Lucinda (Cindy) Tkach
Do you know what range of your current credit score? As long as you have a credit score near 620 or higher and the income to qualify, you could probably be approved for an FHA loan now. BKs are typically only a 2 year wait as long as you were perfect on all of your payments since the discharge. So give me a call, or call Lori Dwyer with Primelending at 602-628-8792 and she can see where you at and walk you through the process to get your prequalification. She has helped my other clients with BKs get preapproved so I am sure she can you too. Give me a call and be glad to help you get into a home before the new year.
I would definitely need more info on your personal situation, but I have some wonderful lenders that I work with that could discuss your pre-qualification status with you at no obligation.
I wouldn't worry too much about the BK from ten years ago; it's likely not a factor in getting you pre-approved for a mortgage.
Please give me a call at your convenience and we'll discuss your situation. Don't wait too long; prices are going up every month across the valley (+25% since JAN 1st).
You can reach me any time at: 480.231.6769 or Jim@TheAZRealtor.com
Realty ONE Group