their are mortgages for everyone, it just matters how much you are willing to pay in fee’s and interest . check out bankrate.com and other lender websites for the type of mortgages you will qualify for. don’t forget they may want a larger down payment from you too. goodluck!

There are so many options out there. Instead of using a traditional lender for your mortgage, go to a broker. Brokers have access to hundreds of different lenders with thousands of different loan programs available. The right Broker and Loan Officer will be able to answer all of your questions thoroughly, even how to rebuild your credit score.

The information you provided is not too much, it’s, unfortunately, not enough to give you a loan quote. But what I can tell you is that, yes, you can refinance or purchase a home 1 day out of bankruptcy.

While most lenders prefer you have at least 2 years out of bankruptcy, they do have programs for 1 day out, 6 months out, 12 months out, 18 months out, and 24 months out.

You should speak to a mortgage broker, as they work with more lenders and have access to programs generally not available to the public.

If you have more questions, or would like some more info, email me or check out our website.

Usually you do have to wait 2 years to get a mortgage is it is Fannie Mae…unless you want to go with an unconventional (meaning not backed by gov’t) loan whih will be at a very high interest rate. That will add hundreds to your mtg payment.

You could also look into a land contract.

People file bankruptcy all the ime…it’s a long term thorn in your side, but not a permanent. Your chapter 7 stays on the bureau for 10 years ( 11 and 13 are on for 7).