Zillow Advice RSS: Question-Discussion-Guide,Buying Process,Louisville- KY http://www.zillow.com/advice/Louisville-KY/home-buying-buying-process/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate home loan while self employed http://www.zillow.com/advice-thread/home-loan-while-self-employed/521750/ Can I get a home loan with only a 2 year income history of $3,685? I am self employed but don't make a set monthly income. My husband is active duty military and I'm a stay at home mom. However, he has a poor credit score and I have a near perfect credit score. We don't qualify for a home loan because of his score so I wanted to know if I would qualify for a home loan. T.I.A.!<br \><br \>4 replies Mon, 16 Dec 2013 16:53:00 GMT http://www.zillow.com/advice-thread/home-loan-while-self-employed/521750/ 2013-12-16T16:53:00Z (Moved): I am on disablity and a fixed income with a bad credit score is there a lender for me http://www.zillow.com/advice-thread/Moved-I-am-on-disablity-and-a-fixed-income-with-a-bad-credit-score-is-there-a-lender-for-me/541070/ This discussion has been moved to the following location: <a href="http://www.zillow.com/advice-thread/I-am-on-disablity-and-a-fixed-income-with-a-bad-credit-score-is-there-a-lender-for-me/541069/">http://www.zillow.com/advice-thread/I-am-on-disablity-and-a-fixed-income-with-a-bad-credit-score-is-there-a-lender-for-me/541069/</a><br \><br \>0 replies Fri, 16 May 2014 18:06:00 GMT http://www.zillow.com/advice-thread/Moved-I-am-on-disablity-and-a-fixed-income-with-a-bad-credit-score-is-there-a-lender-for-me/541070/ 2014-05-16T18:06:00Z Is seller obligated to fix roof and furnace after inspection? http://www.zillow.com/advice-thread/Is-seller-obligated-to-fix-roof-and-furnace-after-inspection/522224/ I am a first time buyer. I agreed on a price with the seller that is 7% below the asking price. After the house inspection, the inspector said the HVAC and roof need further inspection by specialists. The sellers are refusing to have them inspected by HVAC and roof specialists. If I get them inspected and there are issues with them, are the sellers obligated to fix them? If I were to sell the house after 4-5 years, will adding a new roof and furnace increase the value? Thanks.<br \><br \>14 replies Sun, 22 Dec 2013 01:21:00 GMT http://www.zillow.com/advice-thread/Is-seller-obligated-to-fix-roof-and-furnace-after-inspection/522224/ 2013-12-22T01:21:00Z How can your REALTOR help you when it comes to finance?! http://www.zillow.com/advice-thread/How-can-your-REALTOR-help-you-when-it-comes-to-finance/518845/ As a REALTOR I have a lot of contacts in my industry. I am always there to help when possible by sharing those.<br/><br/>A question or buyers or potential/future buyers; do you prefer your REALTOR to suggest loan/finance service providers to you, or would you prefer to seek on your own?<br/><br/>I look forward to reading your responses!<br/><br/>Michael Thacker<br/>REALTOR<br/>Louisville, KY<br \><br \>8 replies Wed, 13 Nov 2013 12:51:00 GMT http://www.zillow.com/advice-thread/How-can-your-REALTOR-help-you-when-it-comes-to-finance/518845/ 2013-11-13T12:51:00Z Are you taking full advantage of visiting Sunday open houses? http://www.zillow.com/advice-thread/Are-you-taking-full-advantage-of-visiting-Sunday-open-houses/513562/ Excellent low key way to see what is out there.&nbsp;<br \><br \>4 replies Mon, 30 Sep 2013 18:02:00 GMT http://www.zillow.com/advice-thread/Are-you-taking-full-advantage-of-visiting-Sunday-open-houses/513562/ 2013-09-30T18:02:00Z Have you noticed that loan interest rates have slowly decreased in the last couple of weeks? http://www.zillow.com/advice-thread/Have-you-noticed-that-loan-interest-rates-have-slowly-decreased-in-the-last-couple-of-weeks/513560/ <p>Buy or list now!</p><br \><br \>3 replies Mon, 30 Sep 2013 17:59:00 GMT http://www.zillow.com/advice-thread/Have-you-noticed-that-loan-interest-rates-have-slowly-decreased-in-the-last-couple-of-weeks/513560/ 2013-09-30T17:59:00Z Is it possible to buy a house with NO MONEY DOWN and NO MONEY DUE AT CLOSING? Loans?? http://www.zillow.com/advice-thread/Is-it-possible-to-buy-a-house-with-NO-MONEY-DOWN-and-NO-MONEY-DUE-AT-CLOSING-Loans/189153/ Could we wrap all cost of home and closing costs and taxes into our home loan?&nbsp; Is that possible?<br/><br/>We will be buying a small home that is just to get us through the next 4.5 years until we move out of the area.<br \><br \>10 replies Fri, 16 Jan 2009 21:47:00 GMT http://www.zillow.com/advice-thread/Is-it-possible-to-buy-a-house-with-NO-MONEY-DOWN-and-NO-MONEY-DUE-AT-CLOSING-Loans/189153/ 2009-01-16T21:47:00Z What is a "real realtor? Would you like to work with one? http://www.zillow.com/advice-thread/What-is-a-real-realtor-Would-you-like-to-work-with-one/513565/ 5 replies Mon, 30 Sep 2013 18:05:00 GMT http://www.zillow.com/advice-thread/What-is-a-real-realtor-Would-you-like-to-work-with-one/513565/ 2013-09-30T18:05:00Z Can a seller refuse to let the home inspector view the electrical panel? http://www.zillow.com/advice-thread/Can-a-seller-refuse-to-let-the-home-inspector-view-the-electrical-panel/492440/ <p>The seller (whom still lives in the home) has been pretty difficult about allowing a proper home inspection.&nbsp; He completely ran off the first inspector we hired because he said 2 hours for an inspection seemed to long and started an arguement.&nbsp; The second inspector he allowed, but&nbsp;during inspection&nbsp;he wouldn't let the inspector open the electrical panel.&nbsp; There was no evident reason (i.e. no water present) but the seller stated that only a "licensed electrician" could have access to the panel and that he didn't want to be liable if the inspector was electrocuted.&nbsp; He even went so far as to ask the inspector to show him workmen's comp papers.&nbsp; This seems like a huge red flag to me.&nbsp; I wasn't present at this point in the inspection otherwise I would have been insisting otherwise.&nbsp; We've since had an additional inspection of the furnace by an HVAC professional&nbsp;(which has some issues) who found that things had been rewired to bypass saftey shut-offs (the pilot light was all over the place).&nbsp; I'm now left wondering what else the seller, who re-modeled the house himself, has rewired or cobbled in order to save some money or bypass saftey regulations.&nbsp; Can we ask for an inspection that includes the electrical panel at the cost of the seller, since he refused the state's inspection access?&nbsp; Our inspector was also unable to gain access to the attic because the seller's remodeling made the only point of entry the small exterior vents, which strikes me as a problem because we have no way to see the interior shape of the roof, where the fans inside vent to, etc.&nbsp; Is it typical to be unable to inspect an attic?</p><br \><br \>15 replies Wed, 15 May 2013 16:53:00 GMT http://www.zillow.com/advice-thread/Can-a-seller-refuse-to-let-the-home-inspector-view-the-electrical-panel/492440/ 2013-05-15T16:53:00Z WoW, there is an Realtor in Louisville whose goal is to call you within 3 minutes of your Z request? http://www.zillow.com/advice-thread/WoW-there-is-an-Realtor-in-Louisville-whose-goal-is-to-call-you-within-3-minutes-of-your-Z-request/455131/ <em>[self promotion deleted by Zillow moderator.&nbsp; Please see our Good Neighbor Policy for posting guidelines]</em><br \><br \>4 replies Sun, 12 Aug 2012 00:09:00 GMT http://www.zillow.com/advice-thread/WoW-there-is-an-Realtor-in-Louisville-whose-goal-is-to-call-you-within-3-minutes-of-your-Z-request/455131/ 2012-08-12T00:09:00Z Do the buyers in Louisville realize the housing market has excitingly changed? http://www.zillow.com/advice-thread/Do-the-buyers-in-Louisville-realize-the-housing-market-has-excitingly-changed/450865/ <p>Sales are up 30+% from last year at this time. Why? Interest rates in 3.5% range, lowest on record. Buyers have outgrown their current houses!&nbsp; Also, listings have decreased almost 25% in the last few monthe, drastically cutting housing inventories. The next 3 months will be the best deal for both buyers and those who want to sell their existing home. Heed this call!&nbsp;&nbsp;My thanks for listening.</p><br \><br \>0 replies Fri, 13 Jul 2012 16:28:00 GMT http://www.zillow.com/advice-thread/Do-the-buyers-in-Louisville-realize-the-housing-market-has-excitingly-changed/450865/ 2012-07-13T16:28:00Z What a surprise today with the large increase in January jobs. Good sign for housing? http://www.zillow.com/advice-thread/What-a-surprise-today-with-the-large-increase-in-January-jobs-Good-sign-for-housing/430870/ 4 replies Fri, 03 Feb 2012 21:48:00 GMT http://www.zillow.com/advice-thread/What-a-surprise-today-with-the-large-increase-in-January-jobs-Good-sign-for-housing/430870/ 2012-02-03T21:48:00Z Want to participate in nonsense poll for Louisville Ky home buyers. Use Zillow? Trulia? Winner Is? http://www.zillow.com/advice-thread/Want-to-participate-in-nonsense-poll-for-Louisville-Ky-home-buyers-Use-Zillow-Trulia-Winner-Is/430146/ Also include semonin.com and realtor.com for local folks? Looking forward to the results. Pick now!!<br \><br \>9 replies Fri, 27 Jan 2012 23:32:00 GMT http://www.zillow.com/advice-thread/Want-to-participate-in-nonsense-poll-for-Louisville-Ky-home-buyers-Use-Zillow-Trulia-Winner-Is/430146/ 2012-01-27T23:32:00Z What issues are preventing buyers from buying their home in early 2012? http://www.zillow.com/advice-thread/What-issues-are-preventing-buyers-from-buying-their-home-in-early-2012/430136/ This question is directed to both buyers and realtors.<br \><br \>3 replies Fri, 27 Jan 2012 22:53:00 GMT http://www.zillow.com/advice-thread/What-issues-are-preventing-buyers-from-buying-their-home-in-early-2012/430136/ 2012-01-27T22:53:00Z Are house prices stabilizing in your area? As a buyer, are you becoming more confident in buying? http://www.zillow.com/advice-thread/Are-house-prices-stabilizing-in-your-area-As-a-buyer-are-you-becoming-more-confident-in-buying/428907/ 2 replies Mon, 16 Jan 2012 04:24:00 GMT http://www.zillow.com/advice-thread/Are-house-prices-stabilizing-in-your-area-As-a-buyer-are-you-becoming-more-confident-in-buying/428907/ 2012-01-16T04:24:00Z What are your fears as a first time home buyer? http://www.zillow.com/advice-thread/What-are-your-fears-as-a-first-time-home-buyer/428527/ My goal is to restore the excitement to buying and keep your&nbsp;fear to a minimum by educating you well on every step and process of home buying.<br \><br \>4 replies Thu, 12 Jan 2012 19:44:00 GMT http://www.zillow.com/advice-thread/What-are-your-fears-as-a-first-time-home-buyer/428527/ 2012-01-12T19:44:00Z What are the factors to keep in mind when determining the monthly payment I can afford? http://www.zillow.com/advice-thread/What-are-the-factors-to-keep-in-mind-when-determining-the-monthly-payment-I-can-afford/427483/ Rule of Thumb ratios? &nbsp;Making sure I have enough for utilities and/or unexpected housing costs.<br \><br \>10 replies Tue, 03 Jan 2012 16:07:00 GMT http://www.zillow.com/advice-thread/What-are-the-factors-to-keep-in-mind-when-determining-the-monthly-payment-I-can-afford/427483/ 2012-01-03T16:07:00Z How long can a home be on the market as a short sale before going into foreclosure? http://www.zillow.com/advice-thread/How-long-can-a-home-be-on-the-market-as-a-short-sale-before-going-into-foreclosure/390614/ Put an offer in on a short sale property. Found out that seller received letter stating property was no longer available for a short sale. They are contacting their lender tomorrow to find out what is going on. Is there still a chance for us to get this property or should we move on and start looking elsewhere?<br \><br \>3 replies Sun, 13 Mar 2011 18:44:00 GMT http://www.zillow.com/advice-thread/How-long-can-a-home-be-on-the-market-as-a-short-sale-before-going-into-foreclosure/390614/ 2011-03-13T18:44:00Z What are the dates pertaining to the non-first time homebuyer $6,500 tax credit? http://www.zillow.com/advice-thread/What-are-the-dates-pertaining-to-the-non-first-time-homebuyer-6-500-tax-credit/295248/ I owned my previous home for 5 years on 7/31/2009.&nbsp;&nbsp;I bought my new home on 8/12/2009.&nbsp; I have a contract on my previous home and want to close by 11/30/2009.&nbsp; Will I qualify for the $6,500 credit?&nbsp; My income is with the guidelines.<br \><br \>2 replies Fri, 06 Nov 2009 21:46:00 GMT http://www.zillow.com/advice-thread/What-are-the-dates-pertaining-to-the-non-first-time-homebuyer-6-500-tax-credit/295248/ 2009-11-06T21:46:00Z Free Home Buyers Extravaganza Louisville Kentucky April7th http://www.zillow.com/advice-thread/Free-Home-Buyers-Extravaganza-Louisville-Kentucky-April7th/214456/ Come find out everything to get you started in your pursuit of the American Dream! Country Inn and Suites on Kentucky Mills Dr. Topics for this months Seminar are $8000$ Tax Credit, Foreclosure purchases, and Qualifying for that loan! Call or email me today for specific details and to get registered! Becky Hanley, EXIT Realty Crutcher <a href="mailto:bhanley@exitrealtycrutcher.com" rel="nofollow">bhanley@exitrealtycrutcher.com</a> or 468-4224<br \><br \>0 replies Tue, 24 Mar 2009 15:04:00 GMT http://www.zillow.com/advice-thread/Free-Home-Buyers-Extravaganza-Louisville-Kentucky-April7th/214456/ 2009-03-24T15:04:00Z