Zillow Advice RSS: Question-Discussion-Guide,Buying Process,NH http://www.zillow.com/advice/NH/home-buying-buying-process/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Can anyone recommend a buyer agent in the Lakes Region of New Hampshire? http://www.zillow.com/advice-thread/Can-anyone-recommend-a-buyer-agent-in-the-Lakes-Region-of-New-Hampshire/604368/ I am not sure it I want to build (modular or manufactured) or buy an existing house. &nbsp;I am hoping to find a buyer agent knowledgable about land and existing homes.<br \><br \>3 replies Sat, 12 Sep 2015 12:33:00 GMT http://www.zillow.com/advice-thread/Can-anyone-recommend-a-buyer-agent-in-the-Lakes-Region-of-New-Hampshire/604368/ 2015-09-12T12:33:00Z Can anyone recommend a buyer agent in the Lakes Region of New Hampshire? http://www.zillow.com/advice-thread/Can-anyone-recommend-a-buyer-agent-in-the-Lakes-Region-of-New-Hampshire/604368/ I am not sure it I want to build (modular or manufactured) or buy an existing house. &nbsp;I am hoping to find a buyer agent knowledgable about land and existing homes.<br \><br \>3 replies Sat, 12 Sep 2015 12:33:00 GMT http://www.zillow.com/advice-thread/Can-anyone-recommend-a-buyer-agent-in-the-Lakes-Region-of-New-Hampshire/604368/ 2015-09-12T12:33:00Z As a cash buyer of land who is responsible for setting up the closing? http://www.zillow.com/advice-thread/As-a-cash-buyer-of-land-who-is-responsible-for-setting-up-the-closing/587606/ I am a cash buyer and my sellers agent is telling me I am responsible for setting up the closing. Why is this my responsibility?<br \><br \>5 replies Tue, 19 May 2015 20:58:00 GMT http://www.zillow.com/advice-thread/As-a-cash-buyer-of-land-who-is-responsible-for-setting-up-the-closing/587606/ 2015-05-19T20:58:00Z What sort of house price range should I reasonably look at? http://www.zillow.com/advice-thread/What-sort-of-house-price-range-should-I-reasonably-look-at/580453/ Over the last two years my income has averaged to 160k and I have no debt. &nbsp;My credit score is around 690. &nbsp;I have looked for houses in my area in Bedford NH and I can't find anything decent for less than 500k, where property tax rate is about 2.1%. &nbsp;What sort of price range should I be looking for. I thought I made decent money for NH standards but maybe not. &nbsp;My wife makes about 40k a year but I don't want to use her income even though her credit score is a lot better than mine. Please advise.<br \><br \>5 replies Thu, 26 Mar 2015 22:11:00 GMT http://www.zillow.com/advice-thread/What-sort-of-house-price-range-should-I-reasonably-look-at/580453/ 2015-03-26T22:11:00Z Which fico model do lenders typically use? http://www.zillow.com/advice-thread/Which-fico-model-do-lenders-typically-use/580025/ I bought my 3 credit report/scores through myfico.com. My middle score is good enough to get a mortgage with a local lender. That score is from the fico 8 model which according to fico is the most used score model. But then below it it shows my fico 04 model score which is 45 points lower than my fico 8 score. I've heard most mortgage lenders don't use fico 8. Is this true? That 45 point difference could deny me a loan.<br \><br \>1 reply Mon, 23 Mar 2015 20:21:00 GMT http://www.zillow.com/advice-thread/Which-fico-model-do-lenders-typically-use/580025/ 2015-03-23T20:21:00Z What are customary closing costs for a NH buyer? http://www.zillow.com/advice-thread/What-are-customary-closing-costs-for-a-NH-buyer/534008/ 3 replies Thu, 27 Mar 2014 14:03:00 GMT http://www.zillow.com/advice-thread/What-are-customary-closing-costs-for-a-NH-buyer/534008/ 2014-03-27T14:03:00Z Why still have showings if they've already accepted an offer? http://www.zillow.com/advice-thread/Why-still-have-showings-if-they%27ve-already-accepted-an-offer/528657/ My husband and I went to look at a house that had been on the market for several months. We loved it and decided to make an offer that same day. Our agent called their agent and she informs us they already accepted an offer. Their agent did not inform us there was even an offer before we went to look at it. The home owners had other showings that day also because it was written on a calendar in their home. Why would the home owners or agent even bother showing it if they knew they were accepted an offer already and not accepting other offers?<br \><br \>9 replies Sun, 16 Feb 2014 16:34:00 GMT http://www.zillow.com/advice-thread/Why-still-have-showings-if-they%27ve-already-accepted-an-offer/528657/ 2014-02-16T16:34:00Z Is it customary for the seller to contribute to the buyer's closing costs in the Plaistow, NH area? http://www.zillow.com/advice-thread/Is-it-customary-for-the-seller-to-contribute-to-the-buyer%27s-closing-costs-in-the-Plaistow-NH-area/560755/ 7 replies Fri, 26 Sep 2014 13:25:00 GMT http://www.zillow.com/advice-thread/Is-it-customary-for-the-seller-to-contribute-to-the-buyer%27s-closing-costs-in-the-Plaistow-NH-area/560755/ 2014-09-26T13:25:00Z Buyers/Listing Agent for a new construction ? http://www.zillow.com/advice-thread/Buyers-Listing-Agent-for-a-new-construction/525456/ Hello,<br/><br/>I am looking for my first home. I contacted a listing agent who is about to show me some new homes. She also told that her builder can build some new floor plan houses if I am interested.&nbsp;<br/><br/>I was thinking of getting a buyers agent for my first home, but now I am confused. Should I just have the listing agent and talk to her builder for any new floor plan houses or go for a buyers agent to help me ?<br \><br \>17 replies Wed, 22 Jan 2014 18:41:00 GMT http://www.zillow.com/advice-thread/Buyers-Listing-Agent-for-a-new-construction/525456/ 2014-01-22T18:41:00Z appraises http://www.zillow.com/advice-thread/appraises/546429/ Have you ever heard of a house that can't be appraised?<br/>I am looking to buy a dome house in NH.the realtor said it's a cash sale because there is no other house around to compare it to for the appraisal.<br \><br \>6 replies Sat, 21 Jun 2014 00:31:00 GMT http://www.zillow.com/advice-thread/appraises/546429/ 2014-06-21T00:31:00Z closing monies http://www.zillow.com/advice-thread/closing-monies/541014/ my mom selling her home, she agreed to split closing cost with buyers, there is at least 100k equity in home. he agent telling her she needs to bring money to closing?? is this right? can't they just take it off the final monies she will be receiving?&nbsp;<br \><br \>4 replies Fri, 16 May 2014 09:23:00 GMT http://www.zillow.com/advice-thread/closing-monies/541014/ 2014-05-16T09:23:00Z is there a way to get a loan for a mobile home with a credit score at 545? http://www.zillow.com/advice-thread/is-there-a-way-to-get-a-loan-for-a-mobile-home-with-a-credit-score-at-545/529448/ I didn't get credit cards or loans and I recently got a car loan which killed my score due to the dealership going thru 20 banks until they got a yes. Didn't know this til I got letters everyday for two weeks straight telling me my score was low. Paying rent is just the same as paying a mortgage with prices for apartments in the area I live in. The two homes I found don't seem to be really high and there has to be some company that will give a family a chance?<br \><br \>5 replies Sat, 22 Feb 2014 02:10:00 GMT http://www.zillow.com/advice-thread/is-there-a-way-to-get-a-loan-for-a-mobile-home-with-a-credit-score-at-545/529448/ 2014-02-22T02:10:00Z is it a bad idea for the buyer to use the sellers attorney for the P&S agreement? http://www.zillow.com/advice-thread/is-it-a-bad-idea-for-the-buyer-to-use-the-sellers-attorney-for-the-P-S-agreement/499642/ How much is it expected to pay an attorney to review the P&amp;S? &nbsp;Can I use sellers atty?<br/>North of Boston area. &nbsp;<br \><br \>6 replies Sat, 29 Jun 2013 21:57:00 GMT http://www.zillow.com/advice-thread/is-it-a-bad-idea-for-the-buyer-to-use-the-sellers-attorney-for-the-P-S-agreement/499642/ 2013-06-29T21:57:00Z Can we view 441 Allagash Road, North Haverhill, NH http://www.zillow.com/advice-thread/Can-we-view-441-Allagash-Road-North-Haverhill-NH/525607/ <p>I am a broker associate with Reinhold Associates, LLC in Franconia.&nbsp; I have a client that would like to view this property and possibly purchase this home...please contact me at 603-823-7060 or email me at <a href="mailto:herbiebartlett@gmail.com" rel="nofollow">herbiebartlett@gmail.com</a></p><br \><br \>1 reply Thu, 23 Jan 2014 20:39:00 GMT http://www.zillow.com/advice-thread/Can-we-view-441-Allagash-Road-North-Haverhill-NH/525607/ 2014-01-23T20:39:00Z Offer on HUD home is higher than Appraisal http://www.zillow.com/advice-thread/Offer-on-HUD-home-is-higher-than-Appraisal/509402/ There is a HUD multi-family home appraised for $125,000 (obviously it is worth more) it is 203K eligible so it can go FHA. I put in a bid for $155,000. My mortgage lender is aware the home appraised for $125,000 and is willing to front the $155,000. I keep hearing conflicting reports:<br/><br/>View #1: that I have to come up with the difference between 155K and 125K ($30,000) in cash at closing<br/>View #2: If the mortgage lender is willing to put down the 155K at closing, that is fine. I won't need cash because my lender is backing me and will get the 155K to HUD.<br/><br/>Who is right?<br \><br \>3 replies Sat, 31 Aug 2013 13:02:00 GMT http://www.zillow.com/advice-thread/Offer-on-HUD-home-is-higher-than-Appraisal/509402/ 2013-08-31T13:02:00Z (Moved): How much should my husband and I expect to pay at closing? We are buying a single family home in Pel http://www.zillow.com/advice-thread/Moved-How-much-should-my-husband-and-I-expect-to-pay-at-closing-We-are-buying-a-single-family-home-in-Pel/502524/ This discussion has been moved to the following location: <a href="http://www.zillow.com/advice-thread/How-much-should-my-husband-and-I-expect-to-pay-at-closing-We-are-buying-a-single-family-home-in-Pel/502521/">http://www.zillow.com/advice-thread/How-much-should-my-husband-and-I-expect-to-pay-at-closing-We-are-buying-a-single-family-home-in-Pel/502521/</a><br \><br \>0 replies Thu, 18 Jul 2013 19:29:00 GMT http://www.zillow.com/advice-thread/Moved-How-much-should-my-husband-and-I-expect-to-pay-at-closing-We-are-buying-a-single-family-home-in-Pel/502524/ 2013-07-18T19:29:00Z Are raised garden beds considered part of personal property? http://www.zillow.com/advice-thread/Are-raised-garden-beds-considered-part-of-personal-property/490282/ Purchase and sale agreement signed a month ago. Now seller says he is taking the raised garden beds in yard or we owe him 300.00! He is claiming that is personal property. We say that is part of landscaping! Help!<br \><br \>4 replies Tue, 30 Apr 2013 21:31:00 GMT http://www.zillow.com/advice-thread/Are-raised-garden-beds-considered-part-of-personal-property/490282/ 2013-04-30T21:31:00Z when you put in an offer for a home does the agent tell you the amount of the other offer? http://www.zillow.com/advice-thread/when-you-put-in-an-offer-for-a-home-does-the-agent-tell-you-the-amount-of-the-other-offer/483442/ 6 replies Mon, 18 Mar 2013 02:49:00 GMT http://www.zillow.com/advice-thread/when-you-put-in-an-offer-for-a-home-does-the-agent-tell-you-the-amount-of-the-other-offer/483442/ 2013-03-18T02:49:00Z "As is" property fine on inspection, but now repairs are needed http://www.zillow.com/advice-thread/As-is-property-fine-on-inspection-but-now-repairs-are-needed/481873/ We are buying a bank owned mobile home in "as is" condition. It was dewinterized for inspection and our inspector noted a sag in the floor on the other side of a bathroom wall. The floor didn't appear soggy, but he suggested that the toilet on the other side of the wall may have leaked at one point and that the floor would need to be repaired at some point. The floor immediately around the toilet appeared solid and level, as if it had been repaired at the time of the leak. I went back in ten days later with a contractor to get some estimates and the toilet is clearly listing to the right (you can see a dirt line where it originally lined up) and the floor on the right is sagging and soft. I suspect (and the contractor with me agreed) a leak at the wax ring. Can we get the bank to pay for this, since it occurred after inspection? Either by getting the repairs done or by providing an estimate and requesting that amount at closing. Thanks!<br \><br \>7 replies Fri, 08 Mar 2013 13:14:00 GMT http://www.zillow.com/advice-thread/As-is-property-fine-on-inspection-but-now-repairs-are-needed/481873/ 2013-03-08T13:14:00Z Multi Family with low down payment http://www.zillow.com/advice-thread/Multi-Family-with-low-down-payment/474565/ I currently own a home that I purchased using an FHA loan. I am renting the home at this time. I would like to purchase a three to four family home that I will live in. I don't have 20% for a down payment but I do have 10% and good credit (over 750). What types of loans might I qualify for?<br \><br \>2 replies Wed, 16 Jan 2013 14:13:00 GMT http://www.zillow.com/advice-thread/Multi-Family-with-low-down-payment/474565/ 2013-01-16T14:13:00Z