Loans After Bankruptcy
We have several
different loan programs available for home owners and home buyers with a
past bankruptcy. Depending on your credit score, your credit history since
your bankruptcy, and the length of time your bankruptcy has been
discharged, your loan consultant can match you up with a loan program that
will give you the best rate and terms possible.
-
1 Day After
Discharge: Home loan programs may be available as soon as one day
after your bankruptcy is discharged. If your credit score is above 600
when we pull your credit report, you may even qualify for low-down or 100% zero down
financing. Perfect credit since your bankruptcy discharge is a must, and
you'll need to qualify for the amount of the loan payment. Fill out our
quick prequalification form now to see what you can qualify for.
-
Delinquent
Accounts: Sometimes bills just don't get paid on time. We have a
program with up to 100% financing available for borrowers with delinquent
accounts, even with a past bankruptcy discharged.
You can't have any open collections for this program, and you'll need to
quality "full doc" - you'll need to be able to prove steady income. You may even
qualify with a credit score as low as 540! Pre-Qualify Below.
-
Older
Bankruptcies: If your bankruptcy has been discharged for two or more
years and you've maintained good credit since your bankruptcy, you might
be surprised by the low rates and unique programs you'll qualify for!
Contact us today to discuss your situation and find out more about our
loan programs! Pre-Qualify Below.
If you would
like more bankruptcy information, please visit
TheBankruptcySite.org >
Pre-Qualify Now by clicking Below:
Poor Credit?
If you've been
declined at other lenders because of your credit situation, you've come to
the right place! We have a sub-prime department that specializes in
assisting borrowers with low credit scores, late payments, collections or
charge-offs. Not sure what your credit score is?
-
Credit Scores
as Low as 500! Several loan programs for borrowers with credit
scores as low as 500 may be available. Ask your loan consultant for details.
Pre-Qualify Below.
-
Lots of Debt
& a Low Credit Score? Financing loan programs may be available that
allow for lower credit scores and higher debt ratios. These programs may
allow you to qualify for a more expensive home or avoid paying off
existing debts to qualify. Pre-Qualify Below.
-
Collections,
Charge-Offs, Late Payments: This program allows high LTV financing
even with existing charge-offs, collections or late payments. If your
credit score is above 600, you've had at least one tradeline for over a
year (usually a car payment, rent or other verifiable credit) and you can
qualify under normal guidelines, this program may be right for you! Ask
your loan consultant for details and restrictions.
Pre-Qualify Below.
-
Seller
Carrybacks: We have several programs available that allow you to
obtain a loan for 80-90% and have the seller carry back the remainder up to
100%, even with poor credit, charge offs or collections. Ask your loan
consultant for details and restrictions. Pre-Qualify Below.
If you are
unable to qualify for a new loan, negotiating a loan modification may
work depending on your existing loan and current situation. Read more on
loan modifications >
Other
restrictions may apply on all programs. Terms and guidelines are subject
to change without notice.
Ask your loan consultant about our special loan programs for borrowers
with past bankruptcies, poor credit, collections or late payments.
