600/550839/ we are looking to buy a mobile home set on a foundation and are looking for a loan in Reno Nevada that we can get with a credit score of 600. can anyone help us find a good place to go&gt;<br \><br \>4 replies Wed, 23 Jul 2014 02:44:00 GMT http://www.zillow.com/advice-thread/Home-loan-for-credit-score-around-600/550839/ 2014-07-23T02:44:00Z VA loan with bad credit and spouse loan modification http://www.zillow.com/advice-thread/VA-loan-with-bad-credit-and-spouse-loan-modification/524305/ Can I get a VA loan with my spouse having a loan modification? &nbsp;I have done alot of research and have talked to a couple companies about VA loans...but I seem to get different answers. &nbsp;I am a disabled veteran trying to get a VA loan. &nbsp;I did make mistakes in the past which resulted in a foreclosure and many other bad accounts ect that ruined my credit. &nbsp;Today its around 600....and I know the minimum score for a VA loan is 620. &nbsp;The good part is that my foreclosure and other bad credit is due to come off in the next couple months since it has been 7yrs which hopefully should take my score up to 620. &nbsp;The problem I have been running into is my spouse. &nbsp;I was just recently married and my spouse has not so good credit as well. before we got married, she also did a loan modification on the home that she has. &nbsp;During the process, she was told to not make payments, to show that there is a hardship. &nbsp;So now she has all these late payments on her credit which killed her score. &nbsp;I was told that we have to wait 2yrs because of the loan modification and that I cant get a VA loan by myself since I am in a community state. &nbsp;I dont think I would want my spouse on the loan since she has another property which would put us at a higher DTI and cant use her income since most of it comes from tips. &nbsp; Seems like I cant get a break anywhere. &nbsp;Any help would be great. &nbsp;<br \><br \>7 replies Mon, 13 Jan 2014 17:44:00 GMT http://www.zillow.com/advice-thread/VA-loan-with-bad-credit-and-spouse-loan-modification/524305/ 2014-01-13T17:44:00Z can i get an fha loan with median fico of 623? http://www.zillow.com/advice-thread/can-i-get-an-fha-loan-with-median-fico-of-623/541366/ My fico scores are 598,623 and 635. Can I get an fha loan with those scores? I make around 2200 per month and am looking to get into something no more than 125,000. Trying to keep payments at 900/month at most. I have no debt besides 300/month student loans and 400 car payment that the ex wife pays and has receipts showing she makes all the payments. Also, I was told if I do 5% down I get a better rate than 3.5%? Any truth to that? So is this somewhat possible or would I just be waisting a lenders/Realtors time?<br \><br \>10 replies Sun, 18 May 2014 21:47:00 GMT http://www.zillow.com/advice-thread/can-i-get-an-fha-loan-with-median-fico-of-623/541366/ 2014-05-18T21:47:00Z Can a buyer purchase an REO sold as is property that is missing all appliances, with an FHA loan? http://www.zillow.com/advice-thread/Can-a-buyer-purchase-an-REO-sold-as-is-property-that-is-missing-all-appliances-with-an-FHA-loan/539681/ 8 replies Wed, 07 May 2014 15:32:00 GMT http://www.zillow.com/advice-thread/Can-a-buyer-purchase-an-REO-sold-as-is-property-that-is-missing-all-appliances-with-an-FHA-loan/539681/ 2014-05-07T15:32:00Z Does VA have a title seasoning requirement on a cash out refi? http://www.zillow.com/advice-thread/Does-VA-have-a-title-seasoning-requirement-on-a-cash-out-refi/538668/ I did a short sale 2 years ago. At the time I was able to get into another property via my Mother.The mortgage is in her name only. I went onto title in August of 2013. I would like to get the loan in my name only and pull a little cash out to do some improvements. My LTV is about 65% all other compensating factors are solid as well. My question is will VA allow me to do a cash out refi being on title for only 8 months?<br \><br \>8 replies Wed, 30 Apr 2014 14:17:00 GMT http://www.zillow.com/advice-thread/Does-VA-have-a-title-seasoning-requirement-on-a-cash-out-refi/538668/ 2014-04-30T14:17:00Z Is it possible to buy a home with 10% down. http://www.zillow.com/advice-thread/Is-it-possible-to-buy-a-home-with-10-down/500281/ 6 replies Thu, 04 Jul 2013 07:12:00 GMT http://www.zillow.com/advice-thread/Is-it-possible-to-buy-a-home-with-10-down/500281/ 2013-07-04T07:12:00Z What is the average rate for a VA LOAN??? http://www.zillow.com/advice-thread/What-is-the-average-rate-for-a-VA-LOAN/526083/ I am a disabled Veteran with a &nbsp;score over 620, what rate and closing cost would I be looking at? &nbsp;What would be the best rate for a VA loan? Can I negociate anything at all? &nbsp;I just want to make sure I am getting a good deal! &nbsp;Any help would be great. &nbsp;Thanks &nbsp;<br \><br \>14 replies Mon, 27 Jan 2014 16:53:00 GMT http://www.zillow.com/advice-thread/What-is-the-average-rate-for-a-VA-LOAN/526083/ 2014-01-27T16:53:00Z how to qualify http://www.zillow.com/advice-thread/how-to-qualify/527187/ 3 replies Tue, 04 Feb 2014 23:50:00 GMT http://www.zillow.com/advice-thread/how-to-qualify/527187/ 2014-02-04T23:50:00Z LAS VEGAS! are there any good lenders in Las Vegas that do a VA loan with bad credit? http://www.zillow.com/advice-thread/LAS-VEGAS-are-there-any-good-lenders-in-Las-Vegas-that-do-a-VA-loan-with-bad-credit/524448/ I am a disabled veteran looking to do a VA loan. &nbsp;I keep getting different answers on my situation...some good info...some not so good! &nbsp;I dont know which way to turn. &nbsp;Is there any local lenders in Las Vegas that know what they are doing that can help. &nbsp;Thanks<br \><br \>5 replies Tue, 14 Jan 2014 17:50:00 GMT http://www.zillow.com/advice-thread/LAS-VEGAS-are-there-any-good-lenders-in-Las-Vegas-that-do-a-VA-loan-with-bad-credit/524448/ 2014-01-14T17:50:00Z Is there a period of time that must elapse before a person can file for his/her second bankruptcy? http://www.zillow.com/advice-thread/Is-there-a-period-of-time-that-must-elapse-before-a-person-can-file-for-his-her-second-bankruptcy/194490/ 4 replies Sun, 01 Feb 2009 02:08:00 GMT http://www.zillow.com/advice-thread/Is-there-a-period-of-time-that-must-elapse-before-a-person-can-file-for-his-her-second-bankruptcy/194490/ 2009-02-01T02:08:00Z Can I get a VA loan with less than a 620 credit score? http://www.zillow.com/advice-thread/Can-I-get-a-VA-loan-with-less-than-a-620-credit-score/523765/ I am a disabled veteran that has bad credit from the past. &nbsp;I have tried to get my credit score up and try other options to get a VA loan with no help or denied every which way. &nbsp;Are there any Lenders in Las Vegas that can help or anyone for that matter!!! &nbsp;Any help would be greatly appreciated.&nbsp;<br \><br \>10 replies Wed, 08 Jan 2014 18:53:00 GMT http://www.zillow.com/advice-thread/Can-I-get-a-VA-loan-with-less-than-a-620-credit-score/523765/ 2014-01-08T18:53:00Z Buying in Fernley http://www.zillow.com/advice-thread/Buying-in-Fernley/517060/ We are looking to buy in Fernley, Nevada. I have a credit score of 689. We have a foreclosure and Bankruptcy for two years. I am &nbsp;a disabled Vet . We have solid income and want to move out of California. We own a home with my father . He is suddenly getting married again at 88. We will have a hard time getting our money out of him. So can I get a VA loan to buy a house in the $150 to $180 &nbsp; We have income of $4767.00 per mo with out go of less than $700.... Thanx JD in Elk Grove<br \><br \>4 replies Mon, 28 Oct 2013 21:10:00 GMT http://www.zillow.com/advice-thread/Buying-in-Fernley/517060/ 2013-10-28T21:10:00Z VA STREAMLINE REFINANCE IRRRL http://www.zillow.com/advice-thread/VA-STREAMLINE-REFINANCE-IRRRL/464789/ <div class="comment-body rich-content clearfix"><p>know of any lenders that can Streamline my exsisting 5% VA mortgage. Im looking for no appraisal fee. my lender is currently GMAC and my house is valued at 90k and i owe 130k. excellent credit score.</p></div><br \><br \>1 reply Fri, 19 Oct 2012 02:14:00 GMT http://www.zillow.com/advice-thread/VA-STREAMLINE-REFINANCE-IRRRL/464789/ 2012-10-19T02:14:00Z VA IRRRL http://www.zillow.com/advice-thread/VA-IRRRL/441655/ I took out a 30yr Fixed VA loan back in 2009 at 6.125% in Nevada. I'm looking to refinance and reduce my interest rate with an IRRRL. The trouble is, I have no idea what I'm looking for in comparing offers amongst lenders.<br/><br/>I aim to pay as little out of pocket as possible and would prefer not to add TOO much to the principal balance though it is not a requirement.<br/><br/>Any help would be appreciated!<br \><br \>3 replies Sun, 06 May 2012 02:41:00 GMT http://www.zillow.com/advice-thread/VA-IRRRL/441655/ 2012-05-06T02:41:00Z I have a 577 credit score my co buyer has a 799 score and a home loan, can we qualify for a FHA loan http://www.zillow.com/advice-thread/I-have-a-577-credit-score-my-co-buyer-has-a-799-score-and-a-home-loan-can-we-qualify-for-a-FHA-loan/483431/ 4 replies Mon, 18 Mar 2013 01:31:00 GMT http://www.zillow.com/advice-thread/I-have-a-577-credit-score-my-co-buyer-has-a-799-score-and-a-home-loan-can-we-qualify-for-a-FHA-loan/483431/ 2013-03-18T01:31:00Z Can I Take equity out of a home if I just bought it with an FHA Loan? http://www.zillow.com/advice-thread/Can-I-Take-equity-out-of-a-home-if-I-just-bought-it-with-an-FHA-Loan/472015/ <p>Can I Take equity out on a home if I just bought it with an FHA Loan?</p><br \><br \>7 replies Sun, 23 Dec 2012 08:04:00 GMT http://www.zillow.com/advice-thread/Can-I-Take-equity-out-of-a-home-if-I-just-bought-it-with-an-FHA-Loan/472015/ 2012-12-23T08:04:00Z I was told by one lender today that you must wait 4 years to apply for a VA loan after a short sale. http://www.zillow.com/advice-thread/I-was-told-by-one-lender-today-that-you-must-wait-4-years-to-apply-for-a-VA-loan-after-a-short-sale/480795/ 3 replies Fri, 01 Mar 2013 00:40:00 GMT http://www.zillow.com/advice-thread/I-was-told-by-one-lender-today-that-you-must-wait-4-years-to-apply-for-a-VA-loan-after-a-short-sale/480795/ 2013-03-01T00:40:00Z Streamline Refinancing to lower my interest - with no closing costs? http://www.zillow.com/advice-thread/Streamline-Refinancing-to-lower-my-interest-with-no-closing-costs/478493/ My lender offered me an FHA Streamline Refinancing to lower my interest with no closing costs - they said the closing costs will be covered by lender rebates, but&nbsp;I haven't been able to find any info on those rebates (we are not switching lenders, this is being offere to us by our current lender), everything I've read says that there always is some sort of cost for the homeowners. Has any one heard of a streamline refi with no closing cost to the homeowner? or is this a too-good-to-be-true thing?&nbsp;<br \><br \>6 replies Wed, 13 Feb 2013 19:15:00 GMT http://www.zillow.com/advice-thread/Streamline-Refinancing-to-lower-my-interest-with-no-closing-costs/478493/ 2013-02-13T19:15:00Z Why does the wifes credit matter for a VA loan? I have low income and a bad credit score but my futr http://www.zillow.com/advice-thread/Why-does-the-wifes-credit-matter-for-a-VA-loan-I-have-low-income-and-a-bad-credit-score-but-my-futr/473752/ 3 replies Wed, 09 Jan 2013 18:19:00 GMT http://www.zillow.com/advice-thread/Why-does-the-wifes-credit-matter-for-a-VA-loan-I-have-low-income-and-a-bad-credit-score-but-my-futr/473752/ 2013-01-09T18:19:00Z Getting a 2nd FHA loan. http://www.zillow.com/advice-thread/Getting-a-2nd-FHA-loan/468195/ I'm a co-borrower on my first house. My brother and I purchased this house in 09, and since then, he's gotten married and now has 2 kids. I'm 23, and while im happy as is, it isn't really an ideal living situation for a 23 year old. Does my situation allow me to get a second FHA loan?<br \><br \>2 replies Mon, 12 Nov 2012 03:37:00 GMT http://www.zillow.com/advice-thread/Getting-a-2nd-FHA-loan/468195/ 2012-11-12T03:37:00Z