Zillow Advice RSS: Question-Discussion-Guide,Buying Process,IN http://www.zillow.com/advice/IN/home-buying-buying-process/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate does a lender consider your individual case or only rely on your credit score number? http://www.zillow.com/advice-thread/does-a-lender-consider-your-individual-case-or-only-rely-on-your-credit-score-number/548812/ I have never had a mortgage or credit card so my credit score has always been low but recently we have found a house to buy and I have worked hard to raise it to a 660.the week before we were to go to the bank I discovered I had a (5 day!) late payment on an auto loan reported and my score dropped 61points! Is there a quick wayto raise my score or will the bank consider the situation and that I have no other negative marks other than the one late payment and lack of history, or will they rely entirely on the number?<br \><br \>3 replies Tue, 08 Jul 2014 03:59:00 GMT http://www.zillow.com/advice-thread/does-a-lender-consider-your-individual-case-or-only-rely-on-your-credit-score-number/548812/ 2014-07-08T03:59:00Z How do I get utility bill history for a property that is for sale? http://www.zillow.com/advice-thread/How-do-I-get-utility-bill-history-for-a-property-that-is-for-sale/531082/ 5 replies Wed, 05 Mar 2014 20:54:00 GMT http://www.zillow.com/advice-thread/How-do-I-get-utility-bill-history-for-a-property-that-is-for-sale/531082/ 2014-03-05T20:54:00Z Can you receive a FHA loan with a score of 580 and what Credit bureau is most likely used? http://www.zillow.com/advice-thread/Can-you-receive-a-FHA-loan-with-a-score-of-580-and-what-Credit-bureau-is-most-likely-used/393678/ <p>My lovely wife wants a certain house the last asking price was 145,000, it is now off the market due to non-selling. We really want this home bad. She crys for it, I need to get it. But my score is slowly creeping up to 580 it is at 577. How can I get approave for a FHA loan and also see if the owners would be willing to pay closing and appraisal costs. The zestimate is 133,000. Can we also try to getthe appraisal price instead?<br/></p><br \><br \>16 replies Tue, 05 Apr 2011 00:50:00 GMT http://www.zillow.com/advice-thread/Can-you-receive-a-FHA-loan-with-a-score-of-580-and-what-Credit-bureau-is-most-likely-used/393678/ 2011-04-05T00:50:00Z I have a 580 credit score and need approved please help http://www.zillow.com/advice-thread/I-have-a-580-credit-score-and-need-approved-please-help/543771/ I can put 10 percent down if needed and wouldn't want anything more than $45,000. Located in central Indiana.<br \><br \>2 replies Mon, 02 Jun 2014 23:51:00 GMT http://www.zillow.com/advice-thread/I-have-a-580-credit-score-and-need-approved-please-help/543771/ 2014-06-02T23:51:00Z How to make a second home my primary residence? http://www.zillow.com/advice-thread/How-to-make-a-second-home-my-primary-residence/544024/ I am looking to purchase a new home.&nbsp; I will not be selling the home I currently live in.&nbsp; What would I need to do to make the new home I purchase my primary residence?&nbsp; I would be living between the 2 homes.<br \><br \>3 replies Wed, 04 Jun 2014 13:15:00 GMT http://www.zillow.com/advice-thread/How-to-make-a-second-home-my-primary-residence/544024/ 2014-06-04T13:15:00Z (Moved): Bankruptcy a year ago, Im looking to buy now. http://www.zillow.com/advice-thread/Moved-Bankruptcy-a-year-ago-Im-looking-to-buy-now/541739/ This discussion has been moved to the following location: <a href="http://www.zillow.com/advice-thread/Bankruptcy-a-year-ago-Im-looking-to-buy-now/541733/">http://www.zillow.com/advice-thread/Bankruptcy-a-year-ago-Im-looking-to-buy-now/541733/</a><br \><br \>0 replies Tue, 20 May 2014 23:34:00 GMT http://www.zillow.com/advice-thread/Moved-Bankruptcy-a-year-ago-Im-looking-to-buy-now/541739/ 2014-05-20T23:34:00Z Correct offer price? http://www.zillow.com/advice-thread/Correct-offer-price/537088/ &nbsp;&nbsp;&nbsp;&nbsp;We saw couple of nice homes in West Carmel area. Lets say they are listed for $340K then what should be our offer. Do we have to go $340K in current market conditions? or Something like $325K is a good starting point to have negotiations?<br \><br \>4 replies Sat, 19 Apr 2014 02:29:00 GMT http://www.zillow.com/advice-thread/Correct-offer-price/537088/ 2014-04-19T02:29:00Z Credit Repair in Indianapolis, IN http://www.zillow.com/advice-thread/Credit-Repair-in-Indianapolis-IN/535230/ Looking to get pre approved for a mortgage within a year. Credit needs help, scores are around 510-520 range. Want to be proactive and start this immediately. I think it could easily be cleaned up. Some collections, smaller amounts, and I do have 1 judgement. Looking for advice from a reputable credit repair service or lender in the Indianapolis area. Looking to be more rural, possibly interested in a USDA loan program. Thanks!<br \><br \>6 replies Sat, 05 Apr 2014 04:40:00 GMT http://www.zillow.com/advice-thread/Credit-Repair-in-Indianapolis-IN/535230/ 2014-04-05T04:40:00Z Where can I get a loan for 9,000 to buy a house ? http://www.zillow.com/advice-thread/Where-can-I-get-a-loan-for-9-000-to-buy-a-house/519872/ Dear Sirs, I found a house that I like for 17,900. I plan to offer 15,000 and put down 40% ( 6,000). Where can I get a mortgage for the rest ?<br/><br/>kef101@hotmail.com<br/>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Karl F<br \><br \>17 replies Sat, 23 Nov 2013 15:23:00 GMT http://www.zillow.com/advice-thread/Where-can-I-get-a-loan-for-9-000-to-buy-a-house/519872/ 2013-11-23T15:23:00Z how to buy direct with cash..? http://www.zillow.com/advice-thread/how-to-buy-direct-with-cash/528467/ can we just contact the owner and if we like it, pay and sign same day? or how does that work?<br \><br \>5 replies Fri, 14 Feb 2014 17:24:00 GMT http://www.zillow.com/advice-thread/how-to-buy-direct-with-cash/528467/ 2014-02-14T17:24:00Z steps to buy a home after a foreclosure http://www.zillow.com/advice-thread/steps-to-buy-a-home-after-a-foreclosure/525775/ 5 replies Fri, 24 Jan 2014 23:50:00 GMT http://www.zillow.com/advice-thread/steps-to-buy-a-home-after-a-foreclosure/525775/ 2014-01-24T23:50:00Z If you are looking to purchase a home does a relator go by the zestimate? http://www.zillow.com/advice-thread/If-you-are-looking-to-purchase-a-home-does-a-relator-go-by-the-zestimate/524769/ I have seen that prices on some homes are a lot higher than the zestimate. Does this mean I could get a home for the same price as the zestimate?<br \><br \>11 replies Fri, 17 Jan 2014 01:27:00 GMT http://www.zillow.com/advice-thread/If-you-are-looking-to-purchase-a-home-does-a-relator-go-by-the-zestimate/524769/ 2014-01-17T01:27:00Z What is included in square footage that is listed http://www.zillow.com/advice-thread/What-is-included-in-square-footage-that-is-listed/520380/ Is the square footage for a home only living area, or does it include garage space and does it includes items like unfinished basements?<br \><br \>8 replies Fri, 29 Nov 2013 16:36:00 GMT http://www.zillow.com/advice-thread/What-is-included-in-square-footage-that-is-listed/520380/ 2013-11-29T16:36:00Z I have bad credit and have been looking for a rent to own home http://www.zillow.com/advice-thread/I-have-bad-credit-and-have-been-looking-for-a-rent-to-own-home/522552/ I would prefer somewhere in the 46052 area. I have a down payment. But I'm on disability and need low monthly payments. I can't qualify for a bank loan. Where can I find free listings? Or a program that helps disabled people with bad credit..?<br \><br \>0 replies Fri, 27 Dec 2013 18:37:00 GMT http://www.zillow.com/advice-thread/I-have-bad-credit-and-have-been-looking-for-a-rent-to-own-home/522552/ 2013-12-27T18:37:00Z I' hope the condo at 2918 Cunningham Fort Watbew IN is still on the market http://www.zillow.com/advice-thread/I%27-hope-the-condo-at-2918-Cunningham-Fort-Watbew-IN-is-still-on-the-market/521523/ 1 reply Fri, 13 Dec 2013 15:46:00 GMT http://www.zillow.com/advice-thread/I%27-hope-the-condo-at-2918-Cunningham-Fort-Watbew-IN-is-still-on-the-market/521523/ 2013-12-13T15:46:00Z Earnest check was never deposited - Seller won't sign mutual release http://www.zillow.com/advice-thread/Earnest-check-was-never-deposited-Seller-won%27t-sign-mutual-release/519960/ A week ago, on Sunday, Nov. 17, a seller accepted our offer on his home via our agent and his agent (both licensed agents at FC Tucker). &nbsp;However, since we live out of state, and we were using an electronic signature document service, according to our agent, there were still some "missing signatures." &nbsp;<br/><br/>On Tuesday, morning at 9 a.m. we paid for a home inspection. &nbsp;At 1 p.m. we had a meeting with a mortgage lender and discovered we could not be financed. &nbsp;Immediately following that meeting, I alerted our agent and said we needed to cancel the agreement based on our ineligibility of financing. &nbsp;On, Wednesday, our agent sent us a mutual release form, which we immediately (electronically) signed and returned. &nbsp;<br/><br/>Throughout this period the seller and his agent continued to market the home, even on the day we had it inspected (Our agent told us that it was never listed as "pending" or removed from the market). &nbsp;And, in fact, on Thursday -- four days after the offer acceptance, two days after we gave everyone notice of the financing issue, one day after we submitted the release form; they began marketing an Open-House that is occurring today - Nov. 24. &nbsp;<br/><br/>Additionally, our earnest $ check was never deposited due to the fact that we never had a fully executed agreement.<br/><br/>Here is the problem: Despite all of the above, our agent is telling us that our earnest money check cannot be given back until the seller signs the mutual release form...and, he is refusing to do that. &nbsp;However, my understanding of Indiana's real estate law is that since our check was not deposited within two banking days (due to the "missing signatures"), it should be voided and sent back to us, regardless of whether or not the seller signs a release document.<br/><br/>Is my understanding of the law incorrect? &nbsp;How should we proceed? &nbsp;We hate the fact that our personal check is floating around on someone's desk right now.<br \><br \>12 replies Sun, 24 Nov 2013 14:52:00 GMT http://www.zillow.com/advice-thread/Earnest-check-was-never-deposited-Seller-won%27t-sign-mutual-release/519960/ 2013-11-24T14:52:00Z Looking for 3BR 2 Bath Ranch in Westfield... http://www.zillow.com/advice-thread/Looking-for-3BR-2-Bath-Ranch-in-Westfield/519690/ <em>[self promotion deleted by Zillow&nbsp; moderator. Please see our Good Neighbor Policy for posting guidelines]<br/></em><br \><br \>0 replies Thu, 21 Nov 2013 15:18:00 GMT http://www.zillow.com/advice-thread/Looking-for-3BR-2-Bath-Ranch-in-Westfield/519690/ 2013-11-21T15:18:00Z I filed bankruptcy 1 year ago. What is the possibility to get a mortgage loan with a higher down http://www.zillow.com/advice-thread/I-filed-bankruptcy-1-year-ago-What-is-the-possibility-to-get-a-mortgage-loan-with-a-higher-down/519112/ What is the possibility to get a mortgage loan with a higher down payment. I talking about between $60,000 to $80,000, with 1 year of bankruptcy.<br \><br \>6 replies Fri, 15 Nov 2013 19:24:00 GMT http://www.zillow.com/advice-thread/I-filed-bankruptcy-1-year-ago-What-is-the-possibility-to-get-a-mortgage-loan-with-a-higher-down/519112/ 2013-11-15T19:24:00Z What criteria do you use to select a buyers agent for properties in Southern Indiana? http://www.zillow.com/advice-thread/What-criteria-do-you-use-to-select-a-buyers-agent-for-properties-in-Southern-Indiana/428232/ You could read the profile, blogs, and recommendations.<br \><br \>8 replies Tue, 10 Jan 2012 16:06:00 GMT http://www.zillow.com/advice-thread/What-criteria-do-you-use-to-select-a-buyers-agent-for-properties-in-Southern-Indiana/428232/ 2012-01-10T16:06:00Z How do I figure closing costs http://www.zillow.com/advice-thread/How-do-I-figure-closing-costs/516472/ To buy a home cash priced at 58,000. Bank owned, not HUD. We offered 50,400. They counter offered 56,000. We thought we could counter back at 54,000 and offer to pay closing costs? Any suggestions?<br \><br \>8 replies Thu, 24 Oct 2013 00:57:00 GMT http://www.zillow.com/advice-thread/How-do-I-figure-closing-costs/516472/ 2013-10-24T00:57:00Z