Zillow Advice RSS: Question-Discussion-Guide,Pro-to-Pro,Saint Paul- MN http://www.zillow.com/advice/Saint-Paul-MN/pro-to-pro/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Home Purchase after Short Sale, Never Late! http://www.zillow.com/advice-thread/Home-Purchase-after-Short-Sale-Never-Late/427078/ We had to accomplish&nbsp;a short sale on our home in Las Vegas, NV in Oct 2010 due to a forced Military move to Minot, ND.&nbsp; The <a href="http://www.zillow.com/mortgage-rates/">mortgage</a> was a 30 year conventional and was never paid late in the 41 months we owned it.&nbsp; At the time of the sale we did not qualify for federal assistance due to our income levels and we were not eligible for the Military Homeowners Assistance Program due to program eligibility dates.&nbsp; Neither of these issues were waiverable.&nbsp; Additionally, Nevada law allows the lender to seek deficiency in a short sale since we have the income to pay it back.&nbsp; We now carry the balance of our mortgage on a 20 year note to the tune of $75k.&nbsp; Or credit reflects a short sale but no default or late payments to any creditor since reporting began.&nbsp; It also reflects that we are paying the shortage.&nbsp;FHA allows a purchaser to buy a home if there were no late payments; default; preforeclosure; and/or foreclosure&nbsp;in the preceding 12 months, but most lenders have stricter requirements.&nbsp; Is there still a lender for ND <a href="http://www.zillow.com/mortgage-rates/">mortgages</a> that will lend at FHA guidelines with 5% down.<br/><br/>From FHA ML 09-52; Handbook 4155.1: 4.C.2.I<br/> <br/>When a previously owned property was sold for less than what was owed (short sale), borrowers are considered eligible for a FHA insured mortgage if, as of the <a href="http://www.zillow.com/mortgage-glossary/Loan-Application/">loan application</a> date, all mortgage and installment debt payments were made within the month due for the twelve months preceding the short sale.<br/> <br/>Borrowers that were in default at the time of the short sale (or pre-foreclosure sale) are not eligible for three years from the date of the sale.<br/> <br/>Borrowers who pursued a short sale agreement on their principal residence to take advantage of declining market conditions and purchase a similar or superior property within a reasonable commuting distance are not eligible for a new FHA insured mortgage.<br \><br \>0 replies Thu, 29 Dec 2011 19:49:00 GMT http://www.zillow.com/advice-thread/Home-Purchase-after-Short-Sale-Never-Late/427078/ 2011-12-29T19:49:00Z Can I get a Mortgage after a Short Sale? We had a forced Military move in Oct 2010. Never Late!! http://www.zillow.com/advice-thread/Can-I-get-a-Mortgage-after-a-Short-Sale-We-had-a-forced-Military-move-in-Oct-2010-Never-Late/427069/ We had to accomplish&nbsp;a short sale on our home in Las Vegas, NV in Oct 2010 due to a forced Military move to Minot, ND.&nbsp; The <a href="http://www.zillow.com/mortgage-rates/">mortgage</a> was a 30 year conventional and was never paid late in the 41 months we owned it.&nbsp; At the time of the sale we did not qualify for federal assistance due to our income levels and we were not eligible for the Military Homeowners Assistance Program due to program eligibility dates.&nbsp; Neither of these issues were waiverable.&nbsp; Additionally, Nevada law allows the lender to seek deficiency in a short sale since we have the income to pay it back.&nbsp; We now carry the balance of our mortgage on a 20 year note to the tune of $75k.&nbsp; Or credit reflects a short sale but no default or late payments to any creditor since reporting began.&nbsp; It also reflects that we are paying the shortage.&nbsp;FHA allows a purchaser to buy a home if there were no late payments; default; preforeclosure; and/or foreclosure&nbsp;in the preceding 12 months, but most <a href="http://www.zillow.com/directory/lenders/">lenders</a> have stricter requirements.&nbsp; Is there still a lender for ND <a href="http://www.zillow.com/mortgage-rates/">mortgages</a> that will lend at FHA guidelines with 5% down.<br \><br \>1 reply Thu, 29 Dec 2011 18:55:00 GMT http://www.zillow.com/advice-thread/Can-I-get-a-Mortgage-after-a-Short-Sale-We-had-a-forced-Military-move-in-Oct-2010-Never-Late/427069/ 2011-12-29T18:55:00Z I have permission to list a property for rent. It is also currently listed for sale. What can I do? http://www.zillow.com/advice-thread/I-have-permission-to-list-a-property-for-rent-It-is-also-currently-listed-for-sale-What-can-I-do/391559/ I have permission from the owner to list this home for "rent", while at the same time, it is being listed for "Sale" by another Realtor. <br/>I am not having any luck posting my listing because I get a message saying it's already posted.<br/>Please let me know what I can do about this.<br/>Thank you.<br/>Nancy Roddy<br/>Exit Realty Metro<br \><br \>2 replies Sun, 20 Mar 2011 22:12:00 GMT http://www.zillow.com/advice-thread/I-have-permission-to-list-a-property-for-rent-It-is-also-currently-listed-for-sale-What-can-I-do/391559/ 2011-03-20T22:12:00Z Do you have a yearly unlimited rental listing fee option? http://www.zillow.com/advice-thread/Do-you-have-a-yearly-unlimited-rental-listing-fee-option/339840/ I noticed you charge $9.95 for a single featured rental lising.&nbsp; I'm just wondering if you have a unlimited monthly or yearly fee option?<br \><br \>0 replies Thu, 01 Apr 2010 15:04:00 GMT http://www.zillow.com/advice-thread/Do-you-have-a-yearly-unlimited-rental-listing-fee-option/339840/ 2010-04-01T15:04:00Z How do I contact someone directly from Zillow to have them look into a listing that isn't showing up http://www.zillow.com/advice-thread/How-do-I-contact-someone-directly-from-Zillow-to-have-them-look-into-a-listing-that-isn%27t-showing-up/272370/ 3 replies Wed, 26 Aug 2009 14:50:00 GMT http://www.zillow.com/advice-thread/How-do-I-contact-someone-directly-from-Zillow-to-have-them-look-into-a-listing-that-isn%27t-showing-up/272370/ 2009-08-26T14:50:00Z