My ch. 13 bankruptcy was discharged in March 2010. Prior to my BK, i had a FICO above 800. Since discharge, I have maintained good credit (665 fico) and no late pays on car, mortgage, or one credit card (that was in husband’s name and not included in my personal BK).
Learn how to refinance after a bankruptcy by reading this article from HSH.com. We research, you save.. "How can I refinance my mortgage in a Chapter 13 bankruptcy?". Fannie Mae has similar rules in effect of two years from the discharge date or four years from the dismissal date.
how to find the best home loan types of borrowers. The 30-year fixed-rate mortgage is the most common type of loan used for home purchases. It offers a combination of low monthly payments, because they’re stretched out over 30 years, and predictability, because the rate is locked in for the life of the loan.
Refinancing Home after Bankruptcy and Chapter 7 | Mortgage. – Chapter 7 vs. Chapter 13. Here are the facts about refinancing your home mortgage after bankruptcy: If you filed for Chapter 7 bankruptcy, the courts wiped out almost all of your unsecured consumer debts, so when you qualify for a mortgage refinancing loan depends on the type of loan you want.
easy home equity line of credit Home Equity Line Of Credit (HELOC) Vs. Home Equity Loan. – Home equity line of credit (HELOC) As you pay off the principal, your credit revolves and you can use it again. When a line of credit has expired, you enter the repayment period, which can last up to 20 years. You’ll pay back the outstanding balance that you borrowed, as well as any interest owed.
4 Bankruptcy Alternatives – If you do not qualify for a chapter 7 bankruptcy, the most common kind of bankruptcy you may qualify for is a chapter 13 bankruptcy. it is certainly worthwhile looking into refinancing your.
Chapter 13 Bankruptcy Refinance Contact Page | Peoples. – Refinancing Your Home After Chapter 13 Bankruptcy Is Possible Peoples Bank recognizes that refinancing an existing mortgage after bankruptcy, is a goal for many clients after they have completed their Chapter 13 Bankruptcy plan. Unlike other banks, Peoples Bank has a department dedicated to helping borrowers refinance their mortgage after bankruptcy.
Refinance mortgage? – Bankruptcy Help: Chapter 7 13 Discharge – Is it possible to refinance a mortgage while in Chapter 13? We are 9 years into 15 year mortgage — it was a big mistake. I doubt that our income will ever get back to where it was when we took out the mortgage. Looking at our budget, I think we are "house poor" and I want to get into the best position possible for life after discharge.
A complete guide to buying a home after a Chapter 7 or Chapter 13 bankruptcy.. starts on the filing date or the discharge date, because with a Chapter 13 bankruptcy, it makes a huge difference.
When Can I Get a Mortgage After Bankruptcy? | Nolo – When Can I Get a Mortgage After Bankruptcy?. VA, USDA, or conventional mortgage loan after Chapter 7 or Chapter 13 bankruptcy.. was beyond your control and not a result of financial mismanagement-you might be able to qualify as soon as 12 months after the discharge. A Chapter 13.
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