up yet or have a very recent BK, Short Sale or Foreclosure on their record. This is through a local bank, not a private lender or hard money lender. Contact me directly for details.
However, to be certain, you should sit down with a licensed loan officer with experience in credit restoration to review your credit history. Most have access to credit building software (we have Creditxpert through Kroll) that would enable them to determine exactly what it is you need to do.
Let me introduce myself. My name is Bobbi Vizzerra and I work for Credit Justice Services. I'm, the person you call when you cant get financed. I can help your get accounts, forecloser's, repossessions and yes even bankruptcy removed from there credit bureau in 90 to 120 days.Call me and let me educate you on how we can help your clients.
I Look Forward to hearing from you,
In addition to the answers that you already have, be aware that lenders will have different requirements. Some are easier than others. It you end up needing some additional lenders to check with, please don't hesitate to contact us.
Ron & Brenda Cunningham
West USA Realty
**Recognized in the Phoenix Business Journal as One of The Top 50 Realtors in the Valley**
Carlos J. RamÃrez, PC, ABR, CNE
Associate Broker/Realtor, HomeSmart â€“
Certified Negotiation Expert (CNE)
Licensed Loan Originator
Amerifirst Financial, Inc.
1910 S. Stapley Drive #209
Mesa, AZ 85204
NMLS# 213777 AZ LO-0915068
Apply Online: http://www.mattpuzz.com
Hi, not enough information to answer your question on a public forum about your BK situation.
I recommend talking to your lender. If you need one that works with BK issues, let me know.
Your best bet if you wish to purchase this year may be to have your Realtor show you some "Seller May Carry" financing listings. They will probablyl require at least a 10% down payment.
There are not as many of these for sale, but here are some examples of Seller May Carry Active listings priced < $200K in the Phoenix metro: http://www.flexmls.com/link.html?u87s3ppg20k,12,1 Note there are a fair share in the Mesa/ SE Valley area.
Let me know if you have any more questions.
Arizona Homes and Land
The Marie Souza Team - Top Selling on Cape Cod
Cape Cod Real Estate Services