Your best bet is to contact a reputable loan officer and have them run your scenario. It is free and then they will be able to tell you what you can get approved for and/or what you should do to get approved.
If you new a referral to a reputable loan officer please feel free to contact me directly and i will forward you their contact info.
I hope this is helpful! Good luck with your home search please let me know if I can be of any assistance.
The Adams Team at
Rothwell Gornt Companies
Very possibly, yes especially with that down payment. You may qualify for a new FHA program that allows one year out of bankruptcy and if not I have portfolio programs with very good interest rates. I would have to know more about all the details to truly advise you.
I am available to help you at your convenience if you wish.
I also offer credit score improvement programs for free while we work on your mortgage.
If you like my answer above, consider clicking on a “Thumbs Up” or “Best Answer”
Robert L. Hanson
Gladewater National Bank
First Time Homebuyer Specialist
Direct: 240-752-7549 Cell: 301-651-7822
Rate quote or live chat with me at the link below:
Let's discuss your loan scenario in more detail. Contact me at 800 315 8803. My name is Bart and I have been offering loans since 1987. I am happy to answer your mortgage questions, 7 days a week and review your loan scenario. Until then, I look forward to hearing from you.
Bart Gabe - Lending Nationwide Since 1987
800 315 8803 or 702 562 7915
David Cooper. Finding You Great Deals Since 1994
READ MORE http://www.lasvegaswinner.org or CALL 1.888.616.6226
You can get in touch with All Western Mortgage by phone or email at:
They are the largest local lender in Nevada and have the widest array of programs.
And when you are ready to look at homes for sale, you can go to our web site at:
This site is updated daily so that you are not looking at contingent listings like you do on the national sites like Trulia or Zillow. That will save you hours of time and frustration!
Hope this helps,
Prudential Americana Group Realtors
The Tonnesen Team - with over 30 years of experience helping families call Las Vegas "home!"
Yes you can! With my City First Select program you can buy a home 1 day out of bankruptcy. 20% is the minimum down payment. Call or click the link below, and I will be more than happy to share the details. I look forward to hearing from you.
Check me out at the link below and get your clients an approval today!
Thank you for choosing City First Mortgage Services,
Nathan T. Kessler | Sr. Mortgage Loan Originator
City First Mortgage Services
8871 W Flamingo Rd Suite 202
Las Vegas, NV 89147
(C) 702.683.3126 | (F) 702.974.0848 | (O) 702-522-6743
Company NMLS # 3117 | Branch NMLS # 819501
Individual NMLS # 377217 NV #46175
Standard guidelines for a conventional loan require a 4 year wait after the discharge of a bankruptcy.
FHA guidelines permit you to apply 2 years after discharge, so long as you have also re-established good credit since the bankruptcy...meaning that you have at least 3 active tradelines with at least a 12 month history and NO late payments or collections since the bankruptcy. However, if a mortgage was included in the bankruptcy then the waiting period is 3 years.
There are a very limited number of "extenuating circumstances" by which you might be able to qualify as soon as a year out of bankrupcty. Basically death of one of the borrowers or a prolonged UNINSURED illness are the main circumstances. And you need to have had otherwise otherwise good credit before the bankruptcy.
There is one other exception to the rule. If your bankruptcy was a direct result of an "economic event" where you suffered at least a 20% reduction in income due to job loss, then you may qualify for FHA's new "back to work" exception. In other words, if your credit was otherwise good and you suffered a job loss or a pay cut out of your control, you might be able to qualify sooner.
Please give me a call or email me your contact information and we can discuss your situation in more detail to see if there is hope now or if you need to wait a little longer
Tony Grech | Mortgage Loan Originator | NMLS 977416
PMAC Lending Services, Inc.
Direct (248) 728-0078 | Fax (248) 595-7130 | Cell (313) 622-7383
If you need a referral for an agent in Las Vegas, you want to speak with Myra Gouger at Realty One. Her number 702-858-9311.
She is one of the best agents in town and works with relocation buyers all the time. She can help you with a home anywhere in the Las Vegas Metro Area