Zillow Advice RSS: Question-Discussion-Guide,Home Ownership,NC http://www.zillow.com/advice/NC/home-ownership/question-discussion-guide/mortgage/?s=0 Zillow Advice search results | Zillow Real Estate how do you know if you can afford to build a house? http://www.zillow.com/advice-thread/how-do-you-know-if-you-can-afford-to-build-a-house/537263/ You should consult with a mortgage professional to determine your eligibility for a construction loan. Please note that the following information is based on where I work - Florida: If you already own the land, you are looking purely at the cost to build, utilities, etc. You can look for a builder who can construct semi-custom homes. This means they already have the blueprints, specs etc. In my area of Florida, these types of homes start at approximately $170,000. This does not include installation of septic or well and does not include any county impact fees. Additionally, it only provides for a set amount of concrete slab for driveway and patio. Anything beyond this would be at an additional cost. Please keep in mind, that this assumes your lot is already level and cleared. My advice would be to discuss your financing options with a lender and ensure you understand how the process will work from a financing perspective.<br \><br \>0 replies Tue, 22 Apr 2014 13:29:00 GMT http://www.zillow.com/advice-thread/how-do-you-know-if-you-can-afford-to-build-a-house/537263/ 2014-04-22T13:29:00Z Can a spouse purchase a home without the the other spouse added to the loan? http://www.zillow.com/advice-thread/Can-a-spouse-purchase-a-home-without-the-the-other-spouse-added-to-the-loan/307879/ yes they can apply for a loan&nbsp; and qualify. the other spouse if wanting no interest in the property(divorce&nbsp;situation)&nbsp; you&nbsp;will need&nbsp;sign a marital waiver. if you do want interest in the property then you'll be on the deed not the loan<br/><br/>contact your <a href="http://www.zillow.com/mortgage/">mortgage</a> professional for specifics<br \><br \>0 replies Sun, 20 Dec 2009 18:19:00 GMT http://www.zillow.com/advice-thread/Can-a-spouse-purchase-a-home-without-the-the-other-spouse-added-to-the-loan/307879/ 2009-12-20T18:19:00Z Moving http://www.zillow.com/advice-thread/Moving/167220/ Hi, I plan to move to wake forest, NC and I need to know where do I apply for second <a href="http://www.zillow.com/mortgage/">mortgage</a> for a new home. I would LOVE to keep my primary home in Florida. Let me know,<br/>Thanks,<br/>Thomas J. DellaMonica of Palm Coast, FL<br \><br \>0 replies Sat, 01 Nov 2008 18:32:00 GMT http://www.zillow.com/advice-thread/Moving/167220/ 2008-11-01T18:32:00Z Selling your home FSBO or with Realtor http://www.zillow.com/advice-thread/Selling-your-home-FSBO-or-with-Realtor/72404/ We can pre-qual your buyer at no cost <br/>One Stop..One Shop <br/>All <a href="http://www.zillow.com/mortgage/">mortgage</a> programs in one place !<br/>Big <a href="http://www.zillow.com/mortgage/">Loans</a>, Average Loans, or small loans<br/>(704) 992-0940<br \><br \>0 replies Mon, 16 Jul 2007 20:57:00 GMT http://www.zillow.com/advice-thread/Selling-your-home-FSBO-or-with-Realtor/72404/ 2007-07-16T20:57:00Z Would you consider renting? http://www.zillow.com/advice-thread/Would-you-consider-renting/243650/ <br/>Hi dspatey,<br/><br/>If you are planning on renting I suggest consider some factors first, like how much will it cost you when you sign for a lease. In most cases, people usually end up paying an amount for a lease that will already equal the cost of a monthly <a href="http://www.zillow.com/mortgage/">mortgage</a> payment without getting the advantage of owning the property in the future. Renting has it's ups and downs, but investing in a property that will eventually become yours is more beneficial in my opinion.<br \><br \>0 replies Mon, 08 Jun 2009 17:10:00 GMT http://www.zillow.com/advice-thread/Would-you-consider-renting/243650/ 2009-06-08T17:10:00Z What cautions should I watch out for when looking at least to purchase options? http://www.zillow.com/advice-thread/What-cautions-should-I-watch-out-for-when-looking-at-least-to-purchase-options/186252/ <p>There are many. In North Carolina you are likely to enter into a Lease with Option to Purchase. This means you are setting a sale price today, putting a down payment, and then you are leasing the property.</p><br/><p>This is a LEASE. First and foremost. With a possibility of your getting a <a href="http://www.zillow.com/mortgage/">loan</a> to purchase the property later.</p><br/><p>So what is it that's keeping you from Purchasing now? Because you have to make sure that you can correct any barriers you currently have in time to qualify for your <a href="http://www.zillow.com/mortgage/">mortgage</a> to purchase the property under the terms of the Option to Purchase.</p><br/><p>You should hire an experienced Realtor who has handled these types of transactions who can help explain your options and help review any paperwork the seller may want you to sign. If you need a referral, feel free to click my profile to contact me.</p><br/><p>FHA Financing is not strictly credit-score driven. It is on-time payment driven. So you should probably put in a <a href="http://www.zillow.com/mortgage-glossary/Loan-Application/">loan application</a> even if you're afraid of being turned down. Then you will know what you need to correct in order to qualify for your mortgage later. This would be step one BEFORE you sign anything else. A Realtor can help you through this process.</p><br \><br \>0 replies Fri, 09 Jan 2009 00:11:00 GMT http://www.zillow.com/advice-thread/What-cautions-should-I-watch-out-for-when-looking-at-least-to-purchase-options/186252/ 2009-01-09T00:11:00Z What is the current mortgage on this home? http://www.zillow.com/advice-thread/What-is-the-current-mortgage-on-this-home/182278/ 0 replies Mon, 29 Dec 2008 16:18:00 GMT http://www.zillow.com/advice-thread/What-is-the-current-mortgage-on-this-home/182278/ 2008-12-29T16:18:00Z Fannie & Freddie extend moratorium until January 31 http://www.zillow.com/advice-thread/Fannie-Freddie-extend-moratorium-until-January-31/188798/ Another good reason to hold off buying.&nbsp; <br/><br/>As long as foreclosures are being put off, mortgages being "modified" (only to <a href="http://www.nakedcapitalism.com/2008/12/redefault-rate-on-mortgage-mods-55.html" rel="nofollow">default later</a>), and the new government is moving towards allowing bankruptcy judges to reduce principal, how can we not expect further downward correction in prices, <em>later</em>?<br/><br/><br/><br \><br \>0 replies Fri, 16 Jan 2009 00:53:00 GMT http://www.zillow.com/advice-thread/Fannie-Freddie-extend-moratorium-until-January-31/188798/ 2009-01-16T00:53:00Z This home is abandoned. Who is the mortgage lender? http://www.zillow.com/advice-thread/This-home-is-abandoned-Who-is-the-mortgage-lender/342288/ 0 replies Thu, 08 Apr 2010 23:34:00 GMT http://www.zillow.com/advice-thread/This-home-is-abandoned-Who-is-the-mortgage-lender/342288/ 2010-04-08T23:34:00Z Request Showing http://www.zillow.com/advice-thread/Request-Showing/63137/ Hi Ranya:<br/><br/>My name is Desiree Palmer and I am a licensed <a href="http://www.zillow.com/mortgage/">loan</a> officer. I noticed on Zillow that you are looking to purchase and would like to offer you a free <a href="http://www.zillow.com/mortgage/">mortgage</a> consultation. I have 150 banks that I am affiliated with and can get the the fianancing for your dream home. Please feel free to contact me at 919-659=1117<br \><br \>0 replies Tue, 05 Jun 2007 16:27:00 GMT http://www.zillow.com/advice-thread/Request-Showing/63137/ 2007-06-05T16:27:00Z What the down payments on the homes? http://www.zillow.com/advice-thread/What-the-down-payments-on-the-homes/340597/ That would depend on your mortgage financing and your offer.&nbsp; You should speak to your realtor.<br \><br \>0 replies Mon, 12 Apr 2010 00:55:00 GMT http://www.zillow.com/advice-thread/What-the-down-payments-on-the-homes/340597/ 2010-04-12T00:55:00Z when is it right to get a home equity mortgage or line of credit? http://www.zillow.com/advice-thread/when-is-it-right-to-get-a-home-equity-mortgage-or-line-of-credit/304616/ I want to add a deck and fence to backyard to make it useable and improve front yard and change a wall or two inside to make a walk in closet.<br \><br \>1 reply Mon, 07 Dec 2009 08:38:00 GMT http://www.zillow.com/advice-thread/when-is-it-right-to-get-a-home-equity-mortgage-or-line-of-credit/304616/ 2009-12-07T08:38:00Z Rent to Own http://www.zillow.com/advice-thread/Rent-to-Own/552977/ Its a good option if you can find a homeowner willing to cooperate in a owner financing sale. Normally you would need a form of down payment plus additional money on top of the agreed upon rent. It may be easier to Rent UNTIl you can OWN. Just take that down payment money and stick it away as well as any extra money you can save in order to prepare yourself for closing costs and home improvement. The common misconception when dealing with rent to own is that your rent payments go towards a mortgage or down payment. That is IN Correct. The rent god toward your current living arrangement then additional money would go towards a down payment. Good luck in your search!&nbsp;<br \><br \>0 replies Mon, 04 Aug 2014 13:40:00 GMT http://www.zillow.com/advice-thread/Rent-to-Own/552977/ 2014-08-04T13:40:00Z What can I do to get more (or better) quotes for my loan request ZR-MWDFQNS http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-MWDFQNS/365198/ I am a victim of credit card f\raud and theft.&nbsp; It is documented but has affected my credit score of course.&nbsp;&nbsp; It is still possible to get a mortgage?<br \><br \>0 replies Sun, 05 Sep 2010 20:55:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-MWDFQNS/365198/ 2010-09-05T20:55:00Z Why can't I get an accurate Owner's Estimate? http://www.zillow.com/advice-thread/Why-can%27t-I-get-an-accurate-Owner%27s-Estimate/244474/ Good question. That is probably one of the most important steps in the <a href="http://www.zillow.com/mortgage/">mortgage</a> process. many <a href="http://www.zillow.com/directory/lenders/">lenders</a> know that customers are shopping so they employ selective memory to make their deal look better than the next guy. I believe in being over conservative so at closing we have a happy customer<br \><br \>0 replies Thu, 02 Jul 2009 14:46:00 GMT http://www.zillow.com/advice-thread/Why-can%27t-I-get-an-accurate-Owner%27s-Estimate/244474/ 2009-07-02T14:46:00Z I was wondering hows the neighborhood? http://www.zillow.com/advice-thread/I-was-wondering-hows-the-neighborhood/61737/ Since, I represent the seller I cannot tell tell you if any previous offers have been made and how much they were. Everyone has different preceptions on how a neighborhood is, my advice to you would be to ride by the house at different times, night and day, that goes for any home you are interested in. I am available to show the home to you, but I do require that you have a prequalification letter from a reputable <a href="http://www.zillow.com/directory/lenders/">mortgage company</a> first- this is for two reasons 1. my safety & 2. my clients time. If you need some names and numbers I can send them to you.<br/>If you have any other questions please email me directly at libby.pondo@allentate.com or call my cell phone at 7040351-0307.<br \><br \>0 replies Sun, 27 May 2007 16:22:00 GMT http://www.zillow.com/advice-thread/I-was-wondering-hows-the-neighborhood/61737/ 2007-05-27T16:22:00Z Selling your home -FSBO or with Realtor http://www.zillow.com/advice-thread/Selling-your-home-FSBO-or-with-Realtor/72391/ Give us a call, we can help to pre-qual your buyer<br/>One Stop....One Shop<br/>All <a href="http://www.zillow.com/mortgage/">mortgage</a> programs in one place !<br/>Big <a href="http://www.zillow.com/mortgage/">Loans</a>, Average Loans, or small Loans<br/>(704) 992-0940<br \><br \>1 reply Mon, 16 Jul 2007 20:23:00 GMT http://www.zillow.com/advice-thread/Selling-your-home-FSBO-or-with-Realtor/72391/ 2007-07-16T20:23:00Z Great home, unreasonable price. Why so high? http://www.zillow.com/advice-thread/Great-home-unreasonable-price-Why-so-high/281795/ Freedom, any seller can ask any price they want. cash buyers can then pay that price if they wish. Mortgaged buyers on the other hand are limited by appraised value and therefore are limited in price.<br \><br \>0 replies Thu, 24 Sep 2009 04:41:00 GMT http://www.zillow.com/advice-thread/Great-home-unreasonable-price-Why-so-high/281795/ 2009-09-24T04:41:00Z Selling your home -FSBO or with a Realtor http://www.zillow.com/advice-thread/Selling-your-home-FSBO-or-with-a-Realtor/72392/ Give us a call, we can help to pre-qual your buyer<br/>ONe Stop...One Shop<br/>All <a href="http://www.zillow.com/mortgage/">mortgage</a> programs in one place !<br/>Big <a href="http://www.zillow.com/mortgage/">Loans</a>, Average Loans, or small loans<br/>(704) 992-0940<br \><br \>0 replies Mon, 16 Jul 2007 20:29:00 GMT http://www.zillow.com/advice-thread/Selling-your-home-FSBO-or-with-a-Realtor/72392/ 2007-07-16T20:29:00Z Selling your home-FSBO or with a Realtor http://www.zillow.com/advice-thread/Selling-your-home-FSBO-or-with-a-Realtor/72395/ Give us a call, we can help to pre-qual your buyer<br/>One Stop....One Shop<br/>All <a href="http://www.zillow.com/mortgage/">mortgage</a> programs in one place !<br/>Big <a href="http://www.zillow.com/mortgage/">Loans</a>, Average Loans, or small loans<br/>(704) 992-0940<br \><br \>0 replies Mon, 16 Jul 2007 20:35:00 GMT http://www.zillow.com/advice-thread/Selling-your-home-FSBO-or-with-a-Realtor/72395/ 2007-07-16T20:35:00Z