Zillow Advice RSS: Question-Discussion-Guide,Home Buying,MD http://www.zillow.com/advice/MD/home-buying/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Does my lender have to call the listing agent? http://www.zillow.com/advice-thread/Does-my-lender-have-to-call-the-listing-agent/507031/ I have a contract on a home. &nbsp;The listing agent is insisting that my lender call her. &nbsp;My agent is telling me that my lenders behavior is unacceptable. &nbsp;It's a credit union. &nbsp;So my question is does my lender have to call the listing agent? &nbsp;Is this customary? &nbsp;Can the listing agent just call my lender if she has any questions? &nbsp;I am buying my first home and I don't know whats customary or who is at fault? &nbsp;What do I do?<br \><br \>16 replies Thu, 15 Aug 2013 15:52:00 GMT http://www.zillow.com/advice-thread/Does-my-lender-have-to-call-the-listing-agent/507031/ 2013-08-15T15:52:00Z First time buyer - VA loan - How to start the home buying process - Crofton/Ellicott MD http://www.zillow.com/advice-thread/First-time-buyer-VA-loan-How-to-start-the-home-buying-process-Crofton-Ellicott-MD/548505/ First off, thanks in advance for any responses. My wife and I are looking to buy our first home in the upcoming months. Our rental lease ends mid September and we would like to move anytime after that. Up until this point we have only done research and spoken with few people for advice. We are looking for an area that has good schools, is safe, and near work. Also, we have softly decided on the Crofton and Ellicott City areas as primary locations due to the previously mentioned factors. We plan on using the VA loan and would like to minimize down payment and closing costs.<br/>1. When is the best time to get an agent and what are good ways about finding one?<br/>2. Will an agent be willing to work in different areas? (Ellicott and Crofton are about 30 minutes apart)<br/>3. When should we begin pursuing the actual purchase? I was told that the first months payment is typically included in the initial agreement, which is important as my BAH will be tied up through Mid September.<br/>4. For perspective, if we wanted to move into a house on 1 October, what is a good time frame to accomplish the different steps needed to purchase a home and what are those steps? <br/> <!--[if gte mso 9]><xml> </xml><![endif]--><!--[if gte mso 10]><style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-style-parent:""; line-height:115%; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-fareast-font-family:"Times New Roman";}</style><![endif]--><br \><br \>4 replies Sat, 05 Jul 2014 12:07:00 GMT http://www.zillow.com/advice-thread/First-time-buyer-VA-loan-How-to-start-the-home-buying-process-Crofton-Ellicott-MD/548505/ 2014-07-05T12:07:00Z i am thinking of buying a hud home in maryland how do i go about it? http://www.zillow.com/advice-thread/i-am-thinking-of-buying-a-hud-home-in-maryland-how-do-i-go-about-it/548510/ 4 replies Sat, 05 Jul 2014 13:59:00 GMT http://www.zillow.com/advice-thread/i-am-thinking-of-buying-a-hud-home-in-maryland-how-do-i-go-about-it/548510/ 2014-07-05T13:59:00Z Will I get approved for a mortgage as a PhD student http://www.zillow.com/advice-thread/Will-I-get-approved-for-a-mortgage-as-a-PhD-student/547931/ I will be attending John Hopkins starting this fall in a PhD program. I have a $32,000 yearly stipend for the next 5-6 years. I have been doing research and I can have a mortgage for the amount I am currently paying in rent. I &nbsp;plan on getting a 2 bedroom row home and having 2 roommates ( i live in the basement) So i will actually be making money. &nbsp;I also will receive grants in addition to my saving for the down payment.&nbsp;But I want to know if it is realistic that i will be approved for a loan? if so will i need a co-signer?<br \><br \>2 replies Mon, 30 Jun 2014 23:53:00 GMT http://www.zillow.com/advice-thread/Will-I-get-approved-for-a-mortgage-as-a-PhD-student/547931/ 2014-06-30T23:53:00Z Upside down http://www.zillow.com/advice-thread/Upside-down/547504/ Due to poor school systems my family needs to relocate. We spend $8000 a year on private schools and that will soon become $13000 a year. Before the downturn our house was appraised at $370000 now it's $245000. $244 is what we owe but our realtor says we might be lucky to get $220,000. We don't have any $ in the bank to cut the deficit. Any advice on how to improve our situation. We would love to move.<br \><br \>3 replies Fri, 27 Jun 2014 20:29:00 GMT http://www.zillow.com/advice-thread/Upside-down/547504/ 2014-06-27T20:29:00Z Are properties sold at auction potential listings? http://www.zillow.com/advice-thread/Are-properties-sold-at-auction-potential-listings/547371/ Properties listed under pre foreclosure etc show that were sold at auction.&nbsp;Are these properties typically 'flipped' and listed with a broker?&nbsp; If so, what is the average 'window' before it gets listed?<br \><br \>1 reply Thu, 26 Jun 2014 20:29:00 GMT http://www.zillow.com/advice-thread/Are-properties-sold-at-auction-potential-listings/547371/ 2014-06-26T20:29:00Z Price of home http://www.zillow.com/advice-thread/Price-of-home/546968/ Is the price of the home on 256 Belview Ave., Hagerstown, Maryland really $1,250 ?<br \><br \>2 replies Tue, 24 Jun 2014 18:19:00 GMT http://www.zillow.com/advice-thread/Price-of-home/546968/ 2014-06-24T18:19:00Z a former renter of mine posted a review of me that is not favorable. can i close my account to rese http://www.zillow.com/advice-thread/a-former-renter-of-mine-posted-a-review-of-me-that-is-not-favorable-can-i-close-my-account-to-rese/546915/ a former renter of mine posted a review of me that is not favorable and has nothing to do with rentals.&nbsp; he posed as a buyer.&nbsp; can i close my account to reset the reviews?&nbsp; or can it just be removed?&nbsp; please help!<br \><br \>0 replies Tue, 24 Jun 2014 15:16:00 GMT http://www.zillow.com/advice-thread/a-former-renter-of-mine-posted-a-review-of-me-that-is-not-favorable-can-i-close-my-account-to-rese/546915/ 2014-06-24T15:16:00Z Will I get my earnest money ($5,000) back? http://www.zillow.com/advice-thread/Will-I-get-my-earnest-money-5-000-back/545906/ I am buying a new property under construction. The house is about $510,000 and I had to deposit $5,000 when I signed the contract.<br/>The loan company is also the builder and they offered a $10,000 closing assistance. The loan officer is insisting that I sell my present home before closing on the new home.<br/>My question is this:<br/><br/>1. Will my earnest money be refunded if I can't get my house sold before closing date of new home?<br/><br/>Jay<br \><br \>6 replies Tue, 17 Jun 2014 18:06:00 GMT http://www.zillow.com/advice-thread/Will-I-get-my-earnest-money-5-000-back/545906/ 2014-06-17T18:06:00Z How do I view an address from here http://www.zillow.com/advice-thread/How-do-I-view-an-address-from-here/546527/ I would like to view 8624 Sandy Plains Road in21222<br \><br \>1 reply Sat, 21 Jun 2014 19:20:00 GMT http://www.zillow.com/advice-thread/How-do-I-view-an-address-from-here/546527/ 2014-06-21T19:20:00Z Rental investment property in Rockville-Gaithersburg-Germantown http://www.zillow.com/advice-thread/Rental-investment-property-in-Rockville-Gaithersburg-Germantown/540921/ I am looking to purchase rental investment property (possibly foreclosure and short sales) and was wondering if there are any experts here to help me out. Is there a strong reason why this isn't a good idea for a long term investment?<br/>&nbsp;<br \><br \>3 replies Thu, 15 May 2014 19:17:00 GMT http://www.zillow.com/advice-thread/Rental-investment-property-in-Rockville-Gaithersburg-Germantown/540921/ 2014-05-15T19:17:00Z When is the best time to start the home buying process? http://www.zillow.com/advice-thread/When-is-the-best-time-to-start-the-home-buying-process/525108/ Lease expires April 2015. When do I start the home buying process so I can be moved into my home by the end of April 2015?<br \><br \>15 replies Mon, 20 Jan 2014 13:21:00 GMT http://www.zillow.com/advice-thread/When-is-the-best-time-to-start-the-home-buying-process/525108/ 2014-01-20T13:21:00Z looking for condo http://www.zillow.com/advice-thread/looking-for-condo/542182/ need 3 beds 2 baths parking for 2 cars. One level with no one above or below us. Want to be around 50 miles of Germantown md . Price around 200.000 thank you harry brooke&nbsp;<br \><br \>3 replies Fri, 23 May 2014 14:46:00 GMT http://www.zillow.com/advice-thread/looking-for-condo/542182/ 2014-05-23T14:46:00Z Buying a house for the first time. http://www.zillow.com/advice-thread/Buying-a-house-for-the-first-time/543915/ Can get help from my VA.<br \><br \>4 replies Tue, 03 Jun 2014 19:10:00 GMT http://www.zillow.com/advice-thread/Buying-a-house-for-the-first-time/543915/ 2014-06-03T19:10:00Z How to ask for Home Inspection repairs in a direct sale http://www.zillow.com/advice-thread/How-to-ask-for-Home-Inspection-repairs-in-a-direct-sale/541357/ We are tenants and are buying our home from the landlords in a direct sale. &nbsp;We just had our home inspection done last week and aren't sure of the next step since we aren't using an agent. &nbsp;Do we send the owners the home inspection report and highlight the items we want repaired? Or do we withhold the inspection from them and just send them a list of repair items with a description?&nbsp;<br/><br/>Our inspector suggested we get the HVAC and A/C unit serviced and/or replaced since they are 14 years old. &nbsp;Should we get a repair man out to look at them and pay for that ourselves? Or, is it reasonable to ask the seller to do it? We don't want to get stuck buying new units in the next few years. Or would it be reasonable to ask for the seller to pay for a home warranty for a year?<br/><br/>Would appreciate any advice on this process since we are first time home buyers without an agent. Thank you!<br \><br \>5 replies Sun, 18 May 2014 20:28:00 GMT http://www.zillow.com/advice-thread/How-to-ask-for-Home-Inspection-repairs-in-a-direct-sale/541357/ 2014-05-18T20:28:00Z Listings of "rent to own" and "option to lease" a single family house or townhome in Laurel,Maryland http://www.zillow.com/advice-thread/Listings-of-rent-to-own-and-option-to-lease-a-single-family-house-or-townhome-in-Laurel-Maryland/473589/ <div>Hello,&nbsp;<br/><div>I'm looking for a single family house or townhouse 3+ bed/ 2+ bath in the price range max 1850.00 rent/lease per month in Laurel/Maryland.&nbsp;<br/><div>Please can you send me all info about what I have to do and listings.&nbsp;<br/><div>Thanks!&nbsp;<br/><div>Do you have access also to owner financing?&nbsp;<br/><div>Can you tell me more about "wrap" and "subject to".&nbsp;<br/><div>Thanks again!<br/><div>Greetings,<div>Udo</div></div></div></div></div></div></div></div></div><br \><br \>3 replies Tue, 08 Jan 2013 16:01:00 GMT http://www.zillow.com/advice-thread/Listings-of-rent-to-own-and-option-to-lease-a-single-family-house-or-townhome-in-Laurel-Maryland/473589/ 2013-01-08T16:01:00Z Bently Park Prices Too High? http://www.zillow.com/advice-thread/Bently-Park-Prices-Too-High/539481/ Hi, I am looking into possibly purchasing a &nbsp;home in the Bently Park community in Laurel, MD, but I'm hesitant because the starting prices for the NV Homes are from the mid $500's to low $600's. &nbsp;A very similar neighborhood just south of the site (just south of Greencastle) is registering previous sales (according to Zillow) in the $300's and $400's with current asking prices in the mid $500's. &nbsp;I'm also concerned about the high number of foreclosures in the area (PGC specifically). &nbsp;<br/><br/>&nbsp;--Is it normal for new construction to be overpriced relative to similar neighboring communities? &nbsp;How do I know if I'd be overpaying if the local comps are $100k below the asking price here? How are so many foreclosures in the area going to impact my property value, and shouldn't that be priced in?<br/>--Does anyone know the master development plan for the area? &nbsp;It seems pretty rural to me right now. &nbsp;Are the high prices in anticipation of future development? (wholefoods, starbucks, shopping, etc., LOL). &nbsp;As you can see a part of me is hesitant about moving to the burbs!<br/><br/>This is my first home and I really don't want to start off being underwater and overpaying.<br/><br/>Thanks,<br/>Dave<br \><br \>1 reply Tue, 06 May 2014 12:56:00 GMT http://www.zillow.com/advice-thread/Bently-Park-Prices-Too-High/539481/ 2014-05-06T12:56:00Z can having new credit hinder you from getting a usda loan http://www.zillow.com/advice-thread/can-having-new-credit-hinder-you-from-getting-a-usda-loan/538698/ In southern Maryland... Did everything lender said to do to a T" " and he is still saying we have no credit score been dealing with him since February. Considering looking for another lender. Becoming frustrated<br \><br \>3 replies Wed, 30 Apr 2014 17:48:00 GMT http://www.zillow.com/advice-thread/can-having-new-credit-hinder-you-from-getting-a-usda-loan/538698/ 2014-04-30T17:48:00Z How do you buy a pre foreclosure property http://www.zillow.com/advice-thread/How-do-you-buy-a-pre-foreclosure-property/535634/ Property is empty and is listed on Zillow as a pre foreclosure &nbsp;property.<br \><br \>3 replies Tue, 08 Apr 2014 17:28:00 GMT http://www.zillow.com/advice-thread/How-do-you-buy-a-pre-foreclosure-property/535634/ 2014-04-08T17:28:00Z How does one get more info on a home that is listed as "Make me Move?" http://www.zillow.com/advice-thread/How-does-one-get-more-info-on-a-home-that-is-listed-as-Make-me-Move/538921/ I filled out the form to get more info from the owner but never got a response.<br \><br \>1 reply Fri, 02 May 2014 14:04:00 GMT http://www.zillow.com/advice-thread/How-does-one-get-more-info-on-a-home-that-is-listed-as-Make-me-Move/538921/ 2014-05-02T14:04:00Z