Zillow Advice RSS: Question-Discussion-Guide,Lenders,GA http://www.zillow.com/advice/GA/pro-to-pro-lenders/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate I'm looking for an attorney with reasonable fees to close on a owner financed property..Know anyone? http://www.zillow.com/advice-thread/I%27m-looking-for-an-attorney-with-reasonable-fees-to-close-on-a-owner-financed-property-Know-anyone/423784/ 2 replies Wed, 23 Nov 2011 04:23:00 GMT http://www.zillow.com/advice-thread/I%27m-looking-for-an-attorney-with-reasonable-fees-to-close-on-a-owner-financed-property-Know-anyone/423784/ 2011-11-23T04:23:00Z National Bank of Kansas City http://www.zillow.com/advice-thread/National-Bank-of-Kansas-City/203672/ I have a question for any employee of this bank to respond to. Since the first of this year, I have seen 4 different representatives quoting in Georgia. The quotes always have 1 point discount and no origination fee. All 4 reps have basically the same notes to the borrower including:<br/><br/>NOTE: This quote is given with 1 percent <a href="http://www.zillow.com/mortgage/">loan</a> discount charged to you. That equals 1 percent of the loan amount. If you wish to have a quote with NO discount points and only $555 of lender fees, please contact me for a personalized quote. The rate with no points is just slightly higher than the rate you were quoted.<br/><br/>Georgia homeowners are protected by&nbsp;GAFLA, Georgia Fair Lending Act, which includes the following language:<br/><strong>Bona fide discount points</strong> <strong>means discount points knowingly paid by the borrower for the express purpose of reducing, and which in fact do&nbsp;result in a&nbsp;bona fide reduction of the <a href="http://www.zillow.com/Mortgage_Rates/">interest rate</a> applicable to the home loan.<br/><br/>My question to your bank is do you feel you are exempt from GAFLA?<br/>You must,&nbsp;unless you are doing <a href="http://www.zillow.com/mortgage/">loans</a> just for the&nbsp;$515 lender&nbsp;fee.<br/><br/>GAFLA was designed to protect against predators but it also covers deceit.</strong><br \><br \>32 replies Wed, 25 Feb 2009 13:12:00 GMT http://www.zillow.com/advice-thread/National-Bank-of-Kansas-City/203672/ 2009-02-25T13:12:00Z " New to Zillow " really? http://www.zillow.com/advice-thread/New-to-Zillow-really/357598/ Zillow, brokers and lenders that do not&nbsp;have a lender rating&nbsp;have a designation of "New to Zillow" on quotes submitted to borrowers. The 1st 2 lenders I looked at have been on Zillow&nbsp;for 2 years and both have over 5,000 quotes. In fact, 1 of them did have a 5/5 rating until you removed that rating because the review came from an employee. Why put that comment at all since the majority are not new, they just cant compete? &nbsp;&nbsp;<br \><br \>8 replies Tue, 13 Jul 2010 15:34:00 GMT http://www.zillow.com/advice-thread/New-to-Zillow-really/357598/ 2010-07-13T15:34:00Z API button for APPLY NOW button for Zillow quotes http://www.zillow.com/advice-thread/API-button-for-APPLY-NOW-button-for-Zillow-quotes/340274/ Where can I find more info on API for Apply now button so we automate that function?<br \><br \>1 reply Fri, 02 Apr 2010 21:43:00 GMT http://www.zillow.com/advice-thread/API-button-for-APPLY-NOW-button-for-Zillow-quotes/340274/ 2010-04-02T21:43:00Z Zillow, can you move this guy to the Top Perps List? http://www.zillow.com/advice-thread/Zillow-can-you-move-this-guy-to-the-Top-Perps-List/277308/ <a href="http://www.zillow.com/mortgage/LoanRequestAndQuotes.htm?loanRequestId=X1-ZRz1wzuzel78qu_5xifk">3% Leniency</a><br/><br/>Client has $5000 for down payment( 98% LTV ), needs $8750, but the perp quotes it anyway. Then, in his notes as on every FHA quote he says 97% leniency, WHAT??????&nbsp;Somehow he has a magic lender that requires 1/2 point less down payment than every other lender in the country.&nbsp;The $1 Origination Fee ( intentional )&nbsp;is also disgusting. Allowing this means you condone it. &nbsp;&nbsp;&nbsp;<br \><br \>6 replies Thu, 10 Sep 2009 14:12:00 GMT http://www.zillow.com/advice-thread/Zillow-can-you-move-this-guy-to-the-Top-Perps-List/277308/ 2009-09-10T14:12:00Z Looking for a non warrantable condo loan in Ga. 20 units, investor owns 3 http://www.zillow.com/advice-thread/Looking-for-a-non-warrantable-condo-loan-in-Ga-20-units-investor-owns-3/281513/ owner occupied purchase.<br \><br \>3 replies Wed, 23 Sep 2009 14:49:00 GMT http://www.zillow.com/advice-thread/Looking-for-a-non-warrantable-condo-loan-in-Ga-20-units-investor-owns-3/281513/ 2009-09-23T14:49:00Z Zillow's 100% Loans Come In 3 Flavors http://www.zillow.com/advice-thread/Zillow%27s-100-Loans-Come-In-3-Flavors/280714/ <a href="http://www.zillow.com/mortgage/LoanRequestAndQuotes.htm?request=ZR-FQGYNNX">Take Your Pick</a><br/><br/>You can have it in Conventional, FHA, or USDA.&nbsp;<br/>&nbsp;<br \><br \>5 replies Mon, 21 Sep 2009 03:44:00 GMT http://www.zillow.com/advice-thread/Zillow%27s-100-Loans-Come-In-3-Flavors/280714/ 2009-09-21T03:44:00Z Zillow, Why Are You So Easily Fooled? http://www.zillow.com/advice-thread/Zillow-Why-Are-You-So-Easily-Fooled/280532/ <a href="http://www.zillow.com/profile/Karen-Labord/Reviews-received/">Closed in 3 Days</a><br/><br/><strong>This lender started quoting on September 8, 2009</strong>. The reviewer signed up on Zillow the same day, the review says closed loan and reviewed on September 11, 3 days later. The original review, with the same dates and from the same reviewer, went into great detail about closing their loan.&nbsp;That review was highlighted on this thread:<br/><br/><a href="http://www.zillow.com/advice-thread/277686/">http://www.zillow.com/advice-thread/277686/</a><br/><br/>If you did act on it back on Sept 11 and removed or if they deleted it before you got to it, they&nbsp;simply submitted another review, just without all the details that had BIG HOLES in the story.&nbsp;It still has 1 big hole, closed in 3 days.&nbsp;<br/><br \><br \>1 reply Sun, 20 Sep 2009 15:07:00 GMT http://www.zillow.com/advice-thread/Zillow-Why-Are-You-So-Easily-Fooled/280532/ 2009-09-20T15:07:00Z Borrowers, Use The Review Process to Help Everyone http://www.zillow.com/advice-thread/Borrowers-Use-The-Review-Process-to-Help-Everyone/276287/ Borrowers, after getting quotes on Zillow, it is important to NOT ignore changes from a Zillow quote to the Broker's/Lender's Good Faith Estimate. I am not talking about fees outside of the 800 section, or prepaids, but am talking about fees quoted&nbsp;in the 800&nbsp;section and terms/rates. I just read the review below on a <a href="http://www.zillow.com/directory/lenders/">lender</a> and it is important to leave a review like this, if this happens to you. The borrower is 100%&nbsp;correct in their assumption:<br/><br/><strong>Zillow quote was 4.50% with .50 origination. The <a href="http://www.zillow.com/mortgage-glossary/Good-Faith-Estimate-%28GFE%29/">good faith estimate</a> was 4.875% with 1% origination. Was told rates moved. Don't think they moved that much in 2 days. Sounds like bait and switch to me. BEWARE<br/><br/></strong>Many of us see quotes everyday that can not be delivered and you should point this out if it happens to you. Also, be sure to READ the reviews as some <a href="http://www.zillow.com/directory/lenders/">lenders</a> can have a green bar because of their overall&nbsp;average&nbsp;even while the last 4 reviews are horrible. READ.<br \><br \>8 replies Mon, 07 Sep 2009 12:11:00 GMT http://www.zillow.com/advice-thread/Borrowers-Use-The-Review-Process-to-Help-Everyone/276287/ 2009-09-07T12:11:00Z JAMES WORNAST & ZILLOW http://www.zillow.com/advice-thread/JAMES-WORNAST-ZILLOW/275292/ I thought it was about complaints regarding the dishonest quoting. But now I think it's about the negative remarks directed at James Wornast.<br/><br/>Yesterday ZMM closed a tread to responses. Today they closed a thread and moved it. The only time in the past were this was done&nbsp;was when the thread was not on topic.&nbsp;<br/><br/>On top of this, Lindsey lost her badge yesterday for standing up for her ligitimate USDA quote.<br/><br/>Is James that influential? Does ZMM want to lose the "regulars" on <a href="http://www.zillow.com/mortgage/">Mortgage</a> Advice? I stopped manual quoting and I will not go the API route. I won't quote BS to make my phone ring. <br/><br/>Many "regulars" feel the same. If the "regulars" cannot speak their honest opinions without getting "slapped," why contribute your time when it's not appreciated? ..... Rudi<br/><br \><br \>5 replies Thu, 03 Sep 2009 22:54:00 GMT http://www.zillow.com/advice-thread/JAMES-WORNAST-ZILLOW/275292/ 2009-09-03T22:54:00Z (Moved): Borrowers, Are Your Quotes Not Good Enough? http://www.zillow.com/advice-thread/Moved-Borrowers-Are-Your-Quotes-Not-Good-Enough/275280/ This discussion has been moved to the following location: <a href="http://www.zillow.com/advice-thread/Borrowers-Are-Your-Quotes-Not-Good-Enough/271895/">http://www.zillow.com/advice-thread/Borrowers-Are-Your-Quotes-Not-Good-Enough/271895/</a><br \><br \>0 replies Thu, 03 Sep 2009 22:26:00 GMT http://www.zillow.com/advice-thread/Moved-Borrowers-Are-Your-Quotes-Not-Good-Enough/275280/ 2009-09-03T22:26:00Z Borrowers, Are Your Quotes Not Good Enough? http://www.zillow.com/advice-thread/Borrowers-Are-Your-Quotes-Not-Good-Enough/271895/ In order to see ALL quotes submitted, you have to return to your quotes after the initial surge and answer yes to "&nbsp;Do you want to see more quotes ", that will enable all Custom&nbsp;quotes to be populated into the mix. If you have any notes to <a href="http://www.zillow.com/directory/lenders/">lender</a> that dont seem to be addressed in the initial wave, they will be on the Custom quotes. &nbsp;<br \><br \>65 replies Tue, 25 Aug 2009 16:14:00 GMT http://www.zillow.com/advice-thread/Borrowers-Are-Your-Quotes-Not-Good-Enough/271895/ 2009-08-25T16:14:00Z How do I post a rating for a mortgage lender? http://www.zillow.com/advice-thread/How-do-I-post-a-rating-for-a-mortgage-lender/273876/ 1 reply Sun, 30 Aug 2009 22:33:00 GMT http://www.zillow.com/advice-thread/How-do-I-post-a-rating-for-a-mortgage-lender/273876/ 2009-08-30T22:33:00Z what Banks is very good at helping consumer purchase homes in the Atlanta,GA area http://www.zillow.com/advice-thread/what-Banks-is-very-good-at-helping-consumer-purchase-homes-in-the-Atlanta-GA-area/231285/ 1 reply Tue, 05 May 2009 07:27:00 GMT http://www.zillow.com/advice-thread/what-Banks-is-very-good-at-helping-consumer-purchase-homes-in-the-Atlanta-GA-area/231285/ 2009-05-05T07:27:00Z How do I get the "Lender Information" and "Contact Lender" displayed on my quotes? Mac http://www.zillow.com/advice-thread/How-do-I-get-the-Lender-Information-and-Contact-Lender-displayed-on-my-quotes-Mac/189588/ The "Lender Information and "Contact Lender" is not displayed on my quotes.&nbsp; It only shows up at the bottom of "Note from Lender".&nbsp; How do I get it displayed?<br/><br/>Mac Scarce<br/>McCurdy Mortgage<br/><a href="mailto:mccurdymtg@aol.com" rel="nofollow">mccurdymtg@aol.com</a><br \><br \>0 replies Sun, 18 Jan 2009 14:15:00 GMT http://www.zillow.com/advice-thread/How-do-I-get-the-Lender-Information-and-Contact-Lender-displayed-on-my-quotes-Mac/189588/ 2009-01-18T14:15:00Z what if http://www.zillow.com/advice-thread/what-if/187092/ i have this property im interest in asking 135,000 its a flatplex with a tenant already in (a friend) on section 8 paying 975 . i want to know will i qualify to purchsaed this property with my situation.&nbsp;&nbsp; im disabled and receive 750 amonth right now my only expenses is rent i always pay my credit cards off every month my score last time in nov. was 730 i have 8,000 in the bank and is waiting for a lump sum of 25,000 from ssi please respond i really like this house it next door to where i live now (with my mother) should I take&nbsp; a risk. i would like a 15 or 20 year fixed <a href="http://www.zillow.com/mortgage/">loan</a> i and a ga. deam certifate which allow me assistant and i qualify for others also.&nbsp; thanks<br \><br \>1 reply Sat, 10 Jan 2009 19:53:00 GMT http://www.zillow.com/advice-thread/what-if/187092/ 2009-01-10T19:53:00Z