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
I work for a direct lender in the mortgage industry who offers conventional, FHA VA, and USDA loans in all 50 states. Are lowest score we accept for government loans are 550 when most lenders require a 620 and brokers a 580. You have to have two years of income with a score over 550 with bankruptcies discharge date 2 years and over. We have basic guidelines and a pretty easy process. Feel free to text me or call me anytime up to 10:00pm Eastern with any questions.
Brian Young 214-797-3479
0 votes Thank Flag Link Sun Jan 10, 2016
Florida Mortgage After Chapter 7 bankruptcy:
96.5% financing is possible as little as two years after a Florida Chapter 7 Bankruptcy discharge or dismissal with a credit score above 530.
VA loans are possible as little as two years after a Chapter 7 discharge or dismissal with credit scores above 530.
FHA loans are possible as little as two years after a Florida Chapter 7 Bankruptcy or dismissal with credit scores above 530.
FHA refinances are possible as little as two years after a Florida Chapter 7 Bankruptcy discharge or dismissal.
Florida Mortgage Chapter 13 Bankruptcy:
VA loans are possible if you have been in a Florida Chapter 13 Bankruptcy and paying it on time for at least 12 months with credit scores above 530.
FHA loans are possible if you have been in a Florida Chapter 13 Bankruptcy and paying it on time for at least 12 months with credit scores above 530.
Restrictions apply to all of the above but a Florida-Mortgage-Lenders.com representative can guide you through the loan process.
http://www.florida-mortgage-lenders.com/florida-mortgage-upd…
0 votes Thank Flag Link Tue Sep 15, 2015
Please feel free to look t my website for lender information jeripatrickteam.com I would contact a lender to help you. Best of luck
0 votes Thank Flag Link Sun Sep 6, 2015
I would contact a local lender to see what option you have on getting a home loan. Best of luck
0 votes Thank Flag Link Sun Aug 2, 2015
Attention Please: Are You Financially down ? Do you need a loan to

pay off bills or buy a home Or Increase your Business ? Apply for a

loan now and get approved. We offer all kinds of loan at a reduced

interest rate of 2%. Our loan program is very direct and flexible as

Your Satisfaction and Financial Success is our Aim. IF

INTERESTED, for more information contact us now via Email:

creditconsultance890@outlook.com
0 votes Thank Flag Link Sat Aug 1, 2015
I would contact a local lender to see what loan options you have please feel free to visit my website for lender information jeripatrickteam.com. Best of luck
0 votes Thank Flag Link Mon Jul 27, 2015
Attention Please: Are You Financially down ? Do you need a loan to pay off bills or buy a home Or Increase your Business ? Apply for a loan now and get approved. We offer all kinds of loan at a reduced interest rate of 2%. Our loan program is direct and flexible and your financial aim is our success. IF INTERESTED, for more info contact us now via Email: creditconsultance890@outlook.com
0 votes Thank Flag Link Mon Jul 27, 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
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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