There are many variables relative to your question. I would need more information.
You may conact me if you would like to discuss.
Licensed Mortgage Professional
Serving All of Florida
888-246-9060 Toll Free
Clear Mortgage Lending, Inc
5200 North Fderal Highway
Fort Lauderdale, FL 33308
"4155.1 4.C.2.h Chapter 13 Bankruptcy
A Chapter 13 bankruptcy does not disqualify a borrower from obtaining an FHA-insured mortgage, provided that the lender documents that
â€¢ one year of the pay-out period under the bankruptcy has elapsed
â€¢ the borrowerâ€™s payment performance has been satisfactory and all required
payments have been made on time, and
â€¢ the borrower has received written permission from bankruptcy court to enter
into the mortgage transaction."
Assuming your debt ratio is in line, with a 12 year employment and 700 score you should be in good shape.
Your best bet is to speak to a trusted mortgage professional, who can sort through the particulars of your circumstances.
If you need a referral, let me know!
Chad Gray PA, Realtor
Luxury Living Fort Lauderdale
Coldwell Banker Residential Real Estate
100% of clients rated our service as "EXCELLENT"!
After reviewing programs below, please call me to go over loan options.
1) 100% LTV- VA - pay off debt at closing on a purchases too!
2) 100% LTV- USDA - 12 mo. into Chapter 13 BKâ€¦OK Too!
3) 99% LTV- FHA
4) 97% LTV- NEW- No PMI -No FHA 1.75% MIP Fee!
5) 95% LTV- NEW-No PMI!
6) 95% LTV- NEW-CONDO Loan
7) 90% LTV- NEW-No PMI -2nd Home
8) 90% LTV- New-Jumbo w/cc
9) 85% LTV- NEW- No PMI to Super Jumbo
10) 80% LTV- Rental Property
------------STATED INCOME ALT Loan programs-------------
11) 80% LTV- to Super Jumbo
12) 80% LTV- FIX nâ€™ FLIP Invest. Prop. â€“ No min. credit!
13) 75% LTV-to Mega Jumbo
14) 75% LTV- Foreign Nationals-to Super Jumbo
15) 75% CLTV-after Short Sale, BK, Foreclosure to Super Jumbo
16) 70% LTV- Hard Money to Jumbo
17) Lot Loans / Land Loans Too!
Go to: http://WWW.PRO-OPTION-COM or call 888-662-4404
Pro Option Mortgage/ Florida
Ph: 888 662 4404
Prior Service U.S. Marine Corps