Zillow Advice RSS: Question-Discussion-Guide,Home Buying,San Rafael- CA http://www.zillow.com/advice/San-Rafael-CA/home-buying/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate How to own a home again after foreclosure? http://www.zillow.com/advice-thread/How-to-own-a-home-again-after-foreclosure/504719/ My condo was foreclosed in 2010 and had filed bankruptcy.&nbsp; I'm slowly recovering, improving my credit, and sustaining a household income of $78,000K annually.&nbsp; What are my chances of owning a home again?&nbsp; What are lenders looking for these days?&nbsp; What is the average rate for loaners such as myself?&nbsp; Thanks for your time.<br/><br/>I'm actually looking at Santa Cruz County.&nbsp; I accidentally entered San Rafael.&nbsp;<br \><br \>5 replies Thu, 01 Aug 2013 13:48:00 GMT http://www.zillow.com/advice-thread/How-to-own-a-home-again-after-foreclosure/504719/ 2013-08-01T13:48:00Z Does the "act diligently to obtain loan" clause obligate the buyer to accept a loan offer? http://www.zillow.com/advice-thread/Does-the-act-diligently-to-obtain-loan-clause-obligate-the-buyer-to-accept-a-loan-offer/504518/ Obtaining a loan is a contingency of our escrow agreement. It says in our escrow contract that the buyer "shall act diligently and in good faith to obtain the designated loan." So if a bank offers us a loan for the amount specified in our escrow contract, will we be in breach of contract if we don't take it?<br \><br \>3 replies Wed, 31 Jul 2013 09:17:00 GMT http://www.zillow.com/advice-thread/Does-the-act-diligently-to-obtain-loan-clause-obligate-the-buyer-to-accept-a-loan-offer/504518/ 2013-07-31T09:17:00Z (Moved): Can I filter my search on zillow showing those homes listing for less than zestimate? http://www.zillow.com/advice-thread/Moved-Can-I-filter-my-search-on-zillow-showing-those-homes-listing-for-less-than-zestimate/489505/ This discussion has been moved to the following location: <a href="http://www.zillow.com/advice-thread/Can-I-filter-my-search-on-zillow-showing-those-homes-listing-for-less-than-zestimate/489447/">http://www.zillow.com/advice-thread/Can-I-filter-my-search-on-zillow-showing-those-homes-listing-for-less-than-zestimate/489447/</a><br \><br \>0 replies Thu, 25 Apr 2013 14:47:00 GMT http://www.zillow.com/advice-thread/Moved-Can-I-filter-my-search-on-zillow-showing-those-homes-listing-for-less-than-zestimate/489505/ 2013-04-25T14:47:00Z Financing a purchase http://www.zillow.com/advice-thread/Financing-a-purchase/464961/ We have an offer extended on a house in San Rafael. The property is unique in several regards. First, the lot is over 3 acres in size - and still in town - compared to other lots which range anywhere from 7000 - 14000 sq ft. Secondly, the house is relatively small - only 1200 sq. feet. Lastly, the house is in dis-repair. It has not been lived in for over 20 years. It's been used as a summer/vacation destination. All of which makes the house difficult to "comp". We've had an appraisal done. Unfortunately, the appraiser and the lender have valued the property dramatically different. In fact, the lender has valued the property $225k less than the appraiser. This delta has happened 2x now with 2 separate lender/appraiser teams. We are not in a position to make up this much of a difference with cash. Are there other financing alternatives we can utilize to close on this deal? Thanks! T-<br \><br \>4 replies Sat, 20 Oct 2012 06:07:00 GMT http://www.zillow.com/advice-thread/Financing-a-purchase/464961/ 2012-10-20T06:07:00Z Can I buy again after a short sale http://www.zillow.com/advice-thread/Can-I-buy-again-after-a-short-sale/464513/ I had a short sale 2 years ago. I missed 5 months of payments. My credit score is back up to 710 last time I checked (2 months ago). I was told I have to wait 3 years to get a FHA loan but 2 years if I have 20%. Is this accurate?<br \><br \>8 replies Wed, 17 Oct 2012 15:46:00 GMT http://www.zillow.com/advice-thread/Can-I-buy-again-after-a-short-sale/464513/ 2012-10-17T15:46:00Z VA loan not getting us anywhere! http://www.zillow.com/advice-thread/VA-loan-not-getting-us-anywhere/236711/ We are trying to buy with VA loan-100% fin., excellent credit, and keep getting outbid by 8-10 offers, cash mostly but also 20-25% down, no appraisal, what can we do? give up? We've tried 6 times and got beat all 6. We do not want short sales. We need range of $325-400,000 in Petaluma, Rohnert Park or Cotati, CA.<br \><br \>3 replies Tue, 19 May 2009 17:37:00 GMT http://www.zillow.com/advice-thread/VA-loan-not-getting-us-anywhere/236711/ 2009-05-19T17:37:00Z