Zillow Advice RSS: Question-Discussion-Guide,Home Buying,Queen Creek- AZ http://www.zillow.com/advice/Queen-Creek-AZ/home-buying/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate buying my first home http://www.zillow.com/advice-thread/buying-my-first-home/519648/ HI everyone!&nbsp;<br/><br/>I am recently thinking/planning to buy a house, don't know if it is a good idea for me just yet, but I figure if I am gonna pay so much to rent a house, it might be better to actually put the money toward a house? We live in Arizona, and considering getting something around the Queen Creek area since the houses are newer there, the neighborhood is not bad and the prices are comparatively low (we are open for other areas too, just want to get the right house for us!)<br/><br/>Well, a little background, my boyfriend and I are considering buying a house but we don't know anything about real estate at all! I know that there're foreclosure houses, short sell houses and rent to own houses and we don't know which one would be the best option for us (we really don't know what each one are). My boyfriend don't have good credits so we think it will be best to use mine if we have to get a mortgage or a loan whatever we need to get the money for the house. We probably won't have much for down payment neither (would that be a problem?) so we are looking for some of your professional opinions to which direction we should go.<br/><br/>Thank you!<br \><br \>14 replies Wed, 20 Nov 2013 23:35:00 GMT http://www.zillow.com/advice-thread/buying-my-first-home/519648/ 2013-11-20T23:35:00Z interest rates http://www.zillow.com/advice-thread/interest-rates/506966/ in june we had a va loan pree&nbsp; approved&nbsp; for 3.70 interest , now we found a home an signed all the papers in august an the rate was 4.79.. is this legal, i thought u get a better rate if its a va loan, an why did they change it, they said because it was only a pree approved an rates went up, its a 30 yr fixed<br \><br \>4 replies Thu, 15 Aug 2013 01:06:00 GMT http://www.zillow.com/advice-thread/interest-rates/506966/ 2013-08-15T01:06:00Z Carpet Allowance on Cash Home Purchase http://www.zillow.com/advice-thread/Carpet-Allowance-on-Cash-Home-Purchase/488736/ We are purchasing a home in Arizona and paying with cash. We submitted our offer to the seller prior to the house being placed on the market. From the sellers agents conversation with our agent, we were under the impression that they were putting in new carpet. After our offer was submitted we walked through the home to see the seller only cleaned the carpet and did not replace it. Can we ask for a carpet allowance on the BINSR? Our agent stated she has never done it before and that people don't do that, Am I receiving correct advice from my real estate agent? I just want to know how to ask for it on the BINSR and what we can attach to it like pictures, or what are we allowed to attach to the BINSR? Do you have to word requests for repair/replacement on BINSR and indicate to see the attachment? Or is that implied? My agent is asking how I want things worded on the BINSR and is leaving it up to me to word it on my own. I am not a professional and don't know how it should be worded. We are&nbsp;on day 7 and need to have it in.&nbsp;Also,&nbsp;if&nbsp;we don't come to an agreement with the seller on BINSR items, like they only want to do a couple of them and we don't agree like if our must haves they won't fix, can we walk away from home&nbsp;or will&nbsp;we have to purchase it, if we&nbsp;are&nbsp;within our 10 days?&nbsp;I need help as we are supposed to submit it tonight!<br \><br \>7 replies Sat, 20 Apr 2013 01:44:00 GMT http://www.zillow.com/advice-thread/Carpet-Allowance-on-Cash-Home-Purchase/488736/ 2013-04-20T01:44:00Z Is it possible to get an FHA loan with a 600 credit score and 3.5% down? http://www.zillow.com/advice-thread/Is-it-possible-to-get-an-FHA-loan-with-a-600-credit-score-and-3-5-down/378827/ 3 years ago my husband was in a motorcycle accident and permanently disabled.&nbsp; Due to that we had to file BK&nbsp;which was discharged 2/6/09.&nbsp;&nbsp;My&nbsp;middle credit score is somewhere between 600-625 after I recently paid down a credit card.&nbsp; Is it possible to get an FHA loan?&nbsp;<br \><br \>7 replies Tue, 28 Dec 2010 23:15:00 GMT http://www.zillow.com/advice-thread/Is-it-possible-to-get-an-FHA-loan-with-a-600-credit-score-and-3-5-down/378827/ 2010-12-28T23:15:00Z question below http://www.zillow.com/advice-thread/question-below/472392/ I'm trying to get more info on ZILLOW ID" 61818771...MLS " 46831771<br/>I just couln't believe my eyes. <br/>THANK YOU.&nbsp; USER ID " 73570437 (i am not an agent, just someone looking to <br/>retire in SAN TAN VALLEY OR QUEENS CREEK AREA)<br/><br/>email&nbsp;&nbsp; <a href="mailto:mariantyburski@yahoo.com" rel="nofollow">mariantyburski@yahoo.com</a>&nbsp; today's date 12/28/2012<br \><br \>2 replies Sat, 29 Dec 2012 02:56:00 GMT http://www.zillow.com/advice-thread/question-below/472392/ 2012-12-29T02:56:00Z Ranchettes to $ 600,000 http://www.zillow.com/advice-thread/Ranchettes-to-600-000/466215/ <p align="left">&nbsp;</p><br \><br \>3 replies Sun, 28 Oct 2012 14:13:00 GMT http://www.zillow.com/advice-thread/Ranchettes-to-600-000/466215/ 2012-10-28T14:13:00Z What are the chances of getting in to another FHA loan again? http://www.zillow.com/advice-thread/What-are-the-chances-of-getting-in-to-another-FHA-loan-again/430449/ <p class="MsoNormal">What are the chances of getting in to another FHA loan again? I have read if you have extenuating circumstances that you might be eligible again in less than two years. I am not sure about any others out there but getting $60 to $70k together for a down is pretty unlikely for us even with another year of savings time. Aren't there any other approaches/avenues we could take without paying outrageous interest rates? Or going for a 20% Down conventional? Or is there Fanny/Freddie programs we could qualify for as well?</p><p class="MsoNormal">To make this easier we did have lates during the short sale. Situation is we had to move to Az. due to a crisis situation. We checked our MOP code and it is reflecting a (9) code for a short sale from our last mortgage lender. Our credit scores at this time are right at 660 and climbing. We are actively paying down all debts. Our Debt to income is pretty low around 28 to 30%. Income is in the mid 6 figure range. Both employed for 12 and 5 plus years. Short sale ended in 06/2010. In a word Stable!<br/><br/>Thanks for all the reply's on this question! We really appreciate it!</p><br \><br \>2 replies Tue, 31 Jan 2012 03:24:00 GMT http://www.zillow.com/advice-thread/What-are-the-chances-of-getting-in-to-another-FHA-loan-again/430449/ 2012-01-31T03:24:00Z How I post ( Make Me Move : $ 270,000) http://www.zillow.com/advice-thread/How-I-post-Make-Me-Move-270-000/404325/ I want to remove home's description because this house is now I am own.<br \><br \>1 reply Tue, 21 Jun 2011 06:25:00 GMT http://www.zillow.com/advice-thread/How-I-post-Make-Me-Move-270-000/404325/ 2011-06-21T06:25:00Z How do I get a zestimate on a particular property? http://www.zillow.com/advice-thread/How-do-I-get-a-zestimate-on-a-particular-property/234999/ 6 replies Thu, 14 May 2009 20:35:00 GMT http://www.zillow.com/advice-thread/How-do-I-get-a-zestimate-on-a-particular-property/234999/ 2009-05-14T20:35:00Z buying real estate http://www.zillow.com/advice-thread/buying-real-estate/376647/ We are retiring next year will the market go up before then<br/><br/><br \><br \>6 replies Thu, 02 Dec 2010 18:45:00 GMT http://www.zillow.com/advice-thread/buying-real-estate/376647/ 2010-12-02T18:45:00Z how can i find out if a house is still for sale? http://www.zillow.com/advice-thread/how-can-i-find-out-if-a-house-is-still-for-sale/352870/ i saw a house i liked. i thought it was a foreclosure. when i drove by it i believe it is occupied. there was no for sale sign. how can i find out if the home is for sale and if it is a foreclosure?<br \><br \>4 replies Sun, 06 Jun 2010 03:29:00 GMT http://www.zillow.com/advice-thread/how-can-i-find-out-if-a-house-is-still-for-sale/352870/ 2010-06-06T03:29:00Z what can I afford? http://www.zillow.com/advice-thread/what-can-I-afford/273703/ 6 replies Sun, 30 Aug 2009 03:56:00 GMT http://www.zillow.com/advice-thread/what-can-I-afford/273703/ 2009-08-30T03:56:00Z