Zillow Advice RSS: Question-Discussion-Guide,Buying Process,Stockton- CA http://www.zillow.com/advice/Stockton-CA/home-buying-buying-process/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Pot house http://www.zillow.com/advice-thread/Pot-house/377999/ i am purchasing a house. But inspection revealed that the house might have been used to grow marijuana. I do not know what to do. Can i rent it out in future.<br \><br \>10 replies Fri, 17 Dec 2010 05:32:00 GMT http://www.zillow.com/advice-thread/Pot-house/377999/ 2010-12-17T05:32:00Z How long do I have to wait to buy another home after a short sale? http://www.zillow.com/advice-thread/How-long-do-I-have-to-wait-to-buy-another-home-after-a-short-sale/521763/ I applied for a home loan and the lender told me that I would have to wait 2 years after my short sale to purchase another home. He did say I could apply for a conventional loan which required a huge down payment. I wanted to know was this true. It will be two years in March of 2014.<br \><br \>2 replies Mon, 16 Dec 2013 18:56:00 GMT http://www.zillow.com/advice-thread/How-long-do-I-have-to-wait-to-buy-another-home-after-a-short-sale/521763/ 2013-12-16T18:56:00Z Is it possible to buy a home with little or no credit history with upward of 10% down? http://www.zillow.com/advice-thread/Is-it-possible-to-buy-a-home-with-little-or-no-credit-history-with-upward-of-10-down/515885/ &nbsp;Several years ago I ruined my credit. &nbsp;I've since paid off all my debts and have not purchased anything on credit in over 10 years. Last time I checked my credit scores were between too low to estimate and 590. &nbsp; My family is telling me I will probably never find a lender to finance a house no matter how much I put down. &nbsp;I found a house I'm interested in purchasing. &nbsp;I could probably purchase the home out right but I would like to only put half down and finance the rest. Am I just dreaming?&nbsp;<br \><br \>4 replies Sat, 19 Oct 2013 16:53:00 GMT http://www.zillow.com/advice-thread/Is-it-possible-to-buy-a-home-with-little-or-no-credit-history-with-upward-of-10-down/515885/ 2013-10-19T16:53:00Z Wil I still qualify for down payment assistance with 1 year legal residence in U.S http://www.zillow.com/advice-thread/Wil-I-still-qualify-for-down-payment-assistance-with-1-year-legal-residence-in-U-S/507120/ 1 reply Fri, 16 Aug 2013 02:03:00 GMT http://www.zillow.com/advice-thread/Wil-I-still-qualify-for-down-payment-assistance-with-1-year-legal-residence-in-U-S/507120/ 2013-08-16T02:03:00Z Ok we got approved for an VA loan, now how do we fine someone to sell us an home with one? As soon a http://www.zillow.com/advice-thread/Ok-we-got-approved-for-an-VA-loan-now-how-do-we-fine-someone-to-sell-us-an-home-with-one-As-soon-a/493510/ As soon as we fine a home and bid on it and they see its a VA loan they turn us down. Even&nbsp;HUD homes refuse to fix anything so the VA would approve the home. My husband is an disable VET and served 20 years and he cant even get a foot in a door to buy his very first home. Does anyone know in the Stockton, Ca. area that sales home that will accept and VA loan or are there&nbsp;any company who sell home to only VA or at least put them first in line? Please help.&nbsp;<br \><br \>4 replies Thu, 23 May 2013 03:41:00 GMT http://www.zillow.com/advice-thread/Ok-we-got-approved-for-an-VA-loan-now-how-do-we-fine-someone-to-sell-us-an-home-with-one-As-soon-a/493510/ 2013-05-23T03:41:00Z Loan with a part-time job? http://www.zillow.com/advice-thread/Loan-with-a-part-time-job/482677/ I want to buy a home for around 70k, I have worked at the same job for almost 5 years, but only part time, I make around $10,000 each year. I recently started building my credit and currently my score is a 630 due to lack of credit history. Is is possible for me to get a loan even with though I only work part-time?<br \><br \>1 reply Wed, 13 Mar 2013 07:09:00 GMT http://www.zillow.com/advice-thread/Loan-with-a-part-time-job/482677/ 2013-03-13T07:09:00Z On an eviction - if you got judgement & the paperwork has gone to the sheriff, but the tennants have http://www.zillow.com/advice-thread/On-an-eviction-if-you-got-judgement-the-paperwork-has-gone-to-the-sheriff-but-the-tennants-have/456218/ 2 replies Sat, 18 Aug 2012 16:06:00 GMT http://www.zillow.com/advice-thread/On-an-eviction-if-you-got-judgement-the-paperwork-has-gone-to-the-sheriff-but-the-tennants-have/456218/ 2012-08-18T16:06:00Z Can a home purchase be funded and recorded in the same day? http://www.zillow.com/advice-thread/Can-a-home-purchase-be-funded-and-recorded-in-the-same-day/317117/ The house is in San Joaquin County CA.<br \><br \>4 replies Thu, 21 Jan 2010 23:07:00 GMT http://www.zillow.com/advice-thread/Can-a-home-purchase-be-funded-and-recorded-in-the-same-day/317117/ 2010-01-21T23:07:00Z Bankruptcy within 2 yrs credit score between 600-630 and want to buy a house. http://www.zillow.com/advice-thread/Bankruptcy-within-2-yrs-credit-score-between-600-630-and-want-to-buy-a-house/383176/ My husband and I are wanting to buy a house. My bankruptcy is Nov. 2010, his earlier that year. I'd be a first time buyer. What do I do to reestablish my credit to get a home loan? I am paying a car loan I've had through my bankruptcy. But nothing else on my credit. I've had my job with the state of California for almost 4 years, my husband has had his job with the state of California for 9 years.&nbsp;<br \><br \>6 replies Thu, 27 Jan 2011 05:38:00 GMT http://www.zillow.com/advice-thread/Bankruptcy-within-2-yrs-credit-score-between-600-630-and-want-to-buy-a-house/383176/ 2011-01-27T05:38:00Z Are there lenders still out there willing to work with 1st time homebuyers with zero down payment? http://www.zillow.com/advice-thread/Are-there-lenders-still-out-there-willing-to-work-with-1st-time-homebuyers-with-zero-down-payment/405497/ Can I get some feedback on what to expect if I could afford the monthly payment of $2000, but don't have money for a down payment? Is it true that I could ask the seller to pay the closing costs? If so, what are the chances having that happen in today's market?<br \><br \>22 replies Wed, 29 Jun 2011 05:17:00 GMT http://www.zillow.com/advice-thread/Are-there-lenders-still-out-there-willing-to-work-with-1st-time-homebuyers-with-zero-down-payment/405497/ 2011-06-29T05:17:00Z Can I qualify for a better loan by myself if my spouse has bad credit? http://www.zillow.com/advice-thread/Can-I-qualify-for-a-better-loan-by-myself-if-my-spouse-has-bad-credit/405471/ Is it necessary that the lender run both of our credit scores if we know that I might qualify for a better mortgage loan without him. I'm afraid that if we run both our credit scores together, it would lower our chances of getting into a home.<br \><br \>9 replies Wed, 29 Jun 2011 01:31:00 GMT http://www.zillow.com/advice-thread/Can-I-qualify-for-a-better-loan-by-myself-if-my-spouse-has-bad-credit/405471/ 2011-06-29T01:31:00Z did any one ever die @ 1245 n. sierra nevada st/stockton,ca? http://www.zillow.com/advice-thread/did-any-one-ever-die-1245-n-sierra-nevada-st-stockton-ca/374279/ 6 replies Tue, 09 Nov 2010 02:58:00 GMT http://www.zillow.com/advice-thread/did-any-one-ever-die-1245-n-sierra-nevada-st-stockton-ca/374279/ 2010-11-09T02:58:00Z New FHA changes http://www.zillow.com/advice-thread/New-FHA-changes/317594/ <div style="text-align: left;">What do you think about the new <a href="http://www.zillow.com/fha-loan/">FHA loan</a> changes?<br/><div style="text-align: left;"><br/><ol style="text-align: right;"><li style="text-align: left;list-style-type: decimal; list-style-position: outside; list-style-image: initial; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px;">Mortgage insurance premium (MIP) will be increased to build up capital reserves and bring back private lending.</li><li style="text-align: left;list-style-type: decimal; list-style-position: outside; list-style-image: initial; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px;">Update the combination of <a href="http://www.zillow.com/mortgage-glossary/FICO/">FICO</a> scores and down payments for new borrowers.</li><li style="text-align: left;list-style-type: decimal; list-style-position: outside; list-style-image: initial; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px;">Reduce allowable seller concessions from 6% to 3%.</li><li style="text-align: left;list-style-type: decimal; list-style-position: outside; list-style-image: initial; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px;">Increase enforcement on FHA lenders.</li></ol><div style="text-align: left;"><br/><div style="text-align: left;">How will these changes effect the <a href="http://www.zillow.com/reports/RealEstateMarketReports.htm">real estate market</a>, if any?<br/></div></div></div></div><br \><br \>0 replies Sat, 23 Jan 2010 06:16:00 GMT http://www.zillow.com/advice-thread/New-FHA-changes/317594/ 2010-01-23T06:16:00Z 8000 Tax Credit and form 1040X and 5405 http://www.zillow.com/advice-thread/8000-Tax-Credit-and-form-1040X-and-5405/280296/ Hi,<br/><br/>In 2008 return, I used old address. Now I am filing amend for 2008 return for 8k credit. So I need to submit 1040X and 5405.<br/>in form 1040X, should I use the old address (as I submitted on 2008 return)?<br/>5405 is quite simple. We need to use my new home address.<br/><br/>Thanks<br/><br \><br \>2 replies Sat, 19 Sep 2009 16:35:00 GMT http://www.zillow.com/advice-thread/8000-Tax-Credit-and-form-1040X-and-5405/280296/ 2009-09-19T16:35:00Z About Vesting on Title http://www.zillow.com/advice-thread/About-Vesting-on-Title/264806/ Hi,<br/>It's not a <a href="http://www.zillow.com/learnmore/what-zillow-offers-buyers.htm">home buying</a> process but it is somehow related. I am confuse about the vesting on title.<br/>In "Community property with right of survivorship", if one co-owner dies, it automatically goes to another co-owner (between husband and wife).<br/>But if both dies, what will happen? <br/>"Last survivor owns property in severalty". But if there is no kids, who will that property? according to the will or heirs?<br/><br/>Thanks<br \><br \>0 replies Wed, 05 Aug 2009 17:15:00 GMT http://www.zillow.com/advice-thread/About-Vesting-on-Title/264806/ 2009-08-05T17:15:00Z What things can I ask back from seller? http://www.zillow.com/advice-thread/What-things-can-I-ask-back-from-seller/259336/ Hi,<br/><br/>I got a purchase contract now. I don't know what things to ask back from seller. My agent told me this is the competitive market and we won't get back things from seller. I am buying REO home so what should I normally ask credit from bank (seller)? I am thinking of asking minor repair cost, one year home insurance. Any other things in your mind or suggestion.<br/>Thanks<br \><br \>4 replies Wed, 22 Jul 2009 20:39:00 GMT http://www.zillow.com/advice-thread/What-things-can-I-ask-back-from-seller/259336/ 2009-07-22T20:39:00Z My wife as a co-buyer http://www.zillow.com/advice-thread/My-wife-as-a-co-buyer/255655/ Hi,<br/>I am targeting to <a href="http://www.zillow.com/learnmore/what-zillow-offers-buyers.htm">buy a home</a> at 175K. My income is 45K/yr and I can down 20%. My wife and I have scores &gt;750.<br/>I am thinking of whether lander will approve the <a href="http://www.zillow.com/mortgage/">loan</a> only with my name or not. Do I have to include my wife as a co-buyer if I choose 30yr fixed conforming loan? Some says it is required only for <a href="http://www.zillow.com/fha-loan/">FHA</a>. Any suggestion on that?<br/><br/>Thanks<br \><br \>3 replies Mon, 13 Jul 2009 05:49:00 GMT http://www.zillow.com/advice-thread/My-wife-as-a-co-buyer/255655/ 2009-07-13T05:49:00Z Rate Lock http://www.zillow.com/advice-thread/Rate-Lock/255152/ Hi,<br/><br/>I am a <a href="http://www.zillow.com/learnmore/what-zillow-offers-buyers.htm">first time home buyer</a> and don't know much of the process. My freind told me during shopping for a home, they locked in the rate before the purchase contract. Is that true? When I talked to the bank or broker, I was responded that <a href="http://www.zillow.com/mortgage-glossary/Rate-Lock/">rate lock</a> is best only after we got a contract? Any suggestion on that.<br/><br/>Thanks<br/>zzhh<br \><br \>1 reply Sat, 11 Jul 2009 19:05:00 GMT http://www.zillow.com/advice-thread/Rate-Lock/255152/ 2009-07-11T19:05:00Z Should I go with Bank or Mortgage Broker? http://www.zillow.com/advice-thread/Should-I-go-with-Bank-or-Mortgage-Broker/250183/ Hi,<br/><br/>I am now trying to buy REO Home.&nbsp; Some says better to go with reputable landers (such as famous banks) to get a deal or contract. What about going with <a href="http://www.zillow.com/mortgage/">Mortgage</a> brokers?&nbsp; How the REO seller look at the buyer side? Will there be delay in contract?&nbsp; Can I ask <a href="http://www.zillow.com/mortgage-glossary/Pre-Approval/">pre-approval</a> letters from both from bank and broker?<br/><br/>Thanks<br/>zzhh<br \><br \>15 replies Fri, 26 Jun 2009 17:53:00 GMT http://www.zillow.com/advice-thread/Should-I-go-with-Bank-or-Mortgage-Broker/250183/ 2009-06-26T17:53:00Z if my credit score is 587 is my interest rate going to 6.5 could i get a better rate http://www.zillow.com/advice-thread/if-my-credit-score-is-587-is-my-interest-rate-going-to-6-5-could-i-get-a-better-rate/249712/ 4 replies Thu, 25 Jun 2009 07:16:00 GMT http://www.zillow.com/advice-thread/if-my-credit-score-is-587-is-my-interest-rate-going-to-6-5-could-i-get-a-better-rate/249712/ 2009-06-25T07:16:00Z