Profile picture for Janet & Graham Ford

Janet & Graham Ford

Zillow Local Expert in:

  • 74063

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AgentTeam

26 Recent Sales (last 12 months)

Broker Associate (15 years experience)

Specialties:
Buyer's Agent,
Listing Agent,
Relocation,
Consulting

Advice

  • (40 Contributions,
  • 0 Best Answers,
  • 4 Helpful)

Contributions are sorted newest to oldest.

What should I do to improve my 588(high) credit score?

Answer

You stated "From what I'm reading, it is best that I do pay off the old debts even though they are on my report for 6 years now? I was under the impression that after 7 years they disappear and any attempt to pay now will start a new activity date and make them stay on my report longer?"If I have this correct, you were not going to pay off your old debts now, but wait and hope they disappear after 7 years. Seems like abuse of the system if this works, or do I have this wrong?

  (0)
Lived abroad for five years, now back in the US, is a mortgage possible?

Answer

The main issues are credit history & employment. 1 person not being a US citizen is not an issue. It may serve you better to wait until husband has a year of credit history. We both came to the US as Brits and was able to get a home loan with our first application after being here only 9 months. 1 of us was employed, the other was not allowed employemnt under immigration regulations. In theory as 1 of you is a citizen it should be simpler. We brought with us sealed credit historys from the Big 3, but Experian & the others in the US would not accept Experian & the others histories from their UK counterparts.A good history and a minimum of 3.5% down payment will help. A higher down payment will open up other avenues than FHA.

  (0)
why some homes are not shown in zillow

Answer

Zillow is the same as many other alternative RE sites, in that they do not have a monopoly on listings that are placed on the MLS. If the home is listed with a brokerage then they should be on the MLS. Some brokerages & realtors syndicate their listings and these may link through to Zillow. Listings can be added to Postlets (recently purchased by Zillow) for a fee and the listings will then populate through to Zillow.

  (0)