Zillow Advice RSS: Question-Discussion-Guide,Home Equity Loans,CO http://www.zillow.com/advice/CO/mortgage-home-equity-loans/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Need 90% LTV HELOC in Denver, CO 80210 http://www.zillow.com/advice-thread/Need-90-LTV-HELOC-in-Denver-CO-80210/548870/ Any financing recommendations for a 90% LTV HELOC in Denver?&nbsp;<br \><br \>5 replies Tue, 08 Jul 2014 15:12:00 GMT http://www.zillow.com/advice-thread/Need-90-LTV-HELOC-in-Denver-CO-80210/548870/ 2014-07-08T15:12:00Z Second mortgage to purchase new home http://www.zillow.com/advice-thread/Second-mortgage-to-purchase-new-home/530008/ I bought a home as my primary residence for 235,000 in May 2012. Currently the home is worth about 285,000 and have 220,000 on the mortgage which is FHA. We are moving too a new home as our primary residence and were planning on selling the old home for a down payment on the new home. I am considering keeping the old home and renting it out, and taking out a second mortgage on the old home for the down payment on the new home. Can I do this or is there something I'm missing?<br \><br \>8 replies Wed, 26 Feb 2014 01:32:00 GMT http://www.zillow.com/advice-thread/Second-mortgage-to-purchase-new-home/530008/ 2014-02-26T01:32:00Z My second mortgage was sold to HSBC and they changed the terms of the loan is this legal. http://www.zillow.com/advice-thread/My-second-mortgage-was-sold-to-HSBC-and-they-changed-the-terms-of-the-loan-is-this-legal/487356/ The original loan was a ten year $20,000 second mortgage from Bank of the West with payments of $227 a month it was sold to HSBC 2 years into the loan. they changed the term of the loan to 30 years 30,000 with monthly payments of $321 a month. we did not get informed of the 30 year change or the $30,000 change but we were informed about the monthly payment change. my wife continued to make payments on the loan with out asking any questions. the original term of the loan is up in 18 months. when we asked HSBC about the payoff we found out about the new details of the loan. I have a copy of my original loan and read the terms to HSBC on the phone. They told me they have a contract with my signature on it. I asked them to send me a copy of it. they told me 7 to 10 days for delivery no later than April 6 April 8 they told me it would be another 7 to ten days to arrive. I don't think they have a contract with my signature since I never would agree to those terms and sign a contract like that.What can I do to get this rectified since I'm sure <br/>I have already over paid the loan.<br \><br \>7 replies Thu, 11 Apr 2013 01:27:00 GMT http://www.zillow.com/advice-thread/My-second-mortgage-was-sold-to-HSBC-and-they-changed-the-terms-of-the-loan-is-this-legal/487356/ 2013-04-11T01:27:00Z possible to obtain a HELOC with a short sale on credit report? http://www.zillow.com/advice-thread/possible-to-obtain-a-HELOC-with-a-short-sale-on-credit-report/482933/ Lost a job due to economic downturn and took a new job in a different state approx. three years ago. &nbsp;Housing collapse made it impossible to sell my home at the time, so I turned it into a rental and had tenants in the home for a year and a half. &nbsp;In the mean time, I bought a new home in the new state. &nbsp;Eventually I did sell the rental via short sale (about 14 months ago). &nbsp;I now have approx 35-40% equity in the new home. &nbsp;I know fannie/freddie guidelines will prohibit a refi on my new home until two years have elapsed, but does anyone know if it will be possible to get a HELOC? &nbsp;FICO score was obviously impacted and is now 670 as of the last time I checked. &nbsp;Any advice or feedback is appreciated.<br \><br \>2 replies Thu, 14 Mar 2013 16:55:00 GMT http://www.zillow.com/advice-thread/possible-to-obtain-a-HELOC-with-a-short-sale-on-credit-report/482933/ 2013-03-14T16:55:00Z What can I do to get more (or better) quotes for my loan request ZR-SPPTQTS http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-SPPTQTS/451733/ 3 replies Thu, 19 Jul 2012 18:53:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-SPPTQTS/451733/ 2012-07-19T18:53:00Z What can I do to get more (or better) quotes for my loan request ZR-ZTRPBHC http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-ZTRPBHC/448282/ I'm looking for a home equity quote for my home in Colorado. &nbsp;Not sure why I'm not getting quotes? &nbsp;Thanks<br/><br/>Bernard<br/>(505) 263-5875<br \><br \>0 replies Mon, 25 Jun 2012 16:20:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-ZTRPBHC/448282/ 2012-06-25T16:20:00Z We want to do a large home remodel; how can we finance it? http://www.zillow.com/advice-thread/We-want-to-do-a-large-home-remodel-how-can-we-finance-it/418642/ Trying to figure out if we get a home equity loan now and then re-fi later?&nbsp; Personal loan now and then roll into a re-fi?&nbsp; Is there such a thing as a construction loan?&nbsp; How can we do this?&nbsp; Current home value about $280k, current loan amount $188k, think future home value would be $350k to $360k.<br \><br \>3 replies Sun, 09 Oct 2011 22:50:00 GMT http://www.zillow.com/advice-thread/We-want-to-do-a-large-home-remodel-how-can-we-finance-it/418642/ 2011-10-09T22:50:00Z What can I do to get more (or better) quotes for my loan request ZR-BZRGDWJ http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-BZRGDWJ/348801/ I'm trying to see what the market is like for 2nd mortgages.&nbsp; I'm getting the house appraised right now.<br/><br/>What are people lending now?&nbsp; Up to 80% LTV?&nbsp; 70%?<br/><br/>What other terms are key?<br \><br \>1 reply Thu, 06 May 2010 20:11:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-BZRGDWJ/348801/ 2010-05-06T20:11:00Z Mortgage broker to assist international buyers? http://www.zillow.com/advice-thread/Mortgage-broker-to-assist-international-buyers/304508/ I am a non-resident alien, looking to borrow to purchase a property in Seattle or Denver.&nbsp; <br/><br/>Does anyone know of a <a href="http://www.zillow.com/directory/lenders/">mortgage broker</a> that can assist?&nbsp;&nbsp;I will be purchasing on a tourist visa.&nbsp; Most banks are not too interested in helping (or in the case of Citibank, will lend but at an unrealistic&nbsp;premium of 4%). I have sufficient <a href="http://www.zillow.com/home-equity-loan/">home equity</a> and income.<br/><br/>I asked this question earlier but I have not received any brokers details.&nbsp; <br/><br/>Thanks<br/>Thanks<br \><br \>8 replies Sun, 06 Dec 2009 21:28:00 GMT http://www.zillow.com/advice-thread/Mortgage-broker-to-assist-international-buyers/304508/ 2009-12-06T21:28:00Z 82 year old wants to borrow $60,000 on home, with $0.00 mortgage. Fixed income 28k annual. Advice? http://www.zillow.com/advice-thread/82-year-old-wants-to-borrow-60-000-on-home-with-0-00-mortgage-Fixed-income-28k-annual-Advice/289981/ Credit Card and carpayment = 500.00. Would be paid off&nbsp;with loan.<br \><br \>7 replies Tue, 20 Oct 2009 14:52:00 GMT http://www.zillow.com/advice-thread/82-year-old-wants-to-borrow-60-000-on-home-with-0-00-mortgage-Fixed-income-28k-annual-Advice/289981/ 2009-10-20T14:52:00Z First Mortgage or HELOC http://www.zillow.com/advice-thread/First-Mortgage-or-HELOC/260638/ I made an offer on a fixer-upper that will be our primary residence.&nbsp; I made enough on the sale of our existing home to pay for it with 10K in change.&nbsp; I need about 25-30K to pay for improvements.&nbsp; Should I take out the smallest 1st <a href="http://www.zillow.com/mortgage/">Mortgage</a> available (about 50K) instead of buying the home outright, or apply for a HELOC (via my Credit Union and tied to Prime.)&nbsp; I shouldn't have any problems getting approved for a loan.<br \><br \>3 replies Sun, 26 Jul 2009 05:42:00 GMT http://www.zillow.com/advice-thread/First-Mortgage-or-HELOC/260638/ 2009-07-26T05:42:00Z