Zillow Advice RSS: Question-Discussion-Guide,Buying Process,CO http://www.zillow.com/advice/CO/home-buying-buying-process/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate If an appraiser makes a clerical error, can I demand a refund of the $690 she charged me? http://www.zillow.com/advice-thread/If-an-appraiser-makes-a-clerical-error-can-I-demand-a-refund-of-the-690-she-charged-me/551864/ On her appraisal report, appraiser Annette Price of Platteville, CO, botched a couple of dates, then left town on vacation for two weeks. The close date has been pushed back twice because of this, causing a chain reaction and costing me lots more money. I feel like she gouged me on the price to begin with, charging $690. For some reason (perhaps she isn't very intelligent) she can't correct the mistake remotely. The house appraised at a value slightly higher than we're paying for it, so her errors are not affecting the appraisal value. Is there any recourse for me? Basically, I'm paying for a service that I'm not happy with. How do I get my money back?<br \><br \>2 replies Mon, 28 Jul 2014 21:04:00 GMT http://www.zillow.com/advice-thread/If-an-appraiser-makes-a-clerical-error-can-I-demand-a-refund-of-the-690-she-charged-me/551864/ 2014-07-28T21:04:00Z Please help - under contract REO property but repairs are not being done under permits http://www.zillow.com/advice-thread/Please-help-under-contract-REO-property-but-repairs-are-not-being-done-under-permits/551643/ I recently signed a P&amp;S agreement for a bank owned property.&nbsp; Upon inspection, we found a lot of significant problems (structure, mold, electrical &amp; plumbing).&nbsp; The bank has agreed to make repairs, they hired a "contractor" and ensured me the permits would be pulled.<br/>Construction has started to repair the roof framing of the attached garage and adjacent breeze way which was converted into a family room.&nbsp; Significant structural issues are being resolved but no permits have been pulled.<br/><br/>I want out of this contract - do not trust that the repairs are being made accordingly to a structural engineering plan, to code or being done by a licensed contractor.<br/><br/>How do I get out now?&nbsp; Property is in unincorporated Jefferson County, Arvada Colorado.<br \><br \>2 replies Sun, 27 Jul 2014 21:29:00 GMT http://www.zillow.com/advice-thread/Please-help-under-contract-REO-property-but-repairs-are-not-being-done-under-permits/551643/ 2014-07-27T21:29:00Z Can Me and my boyfriend apply for a home loan together if he is still married? http://www.zillow.com/advice-thread/Can-Me-and-my-boyfriend-apply-for-a-home-loan-together-if-he-is-still-married/549658/ My boyfriend has been separated from his wife for over two years. He has been working on getting a divorce but the ex keeps dragging it out. We want to buy a house together but I'm wondering if we do, will it be considered one of his assets? Will she have any rights to the house? We have already come up with solutions to protect ourselves but I am worried she may find a way to take a away something that I used MY money for.&nbsp;<br \><br \>5 replies Mon, 14 Jul 2014 21:27:00 GMT http://www.zillow.com/advice-thread/Can-Me-and-my-boyfriend-apply-for-a-home-loan-together-if-he-is-still-married/549658/ 2014-07-14T21:27:00Z To FHA Qualify for a fourplex... http://www.zillow.com/advice-thread/To-FHA-Qualify-for-a-fourplex/549354/ Hi,<br/><br/>I'm wondering,&nbsp;<br/><br/>In order to qualify as an owner occupant in a fourplex without a lot of down (5%) and with a low personal income (25k/yr), do the other three units need to be occupied at the time of the purchase? Or will the lender consider the empty units as income producing even if they are empty at the time of purchase? Does this depend on the lender?<br/><br/>Does this mean I cannot purchase a fourplex where all units are initially full because I cannot immediately occupy the property?<br/><br/>What information do I need to bring to my lender about the rental incomes and vacancy rates in the neighborhood where I want to purchase in order to qualify?<br/><br/>&nbsp;How can I find a lender that deals especially with multifamily properties and fha loans?<br/><br/>Thanks!<br/><br \><br \>0 replies Fri, 11 Jul 2014 22:23:00 GMT http://www.zillow.com/advice-thread/To-FHA-Qualify-for-a-fourplex/549354/ 2014-07-11T22:23:00Z What do I do about homeowner's insurance on a cash purchase of a home in Colorado? http://www.zillow.com/advice-thread/What-do-I-do-about-homeowner%27s-insurance-on-a-cash-purchase-of-a-home-in-Colorado/501823/ <p>I will close Aug. 1.</p><br \><br \>4 replies Sun, 14 Jul 2013 05:00:00 GMT http://www.zillow.com/advice-thread/What-do-I-do-about-homeowner%27s-insurance-on-a-cash-purchase-of-a-home-in-Colorado/501823/ 2013-07-14T05:00:00Z By using Zillow, am I saving the sales commission that would go to the agent? http://www.zillow.com/advice-thread/By-using-Zillow-am-I-saving-the-sales-commission-that-would-go-to-the-agent/548738/ How much is the sales commission on a $200,000 home?<br \><br \>3 replies Mon, 07 Jul 2014 19:23:00 GMT http://www.zillow.com/advice-thread/By-using-Zillow-am-I-saving-the-sales-commission-that-would-go-to-the-agent/548738/ 2014-07-07T19:23:00Z wanting to buy a house http://www.zillow.com/advice-thread/wanting-to-buy-a-house/546986/ I was looking into buying a house for my first time my credit is bot that good. I do believe is just a little under 600. what all do i need to do to get approved for a first time home owner. &nbsp;&nbsp;<br \><br \>5 replies Tue, 24 Jun 2014 20:14:00 GMT http://www.zillow.com/advice-thread/wanting-to-buy-a-house/546986/ 2014-06-24T20:14:00Z How do I contact a make me move owner to make an offer? http://www.zillow.com/advice-thread/How-do-I-contact-a-make-me-move-owner-to-make-an-offer/544418/ 2 replies Fri, 06 Jun 2014 21:13:00 GMT http://www.zillow.com/advice-thread/How-do-I-contact-a-make-me-move-owner-to-make-an-offer/544418/ 2014-06-06T21:13:00Z Do I need a broker or agent when buying a brand new home from a builder? http://www.zillow.com/advice-thread/Do-I-need-a-broker-or-agent-when-buying-a-brand-new-home-from-a-builder/458774/ I'm pretty savvy, and know that i can find the comps and sales prices of nearby homes on the county's tax assesor website. &nbsp;i also understand that the 3% commission is a seller cost for the builder, but I'm the one buying the house, so that's actually me paying the commission.....i feel like if i don't have a realtor, i can negotiate that 3% off my price and save about 50 bucks on my mortgage.... &nbsp;what do you think? &nbsp;should i go in and try to get the deal i want, and if i can't get that deal, go hire a realtor to negotiate for me???? &nbsp;thanks!<br/><br/>on a side note, a friend of mine who just moved into the neighborhood i'm looking at hired a realtor and he basically disappeared after contracting and just showed up at closing. &nbsp;i would want someone who's there for the whole process. &nbsp;<br \><br \>20 replies Thu, 06 Sep 2012 02:21:00 GMT http://www.zillow.com/advice-thread/Do-I-need-a-broker-or-agent-when-buying-a-brand-new-home-from-a-builder/458774/ 2012-09-06T02:21:00Z newly married looking to take the next step and buy a home, not sure what my options are. http://www.zillow.com/advice-thread/newly-married-looking-to-take-the-next-step-and-buy-a-home-not-sure-what-my-options-are/525393/ I am a waiter i make about 45,000 a year and my credit score is around 670, my wife only makes around 16,000 and does have much credit established yet. We are both debt free and have about 10,000 saved for a down payment. I'm not sure if this puts me in a position to buy anything yet, wondering what the next step is and if we would even qualify for a loan? any advice would be amazing<br \><br \>11 replies Wed, 22 Jan 2014 08:24:00 GMT http://www.zillow.com/advice-thread/newly-married-looking-to-take-the-next-step-and-buy-a-home-not-sure-what-my-options-are/525393/ 2014-01-22T08:24:00Z Any tips on building a custom home and working with a builder contractor. How does a person come up http://www.zillow.com/advice-thread/Any-tips-on-building-a-custom-home-and-working-with-a-builder-contractor-How-does-a-person-come-up/484409/ with a cost per sf.&nbsp; Its like dealing with a used car salesman.Any advice<br \><br \>7 replies Sat, 23 Mar 2013 21:03:00 GMT http://www.zillow.com/advice-thread/Any-tips-on-building-a-custom-home-and-working-with-a-builder-contractor-How-does-a-person-come-up/484409/ 2013-03-23T21:03:00Z FHA Loans http://www.zillow.com/advice-thread/FHA-Loans/543242/ <p>Do any of the properties on Zillow take FHA loans?</p><br \><br \>4 replies Fri, 30 May 2014 02:59:00 GMT http://www.zillow.com/advice-thread/FHA-Loans/543242/ 2014-05-30T02:59:00Z What is }Make Me Move" http://www.zillow.com/advice-thread/What-is-Make-Me-Move/543111/ A price of $12,000 is listed under Make Me Move, but don't know what they want.&nbsp;<br \><br \>2 replies Thu, 29 May 2014 14:36:00 GMT http://www.zillow.com/advice-thread/What-is-Make-Me-Move/543111/ 2014-05-29T14:36:00Z some listing read "minimum income requirements apply". http://www.zillow.com/advice-thread/some-listing-read-minimum-income-requirements-apply/541683/ If purchasing a house through ones savings and moving to a city where one isn't employed yet, does this apply?<br \><br \>3 replies Tue, 20 May 2014 17:31:00 GMT http://www.zillow.com/advice-thread/some-listing-read-minimum-income-requirements-apply/541683/ 2014-05-20T17:31:00Z Do I need a real estate agent when buying a new home? http://www.zillow.com/advice-thread/Do-I-need-a-real-estate-agent-when-buying-a-new-home/535958/ 11 replies Thu, 10 Apr 2014 19:46:00 GMT http://www.zillow.com/advice-thread/Do-I-need-a-real-estate-agent-when-buying-a-new-home/535958/ 2014-04-10T19:46:00Z How much should I expect to pay an attorney for handling a real estate contract in Parker, CO? http://www.zillow.com/advice-thread/How-much-should-I-expect-to-pay-an-attorney-for-handling-a-real-estate-contract-in-Parker-CO/488285/ Small, $140,000 mortgage.<br/><br \><br \>1 reply Tue, 16 Apr 2013 23:26:00 GMT http://www.zillow.com/advice-thread/How-much-should-I-expect-to-pay-an-attorney-for-handling-a-real-estate-contract-in-Parker-CO/488285/ 2013-04-16T23:26:00Z Are there any specialized mortgage lender/loans for single parents, with little or no down payment? http://www.zillow.com/advice-thread/Are-there-any-specialized-mortgage-lender-loans-for-single-parents-with-little-or-no-down-payment/531978/ 11 replies Wed, 12 Mar 2014 12:19:00 GMT http://www.zillow.com/advice-thread/Are-there-any-specialized-mortgage-lender-loans-for-single-parents-with-little-or-no-down-payment/531978/ 2014-03-12T12:19:00Z VA New construction loan http://www.zillow.com/advice-thread/VA-New-construction-loan/535410/ Hello,<br/>My husband and I are new home buyers and kind of confused about the new construction loan. I somewhat understand the escrow account but what do we pay each month while the house is being built? Do we owe interest each month? How much will that be? Will I be paying my current rent plus some of my home being built? Its all very confusing for us.<br \><br \>1 reply Mon, 07 Apr 2014 01:10:00 GMT http://www.zillow.com/advice-thread/VA-New-construction-loan/535410/ 2014-04-07T01:10:00Z 1 year taxes for VA home loan http://www.zillow.com/advice-thread/1-year-taxes-for-VA-home-loan/533656/ My husband and I are both vets. We got out in 2011 and went to college until January 2013, in which he found a job and has been there a year. I am disabled and cannot work. Will a lender use a one year tax return? We both pull in income but mine is disability. His schooling helped him get the job. We were using our Gi bill for those 2 years. Our credit is below avg 610 and 664 but our DTI is low. Will a lender consider this?<br \><br \>2 replies Tue, 25 Mar 2014 02:48:00 GMT http://www.zillow.com/advice-thread/1-year-taxes-for-VA-home-loan/533656/ 2014-03-25T02:48:00Z looking for a home with a mother in law apt. or willing to built if can find home. http://www.zillow.com/advice-thread/looking-for-a-home-with-a-mother-in-law-apt-or-willing-to-built-if-can-find-home/533446/ <strong>TRYING TO BUY A NICE HOME IN A NICE NEIGHBOR HOOD WITH CHERRY CREEK SCHOOLS AND A MOTHER IN LAW APT. THE HOME WOULD HAVE TO HAVE 4/5 BD. ROOMS 3 BATHS, GARAGE ATTACHED.<br/>HOW MUCH APPROX. HOW MUCH TO BUILD A M<br/>OTHER IN LAW APT??? THIS IS ONE OF MY MAIN CONCERNS. I'M A RELATIVE TO THE COUPLE WANTING TO BUY THE HOME, I AM THE ONE WHO WOULD PUT THE DOWN PAYMENT. I UNDERSTAND ONE CAN GET ZONED FOR A MOTHER IN LAW APT. I WANT TO KNOW FOR 600 SQ. FT. WHAT MIGHT THE COST BE???<br/>I AM IN A BIND DUE TO THE&nbsp;COUPLE JUST WANTING TO BUY RIGHT NOW, EXCLUDING THE APT. THIS WILL NOT WORK AND THEY WILL HAVE TO WAIT ANOTHER YEAR, IF I'M COVERING THE DOWN. I KNOW THIS HOUSE WOULD BE EXPENSIVE AND I WANT TO KEEP THE COST DOWN.<br/>CAN YOU HELP ME OUT? PLEASE<br/>I MEET WITH THE COUPLE TODAY THIS AFTERNOON AND WOULD LOVE TO HAVE SOME KNOWLEDGE ABOUT THIS SITUATION.<br/>EMAIL IS <a href="mailto:jlm333@yahoo.com" rel="nofollow">jlm333@yahoo.com</a> or # 720-324-6792.<br/>THIS COUPLE HAS 4 CHILDREN AND WANT THEM TO GO TO CHERRY SCHOOL THE PLACE WE BUY JUST NEEDS TO INCLUDE THIS ISSUE.<br/>THANKS, JANA LEIGH<br/></strong><br \><br \>1 reply Sun, 23 Mar 2014 16:46:00 GMT http://www.zillow.com/advice-thread/looking-for-a-home-with-a-mother-in-law-apt-or-willing-to-built-if-can-find-home/533446/ 2014-03-23T16:46:00Z