But the loan Terms for those in your situation are very good!
see loan programs for your situation a t http://www.pro-option.com
BTW- I recently closed a $274k on a 100% No Down pymt for a Borrower currently in CH 13!
you could have a good chance qualifying for a new mortgage, but I would more details. I am actually working on a loan for my client who also filed a BK.
Please contact me directly, if I may be of any service to you.
Lic. Loan Originator
Just remember don't take no for answer. Where there's a will, there's a way. Give me a call to discuss your options.
Jessica Coleman / Realtor
Port Charlotte, Florida 33948
Direct: (941) 249-2366
Are You Looking For Owner Financing, Contract For Deed, Lease Option, Seller Financing.
For more information, please feel free to call the Realtor of your choice to discuss your options.
Realtor, Re/Max Hometown Properties
12456 N Access Rd
Port Charlotte, FL 33981
I suggest that you call a few different people and see what the commonality is for you.
Stay positive and I sincerely wish you the best.
Qualifying for a loan:
1. Have you in the last 3 years had a Bankruptcy, Foreclosure, or a Short Sale?
Answer: If they answer yes to a Bankruptcy or a Foreclosureâ€¦ then the deal is dead
for at least 3 years from the occurrence date. However...12 months on a Short Sale for
USDA loans only... FHA and Conventional it is 36 months plus on Short Sales.
2. Do you have any Credit Cards, Car Loans, or Student Loans?
If No then itâ€™s a dead dealâ€¦.they need at least 2 lines of active credit.
â€œIf they answer Yesâ€¦ then askâ€â€¦
Have you been past due on any of your Credit Cards, Car Loans, or Student Loans in the last 12 months?
Answer: If yes then it is a dead deal. If Noâ€¦.that's goodâ€¦then send them to your mortgage professional to get pre-approved.
Tammy Hayes, Realtor
Green Lion Realty, Port Charlotte, FL