Zillow Advice RSS: Question-Discussion-Guide,Home Buying,Baltimore- MD http://www.zillow.com/advice/Baltimore-MD/home-buying/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate 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 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 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 Help with nice neighborhoods in and near Baltimore, MD http://www.zillow.com/advice-thread/Help-with-nice-neighborhoods-in-and-near-Baltimore-MD/533441/ I am a single older female looking to buy in the baltimore area.<br \><br \>3 replies Sun, 23 Mar 2014 16:06:00 GMT http://www.zillow.com/advice-thread/Help-with-nice-neighborhoods-in-and-near-Baltimore-MD/533441/ 2014-03-23T16:06:00Z How often due u update http://www.zillow.com/advice-thread/How-often-due-u-update/532094/ Too many times ur status is other then stated. Two houses say for sale we I call realtor he says "sold" other issues like that. Just need to know how dependable is zillow. Don't know if u can tell, on here every day for 8 months.<br \><br \>0 replies Wed, 12 Mar 2014 23:05:00 GMT http://www.zillow.com/advice-thread/How-often-due-u-update/532094/ 2014-03-12T23:05:00Z Do you need good credit to buy a house http://www.zillow.com/advice-thread/Do-you-need-good-credit-to-buy-a-house/530982/ 6 replies Wed, 05 Mar 2014 03:15:00 GMT http://www.zillow.com/advice-thread/Do-you-need-good-credit-to-buy-a-house/530982/ 2014-03-05T03:15:00Z Is buying a condo to rent out a wise idea for a recent college graduate? http://www.zillow.com/advice-thread/Is-buying-a-condo-to-rent-out-a-wise-idea-for-a-recent-college-graduate/530860/ Hello all!<br/><br/>I am a 23 year old recent college graduate with a full-time job with a gross yearly income of $71,000.&nbsp; I have college student loans which amount up to payments of $500 monthly.&nbsp; My rent currently is $700 in the Baltimore area. I have no major monthly expense other than the regular credit card bills, etc. My credit score is in the 700's - I have always paid any bills I've ever had in full. <br/><br/>I have been entertaining the idea of buying a condo to rent out for quite some time now.&nbsp; How realistic is it for me to carry out this dream keeping in mind I've only started working since last October (2013)? I am thinking about somewhere in downtown Baltimore. Will the rent break even with the mortgage and all other fees eventually paying itself off? I am not looking for it to profit me right away. I am patient enough to watch it profit me in the long run. <br/><br/>All opinions are appreciated!<br/><br/>It's okay to tell me if this is a very unwise decision if you truly believe so. I can take it :)<br \><br \>16 replies Tue, 04 Mar 2014 11:25:00 GMT http://www.zillow.com/advice-thread/Is-buying-a-condo-to-rent-out-a-wise-idea-for-a-recent-college-graduate/530860/ 2014-03-04T11:25:00Z pre forclosure properties http://www.zillow.com/advice-thread/pre-forclosure-properties/530691/ Hello I have been looking to buy a home I am trying to understand&nbsp;how&nbsp;the pre forclosure properties work if they are auctioned or do they just become forclosure properties there are a ggod bit of them on the street I live on now which is Scott Street.<br \><br \>1 reply Mon, 03 Mar 2014 14:36:00 GMT http://www.zillow.com/advice-thread/pre-forclosure-properties/530691/ 2014-03-03T14:36:00Z Looking to leverage $20K+ to purchase rental property in the range of $40-$70K-financing options? http://www.zillow.com/advice-thread/Looking-to-leverage-20K-to-purchase-rental-property-in-the-range-of-40-70K-financing-options/525871/ have 4 mortgages already ,yet looking purchase 2-3 add'l properties over next 18 months thru my young LLC<br \><br \>4 replies Sat, 25 Jan 2014 18:21:00 GMT http://www.zillow.com/advice-thread/Looking-to-leverage-20K-to-purchase-rental-property-in-the-range-of-40-70K-financing-options/525871/ 2014-01-25T18:21:00Z FHA loan with Medical Debt Collection for $84 on Credit Report http://www.zillow.com/advice-thread/FHA-loan-with-Medical-Debt-Collection-for-84-on-Credit-Report/524590/ My hospital kept sending bill for $84 to my old address. Obviously I never received it and it went to collections. It now reflects on my credit report. My score was well over 700 but has now dropped down to 646. I immediately paid the $84 and I am trying to negotiate with the Debt Collector to remove it from my report.&nbsp;<br/><br/>I am not sure if the collection will be removed (I know you cannot trust the Debt Collector when he says he'll remove it).. In worst of the worst case say the collection still reflects on my credit report and says "Paid". What are my chances of getting FHA loan with 5% down payment? The collection is less than a year old and I have got a letter from the hospital which says they sent the bills to my old address and thats why the collection event happened. Will that help while I apply for the loan?&nbsp;<br/><br/>Also, this is the only collection I have on my report.&nbsp;<br \><br \>8 replies Wed, 15 Jan 2014 17:13:00 GMT http://www.zillow.com/advice-thread/FHA-loan-with-Medical-Debt-Collection-for-84-on-Credit-Report/524590/ 2014-01-15T17:13:00Z Listing Agent ordered appraisal early http://www.zillow.com/advice-thread/Listing-Agent-ordered-appraisal-early/507966/ I specifically told my lender not to schedule our appraisal until after all inspections had cleared.&nbsp; The listing agent took it upon herself to call my lender and schedule the appraisal when the inspections were taking place.&nbsp; Unfortunately the deal fell through due to title issues and I now have a&nbsp;$415 appraisal&nbsp;bill that should have never been done.&nbsp; Can I force the listing agent o pay for the appraisal?&nbsp;<br \><br \>14 replies Wed, 21 Aug 2013 17:34:00 GMT http://www.zillow.com/advice-thread/Listing-Agent-ordered-appraisal-early/507966/ 2013-08-21T17:34:00Z Just a thought! http://www.zillow.com/advice-thread/Just-a-thought/522722/ Why are there so many people renting and there are TONS of homes on the market for less then paying RENT!<br/><br \><br \>7 replies Sun, 29 Dec 2013 21:42:00 GMT http://www.zillow.com/advice-thread/Just-a-thought/522722/ 2013-12-29T21:42:00Z how do I find all homes owned by an individual by name ? http://www.zillow.com/advice-thread/how-do-I-find-all-homes-owned-by-an-individual-by-name/256792/ 10 replies Thu, 16 Jul 2009 01:14:00 GMT http://www.zillow.com/advice-thread/how-do-I-find-all-homes-owned-by-an-individual-by-name/256792/ 2009-07-16T01:14:00Z how can i buy a mortgage note http://www.zillow.com/advice-thread/how-can-i-buy-a-mortgage-note/402632/ 5 replies Fri, 10 Jun 2011 19:46:00 GMT http://www.zillow.com/advice-thread/how-can-i-buy-a-mortgage-note/402632/ 2011-06-10T19:46:00Z If I sell my home at a loss, can I roll the balance into the new home loan mortgage? http://www.zillow.com/advice-thread/If-I-sell-my-home-at-a-loss-can-I-roll-the-balance-into-the-new-home-loan-mortgage/521536/ If I sell my home at a loss, can I roll the balance into the new home loan mortgage? If so can you give me a list of lenders that will provide this service.&nbsp;<br \><br \>2 replies Fri, 13 Dec 2013 17:10:00 GMT http://www.zillow.com/advice-thread/If-I-sell-my-home-at-a-loss-can-I-roll-the-balance-into-the-new-home-loan-mortgage/521536/ 2013-12-13T17:10:00Z I need to contact the asset manager at Wells Fargo for a specific property i would like to buy. http://www.zillow.com/advice-thread/I-need-to-contact-the-asset-manager-at-Wells-Fargo-for-a-specific-property-i-would-like-to-buy/518063/ The story starts with us putting an offer in for a Short Sale and it was accepted by the sellers.&nbsp; However, we found out later that the sellers were already in foreclosure and Wells Fargo could not accept our offer because the property was scheduled to go to auction in 5 days.&nbsp; The sellers were hoping our offer would stop Wells from auctioning the house off,&nbsp; Understandable and YES we were extremely upset.&nbsp; However, our concern was purchasing the house we really wanted so we went to the auction hoping we could buy it at the sale.&nbsp; So before going to the auction, I looked on the Trustees website that are responsible for the property.&nbsp; I looked up UPCOMING SALES and printed the listing that showed the property we wanted to buy and the deposit required to bring to the auction, which was $20K.&nbsp; I even called the Trustee/Attorney and the representative that answered the phone confirmed that a $20K deposit was required.&nbsp; So we went to the auction and when they started to announce the property Terms, the auctioneer said that a $30K deposit was required.&nbsp; I asked if i could go and secure another $10K and they said it was too late and our bid was disallowed.&nbsp;The house was sold back to Wells Fargo and there were no other bidders.&nbsp; I now have my attorney trying to get this resolved but working with the Trustee is not looking good.&nbsp; They are absolutely unreasonale.&nbsp; We were hoping that they would entertain a subsitute of purchaser but they said their client, Wells Fargo, doesnt typically do that.&nbsp;I have tried contacting Wells directly but they said the property was turned over to Fannie Mae.&nbsp; Fannie Mae wont list this property on Homepath for months or maybe longer.&nbsp; Does anyone have ANY IDEAS or CONTACTS that i can call at Wells Fargo that I can talk to about this whole mess? I have tried everything... Even calling the listing agents that Fannie Mae uses in the area.<br \><br \>6 replies Wed, 06 Nov 2013 00:23:00 GMT http://www.zillow.com/advice-thread/I-need-to-contact-the-asset-manager-at-Wells-Fargo-for-a-specific-property-i-would-like-to-buy/518063/ 2013-11-06T00:23:00Z I have a new SFH in Baltimore county, which was bought 4.5 years ago at $430K. Now, I feel that I ne http://www.zillow.com/advice-thread/I-have-a-new-SFH-in-Baltimore-county-which-was-bought-4-5-years-ago-at-430K-Now-I-feel-that-I-ne/511392/ 2 replies Sun, 15 Sep 2013 02:24:00 GMT http://www.zillow.com/advice-thread/I-have-a-new-SFH-in-Baltimore-county-which-was-bought-4-5-years-ago-at-430K-Now-I-feel-that-I-ne/511392/ 2013-09-15T02:24:00Z