Home Buying in 32808>Question Details

fjbriggs60@y…, Home Buyer in Orlando, FL

Can i get a loan after bankruptcy 2013, but been renting for 2yrs. $1,095mth ?

Asked by fjbriggs60@yahoo.com, Orlando, FL Sat Apr 20, 2013

had to file bankruptcy after divorce and deeding over house in the divorce in june/2010, name still was on the loan. Lender would not remove name from loan and husband would not refinance so l had to file bankruptcy. home is went into foreclosure lender said i gave up rights. need a home orlando, fl

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DATED OF DEED TRANSFER?

This is the question for typical loans.

Not from your BK discharge date, but what date did the date did the deed transfer to the new owner or back to the bank?

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0 votes Thank Flag Link Sun Apr 21, 2013
Gave ex husband home in the divorce and it was deeded over to him the same day which was June 8, 2010. This was a FHA loan. Home is in foreclosure now.
Flag Sun Apr 21, 2013
I had a buyer that wanted to buy a home in Arizona, but he had a Chapter 7 bankruptcy 7 months ago. I introduced a loan program at http://www.cfsflex.com, they allow a mortgage after a foreclosure, short sale, or bankruptcy. There is only a six month waiting period. This is perfect for individuals looking to become homeowners again.
1 vote Thank Flag Link Sun Jul 28, 2013
We can help you finance after 12 months timely payment history only 3.5% down with min 580 fico score.

BAD CREDIT FLORIDA MORTGAGE LENDERS
http://www.florida-mortgage-lenders.com/bad-credit.html
Many Bad Credit Florida mortgage applicants don't realize that FHA mortgage loans can help home buyers with bad credit. Even If you have a bad credit past and your looking for a low Florida mortgage interest rate we may be able to help with one of the following:

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Buy a Florida home 1 day aftter a Foreclosure or Bankruptcy
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ALL SITUATIONS ARE WELCOME!!!

http://www.florida-mortgage-lenders.com/bad-credit.html
0 votes Thank Flag Link Tue Mar 10, 2015
Hi,

Yes there are lenders out there who can help you. If you still need help please contact me and I will introduce you to my lender. Depending on your income and credit, I am quite sure you will be able to qualify for mortgage.


Best Regards,

Margus Mahar, Realtor®

- Certified 203K Renovation Specialist
- Advanced Construction Expert (ACE)
- Investment Properties Pro
- Relocation to Florida Specialist
- Vacation Rental Home Specialist
- http://www.FLHomeDeal.com

Get Started with Home Search

JC Penny Realty LLC
8701 W Irlo Bronson Memorial Hwy, Suite 200
Kissimmee, FL 34747
Mobile: 321-388-6856
Email: margus@jcpennyrealty.com
0 votes Thank Flag Link Wed Dec 10, 2014
FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:
Down payment only 3.5% of the purchase price.
Gifts from family or Grants for down payment assistance and closing costs OK!
Seller can credit buyers up to 6% of sales price towards buyers costs.
No reserves or future payments in account required.
FHA regulated closing costs.

FLORIDA FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:
Purchase a Florida home 12 months after a chapter 13 Bankruptcy
Purchase a Florida 24 months after a chapter 7 Bankruptcy.
FHA will allow a FHA mortgage 3 years after a Foreclosure.
Minimum FICO credit score of 580 required for 96.5% financing.
Bad credit Florida FHA mortgage approvals minimum FICO credit score of 530 required for 90 FHA financing.
No Credit Score Florida mortgage loans & No Trade Line Florida FHA home loans.

FLORIDA FHA MORTGAGE LOANS ALLOW HIGHER DEBT TO INCOME & EASIER JOB QUALIFYING
FHA allows higher debt ratio's than any other Florida home loan programs.
Less than two years on the same job is OK!
Self-employed buyers can also qualify for FHA.
Check Florida FHA Mortgage Articles for more information.
http://www.florida-mortgage-lenders.com/fha-mortgage.html
0 votes Thank Flag Link Tue Dec 9, 2014
Flag Sat Dec 27, 2014
http://www.florida-mortgage-lenders.com/bad-credit/234-how-s…
E APPROVE FLORIDA BORROWERS TO PURCHASE 1 DAY AFTER A FLORIDA FORECLOSURE SHORTSALE OR BANKRUPTCY FILING.

PORTFOLIO ADVANTAGES INCLUDE:

One Day Out of Foreclosure, Short Sale or Bankruptcy

Credit Scores Starting at 500

Florida Owner Occupied, 2nd Home or Investment Properties

30 Year Fixed Mortgage with NO Prepayment Penalty

Loans up to $750,000.00

Max Debt to Income is 50%

Max Loan to Value is 80%

Rates Start at 7.5% http://www.florida-mortgage-lenders.com/

Gift Funds are Allowed up to 6% On a Primary Residence

Property Types Allowed - Single Family Home, Townhome & Condo

24 Months Bank Statements Allowed For Self Employed Borrowers
0 votes Thank Flag Link Sat Jul 26, 2014
I had a short sale last year and my Realtor recommend http://www.cfs-mortgage.com/flex for a home loan. I am very happy to be able to purchase again.
CFS Mortgage assists homeowners who have recently been through a foreclosure, short sale or have recently emerged from bankruptcy.
0 votes Thank Flag Link Thu Jun 13, 2013
Depends on date of discharge, credit score, etc. You definitely need to sit a speak with a reputable mortgage lender to flesh out the situation.

Vincent Warren Paige, Jr.
REALTOR® | RE/MAX Showcase
Certified Broker Price Opinion Registered Agent (BPOR)
8934 Conroy Windermere Road | Orlando, FL 32835
Direct: 407.256.8190 | Fax: 407.264.8073
E-mail:vince@thepremiumproperties.com
0 votes Thank Flag Link Mon May 13, 2013
Hi There:

A lender would need to look at your file closely. The important dates would be the bankruptcy discharge date and the foreclosure date of course.

I have a great lender who just closed a loan for one of my clients that had filed bankruptcy and I would be more than happy to refer him to you.

Feel free to email me anytime.

Abraham Bidhendi
Top Producer Realtor® with over 26 years of experience
Awarded as Exit's TOP Buyer side Transactions for the State of Florida
We have had 142 successful transactions during the past year alone.
Exit Realty Access, LLC
Direct: (407) 744-2533
Fax: (407) 444-9925
Email: REOsofflorida@msn.com
Website: http://abidhendi.orlandopropertiesonline.com
Kissimmee Office: 391 N. Main St., Kissimmee, FL 34741
Altamonte Springs Office: 660 Palm Springs Dr., Suite D, Altamonte Springs, FL 32701
0 votes Thank Flag Link Sun Apr 21, 2013
Hi,

Depending on which lender you speak with, you may still be able to qualify for a mortgage. Reach out to a local lender in your neighborhood or, if you would like, I can refer a couple lenders to you. Hope things turn around for you. Best wishes!

Karen Weathers, REALTOR
Charles Rutenberg Realty
407-618-6727
environ0103@hotmail.com
http://www.orlandorealtorservices.com
0 votes Thank Flag Link Sun Apr 21, 2013
Thank You, all help will appreciated...Lillian
Flag Sun Apr 21, 2013
Hello,

Please contact me so I can get additional information. I work with some direct lenders that might be able to help.

Thanks,
Claudia Jenkins
Realtor/Charles Rutenberg Realty
1900 Summit Tower Blvd., Suite 220
Orlando, FL 32810
407-709-6674 - Direct
407-674-2239 - Fax
http://www.Isellflorida.us - Web
Claudia@Isellflorida.us - Email
0 votes Thank Flag Link Sun Apr 21, 2013
My name is Lillian will give u call tomorrow between 9/10:00am
Flag Sun Apr 21, 2013
Yes you can but not from your bank you got bankruptcy from.
0 votes Thank Flag Link Sun Apr 21, 2013
This was a PNC/Green Tree 2nd mortgage that was given to ex husband in the divorce agreement and deeded over the same day of divorce which was June 8, 2010 to ex
Flag Sun Apr 21, 2013
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