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Getting a mortgage after bankruptcy is possible! Read up on waiting periods and learn about steps you can take TODAY for rebuilding your credit score.
After You’ve Filed for Chapter 13 Bankruptcy. Filing for Chapter 13 bankruptcy is a three- to five-year process-but that doesn’t mean that you can’t buy a house during that time. You can obtain an FHA loan before you complete your plan if you meet the following conditions: You’ve paid 12 months of plan payments.
Raise Your Credit Score. As long as a bankruptcy filing appears on your credit report, it will be difficult to get a reasonable interest rate on an unsecured credit card, a home mortgage or a car loan.. Filing for bankruptcy is a double-edged sword: It’s hard to get loans with bad credit, but you can’t demonstrate positive credit behavior until you get a loan.
Qualifying for a VA loan after bankruptcy is certainly possible, often in a shorter period than you would with a conventional loan. With a Chapter 7 bankruptcy, lenders typically wait two years after the date of discharge. As for Chapter 13 bankruptcy, you may be eligible for a VA loan.
The good news is that this is the perfect time to eliminate second (and third) mortgages on homes, as well as modify the first mortgage, cancel credit cards, and reduce car loans to what the car is worth using the power of Chapter 13 bankruptcy.
FHA Loan Waiting Times After Chapter 13 Bankruptcy.. Getting an FHA loan following Chapter 13 is a more complex process than applying for a home loan following the discharge of a Chapter 7 bankruptcy.. FHA loan limits, mortgage insurance premiums, closing costs and many more..
Refinance after chapter 13. Hello,I filed chapter 13 bankrupcy 3.5 years ago. After making 3 years of payments , it has been dismissed as of April 2012.. Tested and Licensed in all aspects of Mortgage Origination. We have access to loan products of MANY lenders, not just those of ONE bank.
As with Chapter 13 bankruptcy, FHA regulations demand a full explanation to be submitted with the FHA home loan application. To get a new FHA insured mortgage loan after Chapter 7, the borrower must qualify financially, establish a history of good credit in the wake of the filing of the Chapter 7, and meet other FHA requirements.