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Filled for bankruptcy 2 years ago, when can i get a loan?

by brandi08774 from Cleveland, Ohio. 24 days ago Reply


Amy Wedig (amywedig)
#36 ranked lender in Ohio - 7 contributions

Hi Brandi! Yes it is possible. Did you give up a home when you filed bankruptcy or were you renting at the time. Please give me a call for more information. I would love to help you finance your new house!Amy WedigLoan OfficerPolaris Home Funding68 S. Main StJohnstown, Oh 43031614-603-0426 office888-688-1760 fax NMLS #268257Polaris NMLS #38072Branch NMLS #1203018State licenses: OH #LO.031782.000 IN# 27084Branch State licenses: OH #MB.803870.016-BR, IN #10901

24 days ago
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Kim Lawson (kilawson)
#55 ranked lender in Ohio - 150 contributions

Hi Brandi, Yes, you may be eligible for an FHA loan (or VA if you're a Veteran). If you might like additional information, I'd be happy to help 888-659-3848 or cell 419-306-5492 or via email kimlawsonloanofficer@gmail.com. Best wishes otherwise, Kimberly Lawson, Licensed Loan Originator - Ohio only. LO.004495.000 & NMLS 5601, ACF Mortgage LLC, #248519

24 days ago
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Michael Zuren, PhD (mikezuren)
#57 ranked lender in Ohio - 216 contributions

HI Brandi, FHA requires a bankruptcy be discharged for at least 2 years for financing. If a mortgage was included the waiting period is 3 years after the house has been taken out of your name. Feel free to call me at 216-990-2148 Mike Zuren nmls #249573 Lo#9157001

23 days ago
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William J Acres (William_Acres)
#1 ranked lender in Arizona - 8,000 contributions

More info needed.. BK 7 or 13?.. did you file 2 years ago, or was it discharged 2 years ago? Was there a foreclosure or mortgage included in your BK? The short answer is that there might be a loan out there for you,,,, but we need more info.. For this reason, I suggest you contact a mortgage banker/broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with a Banker/Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the banker/broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the big box banks. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

23 days ago
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