Wellâ€¦. allot of American consumers are in the same boat as you are. Prior to 2008 the lenders use to have the underwriters review the letter of explanation on some 30 - 60 day lates.
I still have a Top Gun in the business over 20 years and She is a Doll to work with.
Feel free to give me a confidential call so we can discuss your game plan ( if any )
I love a challenge and in this business there is never a dull moment.
All the Best John Curci RE/MAX Properties 215-757-2889
Accorrding to FHA guidleines you must re-estbalish your credit after a bankruptcy.
However that mean with on time payments. In dealing with clients that have had bankruptcies, I have not had any success in getting loans approved with delinquencies after a bankruptcy, except maybe in one case. However this client had an extremely strong file, high income, low debt to income, $100,000 in savings and a BK that was 7 years old. I don't think I could help your case here.
VOTED BEST IN BUCKS 2010 & 2012
Cell 267 992 7276
Office 215 953 0800
Fax 215 953 1706
Licensed by the PA Department of Banking
NMLS License # 143960
Equal Opportunity Lender