Tamara,With the information you gave it wouldn't be possible to fund a Texas Cash Out Refinance you with a credit score of 576. However you might be interested in our Credit Coaching Program which may be able to raise your credit score. To learn more about this program please contact me at 8666-752-5322 or via email at paul@homeassetadvisory.com - Thanks - Paul M Johnson NMLS#219233

Hi Tamara,The credit score is an issue as is, but we have helped a number of our customers raise their credit scores by as much as 100 pts. If you would like to work with me, give me a shout at 501-276-6786 or e-mail me at bfrench@topflitefinancial.com.Thanks, Brian French

Tamara you will need to wait until your credit score exceeds 620 for the vast majority of lenders. There might be someone out there that would do your loan but it is highly doubtful. I would suggest you look at ways to boost your credit score quickly. In many cases I was able to help client increase thier credit scores 20-40 points just by paying down on a credit card or two or opening a couple of new accounts. Slow down, take a few months and work on increasing your credit score. Best of luck to you and call me if I may help you.

No one is going to be able to do a TX cash out on conventional terms for you for a few years (maybe up to 4 more). I don't think credit coaching would help you either by honest means. He might tell you they are going to get the Bankruptcy deleted, but then again that may not happen and he has your money win or lose for "Credit Coaching". I wouldn't buy it. You can do the same thing yourself for free Tamara. Brad Cahoone NMLS ID 184176Global Home Finance Inc. -Co. NMLS #:316441 -972-724-3222 - bcahoone@globalhomefinance.com - http://globalhomefinance.com

Was your BK dismissed, or discharged? If discharged, then you will be required to wait 36 to 48 months to apply for a new loan. Other than that, you will probably need a 640 score because of past history. Good luck in your endeavor.

You can get a hard money loan, or if you're old enough, a Reverse Mortgage, but not a traditional mortgage.

Hi Tamara,I am a licensed loan officer who specializes in working with all credit types to get borrowers approved. I can help you. My contact information is www.aaarealestatespecialist.com, annie.rolfe@msn.com, 214-347-3107.Annie Rolfe, Your Real Estate SpecialistBeam Mortgage, Inc.NMLS 336327

Most lenders today treat a dismissed Bankruptcy and a Discharged bankruptcy the same way and would tell you that you need at least 2 years from the date of discharge/dismissal before you are eligible. However, depending on all of the other factors, it might be possible if the loan to value (LTV) remains low. Smaller community banks and credit unions may look more favorably at your situation. Keep in mind that Inquiries on your credit report will have a nominal impact on your score, but at 576, the additional hit really won't make a difference. The real question as to whether or not a lender will help you depends on your payment history, before and after the bankruptcy. Good luck to you. I hope you find what you need.