Zillow Advice RSS: Question-Discussion-Guide,Buying Process,NM http://www.zillow.com/advice/NM/home-buying-buying-process/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Zillow sucks!! listings are not up to date. http://www.zillow.com/advice-thread/Zillow-sucks-listings-are-not-up-to-date/481803/ Based on my search results, over half are not up to date. &nbsp;Either the information is wrong, price is wrong, or its already sold but still shows available on Zillow. &nbsp;Not sure how are they filtering or updating their listings (or maybe they don't at all), but its not working. &nbsp;I hate to say this, but I'm using Redfin from now on. &nbsp;Zillow is misleading and useless. &nbsp;What a big waste of time.<br \><br \>17 replies Thu, 07 Mar 2013 23:06:00 GMT http://www.zillow.com/advice-thread/Zillow-sucks-listings-are-not-up-to-date/481803/ 2013-03-07T23:06:00Z False advertising http://www.zillow.com/advice-thread/False-advertising/555107/ My wife and I recently took time to drive into the mountains to view a piece of land that was advertised. The picture that was displayed must have been taken miles from the property and in no way represented the views that were actually at the site.<br/>How do we communicate false advertising so others don't waste their time too?<br \><br \>1 reply Sun, 17 Aug 2014 04:13:00 GMT http://www.zillow.com/advice-thread/False-advertising/555107/ 2014-08-17T04:13:00Z Can first time home buyers get help in paying for a 20% down payment? http://www.zillow.com/advice-thread/Can-first-time-home-buyers-get-help-in-paying-for-a-20-down-payment/539451/ 12 replies Tue, 06 May 2014 03:06:00 GMT http://www.zillow.com/advice-thread/Can-first-time-home-buyers-get-help-in-paying-for-a-20-down-payment/539451/ 2014-05-06T03:06:00Z mfa loan denied http://www.zillow.com/advice-thread/mfa-loan-denied/547660/ I was denied my MFA loan because our Loan officer failed to report my pastorial salary. he had all the info but somehow he missed it. We are a couple of days for closing and now they want us to come up with 4500.00 dlls. My question is the pastorial salary considered income even if is done as housing allowance.?<br/><br/>I need some help please....<br \><br \>1 reply Sat, 28 Jun 2014 21:40:00 GMT http://www.zillow.com/advice-thread/mfa-loan-denied/547660/ 2014-06-28T21:40:00Z Can I back out of a short sale. http://www.zillow.com/advice-thread/Can-I-back-out-of-a-short-sale/542419/ I put in a offer on a short sale property and I am starting to think the house is not for me. The seller has accepted the offer but still waiting for the bank. The property is a townhouse and has been on the market for 150+ days. I am thinking that it would not be a great investment. its a 2bed 1.5 bath 1 car garage and is a 2 story. Now this week there are 2 new listings for 2bed 2bath and 2 car garage single family homes. they are listed at the same price. what advice does everyone have.<br \><br \>5 replies Sun, 25 May 2014 13:30:00 GMT http://www.zillow.com/advice-thread/Can-I-back-out-of-a-short-sale/542419/ 2014-05-25T13:30:00Z if i have bad credit and plan to buy a home in december or january? http://www.zillow.com/advice-thread/if-i-have-bad-credit-and-plan-to-buy-a-home-in-december-or-january/536284/ my husband works but only has an itin #, how much money would we need to buy a for sale by owner in west side of los lunas?<br \><br \>4 replies Sun, 13 Apr 2014 18:56:00 GMT http://www.zillow.com/advice-thread/if-i-have-bad-credit-and-plan-to-buy-a-home-in-december-or-january/536284/ 2014-04-13T18:56:00Z selling price of 65 Condesa road on 2/20/14 http://www.zillow.com/advice-thread/selling-price-of-65-Condesa-road-on-2-20-14/531578/ 1 reply Sun, 09 Mar 2014 16:06:00 GMT http://www.zillow.com/advice-thread/selling-price-of-65-Condesa-road-on-2-20-14/531578/ 2014-03-09T16:06:00Z Buying a new home before existing home sells http://www.zillow.com/advice-thread/Buying-a-new-home-before-existing-home-sells/532864/ My current house is paid for.&nbsp; I'm downsizing to a smaller house at a lower value that my existing house.&nbsp; The lender is suspicious that I'm buying the new house as an investment property.&nbsp; I recently retired.&nbsp;&nbsp;As an older person, I can't be the only person who wants to downsize.&nbsp; They want an explanation.&nbsp; Is this normal?<br \><br \>9 replies Wed, 19 Mar 2014 04:14:00 GMT http://www.zillow.com/advice-thread/Buying-a-new-home-before-existing-home-sells/532864/ 2014-03-19T04:14:00Z Are all HUD homes considered part of the good neighbor next door program? http://www.zillow.com/advice-thread/Are-all-HUD-homes-considered-part-of-the-good-neighbor-next-door-program/530009/ As a teacher can you get HUD homes for 50% of the cost?<br \><br \>2 replies Wed, 26 Feb 2014 01:34:00 GMT http://www.zillow.com/advice-thread/Are-all-HUD-homes-considered-part-of-the-good-neighbor-next-door-program/530009/ 2014-02-26T01:34:00Z How can I report a realator? http://www.zillow.com/advice-thread/How-can-I-report-a-realator/526298/ This realtor knew that the house was in probate and didn't tell us or our Realtor. We put down earnest money, the sellers accepted our offer, got all the paper work done, had spent a month preparing to move on our set move in date, got home inspections ($320). We had packed all of our belongings up and gave our landlords our 30 day notice. <br/><br \><br \>2 replies Wed, 29 Jan 2014 01:45:00 GMT http://www.zillow.com/advice-thread/How-can-I-report-a-realator/526298/ 2014-01-29T01:45:00Z (Moved): How does it work to co-apply with my son as co-applicant? http://www.zillow.com/advice-thread/Moved-How-does-it-work-to-co-apply-with-my-son-as-co-applicant/526073/ This discussion has been moved to the following location: <a href="http://www.zillow.com/advice-thread/How-does-it-work-to-co-apply-with-my-son-as-co-applicant/526072/">http://www.zillow.com/advice-thread/How-does-it-work-to-co-apply-with-my-son-as-co-applicant/526072/</a><br \><br \>0 replies Mon, 27 Jan 2014 15:57:00 GMT http://www.zillow.com/advice-thread/Moved-How-does-it-work-to-co-apply-with-my-son-as-co-applicant/526073/ 2014-01-27T15:57:00Z What do you thing the first step in in the buying process? http://www.zillow.com/advice-thread/What-do-you-thing-the-first-step-in-in-the-buying-process/521963/ 3 replies Wed, 18 Dec 2013 19:58:00 GMT http://www.zillow.com/advice-thread/What-do-you-thing-the-first-step-in-in-the-buying-process/521963/ 2013-12-18T19:58:00Z I am trying to estimate my property tax for a home I am interested in buying. So I went to goverm http://www.zillow.com/advice-thread/I-am-trying-to-estimate-my-property-tax-for-a-home-I-am-interested-in-buying-So-I-went-to-goverm/514526/ 13 replies Tue, 08 Oct 2013 02:50:00 GMT http://www.zillow.com/advice-thread/I-am-trying-to-estimate-my-property-tax-for-a-home-I-am-interested-in-buying-So-I-went-to-goverm/514526/ 2013-10-08T02:50:00Z (Moved): My wife's credit is not good, mine is 730. http://www.zillow.com/advice-thread/Moved-My-wife%27s-credit-is-not-good-mine-is-730/510837/ This discussion has been moved to the following location: <a href="http://www.zillow.com/advice-thread/My-wife%27s-credit-is-not-good-mine-is-730/510836/">http://www.zillow.com/advice-thread/My-wife%27s-credit-is-not-good-mine-is-730/510836/</a><br \><br \>0 replies Wed, 11 Sep 2013 06:11:00 GMT http://www.zillow.com/advice-thread/Moved-My-wife%27s-credit-is-not-good-mine-is-730/510837/ 2013-09-11T06:11:00Z need home buying advice for military medical discharged who is declaring bankruptcy http://www.zillow.com/advice-thread/need-home-buying-advice-for-military-medical-discharged-who-is-declaring-bankruptcy/507187/ In the next 10 months I will be divorced, discharged from the&nbsp;Air Force for medical reasons, and have a bankruptcy just due to more debt/divorce going out than income coming in.&nbsp; <br/><br/>Financially its been a good run even with skirting the edge the last seven years.&nbsp; I currently own two homes in two different states (otherwise this would be easy).&nbsp; The Ex will live in the first VA financed&nbsp;house (or it will be given up during the bankruptcy).&nbsp; The first house&nbsp;has about $10K negative value once sale costs are figured.&nbsp; <br/><br/>The second investment financed house is 1100 miles away but is making a profit as a rental. I did consider putting a line of credit on this home, but I saw the bankruptcy coming and I wanted the property as "clean" and simple.<br/><br/>Interestingly enough my credit is excellent, with the only&nbsp;negatives being high consumer debt and recent hard inquires. (refinanced both houses and replaced my 13 yr old jeep with 238 miles). never missed any payments in current credit history.<br/><br/>Future Ex doesnt work, is trying to, and has depleted savings either by emptying accounts or lawyer fees. She may or may not vacate house #1. A financial succubus...marriage should be illlegal! at 50% divorce rate.<br/><br/>The future....<br/>1) I realize that I'll have to rent until I can stop wasting money and buy....HOW LONG?<br/>2) I'll need about 3 months just to rejoin society, get into the local medical system, and finally rest. After that I plan to slowly increase working hours from part-time to full-time and finally back into the more stressful (higher pay) full-time positions. HOW DO I TAKE ADVANTAGE OF DEALS DURING THIS TIME?<br/>3) I see myself using the 30 yr&nbsp;VA loan as whatever savings I'll have will be used to rebuild my real retirement bubble.<br \><br \>1 reply Fri, 16 Aug 2013 16:23:00 GMT http://www.zillow.com/advice-thread/need-home-buying-advice-for-military-medical-discharged-who-is-declaring-bankruptcy/507187/ 2013-08-16T16:23:00Z Sellers signed to provide us (Buyers) $5000 at Closing and haven't paid full amount. http://www.zillow.com/advice-thread/Sellers-signed-to-provide-us-Buyers-5000-at-Closing-and-haven%27t-paid-full-amount/505762/ We closed last week, 7/31 after an arduous process of having to deal with the IRS to get tax transcripts which delayed us 10 days over our original closing date (7/21). At closing, our fees on the HUD only totaled $4529 that were to be paid for by the sellers. However, we signed a contract that promised us $5000 at closing by the sellers, not just for closing fees, but as a bonus to the buyers for closing which could go to whatever we desired. &nbsp;<br/><br/>They promised to our realtor and their relator that they would bring a $471 check to our title company if we signed, however they decided not to do so. &nbsp;Who is liable for ensuring this debt is paid based on our contracted agreement at the time we decided to purchase the home? &nbsp;The $5000 is well below the 3% marker of the allowable amount for the sellers to pay, so how is it that we can recover this relatively small, but well deserved amount?&nbsp;<br \><br \>9 replies Wed, 07 Aug 2013 21:50:00 GMT http://www.zillow.com/advice-thread/Sellers-signed-to-provide-us-Buyers-5000-at-Closing-and-haven%27t-paid-full-amount/505762/ 2013-08-07T21:50:00Z How Much Down Payment Do Home Buyers Need? http://www.zillow.com/advice-thread/How-Much-Down-Payment-Do-Home-Buyers-Need/490564/ As the obstacles to owning a home become more pronounced in the wake of the housing bust, how much money should homebuyers set aside for a down payment? Unsurprisingly, cash is still king in today's market, especially as mortgage lenders raise the bar for credit worthiness.<br/><br/>That said, down payment options range from zero dollars all the way up to 20 percent and beyond. The trick is to keep your monthly mortgage payment to a reasonable amount now, without breaking the bank later.<br \><br \>1 reply Thu, 02 May 2013 18:25:00 GMT http://www.zillow.com/advice-thread/How-Much-Down-Payment-Do-Home-Buyers-Need/490564/ 2013-05-02T18:25:00Z '15-Year Mortgage Rate Hits Low' - Les Christie reports from CNN Money http://www.zillow.com/advice-thread/%2715-Year-Mortgage-Rate-Hits-Low%27-Les-Christie-reports-from-CNN-Money/490552/ <div class="cnnStorySource">Mortgage rates dropped again this week, with the 15-year fixed-rate loan hitting a record low, according to a report from mortgage financier Freddie Mac.</div><p>The 15-year fixed rate fell to 2.56% from 2.61%. A year ago, it stood at 3.07.</p><p>The most popular mortgage, the 30-year fixed rate, came in at 3.35%, a drop of 0.05 percentage point and only 0.04 percentage point above its record low set the week of November 21, 2012.</p><p>The rates provide a welcome boost to the housing market and to the overall economy, according to Frank Nothaft, Freddie Mac's chief economist.</p><p>"Residential fixed investment added to overall economic growth over the past eight consecutive quarters and contributed more than 0.3 percentage points in growth over the first three months of this year," he said. "[N]ear record low mortgage rates should further drive the housing market recovery over the near term."</p><br \><br \>0 replies Thu, 02 May 2013 17:54:00 GMT http://www.zillow.com/advice-thread/%2715-Year-Mortgage-Rate-Hits-Low%27-Les-Christie-reports-from-CNN-Money/490552/ 2013-05-02T17:54:00Z Where to offer on a home priced at 239k? http://www.zillow.com/advice-thread/Where-to-offer-on-a-home-priced-at-239k/489593/ originally&nbsp;priced at 239k just dropped to 234k, is offering 225k to low to come in at?<br \><br \>3 replies Thu, 25 Apr 2013 21:34:00 GMT http://www.zillow.com/advice-thread/Where-to-offer-on-a-home-priced-at-239k/489593/ 2013-04-25T21:34:00Z How much do I have to pay for down payment? http://www.zillow.com/advice-thread/How-much-do-I-have-to-pay-for-down-payment/484075/ If I want to buy $300,000 house, how much do I have to&nbsp;pay for minimum down payment? Can I buy a house 0%&nbsp;or 10% down payment?<br/>Please, reply me ASAP.<br/>Thank you<br \><br \>5 replies Thu, 21 Mar 2013 18:16:00 GMT http://www.zillow.com/advice-thread/How-much-do-I-have-to-pay-for-down-payment/484075/ 2013-03-21T18:16:00Z