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 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 \>5 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 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 \>16 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 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/ 1 reply 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 \>6 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 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 How do I reply to the post here? http://www.zillow.com/advice-thread/How-do-I-reply-to-the-post-here/449206/ Posted a discussion topic earlier but don't know how to reply to the replies<br \><br \>3 replies Sun, 01 Jul 2012 13:59:00 GMT http://www.zillow.com/advice-thread/How-do-I-reply-to-the-post-here/449206/ 2012-07-01T13:59:00Z Found a house in Hollis New Hampshire in mid 300's The taxes are outrageous 11 grand Why? http://www.zillow.com/advice-thread/Found-a-house-in-Hollis-New-Hampshire-in-mid-300%27s-The-taxes-are-outrageous-11-grand-Why/451633/ 2 replies Thu, 19 Jul 2012 03:17:00 GMT http://www.zillow.com/advice-thread/Found-a-house-in-Hollis-New-Hampshire-in-mid-300%27s-The-taxes-are-outrageous-11-grand-Why/451633/ 2012-07-19T03:17:00Z Purchasing a house with three people? http://www.zillow.com/advice-thread/Purchasing-a-house-with-three-people/441910/ Basically three good friends that are sick of paying rent. We all have stable jobs and good credit. We are looking to find a place we can live and fix up while living there. Lending and restriction will all decide if it's a single family or a multiple family we can eventually rent out. Where should I start and is it possible to do?<br \><br \>3 replies Tue, 08 May 2012 00:42:00 GMT http://www.zillow.com/advice-thread/Purchasing-a-house-with-three-people/441910/ 2012-05-08T00:42:00Z fha loan for second home which would be primary residence http://www.zillow.com/advice-thread/fha-loan-for-second-home-which-would-be-primary-residence/373281/ i was told by a mortgage lender that i could use fha to purchase a second home as the value of our first home has declined and we cannot sell it. we are going to rent the first home. my question is , how do they figure how much you can afford, does it depend on the rent you get for the first home? if my first traditional mortgage payment is say 1500, do i need to get 1500 in rent? if i can't get 1500 in rent, do they just add the difference to the debt ratio?<br \><br \>1 reply Sun, 31 Oct 2010 22:59:00 GMT http://www.zillow.com/advice-thread/fha-loan-for-second-home-which-would-be-primary-residence/373281/ 2010-10-31T22:59:00Z HOW DO I KNOW HOW MUCH TO OFFER ON A LISTING? http://www.zillow.com/advice-thread/HOW-DO-I-KNOW-HOW-MUCH-TO-OFFER-ON-A-LISTING/366077/ <p><strong><u>Todays question of the day is:</u> <em><u>"There is a home i am interested in making an offer on, i know they only paid $100,000 8 years ago, they have not made any improvements, should i offer them $100,000 now ofr this house?"<br/></u></em><br/></strong>You should not be looking at what someone paid for a property when calculating what you want to offer. Just as well, you should not be basing your offer on any percentage off of their asking price as you do not know if that asking price is what that home is worth.<br/><br/>The only factor that really matters is what it is worth in todays market in the condition it is currently in. You need to assess what the house is worth in todays market.&nbsp;&nbsp;If you are experienced you can do it yourself or you can simply have an agent complete a broker price opinion. Once you know what the house is worth in todays market, you can make an educated offer.</p><p>if you are not experienced, You may want to hire a buyer broker, you can usually do so at no cost to you, they get paid their commission from the fee advertsised in MLS by the listing agent and paid at closing.<br/><br/>Blog Updated Sept. 13, 2010<br/><br/>Blog Written by:<br/><br/>Scott Godzyk<br/>Owner/Broker<br/><br/>Godzyk Realty Group<br/><br/>Manchester NH</p><br \><br \>3 replies Mon, 13 Sep 2010 12:30:00 GMT http://www.zillow.com/advice-thread/HOW-DO-I-KNOW-HOW-MUCH-TO-OFFER-ON-A-LISTING/366077/ 2010-09-13T12:30:00Z Important fixed costs when purchasing property http://www.zillow.com/advice-thread/Important-fixed-costs-when-purchasing-property/364345/ <div>Buying a house in any real estate market is an exciting adventure to find that perfect first home, second home or investment property. Throw in today's "buyer's market" and the additional opportunity can really make your home search that much more exciting. Below are the typical fixed costs to expect when buying property in the Lake Sunapee Region of New Hampshire.<div><br/><br/>NH State Transfer Tax- is $1.50 per hundred of the sales price of the property. This is split 50/50 between the buyer and seller. A quick way to figure out what your cost would be is the following: &nbsp;Sales Price x 0.0075 = NH State Transfer Tax due at closing. $300,000 x 0.0075= $2,250.<div><br/><br/>Appraisal- $350 to $500<div>Home Inspection- $700+/-<div>Septic Inspection- $200 to $450<div>Title Search- $500<div><br/><br/>When you add all of this up on a $300,000 home purchase you are looking at around $4,100+/- for your typical fixed costs. If you are financing bear in mind that the banks like to escrow 6 months of taxes up front and if you need mortgage insurance (PMI) some banks also like to escrow 6 months of this at closing.<br/><br/>For more information and an expanded description of the above items go to [link removed by moderator]<br/><br/>Thanks!<br/>Dan</div></div></div></div></div></div></div><br \><br \>2 replies Mon, 30 Aug 2010 13:10:00 GMT http://www.zillow.com/advice-thread/Important-fixed-costs-when-purchasing-property/364345/ 2010-08-30T13:10:00Z