Zillow Advice RSS: Question-Discussion-Guide,FHA and VA Loans,SC http://www.zillow.com/advice/SC/mortgage-fha-and-va-loans/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate VA loan w/ double wide manufactured home and land combo ?! http://www.zillow.com/advice-thread/VA-loan-w-double-wide-manufactured-home-and-land-combo/536479/ I am trying to get this done soon. I have the land i want and the double wide i want. I hope someone can help me with this.<br \><br \>7 replies Tue, 15 Apr 2014 04:34:00 GMT http://www.zillow.com/advice-thread/VA-loan-w-double-wide-manufactured-home-and-land-combo/536479/ 2014-04-15T04:34:00Z fha contractor isnt doing a good job http://www.zillow.com/advice-thread/fha-contractor-isnt-doing-a-good-job/541755/ I just got a FHA 203K streamline loam. &nbsp;We have closed and contractor has begun work. &nbsp;The work he has done doesn't look very good and I feel he is dong stuff wrong. &nbsp;The HUD inspector will not inspect the property early unless i pay another fee. &nbsp;We were told he was using subcontractors for certain jobs, but he isn't...hes doing all the work himself. &nbsp;I didn't sign a 30 year contract for crap work. &nbsp;What are my options? &nbsp;If i have to fire him, what does that mean for the whole loan, id have to get a different contractor, a different quote for material and labor. &nbsp;How does this alter the loan agreement? &nbsp;I signed based on what i was told he could do. &nbsp;If i have to go with someone else for a lot more money, i don't want the house and will not pay 1 payment.<br \><br \>3 replies Wed, 21 May 2014 01:30:00 GMT http://www.zillow.com/advice-thread/fha-contractor-isnt-doing-a-good-job/541755/ 2014-05-21T01:30:00Z manufactured financing in Myrtle Beach area http://www.zillow.com/advice-thread/manufactured-financing-in-Myrtle-Beach-area/530797/ We actually have a contract on a 2000 manufactured on one acre near Myrtle Beach SC. We want to go 100% VA. Decent (but blemished) scores around 680. Looking for someone we can trust. Considered USAA but their fees were almost criminal. We need a lender!<br \><br \>4 replies Mon, 03 Mar 2014 23:20:00 GMT http://www.zillow.com/advice-thread/manufactured-financing-in-Myrtle-Beach-area/530797/ 2014-03-03T23:20:00Z Conventional (80/20) to VA refinance http://www.zillow.com/advice-thread/Conventional-80-20-to-VA-refinance/439266/ I know the VA will guarnatee 100% but I'm being told most banks only approve up to 90% LTV. Are there lenders out there that would go the whole 100%? I'm not sure what my house would appaise for and I really need to refinance from my 6.5%/7.99% 80/20 conventional loan to a decent VA loan. My monthly payment would drop from $1140 to around $700 or so.<br \><br \>16 replies Mon, 16 Apr 2012 21:36:00 GMT http://www.zillow.com/advice-thread/Conventional-80-20-to-VA-refinance/439266/ 2012-04-16T21:36:00Z Getting a VA loan less than 2 years after short sale? http://www.zillow.com/advice-thread/Getting-a-VA-loan-less-than-2-years-after-short-sale/488272/ I have received conflicting answers to securing a VA loan after a short sale, some say two years while others say less under certain circumstances. We were forced to sell our 2 story Florida condo because my wife could no longer climb stairs. We a free of that mortgage and moved to South Carolina. NOTE: We were current on mortgage at time of short sale. Our credit scores range from 640-680+ and we have had more than 140 consecutive months of on-time payments to creditors. However, our debt to income ratio is about 75% due in part to upgrades we made on our condo (which we no longer own) and the cost of a major move. Combined we are in excess of $60K income, pay approximately $1300 in rent and know our mortgage payments would be dramatically less with a mortgage. The house we live in can be bought from the owner. I am a disabled veteran, my wife is on permanent disability and the house we live in would be the perfect property for us. Can this happen?<br \><br \>21 replies Tue, 16 Apr 2013 22:26:00 GMT http://www.zillow.com/advice-thread/Getting-a-VA-loan-less-than-2-years-after-short-sale/488272/ 2013-04-16T22:26:00Z Is it Possible to get a VA loan with poor credit Greenville, SC? http://www.zillow.com/advice-thread/Is-it-Possible-to-get-a-VA-loan-with-poor-credit-Greenville-SC/536546/ My Husband is active duty military.&nbsp; Served one year in Afghanistan.&nbsp; He and I are planning to move back to Greenville, SC in July.&nbsp; We would like a home to move into there instead of wasting money renting.&nbsp; We have been working on fixing our credit for months and as the July deadline is approaching we are getting really anxious.&nbsp; My credit score is mid 600's and I just checked our Quizzle Credit Monitoring account and my Husbands is 598.&nbsp; I have checked with a few lenders and no one will accept a credit score under 620 and state both parties credit must be over that 620 mark.&nbsp; Whats frustrating is there isn't anything else I can do to help his score go up.&nbsp; We have paid off all his debts and even opened up a new credit card and auto loan to get him some revolving credit.&nbsp; It went up, but not enough.&nbsp; Are we doomed to wasting money and renting until it "hopefully" goes up or is there any credit service who will work with us?&nbsp; We even have proof that in 2 years our rent has never been late (unfortunately it does not show up on a credit report).&nbsp; I am just frustrated and saddened by the thought of having to rent some more.&nbsp; Advice anyone?<br \><br \>5 replies Tue, 15 Apr 2014 17:03:00 GMT http://www.zillow.com/advice-thread/Is-it-Possible-to-get-a-VA-loan-with-poor-credit-Greenville-SC/536546/ 2014-04-15T17:03:00Z pre-qualified for VA loan but worried about a couple things.. http://www.zillow.com/advice-thread/pre-qualified-for-VA-loan-but-worried-about-a-couple-things/530396/ <p>I was just pre-qualified with Veterans United for 204K and received all of the paperwork for pre-approval today. &nbsp; I am concerned about underwriting and anticipate it will be a difficult process. &nbsp; I want to know if I even have shot at surviving based on my circumstances. &nbsp; &nbsp;My credit scores were: Experian:697, Equifax: 703 and Transunion 742. &nbsp;First, is Veterans United well known and can I shop around, for example look at mortgage broker or local bank as well? &nbsp; Will this hurt my credit? I know that in underwriting, my employment will be verified several times. &nbsp; I have a really great job as a personal chef, but I work for someone who is very old and and may not live another 3 or 4 years. &nbsp;I am not self-employed and when the underwriter verifies employment, he/she will be speaking to the personal manager of the person I cook for. &nbsp;I have been working this job several years and I have been in the food industry for many years (25). But &nbsp;I wonder if this will come into play in the employment verification and end my mortgage application in denial.&nbsp;</p><br/><br/><br \><br \>4 replies Fri, 28 Feb 2014 21:49:00 GMT http://www.zillow.com/advice-thread/pre-qualified-for-VA-loan-but-worried-about-a-couple-things/530396/ 2014-02-28T21:49:00Z how can my mom get a VA loan with a 580 credit score? http://www.zillow.com/advice-thread/how-can-my-mom-get-a-VA-loan-with-a-580-credit-score/524635/ my mom is trying to get a va loan and refinance our house to pay off our debt so we can focus on getting things back to normal after my fathers death. is there anyone that can help us or knows someone who can? thank you&nbsp;<br \><br \>5 replies Wed, 15 Jan 2014 22:14:00 GMT http://www.zillow.com/advice-thread/how-can-my-mom-get-a-VA-loan-with-a-580-credit-score/524635/ 2014-01-15T22:14:00Z Disabled vet with DTI issues http://www.zillow.com/advice-thread/Disabled-vet-with-DTI-issues/526095/ I have a service connected disability (60%) and a Vietnam veteran who has never used his VA Loan benefit. My credit score hovers around 700 and have not missed a payment to any of my creditors in more than a decade. I had to short sale my home two years ago because of medical reasons and was never late on that either. I moved to a different state and we don't seem to have an issue with lenders with the short sale, but the move cost us a small fortune. We have worked on knocking down our debt, consolidated a lot of it at dramatically lower interest rates, unfortunately the only road block seems to be our DTI. My wife and I pay $1300 for rent and the house we nearly purchased would have knocked $450 off that but our overall DTI squashed the deal. We are responsible people with a track record of good behavior, credit wise, but lenders don't seem to take that into consideration. My question is, is there any program out there that would help a disabled vet with a disabled wife with guaranteed income get a VA Loan? Thanks.<br \><br \>8 replies Mon, 27 Jan 2014 18:02:00 GMT http://www.zillow.com/advice-thread/Disabled-vet-with-DTI-issues/526095/ 2014-01-27T18:02:00Z I'm tying to get my va loan ,how much do you think it would be for first timers. I want a 3 bdrm ,2b http://www.zillow.com/advice-thread/I%27m-tying-to-get-my-va-loan-how-much-do-you-think-it-would-be-for-first-timers-I-want-a-3-bdrm-2b/515930/ I just want to know about va loans ,how long will it take for the certificate to get back<br \><br \>6 replies Sat, 19 Oct 2013 23:52:00 GMT http://www.zillow.com/advice-thread/I%27m-tying-to-get-my-va-loan-how-much-do-you-think-it-would-be-for-first-timers-I-want-a-3-bdrm-2b/515930/ 2013-10-19T23:52:00Z Can I refinance my FHA loan with a conventional loan? http://www.zillow.com/advice-thread/Can-I-refinance-my-FHA-loan-with-a-conventional-loan/490484/ I've lived in my primary residence for three years and although my interest rate is still less than 4%, I was wondering if I could refinance with a conventional loan so I don't have to pay MIP anymore.<br \><br \>12 replies Thu, 02 May 2013 01:07:00 GMT http://www.zillow.com/advice-thread/Can-I-refinance-my-FHA-loan-with-a-conventional-loan/490484/ 2013-05-02T01:07:00Z Are there any FHA lenders in Charleston, SC are that approves credit scores of 592? http://www.zillow.com/advice-thread/Are-there-any-FHA-lenders-in-Charleston-SC-are-that-approves-credit-scores-of-592/470990/ 4 replies Tue, 11 Dec 2012 07:19:00 GMT http://www.zillow.com/advice-thread/Are-there-any-FHA-lenders-in-Charleston-SC-are-that-approves-credit-scores-of-592/470990/ 2012-12-11T07:19:00Z Can someone have two FHA mortgages? http://www.zillow.com/advice-thread/Can-someone-have-two-FHA-mortgages/490483/ I have a FHA mortgage on my primary residence that I have lived in for three years. My husband and I want to rent our home (condo) and purchase another home. Can we qualify for another FHA loan? We would prefer to only have to pay 3.5% down payment.<br \><br \>6 replies Thu, 02 May 2013 01:03:00 GMT http://www.zillow.com/advice-thread/Can-someone-have-two-FHA-mortgages/490483/ 2013-05-02T01:03:00Z I currently have a VA loan on my existing home. I retired from the Military 2 years ago and also re http://www.zillow.com/advice-thread/I-currently-have-a-VA-loan-on-my-existing-home-I-retired-from-the-Military-2-years-ago-and-also-re/500342/ 1 reply Thu, 04 Jul 2013 19:20:00 GMT http://www.zillow.com/advice-thread/I-currently-have-a-VA-loan-on-my-existing-home-I-retired-from-the-Military-2-years-ago-and-also-re/500342/ 2013-07-04T19:20:00Z FHA Mortgage with 600 median score http://www.zillow.com/advice-thread/FHA-Mortgage-with-600-median-score/495039/ I have been working for months to get my scores up as high as possible. Trouble is I have come across a home that is perfect for us (4br/3ba + lots of square footage) on the foreclosure market for a price that I will not be able to get on conventional sales. &nbsp;My scores were on the way up, TU 628; EQ 597 and EX 604 with another small bump expected on June 6th (paid off two credit cards). Is there a lender in SC that will approve FHA with those scores that anyone knows of? I really don't want to apply over and over, we all know what that does to your scores. &nbsp;thanks<br \><br \>2 replies Sun, 02 Jun 2013 16:53:00 GMT http://www.zillow.com/advice-thread/FHA-Mortgage-with-600-median-score/495039/ 2013-06-02T16:53:00Z As of June I'll be out of chaper 7 a year I have one 638 credit score one 668 will I still be able t http://www.zillow.com/advice-thread/As-of-June-I%27ll-be-out-of-chaper-7-a-year-I-have-one-638-credit-score-one-668-will-I-still-be-able-t/490829/ 4 replies Sat, 04 May 2013 19:03:00 GMT http://www.zillow.com/advice-thread/As-of-June-I%27ll-be-out-of-chaper-7-a-year-I-have-one-638-credit-score-one-668-will-I-still-be-able-t/490829/ 2013-05-04T19:03:00Z Pre-approved for FHA loan before June 3 and close house in July will MIP drop off? http://www.zillow.com/advice-thread/Pre-approved-for-FHA-loan-before-June-3-and-close-house-in-July-will-MIP-drop-off/487423/ If I got pre-approved for a house in May, but did not close on the house till end of July would the mortgage insurance premium still drop once the 78% loan to value ratio is met? I ask this question because I know changes are going into place after June 3 for FHA loans. Thanks!<br \><br \>2 replies Thu, 11 Apr 2013 15:11:00 GMT http://www.zillow.com/advice-thread/Pre-approved-for-FHA-loan-before-June-3-and-close-house-in-July-will-MIP-drop-off/487423/ 2013-04-11T15:11:00Z What can I do to get more (or better) quotes for my loan request ZR-LRDPMQW? http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-LRDPMQW/475895/ 3 replies Fri, 25 Jan 2013 22:28:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-LRDPMQW/475895/ 2013-01-25T22:28:00Z How long do I have to wait to refinance my house after pulling it off the market? http://www.zillow.com/advice-thread/How-long-do-I-have-to-wait-to-refinance-my-house-after-pulling-it-off-the-market/469330/ My house was listed for 3 months before my wife and I decided we wanted to stay instead of moving. It has now been off the market for 3 months. I want to do a VA loan, do they have different restrictions if involved?<br \><br \>3 replies Sat, 24 Nov 2012 01:58:00 GMT http://www.zillow.com/advice-thread/How-long-do-I-have-to-wait-to-refinance-my-house-after-pulling-it-off-the-market/469330/ 2012-11-24T01:58:00Z How far am I from ever being financed? http://www.zillow.com/advice-thread/How-far-am-I-from-ever-being-financed/459051/ <p>This is almost too shameful to type. But heres the facts:I have many late/chargeoffs on my credit report. I went 2 yrs without paying on my CC at all. Just started negotiating w/ credits to start repaying. In 2010, I did a short sale. My first mortgage was paid in full, second mortgage is what didnt get their full balance. I am self employed. I have consistently earned 120K+ for the past 2 years. I have 5K for a downpayment. My credit scores are all in the 550 range. Would I qualify for ANY mortgage right now? Even if it were terrible terms, I can refi down the road once I build my credit back up..&nbsp; I dont even know if I could use my VA loan again? This would be the 3rd time. I did NOT short sale on my VA loan, as that was my first mortgage that was paid in full. Any suggestions?</p><br \><br \>5 replies Fri, 07 Sep 2012 23:17:00 GMT http://www.zillow.com/advice-thread/How-far-am-I-from-ever-being-financed/459051/ 2012-09-07T23:17:00Z