Mortgage Approvals 1 day after Bankruptcy or Foreclosure

• Purchase 1 day after bankruptcy, foreclosure, short sale and deed in lieu of foreclosure up to 2.5 million.  These are not subprime loans, but they do often have higher interest rates and higher closing costs.
• Portfolio mortgage lender offer private mortgage loan approvals are looking at other compensating factors to approve these loans. Examples include 12 months timely rental history, high credit scores, lower loan to value (larger down payments), and reserves (future mortgage payments in the account at closing). A minimum 500 credit score For Florida Portfolio Mortgage Lenders Programs!!

BAD CREDIT Bankruptcy or Foreclosure MORTGAGE LENDERS APPROVALS WITH MINIMAL DOWN PAYMENT AND CLOSING FEES:

• Down payment only 3.5% of the purchase price.
• Gifts from family or Bankruptcy or Foreclosure Grants for down payment assistance and closing costs OK!
• Sellers can credit the buyer’s up to 6% of sales price towards buyers costs and pre-paid.
• No reserves or future payments in account required.
• Bankruptcy or Foreclosure regulated closing costs.
• Read more about buying a home with an Bankruptcy or Foreclosure mortgage Bad Credit –No Credit – Investment –Second Home –Multi Family – 

BAD CREDIT Bankruptcy or Foreclosure MORTGAGE LENDERS MAKE QUALIFYING EASIER BECAUSE YOU CAN PURCHASE:

• 12 months after a chapter 13 Bankruptcy Bankruptcy or Foreclosure mortgage Lender approvals!
• 24 months after a chapter 7 Bankruptcy Bankruptcy or Foreclosure mortgage Lender approvals!
• 3 years after a Foreclosure Bankruptcy or Foreclosure mortgage Lender approvals!
• No Credit Score Bankruptcy or Foreclosure mortgage Lender approvals!
• 580 required for 96.5% financing or 3.5% down payment Bankruptcy or Foreclosure mortgage Lender approvals.
• 500 required for 90% financing or 10% down payment Bankruptcy or Foreclosure mortgage Lender approvals.
• Bad Credit with minimum 500 FICO credit score with 10% Down Payment Bankruptcy or Foreclosure. For Bankruptcy or Foreclosure mortgage applicants with credit scores between 500 and 579 must make down payments of at least 10% down!
• Read more about Bankruptcy or Foreclosure Qualifying Qualification Summary – Manual Underwrite – Collections-Judgement’s – Bankruptcy or Foreclosure – Compensating Factors –

BAD CREDIT Bankruptcy or Foreclosure MORTGAGE LENDERS ALLOW HIGHER DEBT TO INCOME & EASIER JOB QUALIFYING

• Bankruptcy or Foreclosure allows higher debt ratio’s than any conventional mortgage loan programs.
• Less than two years on the same job is OK!
• Self-employed buyers can also qualify with Bankruptcy or Foreclosure Mortgage Lenders.
• Read More about Gifts For Down Payment – Documents Checklist – Debt To Income – Student Loans –
  

  CALIFORNIA BAD CREDIT VA MORTGAGE LENDERS MIN 550

  • POPULAR CALIFORNIA VA BAD CREDIT MORTGAGE PAGES INCLUDE
  • CA CALIFORNIA BAD CREDIT MORTGAGE LENDERS
  • BAD CREDIT  CALIFORNIA  VA MORTGAGE LENDERS
  • CA bad credit California mortgage lenders 
  • BAD CREDIT CALIFORNIA JUMBO MORTGAGE LENDERS

SAME DAY PRE APPROVALS!

Bankruptcy or Foreclosure- Bankruptcy or Foreclosure MORTGAGE AFTER BANKRUPTCY APPROVALS!

• Chapter 13 Bankruptcy- You may apply for a Bankruptcy or Foreclosure mortgage after your bankruptcy has been discharged for 12 Months or  (1) year with a Chapter 13 Bankruptcy. You must have 0 x 30 day late payments, and permission from the chapter 13 trustee.
• Chapter 7 Bankruptcy- You may apply for a Bankruptcy or Foreclosure mortgage after your bankruptcy has been discharged for TWO (2) years with a Chapter 7 Bankruptcy.  You may apply for a Bankruptcy or Foreclosure insured loan after your bankruptcy has been discharged for ONE (1) year with a Chapter 13 Bankruptcy
• Foreclosure – You may apply for a Bankruptcy or Foreclosure insured loan THREE (3) years after the Foreclosure sale/deed transfer date. You may have to search county records office to locate the deed in order to count a full 3 years. 
• Short Sale / Deed in Lieu – You may apply for a Bankruptcy or Foreclosure insured loan THREE (3) years after the sale date of your foreclosure. Bankruptcy or Foreclosure treats a short sale the same as a Foreclosure for now.You may have to search county records office to locate the deed in order to count a full 3 years. 
• Credit must be re-established no late payments in past 12-24 months, depending on hardship
• Application Date must be after the above waiting period to be eligible for Bankruptcy or Foreclosure financing after hardship.You may have to search county records office to locate the deed transfer out of your name fin order to count a full 3 years.  Bankruptcy or Foreclosure Mortgage Lenders Require A minimum 580 credit score.

VA- BAD CREDIT MORTGAGE LENDERS APPROVALS!

• Chapter 13 Bankruptcy – Once you have finished making all payments satisfactorily, the mortgage lender may conclude that you have reestablished satisfactory credit.
  • If you have made at least 12 months of timely payments and the Trustee or the Bankruptcy Judge approves of the new home purchase, the mortgage lender will approve financing after a chapter 13 bankruptcy.
• Chapter 7 Bankruptcy – You may apply for a VA mortgage loan TWO (2) years after a chapter 7 Bankruptcy.
• Foreclosure / Deed in Lieu – You may apply for a VA mortgage loan TWO (2) years after a foreclosure.
• Short Sale – VA does not recognize a short sale as a derogatory event, however, most mortgage lenders do. Most lenders will require a full 2 years after the deed was transferred out of your name and you re-establish credit.
• Credit must be re-established with a minimum 550 credit score
• Application Date must be after the above waiting period to be eligible for VA mortgage after hardship.

VA Mortgage Lenders Require A minimum 550 credit score.

USDA-  CA MORTGAGE APPROVALS!

• Foreclosure – You may apply for a USDA rural loan THREE (3) years after a Foreclosure.
• Bankruptcy – You may apply for a USDA rural loan THREE (3) years after the discharge of Chapter 7 or 13 Bankruptcy.
• Short Sale / Deed in Lieu of Foreclosure – mortgage lenders require 3 years after a foreclosure.

USDA Lenders Require A minimum 550 credit score.

CONVENTIONAL– MORTGAGE APPROVALS!

• Foreclosure – You may apply for a Conventional mortgage, Fannie Mae loan (7) SEVEN years after the sale date of your foreclosure.
• Bankruptcy – You may apply for a Conventional, Fannie Mae loan after your Chapter 7 bankruptcy has been discharged for FOUR (4) years, TWO (2) years from the discharge of a Chapter 13
• Short Sale / Deed in Lieu of Foreclosure –Waiting period for foreclosure that was included in Bankruptcy If mortgage is included in Bankruptcy, waiting period defaults to FOUR (4) from the discharge date. Florida Short Sale or Deed in Lieu of Foreclosure not included in a Bankruptcy has a new Waiting Period of FOUR (4) years from date your name is removed from title.  This replaces the ability to buy in 24 months with 20% down payment and minimum 680 credit score.

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