Zillow Advice RSS: Question-Discussion-Guide,Local Topics,FL http://www.zillow.com/advice/FL/local-topics/question-discussion-guide/mortgage/?s=0 Zillow Advice search results | Zillow Real Estate What is the racial make-up by percentages? http://www.zillow.com/advice-thread/What-is-the-racial-make-up-by-percentages/395649/ Realtor and mortgage lenders will not be able to answer this question as it violates fair housing legislation. This is not the forum to ask such questions. Demographics is what you are looking for. Demographics include ages, incomes ect. For any given area. This information can be found in wikipedia or the us census.<br \><br \>0 replies Tue, 19 Apr 2011 12:21:00 GMT http://www.zillow.com/advice-thread/What-is-the-racial-make-up-by-percentages/395649/ 2011-04-19T12:21:00Z loan Modification http://www.zillow.com/advice-thread/loan-Modification/43093/ <p>Loan modification is just a repayment plan where we help borrowers who are paying adjustable rate to get a fixed <a href="http://www.zillow.com/Mortgage_Rates/">interest rate</a> and in some cases if the <a href="http://www.zillow.com/mortgage/">mortgage</a> balance is the reason of stressed out payments we also help in the principal reduction and in any case if there is a genuine hardship the payments are in any case gonna come down for the borrower.</p><p>To know more call</p><p>1 866 563 9094-Don Fraser(Home Relief Services)</p><br \><br \>0 replies Thu, 16 Oct 2008 21:26:00 GMT http://www.zillow.com/advice-thread/loan-Modification/43093/ 2008-10-16T21:26:00Z What are all the monthly costs I will have with a 1bedroom condo in the FL Keys? http://www.zillow.com/advice-thread/What-are-all-the-monthly-costs-I-will-have-with-a-1bedroom-condo-in-the-FL-Keys/531439/ Mortgage<br/><br/>Contents insurance (Condo's cover the building insurances) - Contents is usually pretty inexpensive, depends if you have any major items that you will need to have insured like Artwork, Jewelry, major appliances (Ultra large tv's are a big one now). &nbsp;<br/><br/>Depending on the condo, you may have one or more of the following utilities:<br/>- Electricity (usually not covered in condo fees)<br/>- Cable (sometimes covered in condo fees)<br/>- Internet (sometimes, but not usually covered in condo fees)<br/>- Water (usually covered in condo fees)<br/>- Sewer (usually covered in condo fees)<br/><br/>Condo fees (these could be monthly or quarterly)<br/><br/>Taxes (These are annual)<br \><br \>0 replies Sun, 09 Mar 2014 17:13:00 GMT http://www.zillow.com/advice-thread/What-are-all-the-monthly-costs-I-will-have-with-a-1bedroom-condo-in-the-FL-Keys/531439/ 2014-03-09T17:13:00Z what is a short sale http://www.zillow.com/advice-thread/what-is-a-short-sale/331053/ Sunny is almost right and her view is the typical way it's explained.&nbsp; A short sale is when the proceeds from the sale are less than the total of the outstanding liens.&nbsp; Those liens could include the mortgage(s), taxes, HOA and/or Condo dues, builder charges, etc.&nbsp; The lien holders line up in priority order to get their payments.&nbsp; It is usually the lender who has to agree to either forgive the balance of the loan or accept a new note for it.<br/><br \><br \>0 replies Fri, 05 Mar 2010 21:46:00 GMT http://www.zillow.com/advice-thread/what-is-a-short-sale/331053/ 2010-03-05T21:46:00Z i want to buy my first houseand use the 8000 tax credit to do it. need some advice on this http://www.zillow.com/advice-thread/i-want-to-buy-my-first-houseand-use-the-8000-tax-credit-to-do-it-need-some-advice-on-this/241910/ Hi my name is Simon Holmes and I work for Paramount <a href="http://www.zillow.com/mortgage/">Mortgage</a>. I just wanted to make sure someone answered your question. <br/><br/>[content removed by moderator for being self promotional]<br \><br \>0 replies Mon, 29 Jun 2009 21:12:00 GMT http://www.zillow.com/advice-thread/i-want-to-buy-my-first-houseand-use-the-8000-tax-credit-to-do-it-need-some-advice-on-this/241910/ 2009-06-29T21:12:00Z Are there real homeowners, or prospective buyers that benefit from the service Zillow provides? http://www.zillow.com/advice-thread/Are-there-real-homeowners-or-prospective-buyers-that-benefit-from-the-service-Zillow-provides/392969/ Yes.<br/><br/>As a homeowner, it was helpful in tracking trends in local values and general interest. Additionally, I ended up using a lender from the mortgage discussions.<br/><br/>As per "local values", Zestimates are pretty accurate in my area due to the quality of data available for Zillow to use.<br \><br \>0 replies Sun, 15 May 2011 14:26:00 GMT http://www.zillow.com/advice-thread/Are-there-real-homeowners-or-prospective-buyers-that-benefit-from-the-service-Zillow-provides/392969/ 2011-05-15T14:26:00Z What date was the below profile created? http://www.zillow.com/advice-thread/What-date-was-the-below-profile-created/397741/ <div class="contact-card clearfix"><div class="col1 w20">&nbsp;</div><div class="clearfix signature signature-large">Paul E. Lavancha II&nbsp; Voyage Mortgage</div></div><br \><br \>1 reply Thu, 05 May 2011 13:03:00 GMT http://www.zillow.com/advice-thread/What-date-was-the-below-profile-created/397741/ 2011-05-05T13:03:00Z MORGAGE AND NOTE http://www.zillow.com/advice-thread/MORGAGE-AND-NOTE/424030/ The mortgage is the legal document that ties the property to your loan.&nbsp; The note is the loan.&nbsp;<br/><br/> Did you sign the mortgage at the refinance closing?&nbsp; (I expect you did because you had to sign it to allow the refinance if you were one of the owners).&nbsp; You may have not signed the note.&nbsp; He probably signed it as the only one responsible to pay.&nbsp; (If he doesnt pay, you're both the owners and you'll both lose your home). <br/><br/>You can't be added to the note now.&nbsp; It is a contract between your husband and the bank.&nbsp; The bank agreed to the loan based on the information that was provided at the time of the application.&nbsp;They may or may not agree to loan to both of you-&nbsp; you'd have to start the process all over.&nbsp;<br \><br \>0 replies Mon, 19 Mar 2012 23:42:00 GMT http://www.zillow.com/advice-thread/MORGAGE-AND-NOTE/424030/ 2012-03-19T23:42:00Z Where can I find prices homes sold for? http://www.zillow.com/advice-thread/Where-can-I-find-prices-homes-sold-for/225230/ <em>It depends</em>.&nbsp; In my city the only record&nbsp; of sale price is on the MLS, assuming it was a listed property.<br/><br/>Our Country Clerk only records the deed and mortgage amount.<br/><br/>Our Central Appraisal Department only records the name change in ownership and date of transfer, then guesses at value.<br/><br/>If you ask a Realtor to do a market analysis you could ask them to be sure to include your list of sold properties and the Realtor should be able to include those houses along with the sales price.<br \><br \>0 replies Wed, 30 Jun 2010 19:34:00 GMT http://www.zillow.com/advice-thread/Where-can-I-find-prices-homes-sold-for/225230/ 2010-06-30T19:34:00Z I'm looking to buy a condo in Sunny Isles, Fl. How can I find out about the fiscal health of the bui http://www.zillow.com/advice-thread/I%27m-looking-to-buy-a-condo-in-Sunny-Isles-Fl-How-can-I-find-out-about-the-fiscal-health-of-the-bui/347452/ Your mortgage broker or lender may also be able to provide you insight into which buildings they can lend on, etc.&nbsp; Make sure to check with your lender before placing an offer.<br \><br \>0 replies Wed, 28 Apr 2010 21:50:00 GMT http://www.zillow.com/advice-thread/I%27m-looking-to-buy-a-condo-in-Sunny-Isles-Fl-How-can-I-find-out-about-the-fiscal-health-of-the-bui/347452/ 2010-04-28T21:50:00Z It's a "Buyers Market" But only if the Buyers Buy! http://www.zillow.com/advice-thread/It%27s-a-Buyers-Market-But-only-if-the-Buyers-Buy/290904/ You're right that in most places it's a buyers market. The number of buyers will therefore be less than the number of sellers. Hence, our tax dollars go to incentive program(s) to encourage more people to buy. In my opinion a free market recovers faster than one in which the government steps in and interferes. Where was the government interference when <a href="http://www.zillow.com/directory/lenders/">lenders</a> were loaning anybody mortgages? Perhaps having lunch with their favorite lobbyists from the <a href="http://www.zillow.com/mortgage/">mortgage</a> industry?<br \><br \>0 replies Fri, 23 Oct 2009 16:35:00 GMT http://www.zillow.com/advice-thread/It%27s-a-Buyers-Market-But-only-if-the-Buyers-Buy/290904/ 2009-10-23T16:35:00Z upside down what are alternatives? http://www.zillow.com/advice-thread/upside-down-what-are-alternatives/365106/ I understand how you feel. Take some comfort in that there are many others in the same situation as you right now. I personally have a balloon note coming due. Besides the rent not covering the payment, because it is a rental property, I cannot get a mortgage because it is not my primary residence. I have begun to negotiate with the lender to try to work&nbsp;a lowered payment out and discuss them extending the loan on a fixed rate. If they will not do that my plans are to let them do whatever they feel the need to since I am between a rock and a hard place. I do not have a second mortgage, but I will tell you this, they take second place to the primary loan holder. They actually have no collateral if what you say about the value is correct. I can't really tell you what would be best for you, but I hope my own personal experience gives you some help. Good luck, I hope you get it all worked out.<br \><br \>0 replies Sat, 04 Sep 2010 14:52:00 GMT http://www.zillow.com/advice-thread/upside-down-what-are-alternatives/365106/ 2010-09-04T14:52:00Z i filed bakcrupci in april last year,i have a house is in forclosure,but i dont own nothing \ http://www.zillow.com/advice-thread/i-filed-bakcrupci-in-april-last-year-i-have-a-house-is-in-forclosure-but-i-dont-own-nothing/381597/ You have to wait years to get another bank home loan.&nbsp; You could buy a house with cash.&nbsp; Maybe you can get the home seller to give you a mortgage.&nbsp; Don't laugh, I was in my mortgage broker's office when I overheard him giving hell to a person he had personally given a mortgage to who was late paying.&nbsp; Also, I was at a foreclosure auction where the person next to me was foreclosing on a mortgage he had personally given to somebody. Here's a link explaining it <a rel="nofollow" href="http://www.mortgagenewsdaily.com/wiki/Private_Mortgage_Investors.asp">http://www.mortgagenewsdaily.com/wiki/Private_Mortgage_Investors.asp</a><br/><br/>You would have to convince the home seller of your ability to pay and then get an honest mortgage broker to do the paperwork.&nbsp; Here's a quote from the link.<br/><br/>If you are just looking for an owner who will finance your purchase, check the for sale by owner ads. Most owners will say in the ad whether they are willing to finance the purchase. If you have your heart set on a house that is not FSBO or the owner hasn't mentioned it, ask. It's not something that people think of right away, but many people are open to it once it is explained to them. Particularly once they realize they can sell the mortgage if they need to get out. Otherwise, ask your agent to do some research on the internet or do it yourself. You could try contacting an investment firm which may be able to put you in touch with private mortgage sources.<br \><br \>0 replies Thu, 20 Jan 2011 04:27:00 GMT http://www.zillow.com/advice-thread/i-filed-bakcrupci-in-april-last-year-i-have-a-house-is-in-forclosure-but-i-dont-own-nothing/381597/ 2011-01-20T04:27:00Z