But that is not your real question.
The real question is can I get financing?
And the answer to that question is yes.
The caveat is, did you ride the wave or did the wave ride over you?
If you rode the wave, you will be able to get financing, but not via the "too big to fails."
You have more options than you imagine. Check with your real estate agent.
Finally, if the wave rode over you, as others have stated, you will need to wait the appropriate time and keep your ratios in check.
We see this all the time. When you discharged your bankruptcy makes the difference though. Establishing new credit lines will make you eligible for a mortgage.
If you have no credit I have a contact with a non profit company that will assist you
Here's a lender that can really help
Joseph S. Cordova NMLS# 146855
Evesham Mortgage, LLC
22 South Maple Avenue
Marlton, NJ 08053
office: (856) 985-9944 ext. 103
direct fax: (206) 333-0946
cell: (856) 304-2381
Search foreclosures and short sale here: http://www.BuyNJShortSales.com
"Nobody Sells More Real Estate than RE/MAX"
Search the MLS on your phone by Text: In the subject line on your mobile phone- LSAR1 -to number 87778 ... hit send... A GPS feature for listings at your finger tips
Larry Sarlo When you want it Sold Fast!
609-868-1171 call / text / email 7 days
It is possible to get home financing after a bankruptcy. The key questions are:
What was the date of discharge?
Have you re-established credit and opened new accounts since the date of discharge?
Have you had any late payments since the date of discharge?
Answer these questions and I can provide a little more clarity as to what your options are.
Renovation Branch Manager, Renovation Specialist
NMLSR ID 413808
Wells Fargo Home Mortgage | 87 Berdan Ave | Wayne, NJ 07470
Tel 973-686-3244 | Cell 973-981-3403 | Fax 973-686-3250 | eFax 866-358-2101
email@example.com | http://www.wfhm.com/jonathan-joachim