To me your last response seems to show that you are on the right track. I wish you the best of luck
Two houses two mortgages, yes.Two on one house, yesInfact you can bundle many mortgages and have them on many properties, some investors that own a lot of homes will do this. If you specifically want to know about what you can do, there are a lot of very good lenders here that can advise you, but they will most likely need you to elaborate on your question so that they know what your intentions are.
This is the most ridiculous argument when it comes to our profession. I find it comical that someone who lists homes as well as works with buyers can't provide the same or better service as someone that doesn't want to do the extra work to get listings and know the area well enough to run accurate comps. I wish all you Buyer Exclusive agents all the luck in the world, but write it down, agents that don't have listings will soon find that their yearly numbers will fall fast because of sites like this and redfin and others. I work mainly with buyers, but you can bet your butt that I work very hard to gain listings and to sell those listings. I also only show my own listing to a client if it indeed fits the criteria the clients desire.
Depending on local customs as well, you can ask for closing costs to be paid by the seller. Inspections in my area are dependent upon things like sq footage, pool (salt water/regular), condo versus stand alone. But if you have $500 for the inspection you SHOULD be ok. Now is a good time to start talking to Realtors, and when you do this could be a good question to ask them, as each area is a little different.
I would ask your agent to call theirs and see if they are able to work around it. Over the weekend I submitted and offer to a builder of a new home for a client that required the same thing. I had seen the pre-qualification, and knew that they were qualified buyers (most purchases in my area are second homes and income isn't usually a problem for most of my buyers) with more than enough to ensure that they would not lose the house because the lender pulled the loan. After discussing this with the agent he agreed that they were good to go with the current pre-qualificaiton and said to send the offer in. We opened escrow on Tuesday this week.Hopefully your agent has a connection or reputation that shows they are trustworthy and they also believe in you, that can go along ways.
When I take a listing I always try to make sure that i have accurate information, but with SQ Footage, it is auto populated from county records. I always state - Information deemed to be accurate, buyer to verify. I don't intentionally want to put false information on the listing, but sometimes the county gets things wrong, or the house has been modified with or with out pulling the proper permits and the client doesn't accurately inform us. One thing you can do is have your agent call title or the county and see the tax records.I hope this helps a bit. Adding a whole garage can easily add a lot of non living space sq footage so I do understand your concerns.
http://www.zillow.com/help/what-is-phone-verification/http://www.zillow.com/help/how-to-post-a-home-for-rent/These may or may not help. I wish I could do more to assist you.
Sorry for the issues. Maybe send a note to customer service and they can assist you. I have found the employees at Zillow to be very friendly and extremely easy to work with, and quick to respond.
Some places (alot of builders and flippers) want to have a buyer go through the second pre-approval simply to scrub the buyers once extra time. It often times can be annoying and it could be just as much a ploy to try to get them to use the second company. If they do ask for it, maybe ask if it is a hard run of the credit, which could cause issues. As wet said below, pre qualified and approved are two different things of course....
One thing I take very seriously and I think all sellers and buyers should look for in an agent, is Ethics and Honesty. Sure everyone says they do the right thing, but I have given up clients on large sales, and chosen not to work with them solely due to them wanting me to do something that I deemed unethical, or unfair to both parties in the transaction. Making a quick buck on a single sale will get you paid once, but at the same time you have to sleep with the fact that you took advantage of someone else and cost them what they may have rightfully deserved.There are alot of shady and unethical Realtors (or pick and choose any industry they are there too), and if I encounter someone in my area that is working below the radar, I make sure to let the association know. Honest mistakes are one thing, intentional underhand activity is unacceptable.