Everything You Need To Know About Mortgages

Getting A Mortgage After Bankruptcy?

I would like to obtain a mortgage as early as February or March of 2009. We (me and my husband) filed for Chapter 7 and it was discharged on July 21, 2008. We immediately started to re-build our credit via various methods. We heard that there are companies out there that will work with us in terms of getting a mortgage so soon after bankruptcy, but we are also finding out that some of the larger banks want us to wait 4 years, we simply do not want to do this.

Can anyone recommend any companies that will work with us so soon after being discharged from a bankruptcy? We can do about 10 percent down for a down payment. Thanks In Advance

Most likely, you will have to wait until July 21, 2010 to get a mortgage. At that point, you are eligible for a FHA mortgage.

The 4 year wait time is for conventional mortgages.

Qualifying for Mortgage After Bankruptcy

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