Where can we find a bk friendly lender?

Asked by Hoping2Buy, Vista, CA Fri Feb 7, 2014

Ch 7 Discharged: Oct. 2010
Husband Work History and Income: Stable, been at his company for 11 years and his gross annual income is 94k.
Debts: Student loans monthly payment $800
No credit cards
No car payments
Credit Score: 658,670,660

Where can we find a bk friendly mortgage lender in Vista/Oceanside, CA area?

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+ web reference
Web reference:


Robert Spino…, Mortgage Broker Or Lender, Mill Valley, CA
Mon Feb 10, 2014

In October of this year, you'd be eligible for a conforming loan, and you should be eligible for an FHA loan right now. Part of this depends on your other attributes (down payment, etc.).

So I would say, you might indeed be eligible now and you very possibly could be eligible with a better FICO score and substantially better loan terms if you do a number of things right between now and October.

If you'd like to discuss more, just get in touch.

Rob Spinosa
0 votes
JR Thrasher, Agent, San Diego, CA
Mon Feb 10, 2014
You guys actually look pretty good. It sounds like you have been working pretty hard to get your credit straightened out after your BK. Alex (two answers below mine) should be able to help you out. I have a blog with buyers resources on it that could answer a lot of your questions before you start the buying process. I'll put a link to it in the web reference below.
0 votes
Sinead McAll…, Agent, Oceanside, CA
Mon Feb 10, 2014
Hi "Hoping to Buy" (love the name!), I have a great lender that can work with the information given above. I also live in Oceanside and know the Oceanside/Vista area like no one else! Feel free to contact me via phone, text, email anytime and we can get your started on the path to home ownership! :)

?Sinead McAllister-Clifford
Real Estate Broker/ RealtorĀ®

McAllister Homes Real Estate
Residential Sales & Property Management
License 01366009
858-205-5215 CELL
info@mcallisterhomes.com EMAIL
0 votes
Alexander Gr…, Agent, San Jose, CA
Sun Feb 9, 2014
I see no problems with getting you financing.

Alex Greer
Loan Officer
NMLS #1056079

0 votes
Here is a derogatory credit event reference guide: https://themortgageoutlet.box.com/s/ce1chsq5nofzvc0gs4qxnkk9hgiwe1ql
Flag Mon May 11, 2015
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