Zillow Advice RSS: Question-Discussion-Guide,Buying Process,WI http://www.zillow.com/advice/WI/home-buying-buying-process/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Offer on our first HOME??? http://www.zillow.com/advice-thread/Offer-on-our-first-HOME/578981/ <p>We put a offer on a home that has been on the market for 129 days. The home was originally priced at 214K then 209K. The day we put a offer in they lowered to 204K. Our agent said to lowball and take 20% off the top. we listened to him and put in an offer at 189K. They countered us 4 days later at 203,900K..basically 100 bucks then asking price which I figured they would since my agent said to lowball. We countered their counter and came in with a price of 195K final &amp; highest offer.</p><br/><br/><p>We gave them the offer back Friday at 10 pm and still have yet to hear anything. The house has had NO other offers for all 129+ days it has been on the market. We were approved for a FHA for a purchase price of 195k MAX. Do you think our offer was fait the second time around? We are just on pins and needles waiting around for a response.....how long does it usually take to get a response on something like this?</p><br/><br/><p>Thank you in advance for any opinions!!!</p><br \><br \>15 replies Sun, 15 Mar 2015 16:37:00 GMT http://www.zillow.com/advice-thread/Offer-on-our-first-HOME/578981/ 2015-03-15T16:37:00Z Where should I start when looking to purchase 1st home. Have debt and not great credit please help! http://www.zillow.com/advice-thread/Where-should-I-start-when-looking-to-purchase-1st-home-Have-debt-and-not-great-credit-please-help/578710/ My wife and I are currently renting ak 4 bedroom house and are looking to downsize to a less expensive home. The place we're renting wants to sell and we can't afford a $275,000 home. I have good credit but she doesn't. I lost my job last year and we have finally gotten back on our feet but have accumulated quite a bit of debt. We have multiple pets so an apartment is not an option.&nbsp;Will not really have any money for a down payment. Wanting to know who to talk to and where to start this process for our specific situation. Your help is greatly appreciated!<br \><br \>4 replies Fri, 13 Mar 2015 04:27:00 GMT http://www.zillow.com/advice-thread/Where-should-I-start-when-looking-to-purchase-1st-home-Have-debt-and-not-great-credit-please-help/578710/ 2015-03-13T04:27:00Z N7514 Cardinal Drive, LaGrange, WI http://www.zillow.com/advice-thread/N7514-Cardinal-Drive-LaGrange-WI/481801/ Mature trees, well maintained ranch home has 3 bedrooms and 3 bath home.&nbsp; Backyard has a nice firepit, brick patio, horseshoe pits, flower bed, begetable garden and coi pond.&nbsp;Convenient to everything Lauderdale Lakes offers.&nbsp;<br \><br \>1 reply Thu, 07 Mar 2013 22:59:00 GMT http://www.zillow.com/advice-thread/N7514-Cardinal-Drive-LaGrange-WI/481801/ 2013-03-07T22:59:00Z Looking for FHA Loan with credit score of 612 in Florida and Down Payment assistance. http://www.zillow.com/advice-thread/Looking-for-FHA-Loan-with-credit-score-of-612-in-Florida-and-Down-Payment-assistance/493663/ <div>Me and my wife have a credit score of 612, my wife and son are&nbsp;on disability and receive $714 each a month, and I am in the&nbsp;process of getting disability as well. We are living in&nbsp;Winchester, Ky and are wanting to relocate to Florida and are&nbsp;seeking a Lender who would be willing to help us get a FHA&nbsp;Loan with Down Payment assistance. We are looking to move&nbsp;before the summer break is over, so that our two kids will&nbsp;start at their new school. We are looking for a single family&nbsp;<div>home that has 4 bedrooms, or 3 bedrooms with bonus room, so&nbsp;that I could have a small office. &nbsp;We are looking for a house&nbsp;that has a half acre and up, hopefully within a 45 minute&nbsp;drive to the ocean, or gulf. Please call us at 859-305-5286,&nbsp;and our email is freegift04@gmail.com. My name is Bryan Fryer,&nbsp;and my wife is Devona Fryer. Thanks, and I hope to hear from&nbsp;you soon!!!&nbsp;</div></div><br \><br \>6 replies Fri, 24 May 2013 01:28:00 GMT http://www.zillow.com/advice-thread/Looking-for-FHA-Loan-with-credit-score-of-612-in-Florida-and-Down-Payment-assistance/493663/ 2013-05-24T01:28:00Z Looking for FHA Loan with credit score of 612 in Florida and Down Payment assistance. http://www.zillow.com/advice-thread/Looking-for-FHA-Loan-with-credit-score-of-612-in-Florida-and-Down-Payment-assistance/493663/ <div>Me and my wife have a credit score of 612, my wife and son are&nbsp;on disability and receive $714 each a month, and I am in the&nbsp;process of getting disability as well. We are living in&nbsp;Winchester, Ky and are wanting to relocate to Florida and are&nbsp;seeking a Lender who would be willing to help us get a FHA&nbsp;Loan with Down Payment assistance. We are looking to move&nbsp;before the summer break is over, so that our two kids will&nbsp;start at their new school. We are looking for a single family&nbsp;<div>home that has 4 bedrooms, or 3 bedrooms with bonus room, so&nbsp;that I could have a small office. &nbsp;We are looking for a house&nbsp;that has a half acre and up, hopefully within a 45 minute&nbsp;drive to the ocean, or gulf. Please call us at 859-305-5286,&nbsp;and our email is freegift04@gmail.com. My name is Bryan Fryer,&nbsp;and my wife is Devona Fryer. Thanks, and I hope to hear from&nbsp;you soon!!!&nbsp;</div></div><br \><br \>6 replies Fri, 24 May 2013 01:28:00 GMT http://www.zillow.com/advice-thread/Looking-for-FHA-Loan-with-credit-score-of-612-in-Florida-and-Down-Payment-assistance/493663/ 2013-05-24T01:28:00Z Want to put offer down on house- our current home is paid off. http://www.zillow.com/advice-thread/Want-to-put-offer-down-on-house-our-current-home-is-paid-off/564786/ We are thinking of putting an offer down on a home that is about $40,000 less than our current homes value.&nbsp; We do own our home now (no mortgage) valued at about $154,000.<br/>How easy is this to do or not to do?&nbsp; Can we make an offer on the house with the contingency of our home selling?&nbsp; We will not have to go through any time of pre-approval or financing since we will be paying in cash.<br/>Can this be done?&nbsp; Thanks in advance for any help!<br \><br \>4 replies Thu, 30 Oct 2014 01:34:00 GMT http://www.zillow.com/advice-thread/Want-to-put-offer-down-on-house-our-current-home-is-paid-off/564786/ 2014-10-30T01:34:00Z Land contract http://www.zillow.com/advice-thread/Land-contract/563573/ We are buying a house through land contract in Wisconsin.<br/>The seller wants to write the contract ourselves rather then paying an attorney.<br/>We are wondering the risks of this... and should we have an attorney review it before signing or are<br/>they just going to advise us not to do it?<br/>We agree on all terms and will sign but just wondering if it will cause problems later when we go to purchase.<br/>Thank you<br \><br \>11 replies Mon, 20 Oct 2014 14:52:00 GMT http://www.zillow.com/advice-thread/Land-contract/563573/ 2014-10-20T14:52:00Z a lot is listed on the zillow ad for $25,9k.we offered20k expecting to negotiate http://www.zillow.com/advice-thread/a-lot-is-listed-on-the-zillow-ad-for-25-9k-we-offered20k-expecting-to-negotiate/560840/ Now the listing agent has told us the price is wrong, it is a $47,900 lot...really? It has been listed on Zillow for 420 days. I can't believe that this is a mistake that has gone on for over a year. We are senior citizens, and think the agent is deliberately trying to scam us and take advantage of us. &nbsp;What should we do?<br/>&nbsp;<br \><br \>10 replies Sat, 27 Sep 2014 04:38:00 GMT http://www.zillow.com/advice-thread/a-lot-is-listed-on-the-zillow-ad-for-25-9k-we-offered20k-expecting-to-negotiate/560840/ 2014-09-27T04:38:00Z Short Sale, how do I find out what offers have been submitted http://www.zillow.com/advice-thread/Short-Sale-how-do-I-find-out-what-offers-have-been-submitted/337078/ Is there any way to find out how many offers are on a shortsale property, and is there anything I can do myself to speed up the process?&nbsp; The <a href="http://www.zillow.com/directory/real-estate-agents-sellers-agent/">listing agent</a> does not seem to be on the ball with providing any information.<br \><br \>5 replies Wed, 24 Mar 2010 15:11:00 GMT http://www.zillow.com/advice-thread/Short-Sale-how-do-I-find-out-what-offers-have-been-submitted/337078/ 2010-03-24T15:11:00Z How do you know how much to offer a person? http://www.zillow.com/advice-thread/How-do-you-know-how-much-to-offer-a-person/554124/ 5 replies Sun, 10 Aug 2014 23:00:00 GMT http://www.zillow.com/advice-thread/How-do-you-know-how-much-to-offer-a-person/554124/ 2014-08-10T23:00:00Z Financing a farm house with old barn & silo on property http://www.zillow.com/advice-thread/Financing-a-farm-house-with-old-barn-silo-on-property/543625/ We just found out that the new home we are purchasing can not be financed through the company we have our pre approval from.&nbsp;&nbsp; The property is 5 acres, farm house, old barn and silo part of the property has been used as plowable land in the past.&nbsp; (we plan to convert it to pasture area) .&nbsp; We were going to use a conventional loan with 5% down.&nbsp; Where else can I get a loan to purchase this house &amp; stay with in that max 5% down?&nbsp; I will not use Wells Fargo.&nbsp; Thank you<br \><br \>3 replies Mon, 02 Jun 2014 02:35:00 GMT http://www.zillow.com/advice-thread/Financing-a-farm-house-with-old-barn-silo-on-property/543625/ 2014-06-02T02:35:00Z How do I see homes for sale in the Town of Lisbon, Wisconsin http://www.zillow.com/advice-thread/How-do-I-see-homes-for-sale-in-the-Town-of-Lisbon-Wisconsin/542426/ 3 replies Sun, 25 May 2014 15:24:00 GMT http://www.zillow.com/advice-thread/How-do-I-see-homes-for-sale-in-the-Town-of-Lisbon-Wisconsin/542426/ 2014-05-25T15:24:00Z Where do I start? http://www.zillow.com/advice-thread/Where-do-I-start/540182/ <p>Im not sure what my credit is but I know its probably not the greatest. My boyfriend and I live together but are not married can we combine income on a house loan? How do I see how much I am pre approved for?</p><br \><br \>5 replies Sat, 10 May 2014 20:24:00 GMT http://www.zillow.com/advice-thread/Where-do-I-start/540182/ 2014-05-10T20:24:00Z Buyer's expectations when approved short sale purchase cannot close due to code violoations? http://www.zillow.com/advice-thread/Buyer%27s-expectations-when-approved-short-sale-purchase-cannot-close-due-to-code-violoations/540253/ I waited 6 months for seller's bank to approve short sale. Something triggered an inspection from the city that revealed a laundry list of code violations - aboout $4K worth - many minor like smoke detectors needing replacement. Apparently, the seller is not in a position to handle these repairs. I cannot get financing nor insurance with code violations. Seller's agent is apparently negotiating with the bank because the property cannot be sold to anyone (i.e. city won't grant occupancy permit) until these violations are addressed. How have you seen this situation play out? I believe all I can do is wait due to the types of repairs needed including plumbing/electrical despite how minor they may&nbsp;be (i.e. cover&nbsp; a junction box, replace old smoke detectors, etc.)<br \><br \>3 replies Sun, 11 May 2014 16:35:00 GMT http://www.zillow.com/advice-thread/Buyer%27s-expectations-when-approved-short-sale-purchase-cannot-close-due-to-code-violoations/540253/ 2014-05-11T16:35:00Z Seller wants to take appliances even though they are listed in MLS http://www.zillow.com/advice-thread/Seller-wants-to-take-appliances-even-though-they-are-listed-in-MLS/539009/ My husband and I are closing on a house in June. We just learned today that the sellers want to take the washer and dryer, and they said they would let us make an offer if we wanted to keep them because they ideally don't want to move them out. Frankly my husband and I are kind of upset because our realator said they came with the house, and they were an upgrade from the ones we had and just last week we had sold our set of washer and dryer. They were listed in the MLS but not in the contract- so our question is what grounds we have to argue their removal. We aren't sure if this is something our realator messed up for us, or really what to think. Any advice is appreciated!<br \><br \>9 replies Fri, 02 May 2014 21:21:00 GMT http://www.zillow.com/advice-thread/Seller-wants-to-take-appliances-even-though-they-are-listed-in-MLS/539009/ 2014-05-02T21:21:00Z Looking to purchase a home for $35,000. http://www.zillow.com/advice-thread/Looking-to-purchase-a-home-for-35-000/537848/ 4 replies Thu, 24 Apr 2014 20:14:00 GMT http://www.zillow.com/advice-thread/Looking-to-purchase-a-home-for-35-000/537848/ 2014-04-24T20:14:00Z How can i get approved for a higher mortgage?? http://www.zillow.com/advice-thread/How-can-i-get-approved-for-a-higher-mortgage/536141/ I know exactly how much i can afford and what my limit is, however i cant seem to get a pre approval thats even close to what i am figuring.&nbsp; I am looking at duplex's and want a pre-approval for $1200 a month.&nbsp; My "wife" and I gross 64000 annually but she has bad enough credit to where i cant put her on the mortgage.&nbsp; I have a tenant lined up for the other side willing to pay $800 a month with utilities.&nbsp; How do i make this work?<br \><br \>8 replies Sat, 12 Apr 2014 07:06:00 GMT http://www.zillow.com/advice-thread/How-can-i-get-approved-for-a-higher-mortgage/536141/ 2014-04-12T07:06:00Z applying for a mortgage and signing quick claim deed for ex wife at the divorce. http://www.zillow.com/advice-thread/applying-for-a-mortgage-and-signing-quick-claim-deed-for-ex-wife-at-the-divorce/533460/ I have just completed a divorce and signed a quick claim deed. Am I going to be able to qualify for a home loan or will I have to wait until she gets the financing in her name for the property. I checked my credit score while we were married and I have a 731. She said something about getting a new social security. I can put 20% down on a mortgage. Here is the best place to get a mortgage? &nbsp; &nbsp;<br \><br \>5 replies Sun, 23 Mar 2014 18:31:00 GMT http://www.zillow.com/advice-thread/applying-for-a-mortgage-and-signing-quick-claim-deed-for-ex-wife-at-the-divorce/533460/ 2014-03-23T18:31:00Z Is the seller resposible for anything found wrong with the well or septic system/mound system? http://www.zillow.com/advice-thread/Is-the-seller-resposible-for-anything-found-wrong-with-the-well-or-septic-system-mound-system/530307/ <p>Are they responsible for the inspection and to have it pumped?</p><br \><br \>4 replies Fri, 28 Feb 2014 05:21:00 GMT http://www.zillow.com/advice-thread/Is-the-seller-resposible-for-anything-found-wrong-with-the-well-or-septic-system-mound-system/530307/ 2014-02-28T05:21:00Z I would like to see the taxes and home values in Edgwater Community http://www.zillow.com/advice-thread/I-would-like-to-see-the-taxes-and-home-values-in-Edgwater-Community/530367/ 1 reply Fri, 28 Feb 2014 18:08:00 GMT http://www.zillow.com/advice-thread/I-would-like-to-see-the-taxes-and-home-values-in-Edgwater-Community/530367/ 2014-02-28T18:08:00Z