You can give it a shot but if a lender goes to the trouble of listing a forclosure rather than putting it up for auction they usually intend to get the asking price or close to it. Also it is difficult to win a bid without cash or at the least a pre-approval letter.
Depending on your market there may be a better deal for a flat-fee listing. Either way the math speaks for itself.
There is no good reason to do FHA if you can qualify for conventional. Sounds like you are talking to the wrong source about a conventional mortgage. Compare APR and the FHA loan will not look so hot... FHA has a guarantee fee that makes it expensive
Yes you can usually call the lender and lock right then on the rates you see on Zillow. Your "local mortgage broker" and "internet lenders" are all ultimately getting their money from the same place. The one advantage of a "local" lender is you can physically show up at their office if there are delays which tends to help. If you feel this is necessary, I can find several "internet lenders" that are right in my hometown. it is preposterous to suggest that all internet lenders are "unreliable". If you have solid credit there is really no reason to pay origination fees on a conventional loan
I know several people that have relocated to my area, purchased a house before they had a feel for the neighborhoods, and regret their purchase. Even the best agent can't predict what would make the buyer happy 100% of the time. If it were me I would suck it up and rent.
On the low end a realtor is a good deal for the seller. I'd look for someone new and hungry as I could see an experienced agent toss it out there and then not even return calls, etc in the case that a sale falls in their lap. Its going to cost you $500-$1000 to get your house properly listed anyway vs a 6% commission.
Well assuming you dont have a boat or something you can sell...Just get a HELOC for what you can to pay down the credit cards. You can get these for no closing and depending on what your current rate is may be a better deal anyway. You could also do a balance transfer and get no interest for 12-18 mos (usually with a 3% fee but may still be a free transfer one out there. Not sure how much money you are talking about here but worst case Discover does personal loans in the prime + 4 range for up to 25k (rates go up after that).
Details on recycling an appraisal herehttp://www.appraisalinstitute.org/ppc/readdressing.aspxYes, it can be done legally as long as all parties are in agreement.
You are entitled to a copy of appraisal but you can't just give the new bank a copySteps:1) Make sure new lender is willing to use appraiser/appraisal. They will tell you they need the appraisal to be modified2) Contact appraiser and make sure he is willing to produce a new appraisal with the new lender listed on it as instructed by the bank. He/she may charge you something for this. They will also instruct you as to any "release" you may need from the prior lender .Don't think the old lender is your issue it is the new bank and/or appraiser you have to whip into shape
Yes this is crazy and yes the agent(s) should have run interferenceIf this gets any worse you can let then get some of the locks where you can change the keying yourself. They can give you a key and then change the locks themselves after they move inIts not like you can't pry a freaking window open in almost any house anyway.