Franklin, The bankruptcy can be removed from your credit report thus improving your credit scores. Take a look at the 7 minute video in the web reference and send me an email afterwards. You can have the home you want. Have a great day.

As long as you are two years discharged from the filing date you should be fine.

Franklin here is how the guidelines are written but exceptions can be made. FHA bankruptcy discharged 2 years with reestablished credit. Fannie Mae & Freddie Mac, 3 banruptcy discharged 3 years with reestablished credit. If you went chapter 13 you can apply sooner, if you went chapter 7 or 11 then their must be verifiable extenuating circumstances. Remember no lates payments and have new credit after the bankruptcy so be diligent with your payments.

good morning.why not call me?.. have almost 14 yrs. experience with both low and higher risk mortgage lending....direct cell (248) 974-4444..our rates right now for the loan you are looking for are in the 7's...i am licensed in your state and 18 other ones.....and can close you in your own back yard. let 's get your file started....

You need to speak with a qualified mortgage person. Go to an established mortgage bank and speak to someone.. It is going to be tough. Good Luck.

Hi Franklin,
Just likr to ad that you can restore your credit. It's easy, not expensive and with permanent result. Do some research and see if it's a fit for you. See link below.

Franklin: Shop for credit. Credit is VERY difficult to come by these days but credit depends not only on your past but also on your present. It's a matter of what you have accumulated and how much you earn. There is vurtually no credit available for people who don't have a very positve answer to those two issues in today's market. The answer then, is to figure out what you can offer and try to find a lender willing to work with what you've got.

Hello Franklin,

Having your bankruptcy discharged is one part of the equation. Everything else is depends on your credit score, monthly debt and assets. If you are a 1st-time buyer or have not owned property within the last three years you may quality for the State of NJ low fixed 6.125%. This is well below the current market rate. Call me anytime direct and I can let you know all the options you have available to you. In addition I can let you know the best way to have your information updated on your credit report.

Jeremy S. Hill
Mortgage Consultant
Aurora Financial Group
609-876-5817

You need to speak to a qualified mortgage representative. They will be able to evaluate your situation and let you know what mortgage programs would be available to you.
Good Luck.

Sharon Kozinn