This could mean that the home may be on a short sale an this was the bank, or that the home recently sold amnd this was the lender. Knowing which home I can better answer.
You really would not know the other offer even from the listing agent we are not permitted to see other offers. We could try to use our expertise and negotiation skills to bes t present and hopefully get a second look.Having a buyers agent is always good, but pick them as carefully as a listing agent
When taking out a loan, it would be prudent to use a builder that would fund the construction after a deposit, normally 10%.This way you would get an end loan that is the same as a loan on an existing home. There are also ways that you can get rate caps guaranteeing a specific rate. These programs could also have a one-time buy down, which means if during the time of your rate cap, the rates go down you can take the lower rate, but your rate cannot go up.
Investment interest rates are normally a little higher reflecting higher risk
The taxes paid does come from the assessors office, and is only as accurate as the information provide by various depatments.If renovations where made to the home, and permits taken and all approved, the assessor may not have been given that info by the planning department, so therefore would be basing numbers on old data. They do not re-assess every year and when they do might not even go in the house.Checking with the planner as to what info was given may benefit what shows as the value.
The appraisal would incorporate more of what your house would contain as far as upgrades and such compared to the properties used in the comparison. While the only exact science is the final closing amount, one would expect that the appraisal would have more specific information
If you are talking about your Zillow account I would hazard a guess that you could put in writing that you would like to have your account terminated
With the credit scores you have indicated and the income you show versus the debt I would not figure you would have an issue, you will need at least 3.5% down. Also remember that FHA to have loan limits that are based upon area of the home being purchased
If the town does not include the square footage as below grade, then a permit probably was nit pulled for it therefore not town approved. I would check that
A magnet school would not adversely affect your house value, in fact in some instances it has proven beneficial