Zillow Advice RSS: Question-Discussion-Guide,Buying Process,CT http://www.zillow.com/advice/CT/home-buying-buying-process/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate First Time Home Buyers http://www.zillow.com/advice-thread/First-Time-Home-Buyers/556420/ My husband and I are first time home buyers and are in the process of reducing debt (VERY close to being debt free), saving etc. We are looking to start applying for financing early in the new year, but our credit is kind of low and might still be when we start applying. Any advice for us, given our situation?<br \><br \>7 replies Mon, 25 Aug 2014 16:28:00 GMT http://www.zillow.com/advice-thread/First-Time-Home-Buyers/556420/ 2014-08-25T16:28:00Z Can I get my deposit back after inspection shows major repairs. http://www.zillow.com/advice-thread/Can-I-get-my-deposit-back-after-inspection-shows-major-repairs/555837/ Seller agreed to do minor concessions, still leaving electrical repairs, replacement of a roof, etc. we asked for more and Seller refused. Just need to know if I get my deposit back if I do not accept concessions<br \><br \>6 replies Thu, 21 Aug 2014 18:45:00 GMT http://www.zillow.com/advice-thread/Can-I-get-my-deposit-back-after-inspection-shows-major-repairs/555837/ 2014-08-21T18:45:00Z How much should I bid? http://www.zillow.com/advice-thread/How-much-should-I-bid/555393/ I am interested in a home listed by the seller (not a foreclosure or short sale) it is 75k. Should I meet or go over listing price? I have tried to get other homes before and I keep getting out bid at the last minute. The advantage of this&nbsp; one is it features a first look program so I am hoping to move fast with the best bid. Thanks for your help<br \><br \>4 replies Tue, 19 Aug 2014 03:58:00 GMT http://www.zillow.com/advice-thread/How-much-should-I-bid/555393/ 2014-08-19T03:58:00Z We have a low credit score but thinking of buying a home http://www.zillow.com/advice-thread/We-have-a-low-credit-score-but-thinking-of-buying-a-home/553847/ Hello,<br/><br/>First of all thank you for the people who share knowledge here. I know nothing about real estate and now I got a basic idea on how things work by reading Q&amp;As here.<br/><br/>I have a low credit score(&lt;600) and My wife has a credit score of 620-635. We both are employed and make $80k each per year and have been working for the same employer for the past 4 years. We live in stamford, ct and we are thinking to buy a home, beacuse we are spending lot of money renting a not so decent apartment. But, The loan approval is highly unlikely it seems basing on what I read online. Due to this, we did not even approach any agent till date.&nbsp;<br/><br/>I would like to know whether my wife has a good chance of approval for a home loan basing on the information I provided. We might be able to put a down payment of 5% and we are looking at homes priced under $250k in and around stamford, CT or Trumbull, CT.<br/><br/>Any responses/suggestions are highly appreciated. Thank you.<br \><br \>7 replies Fri, 08 Aug 2014 20:31:00 GMT http://www.zillow.com/advice-thread/We-have-a-low-credit-score-but-thinking-of-buying-a-home/553847/ 2014-08-08T20:31:00Z Can a spouse be listed on the deed/title but not on the mortgage? http://www.zillow.com/advice-thread/Can-a-spouse-be-listed-on-the-deed-title-but-not-on-the-mortgage/504626/ My husband and I are&nbsp;&nbsp;closing on a home located in CT. The mortgage will be in his name but the title/deed will be in both our names. Can we do this? If so, how?<br \><br \>6 replies Wed, 31 Jul 2013 20:32:00 GMT http://www.zillow.com/advice-thread/Can-a-spouse-be-listed-on-the-deed-title-but-not-on-the-mortgage/504626/ 2013-07-31T20:32:00Z If I have a VA loan, can I buy a house with no money down? http://www.zillow.com/advice-thread/If-I-have-a-VA-loan-can-I-buy-a-house-with-no-money-down/526358/ Also, is there a way of getting around having to pay the insurance and taxes up front in order to buy the house?&nbsp; Can I have the seller pay them?&nbsp;<br \><br \>9 replies Wed, 29 Jan 2014 16:53:00 GMT http://www.zillow.com/advice-thread/If-I-have-a-VA-loan-can-I-buy-a-house-with-no-money-down/526358/ 2014-01-29T16:53:00Z where can i find a listing of comp sales? http://www.zillow.com/advice-thread/where-can-i-find-a-listing-of-comp-sales/544252/ 3 replies Thu, 05 Jun 2014 19:18:00 GMT http://www.zillow.com/advice-thread/where-can-i-find-a-listing-of-comp-sales/544252/ 2014-06-05T19:18:00Z Looking for advice regarding how to find a great buyer's agent... http://www.zillow.com/advice-thread/Looking-for-advice-regarding-how-to-find-a-great-buyer%27s-agent/543818/ I am wondering if anyone can offer tips on how to find a great buyer's agent.&nbsp; I will be moving from the Washington D.C. area to the Mystic, CT area.&nbsp; I have a substantial down payment and have already received my mortgage pre-approval letter.&nbsp; <br/><br/>I am ready to find an agent and begin looking at properties.&nbsp; <br/><br/>My concerns stem from the fact that I will have limited time to be in CT to see the properties and want to be sure to find an agent who will handle that well.&nbsp; <br/><br/>Is it appropriate to interview an agent and ask for a couple references from their recent clients?&nbsp; I have been advised to do so by others. The real estate agents I have worked with in the past have been friends or family members so this has not been an issue.&nbsp; <br/><br/>It is my understanding that in CT a buyer is required to sign an "agency exclusive agreement" in order to be shown properties represented by realtors other than their own.&nbsp; Please correct me if I am wrong.&nbsp; If that is correct, finding a great agent is obviously even more important.&nbsp; <br/><br/>Thank you in advance for any help/answers.&nbsp;&nbsp;<br \><br \>2 replies Tue, 03 Jun 2014 07:34:00 GMT http://www.zillow.com/advice-thread/Looking-for-advice-regarding-how-to-find-a-great-buyer%27s-agent/543818/ 2014-06-03T07:34:00Z First Time Home Buyer http://www.zillow.com/advice-thread/First-Time-Home-Buyer/535808/ Hi!<br/><br/>I am overwhelmed at beginning the process of possibly purchasing a home. I am 32 years old and have good credit and HATE the idea of renting since it's throwing away money. I would love to purchase a condo in the Westville area. Are there breaks for first time home buyers? Can it be worked that principal, interest, insurance, and taxes are rolled into one easy payment? Where do I begin?<br/><br/>Thanks so much!<br \><br \>6 replies Wed, 09 Apr 2014 19:23:00 GMT http://www.zillow.com/advice-thread/First-Time-Home-Buyer/535808/ 2014-04-09T19:23:00Z Does USDA bend on location at all? http://www.zillow.com/advice-thread/Does-USDA-bend-on-location-at-all/534315/ I want to buy a property that is in a small town, less than 25,000 people, but it shows up as ineligible for USDA by their map on their website. However, the property itself literally sits on the eligible/ineligible line. &nbsp;50 yards up the road and it would be eligible. Does anyone know is USDA ever bends and allows some properties to be considered eligible in a case like this?<br \><br \>5 replies Sat, 29 Mar 2014 18:45:00 GMT http://www.zillow.com/advice-thread/Does-USDA-bend-on-location-at-all/534315/ 2014-03-29T18:45:00Z Are there any tax credits for first time home buyers in the state of Connecticut (2013)? http://www.zillow.com/advice-thread/Are-there-any-tax-credits-for-first-time-home-buyers-in-the-state-of-Connecticut-2013/531080/ 2 replies Wed, 05 Mar 2014 20:50:00 GMT http://www.zillow.com/advice-thread/Are-there-any-tax-credits-for-first-time-home-buyers-in-the-state-of-Connecticut-2013/531080/ 2014-03-05T20:50:00Z Should we do a leaseback when buying our first home? http://www.zillow.com/advice-thread/Should-we-do-a-leaseback-when-buying-our-first-home/530655/ My husband and I found our dream home, but the sellers cannot be out of the house until the end of May. &nbsp;They want to close early and leaseback for 2 months until their new home is ready. &nbsp;I'm worried about the risks of them trashing the house, not paying rent, or refusing to vacate if the purchase of their new home falls through. &nbsp;Any advice?<br \><br \>3 replies Mon, 03 Mar 2014 02:48:00 GMT http://www.zillow.com/advice-thread/Should-we-do-a-leaseback-when-buying-our-first-home/530655/ 2014-03-03T02:48:00Z what is the difference between PUD and condo?what is the pro and con for PUD? http://www.zillow.com/advice-thread/what-is-the-difference-between-PUD-and-condo-what-is-the-pro-and-con-for-PUD/527913/ 4 replies Mon, 10 Feb 2014 13:13:00 GMT http://www.zillow.com/advice-thread/what-is-the-difference-between-PUD-and-condo-what-is-the-pro-and-con-for-PUD/527913/ 2014-02-10T13:13:00Z (Moved): What can I do to get more (or better) quotes for my loan request ZR-QDTMYSN? http://www.zillow.com/advice-thread/Moved-What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-QDTMYSN/527886/ This discussion has been moved to the following location: <a href="http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-QDTMYSN/527882/">http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-QDTMYSN/527882/</a><br \><br \>0 replies Mon, 10 Feb 2014 04:49:00 GMT http://www.zillow.com/advice-thread/Moved-What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-QDTMYSN/527886/ 2014-02-10T04:49:00Z looking to buy first time home, credit score in the low 600's and no down payment-where to start? http://www.zillow.com/advice-thread/looking-to-buy-first-time-home-credit-score-in-the-low-600%27s-and-no-down-payment-where-to-start/524452/ 8 replies Tue, 14 Jan 2014 18:01:00 GMT http://www.zillow.com/advice-thread/looking-to-buy-first-time-home-credit-score-in-the-low-600%27s-and-no-down-payment-where-to-start/524452/ 2014-01-14T18:01:00Z New multi family construction http://www.zillow.com/advice-thread/New-multi-family-construction/527199/ I'm interested in purchasing a building lot and&nbsp;building 4 unit multi family housing&nbsp;for veterans.&nbsp; I have excellent credit and excellent work history.&nbsp; I plan on doing some of the work myself to keep the cost down.&nbsp;I would like to buy a large lot an add&nbsp;buildings&nbsp;when able.&nbsp;&nbsp;I'm estimating 200k for the land and each 4 unit building approximately 250K. My questions are: What kind of down payment would be required? Are there any special financing for this type of project?&nbsp; Thanks.<br \><br \>1 reply Wed, 05 Feb 2014 01:40:00 GMT http://www.zillow.com/advice-thread/New-multi-family-construction/527199/ 2014-02-05T01:40:00Z How much is the cost per Sq foot in east hampton CT? http://www.zillow.com/advice-thread/How-much-is-the-cost-per-Sq-foot-in-east-hampton-CT/526994/ I want to know if the house is 1680sq if it is worth the price we offered.<br \><br \>2 replies Mon, 03 Feb 2014 17:31:00 GMT http://www.zillow.com/advice-thread/How-much-is-the-cost-per-Sq-foot-in-east-hampton-CT/526994/ 2014-02-03T17:31:00Z Condo vs Single fam home in our income range http://www.zillow.com/advice-thread/Condo-vs-Single-fam-home-in-our-income-range/520495/ Hey everyone! we will be in the market next year (spring.summer. 2014) and were looking at very specific cities in our state of CT. For someone with gross income just shy under 75K as a family, will a condo or a single family home be a better bet. Plus we also want to factor in life events like adding a child to the family and such. Need some sound advice on what could we afford.<br \><br \>9 replies Sun, 01 Dec 2013 17:35:00 GMT http://www.zillow.com/advice-thread/Condo-vs-Single-fam-home-in-our-income-range/520495/ 2013-12-01T17:35:00Z First Time Home Buyer http://www.zillow.com/advice-thread/First-Time-Home-Buyer/521056/ Hi All,<br/>I'm a first time home buyer and i'm confused about real estate agent.I have looked at Remax Agents/Coldwell agents ..Do i have to go by the company or individual real estate agent or the agents with out affliation to any big companies are better<br/><br/>I would appreciate if someone experienced would give some advice<br/><br \><br \>15 replies Sat, 07 Dec 2013 15:13:00 GMT http://www.zillow.com/advice-thread/First-Time-Home-Buyer/521056/ 2013-12-07T15:13:00Z Found termites during home inspection. What shall we do? http://www.zillow.com/advice-thread/Found-termites-during-home-inspection-What-shall-we-do/522880/ <p>The inspector found termites in the garage. He did not check the structural beams as they were covered by the wall. The sellers are supposed to get the termites taken care of, but will this affect the resale value anyway? Should we revise our offer or ask for more credits in addition to the repair cost since it says no termites in the disclosure. We gave our offer based on the disclosure, but obviously the disclosure didn't tell the truth. Any inputs are welcome. Thank you very much!</p><br \><br \>7 replies Tue, 31 Dec 2013 09:11:00 GMT http://www.zillow.com/advice-thread/Found-termites-during-home-inspection-What-shall-we-do/522880/ 2013-12-31T09:11:00Z