Zillow Advice RSS: Question-Discussion-Guide,Home Ownership,WV http://www.zillow.com/advice/WV/home-ownership/question-discussion-guide/mortgage/?s=0 Zillow Advice search results | Zillow Real Estate What is the best way to get financing for a new home? http://www.zillow.com/advice-thread/What-is-the-best-way-to-get-financing-for-a-new-home/525872/ Many companies have similar guidelines. FHA and VA have set guidelines and the individual mortgage companies/lenders may have more restrictive requirements.&nbsp;<br/><br/>Expect most government loans to require a &nbsp;620 middle credit score while a few will go down to 580.&nbsp;<br/><br/>If you are using an agent, they will generally know some good lenders in the area. &nbsp;I always prefer local lenders for 2 reasons. 1. &nbsp;They are more aware of the customs and business practices. &nbsp;2. If anything were to go wrong, they area car ride away. I have had clients want to loose out of state lenders and then 30 phone calls and 2 days later, STILL not be able to get someone on the phone (This is rare, but a good reason to stay local).&nbsp;<br/><br/>Good luck,&nbsp;<br \><br \>0 replies Sat, 25 Jan 2014 18:38:00 GMT http://www.zillow.com/advice-thread/What-is-the-best-way-to-get-financing-for-a-new-home/525872/ 2014-01-25T18:38:00Z Could the rent with option be started at occupancy if pre-qualified for a loan and in loan process? http://www.zillow.com/advice-thread/Could-the-rent-with-option-be-started-at-occupancy-if-pre-qualified-for-a-loan-and-in-loan-process/238930/ If you are leasing a home with an option, you should see a <a href="http://www.zillow.com/mortgage/">mortgage</a> person right away.<br \><br \>0 replies Tue, 26 May 2009 04:22:00 GMT http://www.zillow.com/advice-thread/Could-the-rent-with-option-be-started-at-occupancy-if-pre-qualified-for-a-loan-and-in-loan-process/238930/ 2009-05-26T04:22:00Z what happen when a house has a really low Appraisal compare of what the owner is asking? http://www.zillow.com/advice-thread/what-happen-when-a-house-has-a-really-low-Appraisal-compare-of-what-the-owner-is-asking/249345/ If the buyer using a mortgage company to finance the purchase of the home the mortgage company will only lend on homes that appraise for purchase price or more.<br \><br \>0 replies Sun, 16 May 2010 22:57:00 GMT http://www.zillow.com/advice-thread/what-happen-when-a-house-has-a-really-low-Appraisal-compare-of-what-the-owner-is-asking/249345/ 2010-05-16T22:57:00Z