Zillow Advice RSS: Question,Buying Process,Albany- NY http://www.zillow.com/advice/Albany-NY/home-buying-buying-process/question/ Zillow Advice search results | Zillow Real Estate Short Sale - are we waiting around for nothing? http://www.zillow.com/advice-thread/Short-Sale-are-we-waiting-around-for-nothing/550593/ Hello,<br/><br/>My husband and I put an offer in on a short sale back in December of 2013. We did a full list price offer, but we are unwilling to pay more than that. We have been told that we are currently in financial and offer review with the lender and that we are close to being done with that. Once that is done it has to go to&nbsp; HUD for final approval. Our question is, how long does the HUD final approval generally take. Having waited 7 months already, what are the chances that this will actually go through? Does having it take longer mean it wont go through. We have come close to pulling our offer completely several times, but have stuck in there each time with a promise of "It is going to go through soon or these things take time."<br \><br \>3 replies Mon, 21 Jul 2014 17:02:00 GMT http://www.zillow.com/advice-thread/Short-Sale-are-we-waiting-around-for-nothing/550593/ 2014-07-21T17:02:00Z Property Taxes listed on Zillow's website? http://www.zillow.com/advice-thread/Property-Taxes-listed-on-Zillow%27s-website/534195/ Do the amounts listed include school taxes?<br \><br \>2 replies Fri, 28 Mar 2014 19:08:00 GMT http://www.zillow.com/advice-thread/Property-Taxes-listed-on-Zillow%27s-website/534195/ 2014-03-28T19:08:00Z Can anyone recommend a good home inspector near Albany, NY? http://www.zillow.com/advice-thread/Can-anyone-recommend-a-good-home-inspector-near-Albany-NY/392486/ I'm looking for someone that is honest, detail-oriented and reasonably priced. Is that too hard to ask for?<br \><br \>3 replies Sun, 27 Mar 2011 11:14:00 GMT http://www.zillow.com/advice-thread/Can-anyone-recommend-a-good-home-inspector-near-Albany-NY/392486/ 2011-03-27T11:14:00Z what are my chances of approval... http://www.zillow.com/advice-thread/what-are-my-chances-of-approval/476033/ Ok, looking to get a 2nd mortgage (50K/20yrs)&nbsp;for an investment property. <br/>Currently I have:<br/><br/>-230K FHA Mortgage with 10% equity in&nbsp;current home<br/>-Cash for 20% down payment plus closing costs (12K)<br/>-Additional reserve assests of (8K)<br/>-DTI of 44<br/>-Credit of 740+<br/>-Three years of landlord experience with rental income on taxes<br/>&nbsp;(current home is two family)<br/><br/>I am really just concerned with the high&nbsp;DTI, but wondering if any professionals think the other positives outlined above could make up for it....Thanks for any feedback.<br/><br/><br \><br \>1 reply Sun, 27 Jan 2013 01:53:00 GMT http://www.zillow.com/advice-thread/what-are-my-chances-of-approval/476033/ 2013-01-27T01:53:00Z questionable mortgage.. community land trust? anyone with input http://www.zillow.com/advice-thread/questionable-mortgage-community-land-trust-anyone-with-input/421560/ 3 replies Wed, 02 Nov 2011 23:54:00 GMT http://www.zillow.com/advice-thread/questionable-mortgage-community-land-trust-anyone-with-input/421560/ 2011-11-02T23:54:00Z What are some questions I can ask the seller at close? http://www.zillow.com/advice-thread/What-are-some-questions-I-can-ask-the-seller-at-close/413961/ <p>Like- What day does the Garbage go out? Do I have keys for the front and back? tool shed? During the winter do I have to cover bushes?&nbsp;First time home buyer, just waiting to close, I am excited and don't want to forget the little things.</p><br \><br \>6 replies Thu, 01 Sep 2011 14:47:00 GMT http://www.zillow.com/advice-thread/What-are-some-questions-I-can-ask-the-seller-at-close/413961/ 2011-09-01T14:47:00Z Is it possible to cancel contract after seller and buyer has agreed on price http://www.zillow.com/advice-thread/Is-it-possible-to-cancel-contract-after-seller-and-buyer-has-agreed-on-price/401838/ 8 replies Sat, 04 Jun 2011 17:36:00 GMT http://www.zillow.com/advice-thread/Is-it-possible-to-cancel-contract-after-seller-and-buyer-has-agreed-on-price/401838/ 2011-06-04T17:36:00Z what is the best strategy to increase my credit score? It is very low. http://www.zillow.com/advice-thread/what-is-the-best-strategy-to-increase-my-credit-score-It-is-very-low/356410/ <p>I am a single mom who recently divorced and finished college. My annual income went from $12,000 to $35,000. I have about $8,000 in credit card debt. My student loans equal $15,000. My credit score is 500 right now. What is the best strategy for increasing my score, and how long will it take?</p><br \><br \>14 replies Sun, 04 Jul 2010 13:33:00 GMT http://www.zillow.com/advice-thread/what-is-the-best-strategy-to-increase-my-credit-score-It-is-very-low/356410/ 2010-07-04T13:33:00Z how after the appraisal in completed will we go to close. http://www.zillow.com/advice-thread/how-after-the-appraisal-in-completed-will-we-go-to-close/378373/ 2 replies Tue, 21 Dec 2010 20:33:00 GMT http://www.zillow.com/advice-thread/how-after-the-appraisal-in-completed-will-we-go-to-close/378373/ 2010-12-21T20:33:00Z seeking a va lender in the albany, ny area http://www.zillow.com/advice-thread/seeking-a-va-lender-in-the-albany-ny-area/375593/ first time home buyer, i do not have my dd214, i have the va helping and plenty of proof of service, i do have an&nbsp;eligibility&nbsp;letter. &nbsp;my credit is in the 600's, am employed but i dont have any down payment. &nbsp;<br/><br/>i have found a reasonable house and would probably pay less of it than i am currently renting. &nbsp;any help with this would be great.<br/><br/><br \><br \>2 replies Sat, 20 Nov 2010 07:38:00 GMT http://www.zillow.com/advice-thread/seeking-a-va-lender-in-the-albany-ny-area/375593/ 2010-11-20T07:38:00Z I would like to have this property on zillow&gt; 584 Madison ave, albany, ny http://www.zillow.com/advice-thread/I-would-like-to-have-this-property-on-zillow-gt-584-Madison-ave-albany-ny/262668/ I am looking for comparables.<br/>thank you,<br/>Anthony<br \><br \>2 replies Thu, 30 Jul 2009 21:07:00 GMT http://www.zillow.com/advice-thread/I-would-like-to-have-this-property-on-zillow-gt-584-Madison-ave-albany-ny/262668/ 2009-07-30T21:07:00Z I have a Pre-approved VA loan. Why must I pay an appraisal fee? http://www.zillow.com/advice-thread/I-have-a-Pre-approved-VA-loan-Why-must-I-pay-an-appraisal-fee/253453/ My <a href="http://www.zillow.com/mortgage/">loan</a> officer called and said that I need to bring a check for $500 to have an appraisal done. She said that her bank would subtract this amount from any closing costs due at closing day. I am confused because she listed the $500 appraisal fee as a closing cost on the GFE, and under the VA, closing costs are not required to be paid.<br \><br \>2 replies Tue, 07 Jul 2009 01:01:00 GMT http://www.zillow.com/advice-thread/I-have-a-Pre-approved-VA-loan-Why-must-I-pay-an-appraisal-fee/253453/ 2009-07-07T01:01:00Z what is a good faith estimate? http://www.zillow.com/advice-thread/what-is-a-good-faith-estimate/252335/ I am a first-time buyer and would like to know the purpose of a good faith estimate.<br \><br \>2 replies Fri, 03 Jul 2009 01:16:00 GMT http://www.zillow.com/advice-thread/what-is-a-good-faith-estimate/252335/ 2009-07-03T01:16:00Z