Zillow Advice RSS: Question-Discussion-Guide,Buying Process,San Francisco- CA http://www.zillow.com/advice/San-Francisco-CA/home-buying-buying-process/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate when can we buy again after our home loan was reinstated after foreclosure http://www.zillow.com/advice-thread/when-can-we-buy-again-after-our-home-loan-was-reinstated-after-foreclosure/611908/ 3 replies Sun, 22 Nov 2015 22:46:00 GMT http://www.zillow.com/advice-thread/when-can-we-buy-again-after-our-home-loan-was-reinstated-after-foreclosure/611908/ 2015-11-22T22:46:00Z what is the relative price offer around 95 garnett ter,san francisco, ca http://www.zillow.com/advice-thread/what-is-the-relative-price-offer-around-95-garnett-ter-san-francisco-ca/599552/ 1 reply Mon, 10 Aug 2015 15:12:00 GMT http://www.zillow.com/advice-thread/what-is-the-relative-price-offer-around-95-garnett-ter-san-francisco-ca/599552/ 2015-08-10T15:12:00Z what is the relative price offer around 95 garnett ter,san francisco, ca http://www.zillow.com/advice-thread/what-is-the-relative-price-offer-around-95-garnett-ter-san-francisco-ca/599552/ 0 replies Mon, 10 Aug 2015 15:12:00 GMT http://www.zillow.com/advice-thread/what-is-the-relative-price-offer-around-95-garnett-ter-san-francisco-ca/599552/ 2015-08-10T15:12:00Z Can me and my brother purchase house together ? http://www.zillow.com/advice-thread/Can-me-and-my-brother-purchase-house-together/596997/ I want to buy a house. Can me and my brother together combine our annual income and show as one single income ? If not, who falls under family income ?<br \><br \>11 replies Thu, 23 Jul 2015 21:33:00 GMT http://www.zillow.com/advice-thread/Can-me-and-my-brother-purchase-house-together/596997/ 2015-07-23T21:33:00Z Can a seller retain the full deposit if loan approval doesn't get approved? http://www.zillow.com/advice-thread/Can-a-seller-retain-the-full-deposit-if-loan-approval-doesn%27t-get-approved/478349/ <p>Hello,<br/><br/>I recently put down a deposit for a house I was interested in. The bank did not approve the loan so when I asked escrow to release the deposit back to me, escrow informed me the seller is refusing to release it because he felt he was led to believe the loan would had been approved. Can a seller retain the full deposit if loan approval doesn't get approved???</p><br \><br \>17 replies Tue, 12 Feb 2013 19:36:00 GMT http://www.zillow.com/advice-thread/Can-a-seller-retain-the-full-deposit-if-loan-approval-doesn%27t-get-approved/478349/ 2013-02-12T19:36:00Z Citizen & Foreigner http://www.zillow.com/advice-thread/Citizen-Foreigner/567111/ Hi, I wanted to know if it's possible for a US citizen to buy a house together with a foreigner? In case is possible, how does it affect mortgage rates? Thank you<br \><br \>5 replies Tue, 18 Nov 2014 19:36:00 GMT http://www.zillow.com/advice-thread/Citizen-Foreigner/567111/ 2014-11-18T19:36:00Z Does the V.A. Amendatory Clause (Escape Clause) really work? http://www.zillow.com/advice-thread/Does-the-V-A-Amendatory-Clause-Escape-Clause-really-work/552366/ I am curious if buyers involved in a transaction are really protected by the V.A.Escape clause. I was told that my deposit is safe no matter what happens. Is that real?&nbsp;<br/>I hope so, it just sounds unrealistic. Does anybody have experience with something going wrong and the buyer getting their deposit back?<br \><br \>1 reply Thu, 31 Jul 2014 05:34:00 GMT http://www.zillow.com/advice-thread/Does-the-V-A-Amendatory-Clause-Escape-Clause-really-work/552366/ 2014-07-31T05:34:00Z Can a seller have their Realtor demand a penalty fee to sign a contract extension? http://www.zillow.com/advice-thread/Can-a-seller-have-their-Realtor-demand-a-penalty-fee-to-sign-a-contract-extension/551900/ We are trying to buy a house. The appraisal was very, very low. It took our bank a few extra days to sort it out (for whatever reason). We have agreed to pay the difference because we really like the house. We are on track to close on time. The listing agent has now threatened that his client will charge us a penalty to sign an extension if we need one. Is this legal? it sounds more like extortion.<br \><br \>5 replies Mon, 28 Jul 2014 23:31:00 GMT http://www.zillow.com/advice-thread/Can-a-seller-have-their-Realtor-demand-a-penalty-fee-to-sign-a-contract-extension/551900/ 2014-07-28T23:31:00Z I have 20% down for a $1MM loan, but the entire down payment will be gifted (family gifted) http://www.zillow.com/advice-thread/I-have-20-down-for-a-1MM-loan-but-the-entire-down-payment-will-be-gifted-family-gifted/557020/ I've heard that a percentage of the money must be seasoned. Is that the case? Also, I don't not have another 9-12 months of payment reserves.<br/><br/>I don't think I can borrow more than 80%, as it puts me out of the necessary D/I requirement.<br/><br/>Also, the house is significantly below market (~20%) . I know lenders want to lend based on the lower of the sales price or the appraisal. Is there anyone that would lend on the appraisal?<br \><br \>6 replies Thu, 28 Aug 2014 20:33:00 GMT http://www.zillow.com/advice-thread/I-have-20-down-for-a-1MM-loan-but-the-entire-down-payment-will-be-gifted-family-gifted/557020/ 2014-08-28T20:33:00Z preapproval for another state http://www.zillow.com/advice-thread/preapproval-for-another-state/554835/ I was told that you cannot get pre-approved if you work in one state but want to relocate to another state without a job in the new state.<br \><br \>2 replies Thu, 14 Aug 2014 19:30:00 GMT http://www.zillow.com/advice-thread/preapproval-for-another-state/554835/ 2014-08-14T19:30:00Z If I release money from escrow to the seller is that money part of what the seller would receive any http://www.zillow.com/advice-thread/If-I-release-money-from-escrow-to-the-seller-is-that-money-part-of-what-the-seller-would-receive-any/553056/ The seller of the house I am buying is claiming to be broke,and suffering financial hardship cause our deal is in overtime. He has asked me to release some funds to him from escrow. Does this money count towards , our deal, my bottom line?<br/>Or I am just giving him money?<br \><br \>1 reply Mon, 04 Aug 2014 22:04:00 GMT http://www.zillow.com/advice-thread/If-I-release-money-from-escrow-to-the-seller-is-that-money-part-of-what-the-seller-would-receive-any/553056/ 2014-08-04T22:04:00Z how do I search for buildings for sale with apartments within to rent? http://www.zillow.com/advice-thread/how-do-I-search-for-buildings-for-sale-with-apartments-within-to-rent/524750/ each apartment supplied with bathroom, kitchen washer dryer etc on amenities.I have serveral areas outside of san francisco california i am interested in.<br \><br \>1 reply Thu, 16 Jan 2014 22:28:00 GMT http://www.zillow.com/advice-thread/how-do-I-search-for-buildings-for-sale-with-apartments-within-to-rent/524750/ 2014-01-16T22:28:00Z Listing agent bought the duplex he listed http://www.zillow.com/advice-thread/Listing-agent-bought-the-duplex-he-listed/515906/ Hi<br/>I put in an offer below the offer price of the top unit of a duplex, allegedly the agent put this to the seller and my offer was declined. I ended up buying the lower unit.<br/>As soon as my offer was accepted the listing agent purchased the top unit (I do not know the price he purchased it for).<br/>This seems unethical to me- how can this be an arms length transaction?<br/>Can someone let me know?<br/>Thanks<br/>sam<br \><br \>7 replies Sat, 19 Oct 2013 20:18:00 GMT http://www.zillow.com/advice-thread/Listing-agent-bought-the-duplex-he-listed/515906/ 2013-10-19T20:18:00Z In CA, Zillow's RE Tax & Insurance Monthly Estimates are Wrong. http://www.zillow.com/advice-thread/In-CA-Zillow%27s-RE-Tax-Insurance-Monthly-Estimates-are-Wrong/492700/ 0 replies Thu, 16 May 2013 23:10:00 GMT http://www.zillow.com/advice-thread/In-CA-Zillow%27s-RE-Tax-Insurance-Monthly-Estimates-are-Wrong/492700/ 2013-05-16T23:10:00Z WHY are Zillow's TAX & INSURANCE Estimates SO WRONG??? http://www.zillow.com/advice-thread/WHY-are-Zillow%27s-TAX-INSURANCE-Estimates-SO-WRONG/492692/ I regularly track 2 CA properties. &nbsp;Zillow's Monthly Estimates of both RE Taxes and Insurance are grossly wrong! &nbsp;Why?<br/>RE TAXES: &nbsp;Zillow's monthly estimates DO NOT REFLECT either CURRENT RE Taxes, NOR the 1% of Valuation (per CA's Prop 13) a buyer would pay!!!!!<br/>"Homeowners' Insurance" &nbsp;Zillow estimates $78/mo for BOTH a $1.5mm AND a $7.7MM home! &nbsp;That's IMPOSSIBLE! &nbsp;Plus "Homeowners" is incorrect and useless. &nbsp;To wit: &nbsp;THREE insurance policies protect our home::: &nbsp;Fire &amp; Casualty (protects the bldg, most expensive!); Homeowners (protects belongings, clothes, furniture...); and Excess Liability. &nbsp;Again, it's IMPOSSIBLE $1.6mm &amp; $7.7mm properties pay the SAME insurance!!! &nbsp;<br/>Zillow's sloppy errors &amp; ignorance is doing many a disservice. &nbsp;You corrected the RE Tax issue once, then slid back.<br/>Why so sloppy, WRONG?<br/><br/><br/><br/><br/><br/><br \><br \>0 replies Thu, 16 May 2013 22:39:00 GMT http://www.zillow.com/advice-thread/WHY-are-Zillow%27s-TAX-INSURANCE-Estimates-SO-WRONG/492692/ 2013-05-16T22:39:00Z WHY are Zillow's RE Tax & Insurance Estimates SO WRONG -- in SF, CA??? http://www.zillow.com/advice-thread/WHY-are-Zillow%27s-RE-Tax-Insurance-Estimates-SO-WRONG-in-SF-CA/491574/ RE Taxes are governed by *constant* CA State Law! But Zillow's RE Tax estimates fluxuate wildly! &nbsp;Why?<br/>-----------<br/>"Homeowners' Insurance??????" &nbsp; HUH?????<br/>We have THREE Insurance policies covering our Bldg/Home: &nbsp;FIRE/CATASTROPHE (most expensive), HOMEOWNERS (protects PERSONAL PROPERTY + some liability), EXTRA LIABILITY. &nbsp;<br/><br/>IOW, Zillow UNDERESTIMATES MONTHLY "Insurance Costs" by ~70%! &nbsp;AND Zillow's MONTHLY RE Tax estimates are WAY OFF and fluctuate!<br/><br/>WHY??? &nbsp;Why are you so bad? &nbsp;Fluctuating? &nbsp;<br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br \><br \>0 replies Thu, 09 May 2013 22:51:00 GMT http://www.zillow.com/advice-thread/WHY-are-Zillow%27s-RE-Tax-Insurance-Estimates-SO-WRONG-in-SF-CA/491574/ 2013-05-09T22:51:00Z Does having Solar installed on your home increase its value? http://www.zillow.com/advice-thread/Does-having-Solar-installed-on-your-home-increase-its-value/477261/ We would to like to hear your opinion on the value of solar panels* on your home. *[hotlink deleted by Zillow moderator. Please see our Good Neighbor Policy for posting guidelines]<br \><br \>9 replies Mon, 04 Feb 2013 20:24:00 GMT http://www.zillow.com/advice-thread/Does-having-Solar-installed-on-your-home-increase-its-value/477261/ 2013-02-04T20:24:00Z For a candian student on F-1 visa is it possible to get a mortgage in US? http://www.zillow.com/advice-thread/For-a-candian-student-on-F-1-visa-is-it-possible-to-get-a-mortgage-in-US/485984/ 2 replies Tue, 02 Apr 2013 19:29:00 GMT http://www.zillow.com/advice-thread/For-a-candian-student-on-F-1-visa-is-it-possible-to-get-a-mortgage-in-US/485984/ 2013-04-02T19:29:00Z WHY? Zillow, your "Monthly Payment" summaries are IMPOSSIBLE! http://www.zillow.com/advice-thread/WHY-Zillow-your-Monthly-Payment-summaries-are-IMPOSSIBLE/483172/ For example: &nbsp;I've been tracking 2 SF properties a) $7 Million; b) $1.6 Million.<br/>* In BOTH cases you list "Homeowners' Insurance" as $78/mo!!!! &nbsp;IMPOSSIBLE, and NOT the point! &nbsp;"Fire/Catastrophe Insurance" IS the point and is MUCH MORE EXPENSIVE that $78/mo!!! &nbsp;Think $000s on $7MM homes!!!<br/>* Ditto RE Taxes! &nbsp;In CA (because of Prop 13), RE Taxes jump HUGELY when appreciated homes are sold. &nbsp;BUT, Zillow's "Monthly Tax - RE Tax" estimates are WHACKED: &nbsp;a) <strong>1st</strong>, they don't jive w/ CURRENT taxes; and, b) 2nd, and <strong><u>most important</u></strong> since Zillow is forcasting&nbsp;monthly costs <strong><u>Zillow's RE Tax Estimates do NOT reflect the HUGE increase in RE Taxes BUYERS will face, given Prop 13 in CA!!!!!!!</u></strong><br/><br/>Unconscionable, Negligent Zillow! &nbsp;Fix these.<br/><br \><br \>0 replies Fri, 15 Mar 2013 22:52:00 GMT http://www.zillow.com/advice-thread/WHY-Zillow-your-Monthly-Payment-summaries-are-IMPOSSIBLE/483172/ 2013-03-15T22:52:00Z Switching Loan Type During Escrow http://www.zillow.com/advice-thread/Switching-Loan-Type-During-Escrow/464466/ Question - I am in California and am trying to get a loan to work. I have on the purchase agreement for a 30 year fixed conventional, but because of some down deposit issues, we may have to add a 2nd on the home. Do I need to inform the seller of this addition? If so, do we need to fill out a whole new purchase agreement? If not, and it still fails to get funded, what recourse does the seller have?<br \><br \>2 replies Wed, 17 Oct 2012 06:04:00 GMT http://www.zillow.com/advice-thread/Switching-Loan-Type-During-Escrow/464466/ 2012-10-17T06:04:00Z