Zillow Advice RSS: Question-Discussion-Guide,Mortgage Types,WV http://www.zillow.com/advice/WV/mortgage-mortgage-types/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Change of pay structure in the last 12 months. http://www.zillow.com/advice-thread/Change-of-pay-structure-in-the-last-12-months/589581/ My husband and I are trying to purchase a home in WV. He will be the primary resident and I will be non-occupant owner. I have been at the same company for 3 years but 12 months ago I switched jobs and I am now on base pay (minimum wage) plus commission. Commission makes up more than 80% of my income. We are trying to get an FHA loan but the trouble we are running into is that my commission pay is less than 24 months. I am looking for a lender that would be able to do the loan with only 12 months of commission income but 3 years in the same line of work for the same company.&nbsp;<br \><br \>1 reply Wed, 03 Jun 2015 01:25:00 GMT http://www.zillow.com/advice-thread/Change-of-pay-structure-in-the-last-12-months/589581/ 2015-06-03T01:25:00Z First Time Buyer - No Credit http://www.zillow.com/advice-thread/First-Time-Buyer-No-Credit/565553/ I am looking for some advice, I virtually have no credit. I own two vehicles a 13 Sonic and a 05 Corolla, both I paid for in full. All the bills I pay don't reflect on my score. I'm looking for a smaller end loan as I already own the property and I'm looking at a modular home, so the loan would be less than 100. Every online advert looks like a scam, no credit, no problem ! Just give us your social and credit card info and we'll send that right to you. Is there any legit bank that could help me? I make well above the poverty limit and have around 10% for a down payment.<br \><br \>10 replies Wed, 05 Nov 2014 23:18:00 GMT http://www.zillow.com/advice-thread/First-Time-Buyer-No-Credit/565553/ 2014-11-05T23:18:00Z Looking for a Mortgage Lender after Bankruptcy with a home included. http://www.zillow.com/advice-thread/Looking-for-a-Mortgage-Lender-after-Bankruptcy-with-a-home-included/500452/ I had a bankruptcy with a home included. It discharged about 2 1/2 years ago. I have had some loans since then and have paid everything perfect. My credit score is now 680 and I have good income with a down payment. I'm trying to find somewhere to get a mortgage but I'm not having much luck. Any suggestions?<br \><br \>2 replies Fri, 05 Jul 2013 17:09:00 GMT http://www.zillow.com/advice-thread/Looking-for-a-Mortgage-Lender-after-Bankruptcy-with-a-home-included/500452/ 2013-07-05T17:09:00Z Does anyone offer a 80 10 10 jumbo loan in WV? http://www.zillow.com/advice-thread/Does-anyone-offer-a-80-10-10-jumbo-loan-in-WV/494604/ We would like to purchase a home in the 500-600k range; however, the 20% down payment is an issue. We have income of ~200 k per year and excellent credit<br \><br \>2 replies Thu, 30 May 2013 15:42:00 GMT http://www.zillow.com/advice-thread/Does-anyone-offer-a-80-10-10-jumbo-loan-in-WV/494604/ 2013-05-30T15:42:00Z Hi Everyone,Can i get a mortgage with a credit score 548 - 580 ? http://www.zillow.com/advice-thread/Hi-Everyone-Can-i-get-a-mortgage-with-a-credit-score-548-580/490094/ <p>Based on spending ratio I can qualify for the amount of the loan I want.&nbsp; Is there anyone (lender) out there that can provide me with a program where I can qualify ?.&nbsp; I aam currently working on getting my score up.&nbsp; Thank you so much for any information you can provide.&nbsp; God Bless !</p><br \><br \>5 replies Mon, 29 Apr 2013 19:55:00 GMT http://www.zillow.com/advice-thread/Hi-Everyone-Can-i-get-a-mortgage-with-a-credit-score-548-580/490094/ 2013-04-29T19:55:00Z Investment property loan with poor/fair credit/bankruptcy http://www.zillow.com/advice-thread/Investment-property-loan-with-poor-fair-credit-bankruptcy/449796/ My wife and I own a few properties that we rent out and do not currently have a mortgage on.&nbsp; We would like get a mortgage/home equity loan on one of the properties.&nbsp; I had a a bankruptcy under 3 years ago and she had one 6 years ago.&nbsp; We have some credit issues.&nbsp; Is it impossible to get a loan on our properties?&nbsp; &nbsp;<br \><br \>1 reply Thu, 05 Jul 2012 20:40:00 GMT http://www.zillow.com/advice-thread/Investment-property-loan-with-poor-fair-credit-bankruptcy/449796/ 2012-07-05T20:40:00Z Is anyone aware of any lenders that are doing No doc, stated income/low doc loans in West Virginia http://www.zillow.com/advice-thread/Is-anyone-aware-of-any-lenders-that-are-doing-No-doc-stated-income-low-doc-loans-in-West-Virginia/412832/ 2 replies Tue, 23 Aug 2011 16:32:00 GMT http://www.zillow.com/advice-thread/Is-anyone-aware-of-any-lenders-that-are-doing-No-doc-stated-income-low-doc-loans-in-West-Virginia/412832/ 2011-08-23T16:32:00Z Trying to sell house & all who call ask about a Land Contract. Best way to help them find financing? http://www.zillow.com/advice-thread/Trying-to-sell-house-all-who-call-ask-about-a-Land-Contract-Best-way-to-help-them-find-financing/304523/ 1 reply Sun, 06 Dec 2009 23:17:00 GMT http://www.zillow.com/advice-thread/Trying-to-sell-house-all-who-call-ask-about-a-Land-Contract-Best-way-to-help-them-find-financing/304523/ 2009-12-06T23:17:00Z Can I buy a 2nd home close to mine and have it not considered investment property http://www.zillow.com/advice-thread/Can-I-buy-a-2nd-home-close-to-mine-and-have-it-not-considered-investment-property/208670/ I need to move my older sick mom close to me. Don't want to rent. Everyone I contact says due to location, it must be considered investment property, subject to 20% down and higher <a href="http://www.zillow.com/Mortgage_Rates/">interest rate</a>. are there any other ways to make this happen?<br \><br \>1 reply Tue, 10 Mar 2009 02:51:00 GMT http://www.zillow.com/advice-thread/Can-I-buy-a-2nd-home-close-to-mine-and-have-it-not-considered-investment-property/208670/ 2009-03-10T02:51:00Z