Zillow Advice RSS: Question-Discussion-Guide,Mortgage Types,LA http://www.zillow.com/advice/LA/mortgage-mortgage-types/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Home Loan approval http://www.zillow.com/advice-thread/Home-Loan-approval/554858/ I was just recently married earlier this year and wanting to purchase a home. My credit score is a 700 and my other half has a 540.. I know I could be approved by myself but that lowers the amount I can purchase because of debt to income. Can I get approved even though my spouses score is much lower? What is the amount do&nbsp;we have to have down to purchase a home? I've been told 20% 10% 5% and 3%.. and 0% on VA all though neither is eligible for that. We are looking to purchase in the next 6 months and just want to have game plan in effect. purchase amount if it matters is 240,000- 275,000&nbsp;....Thanks to all that can assist..<br \><br \>4 replies Thu, 14 Aug 2014 22:33:00 GMT http://www.zillow.com/advice-thread/Home-Loan-approval/554858/ 2014-08-14T22:33:00Z Mom had reverse mortgage now home in my name but mortgage isn't http://www.zillow.com/advice-thread/Mom-had-reverse-mortgage-now-home-in-my-name-but-mortgage-isn%27t/524066/ Mom passed away 3 years ago...the home is now in my name when she passed however the mortgage is under my Mom's name. My home is in foreclosure in court. I can't qualify for a loan due too credit @ the moment. Is there anyway I can STOP this foreclosure proceeding or stall it until I can try other avenues to save my home?<br/><br/>I live in New Orleans, Louisiana.<br \><br \>2 replies Sat, 11 Jan 2014 05:08:00 GMT http://www.zillow.com/advice-thread/Mom-had-reverse-mortgage-now-home-in-my-name-but-mortgage-isn%27t/524066/ 2014-01-11T05:08:00Z Which is better, putting a down payment ( 20%) or opting for 0 down ? http://www.zillow.com/advice-thread/Which-is-better-putting-a-down-payment-20-or-opting-for-0-down/505553/ My goal is to have a low monthly mortgage note. Should I put twenty percent down to insure this. Or long term what is the benefit, if any, of holding on to it, while financing a larger amount?<br \><br \>8 replies Tue, 06 Aug 2013 20:28:00 GMT http://www.zillow.com/advice-thread/Which-is-better-putting-a-down-payment-20-or-opting-for-0-down/505553/ 2013-08-06T20:28:00Z can I get a loan for $40,000 for land? http://www.zillow.com/advice-thread/can-I-get-a-loan-for-40-000-for-land/539807/ I plan to build a year after aquiring the land. I'm single no kids. Make 70,000 a year and no debt. Cc balances are zero. Two cars both paid off. Fico scores are experian 620, equifax 618 and transition 670. Any help/advice greatly appreciated. Thanks<br \><br \>1 reply Thu, 08 May 2014 04:19:00 GMT http://www.zillow.com/advice-thread/can-I-get-a-loan-for-40-000-for-land/539807/ 2014-05-08T04:19:00Z Can I use rental property as collateral to buy another? I have poor credit. http://www.zillow.com/advice-thread/Can-I-use-rental-property-as-collateral-to-buy-another-I-have-poor-credit/500198/ 0 replies Wed, 03 Jul 2013 18:31:00 GMT http://www.zillow.com/advice-thread/Can-I-use-rental-property-as-collateral-to-buy-another-I-have-poor-credit/500198/ 2013-07-03T18:31:00Z All in one construction http://www.zillow.com/advice-thread/All-in-one-construction/499569/ My name is Kay Simmons I am a loan officer at Whitney bank. I offer a one time close construction permanent loan where u close on both at the same time which saves a lot of closing cost!&nbsp;[Promotion and contact information removed by Zillow moderator. Please see our Good Neighbor Policy for more information.]<br \><br \>0 replies Sat, 29 Jun 2013 06:11:00 GMT http://www.zillow.com/advice-thread/All-in-one-construction/499569/ 2013-06-29T06:11:00Z I am interested in purchasing a listing you have on Zillow. http://www.zillow.com/advice-thread/I-am-interested-in-purchasing-a-listing-you-have-on-Zillow/495167/ It is listed as a commercial buildig on 1 acre of land. We will make it our home. We will do some remodeling/interior construction. How do I get a loan for this purchase? I have contacted some local mortgage companies and was told they could not finance this because it is not a brick/wood home. A metal structure is not considered a home. Please help.<br \><br \>2 replies Mon, 03 Jun 2013 15:33:00 GMT http://www.zillow.com/advice-thread/I-am-interested-in-purchasing-a-listing-you-have-on-Zillow/495167/ 2013-06-03T15:33:00Z I received my home in our divorce. We are both on the deed but I am not listed as a borrower on loan http://www.zillow.com/advice-thread/I-received-my-home-in-our-divorce-We-are-both-on-the-deed-but-I-am-not-listed-as-a-borrower-on-loan/447270/ I own a business and have paid the mortgage every month out of my account since the beginning (June 2005). The original loan was $189,000. The balance is near $155,000 and the house recently appraised around $200,000. My credit is not that great. I must either sell or finance in my name. Don't want to be uprooted. What can I do?<br \><br \>1 reply Mon, 18 Jun 2012 14:39:00 GMT http://www.zillow.com/advice-thread/I-received-my-home-in-our-divorce-We-are-both-on-the-deed-but-I-am-not-listed-as-a-borrower-on-loan/447270/ 2012-06-18T14:39:00Z renovation loan http://www.zillow.com/advice-thread/renovation-loan/401449/ <p>I want to renovate my home in New Orleans that was flooded by Katrina. I was told that I&nbsp;need a renovation loan but I can't' find a carrier in Louisiana. Does anyone know where I can apply for a&nbsp;renovation loan? Also is this the only option available&nbsp;for me?</p><br \><br \>1 reply Wed, 01 Jun 2011 22:10:00 GMT http://www.zillow.com/advice-thread/renovation-loan/401449/ 2011-06-01T22:10:00Z