Zillow Advice RSS: Question-Discussion-Guide,Home Buying,KY http://www.zillow.com/advice/KY/home-buying/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate New to the home buying process http://www.zillow.com/advice-thread/New-to-the-home-buying-process/596140/ My husband and I are starting the home buying process. We want to get the down payment assistance offered through the city. We have to do homeowners classes and get preaproved first. My question is when do we get a realtor? Do we need one now or after going through the classes?<br \><br \>3 replies Fri, 17 Jul 2015 23:11:00 GMT http://www.zillow.com/advice-thread/New-to-the-home-buying-process/596140/ 2015-07-17T23:11:00Z Is the only way to locate a home is to click on the red or pink dots. That is much to time consumin http://www.zillow.com/advice-thread/Is-the-only-way-to-locate-a-home-is-to-click-on-the-red-or-pink-dots-That-is-much-to-time-consumin/601353/ 2 replies Fri, 21 Aug 2015 19:15:00 GMT http://www.zillow.com/advice-thread/Is-the-only-way-to-locate-a-home-is-to-click-on-the-red-or-pink-dots-That-is-much-to-time-consumin/601353/ 2015-08-21T19:15:00Z How can I buy new home before existing home sells? How can I finance improvements? http://www.zillow.com/advice-thread/How-can-I-buy-new-home-before-existing-home-sells-How-can-I-finance-improvements/594451/ Our home is paid off and valued around 100,000. We are wanting to get our retirement home in another city where you get more house for the money. All of our money went to pay off our house, so we don't have a down payment for another house. We want to buy a newer home at roughly the same cost our current house is worth. We don't have any retirement accounts left due to paying extensive medical bills. We would also like to be able to borrow extra to pay for painting, flooring, fencing and general repairs both at the new house and our current house to make it more marketable. Our income is around 75,000 a year.<br \><br \>3 replies Tue, 07 Jul 2015 08:50:00 GMT http://www.zillow.com/advice-thread/How-can-I-buy-new-home-before-existing-home-sells-How-can-I-finance-improvements/594451/ 2015-07-07T08:50:00Z can i start the pre approval process without husband present? http://www.zillow.com/advice-thread/can-i-start-the-pre-approval-process-without-husband-present/589651/ We are going to cub bank in ky. We wantto start the process, but he ccan't take off work this week at all. I know all information needed, but not sure if I canstart without him bbeing there?<br \><br \>5 replies Wed, 03 Jun 2015 14:17:00 GMT http://www.zillow.com/advice-thread/can-i-start-the-pre-approval-process-without-husband-present/589651/ 2015-06-03T14:17:00Z FHA PRN NURSE http://www.zillow.com/advice-thread/FHA-PRN-NURSE/591358/ Can I get a home loan fha with a 624 credit score? Also I make about 60,000 a year. I work two jobs prn as a nurse. One job I have had 3 years the other 2 years. I work full time hours. My income is steady and I get paid w2's. I am currently buying a mobile home on contract and have 12 month canceled checks to verify payment history . I have one credit card with over 90% available credit. And 3 small personal loans and car payment totalling around 550.00 a month. Plus student loan of 124.00 a month . Mobile home payment is 400.00 a month. I already have someone who will buy mobile home if I get a home. My main question is about employment . It is continuous and is expected to last indefinetly. They can verify I work on average at one 32-34 hours a week and the other 12 hours a week. Would this be sufficient?<br \><br \>4 replies Mon, 15 Jun 2015 16:05:00 GMT http://www.zillow.com/advice-thread/FHA-PRN-NURSE/591358/ 2015-06-15T16:05:00Z What subdivisions with HOA would be 10 minute drive to airport? http://www.zillow.com/advice-thread/What-subdivisions-with-HOA-would-be-10-minute-drive-to-airport/544239/ Looking for 3 car garage, fenced yard, 4bedroom or three and office, prefer two bedrooms on main floor.<br \><br \>2 replies Thu, 05 Jun 2014 17:20:00 GMT http://www.zillow.com/advice-thread/What-subdivisions-with-HOA-would-be-10-minute-drive-to-airport/544239/ 2014-06-05T17:20:00Z Walking away from home before closing. http://www.zillow.com/advice-thread/Walking-away-from-home-before-closing/588608/ Me and my wife found a house that we thought would be our new home, we put in our offer on February 28th if I remember correctly. We still have not closed on this house. From everything that I can see, it's due to the finance team dragging their feet. We have submitted ALL paperwork in a timely fashion, most of it being submitted prior to us going into underwriting. Certain conditions were addressed before underwriting. To my knowledge there have been no issues with underwriting. But the appraiser has had to go out a few times now. The intial time, then to check off on some repairs, and latest because the underwriter said our area was declared a disaster area by Fema so they have to check and make sure that no damage was done. Bottom line, we are tired of waiting. I have multiple friends that have closed in 30 days. Between us having to keep coming out of pocket for the appraiser and waiting all this time. We are considering walking away. Is this possible, without any consequences?<br \><br \>9 replies Wed, 27 May 2015 14:23:00 GMT http://www.zillow.com/advice-thread/Walking-away-from-home-before-closing/588608/ 2015-05-27T14:23:00Z Who do I contact to by a foreclosure listed on Zillow? http://www.zillow.com/advice-thread/Who-do-I-contact-to-by-a-foreclosure-listed-on-Zillow/588027/ I see the house listed on Zillow.&nbsp; However, I do not see who to contact.&nbsp; Thx, David<br \><br \>2 replies Fri, 22 May 2015 12:22:00 GMT http://www.zillow.com/advice-thread/Who-do-I-contact-to-by-a-foreclosure-listed-on-Zillow/588027/ 2015-05-22T12:22:00Z What is Lot size? http://www.zillow.com/advice-thread/What-is-Lot-size/492696/ 3 replies Thu, 16 May 2013 22:56:00 GMT http://www.zillow.com/advice-thread/What-is-Lot-size/492696/ 2013-05-16T22:56:00Z Looking to buy a condo near Highlands Douglas area http://www.zillow.com/advice-thread/Looking-to-buy-a-condo-near-Highlands-Douglas-area/579753/ I am trying to buy a second home (preferably a condo) near Highlands Douglas area.&nbsp;&nbsp;<strong>I will be renting out the condo in 2 yrs.</strong>&nbsp;<br \><br \>5 replies Sat, 21 Mar 2015 17:31:00 GMT http://www.zillow.com/advice-thread/Looking-to-buy-a-condo-near-Highlands-Douglas-area/579753/ 2015-03-21T17:31:00Z who pays closing costs http://www.zillow.com/advice-thread/who-pays-closing-costs/585926/ Is it usda approved. 404-Brookwood-Dr-Alexandria-KY<br \><br \>4 replies Thu, 07 May 2015 16:31:00 GMT http://www.zillow.com/advice-thread/who-pays-closing-costs/585926/ 2015-05-07T16:31:00Z Qualifications for Investment Property Purchase in Bowling Green http://www.zillow.com/advice-thread/Qualifications-for-Investment-Property-Purchase-in-Bowling-Green/472949/ Need to speak with a professional about credit qualifying and down pymt options for purchasing an investment property in Bowling Green.&nbsp; I wanted to see if anyone knew what you needed to qualify, credit score, down pymt, etc and also if you can do a FHA loan for investment property and loan limits.<br \><br \>2 replies Thu, 03 Jan 2013 02:58:00 GMT http://www.zillow.com/advice-thread/Qualifications-for-Investment-Property-Purchase-in-Bowling-Green/472949/ 2013-01-03T02:58:00Z How long do you have to wait to buy a home after you file bankruptcy http://www.zillow.com/advice-thread/How-long-do-you-have-to-wait-to-buy-a-home-after-you-file-bankruptcy/547710/ 2 replies Sun, 29 Jun 2014 14:14:00 GMT http://www.zillow.com/advice-thread/How-long-do-you-have-to-wait-to-buy-a-home-after-you-file-bankruptcy/547710/ 2014-06-29T14:14:00Z How can I determine if I can qualify to buy a home? http://www.zillow.com/advice-thread/How-can-I-determine-if-I-can-qualify-to-buy-a-home/532237/ I'm about to be married in May. I'm 32 years old.<br \><br \>6 replies Thu, 13 Mar 2014 21:11:00 GMT http://www.zillow.com/advice-thread/How-can-I-determine-if-I-can-qualify-to-buy-a-home/532237/ 2014-03-13T21:11:00Z what is zestimate? http://www.zillow.com/advice-thread/what-is-zestimate/576664/ 3 replies Mon, 23 Feb 2015 13:29:00 GMT http://www.zillow.com/advice-thread/what-is-zestimate/576664/ 2015-02-23T13:29:00Z How should or how do you expect a real estate agent to dress? http://www.zillow.com/advice-thread/How-should-or-how-do-you-expect-a-real-estate-agent-to-dress/393006/ There is much talk about the dress of real estate agents.&nbsp; Should they dress professional (coat/tie for men, pant suit for women) or are slacks with a pressed shirt ok?&nbsp; How about jeans?&nbsp; Lets hear it from everyone....agents, brokers, customers/clients?&nbsp; Does it really make a difference who you pick as an agent based on how they dress?<br \><br \>19 replies Wed, 30 Mar 2011 19:28:00 GMT http://www.zillow.com/advice-thread/How-should-or-how-do-you-expect-a-real-estate-agent-to-dress/393006/ 2011-03-30T19:28:00Z what does short sale mean and BPO? http://www.zillow.com/advice-thread/what-does-short-sale-mean-and-BPO/435103/ I am interested in a property that is listed as a short sale....and it needs some updating and repairs<br/><br \><br \>4 replies Wed, 14 Mar 2012 03:21:00 GMT http://www.zillow.com/advice-thread/what-does-short-sale-mean-and-BPO/435103/ 2012-03-14T03:21:00Z Looking for Broker to assist with home purchase using va loan in Northern Kentucky http://www.zillow.com/advice-thread/Looking-for-Broker-to-assist-with-home-purchase-using-va-loan-in-Northern-Kentucky/576154/ I'm currently looking to purchase a house using my va loan in Northern Kentucky. I have had past credit issues due to a divorce in the past but have been working to correct them. My fico score is back to 580 currently, and Im still working to improve. I just applied for my COE yesterday which the VA states will take 4-6 weeks but I have been told that brokers or agents could retrieve one in a matter of minutes or hours using a system not available to the public. I'm interested in getting the process moving forward as I would like to purchase if possible in the next few months. If anyone has any advise or could help I would appreciate it. Thanks<br \><br \>1 reply Wed, 18 Feb 2015 16:59:00 GMT http://www.zillow.com/advice-thread/Looking-for-Broker-to-assist-with-home-purchase-using-va-loan-in-Northern-Kentucky/576154/ 2015-02-18T16:59:00Z Short Sale http://www.zillow.com/advice-thread/Short-Sale/571389/ I have a feeling that I know the answer, but I have a question about short sales. Me and my wife put an offer in on a house on 9/30. It is a short sale, handled by Chase Bank. We have been going back and forth with them asking for additional paperwork. They got an appraisal done, but I am not sure what the value came back at. Most recently on 12/26/14 the bank asked for another pre-approval letter making sure we were still approved. Is this potential good news, or is it just protocol for them to do that? We have been seemingly patient throughout this process and will continue to be. Also, we offered the full asking price.. But we were told that the price could have been lowered to that price point just to generate interest, so I am hoping the bank accepts what we offered. Any advice would be greatly appreciated.&nbsp;<br \><br \>10 replies Tue, 06 Jan 2015 16:53:00 GMT http://www.zillow.com/advice-thread/Short-Sale/571389/ 2015-01-06T16:53:00Z I am looking for investments houses any suggestions http://www.zillow.com/advice-thread/I-am-looking-for-investments-houses-any-suggestions/572538/ Houses in the $50,000 range fixer upper's.<br \><br \>3 replies Sat, 17 Jan 2015 19:58:00 GMT http://www.zillow.com/advice-thread/I-am-looking-for-investments-houses-any-suggestions/572538/ 2015-01-17T19:58:00Z