635 credit score and 1 yr bankupty can i get approved for a mortage

Asked by Christine, Punta Gorda, FL Mon Dec 2, 2013

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Andy Wood, , Florida
Mon Dec 9, 2013
Hi Christine,

Was there a property included in the bankruptcy? That is a big determining factor. Please feel free to call me if you would like to discuss your particular situation. I have been in the mortgage industry for 21 years and if we can't get you qualified now, I can at least get you on the right track. After bankruptcy, there are some mistakes that you can make that can be very unforgiving when it comes to getting another home loan. I would be happy to walk you through those to keep you clean so you can buy again.

Best of luck to you,

Andy Wood
0 votes
Jeanie Goldm…, Agent, North Port, FL
Tue Dec 3, 2013
Hi Christine,

Whitney @ Carrington Mortgage helped me answer this! Please contact me and I will put you in touch with him.

If you have a loss of income 20% or more due economic event excluding divorce then you may qualify. Requires a manual under write and standard debt to income ratios.

Jeanie Goldmann
REMAX Anchor Realty
0 votes
Tammy Hayes, Agent, Port Charlotte, FL
Tue Dec 3, 2013
I have a local lender that can do mortgages with that low of a credit score, but you would need to discuss your options with him - Carrington Mortgage, Ed Buck - 239-470-9809. He works out of Port Charlotte, FL right down the road from North Port.

I would be happy to work with you and answer any other questions you may have. You can go to my web page and see a list of local lenders under Get Advice - http://www.tammyhayes.remaxagent.com/

Tammy Hayes, Realtor
Re/Max Palm Realty
0 votes
Sally Grenier, Agent, Boulder, CO
Mon Dec 2, 2013
You should contact a local lender or mortgage broker who can review all of you financial info. But it sounds like you'll need to get you credit score up a bit -- minimum is 640.
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