Chuckyb73,

Unlike my colleagues we have a department that specializes in bad credit loans in the state of Florida only. We at Premier Executive Financial Services, and its Retail Division Premier Mortgage Store work directly with a subprime mortgage lender and a very highly reputible local accounting firm (not a credit repair service) that will allow you to make a payoff deal with creditors that you have remaining balances on and work to increase your score by application of payments to open accounts to maximize benefit with the addition of other types of “credit tricks of the trade” to increase enhance Fico/Beacon score so we can get you approved.

It all depends on your cash position also as it will take usually a higher down payment and fees to perform a review and repair of your credit scores well as a rapid credit report recalculation for a fee to raise your scores thru that accounting firm.This process usually takes between 15-45 days and CAN raise your score from 620 - 680 in most but not all cases depending on the beginning scores.

We have programs with another bank that with a 620 score do fund Ch 7 Bankruptcies after 25 months of discharge and Chapter 13 after 24 months after discharge and final payment is complete of reaffirmed debts.

For more information call 239-580-9977

Premier Mortgage Store
DBA Premier Executive Financial Services
DBA Christiensen Financial Inc

Carl Ashton Retail Loan Officer
222 Industrial Blvd Ste 137
Naples Fl 34104
239-580-9977

Fax 239-262-1043 http://www.premiermortgagestore.com
premiermortgagestore@live.com

Chuckyb73,
My Firm AmericaHomeKey is a direct lender and we specialize in difficult to close loans, such as low or no credit issues. To approve your loan, we need your middle score (based on 3 credit bureaus) to be at least 620. If its not, we can still help you. We have a free credit repair program that depending on your particular circumstance, can take anywhere from 1 to 6 months. Average customer take 2-3 months, because we work directly with the bureaus and repository to rescore you. Any changes made are permanent, not temporary that some "credit repair companies" attempt. The issue in your case that is most daunting would be the bankruptcy, but under certain circumstances, we may be able to help. I would encourage you to call me for a no cost private consultation .

regards,
Frank Olguin
Mortgage Banker
AmericaHomeKey Inc.
500 W. Cypress Creek Rd, Suite 330
Fort Lauderdale, FL. 33309
Folguin@americahomekey.com
office 954-771-7715 x104
cell 561-386-9731

FHA does not base an applicant's approval on credit score. Neither does VA.
HOWEVER, the majority of lenders are now using a credit score minimum overlay for FHA loans. Most I see want a 640 or better score.
My colleagues agree that this recent practice of FHA lenders demanding minimum credit scores will only lead to class action suits by spurned buyers. This is a troublesome practice by lenders that has not attracted the attention it deserves.
You can repair your OWN credit for free with a little knowledge and diligence. Visit http://www.myfico.com for more help.

Good luck!

You may call one of my associates who does credit repair, it may take 6 months or more but it will be worth it.. Email me if you are interested I'll give you the contact info. He has a do it your self kit option or he can do it all for you.
Thank you,
Monika Depalo, Florida REALTOR
STAGER-INTERIOR DESIGNER
Adams Cameron & Co. Realtors
Listed in Real Trends 500
& Who's Who of Luxury Real Estate
Cell (386) 216-5753-best contact 24/7
Office (386) 738-1920 x401-varied hrs.

monikadepalo@adamscameron.com

WEB=http://www.monikadepalo.adamscameron.com/
& http://www.myfloridahomesmls.com/relocate

The only option I know of is private money. You would require at least 20% down and 15% reserves for the program I work with.

Ken Lowe - Realtor & Mortgage Broker
The Tropical Team
Chairman’s Circle Diamond
Prudential Florida Realty http://www.Ken-Lowe.com
239-595-2212
Let Me Help You Put Your Footprints In The Sand!!!

Chuckyb, no smaller bank will take this loan with their "portfolio" products. FHA is your safest bet as it provides lenders with the insurance or government backing. We can work together to get your credit scores up...but unfortunately right now there are no lenders that will take your loan with scores that low.
Joshua Lerette http://www.thetbmortgagepro.com
josh@thetbmortgagepro.com
727-488-7355

Hi Chuck
It is tough to comback from BK, my suggestion would be get large deposit for down payment go to a smaller community bank that may take a chance on you as a portfolio loan. What is crucial is having a smaller loan and higher value. may mean thirty percent or better. Good luck
Skip

No.........not going to happen.