getting a mortgage after bankruptcy discharge

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“In fact, it’s possible to significantly build up your credit score as you wait for the bankruptcy to be removed from your reports.” Here are some steps you can take to get yourself on the right track.

Options for Getting a Home Loan After Bankruptcy By Bethany Lape myHorizon – June 11th, 2015 Many debtors fear that a bankruptcy will close off any chance of getting a mortgage.

In a tough economy borrowers worry about bankruptcy, foreclosure, and the effects such issues can have on the ability to borrow. So, what is the required waiting period for new FHA home loans after filing bankruptcy or foreclosure?

Getting A Mortgage After Bankruptcy While bankruptcy may negatively impact your ability to obtain a mortgage, it is possible to qualify for a mortgage after filing for bankruptcy. The bankruptcy, which is listed in the public record information section of a credit report, remains for seven years from the filing date of a Chapter 13 bankruptcy.

In most cases, the soonest quicken loans can help you refinance your house or get into a new one is one year after the discharge or dismissal.

You’ve made your mortgage or car payments after bankruptcy. Your credit report says “zero payments made”. That’s as it should be, and it’s for your benefit.Your credit will rebuild anyway

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Buying a house after bankruptcy. The key is to ensure that you receive a discharge from the bankruptcy and that you are working on re-establishing your credit. Canada Mortgage and Housing Corp. will review your application as early as 18 months – 2 years after discharge if you have re-established your credit. Therefore, it is possible to get a mortgage post-bankruptcy.

Conventional loans are the most difficult to get after filing for bankruptcy. If you've been discharged from Chapter 7 bankruptcy, your wait period will be four years.

Getting a Mortgage After Bankruptcy. If you are still in the process, or if you are still in "credit counseling" or any other program that takes over your finances, no mortgage lender will speak to you. After bankruptcy most lenders want you to wait at least 2 years from the time of the bankruptcy discharge before they will consider you.