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I have a 648 credit score and are 2 years into a chapter 13, can I buy a home in georgia?

by lisahill911450 from , Georgia. Feb 4th 2015 Reply


Michelle Curtis Loan Originator NMLS 401173 (EmbassyFundingLLC)
#29 ranked lender in New York - 2,236 contributions

Yes, as long as you have made all your payments on time, had no late payments or delinquencies of any kind since the BK and the rest of your credit and income qualify you, you should be able to procure an FHA loan. You will need the court/trustees permission as well.

Feb 4th 2015
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Briggs Cline (bcline_154_679)
#60 ranked lender in Georgia - 54 contributions

Not while you are still in BK. Will typically need to wait until 2 yrs after the BK is discharged

Feb 4th 2015
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Marlon Mitchell (mmitchell)
#7 ranked lender in Missouri - 50 contributions

Yes as long as you get permission from your trustee and have been making your payments on time. Your income and employment would also have to qualify Please feel free to give me a call should you want to check to see if you qualify. 405.285.1234 ext 116 or email me at marlon@amtgbank.com

Feb 4th 2015
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William J Acres (William_Acres)
#1 ranked lender in Arizona - 7,802 contributions

Assuming you meet all other eligibility requirements, you are allow to purchase so long as you have made 12 on time payments to the trustee and have their permission to purchase a home.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Feb 4th 2015
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Dave Metsker (DaveMetsker)
#38 ranked lender in Oregon - 2,317 contributions

With BK court permission, yes.

Feb 4th 2015
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Thomas Dasta (lendfm)
#32 ranked lender in Georgia - 41 contributions

Sure you can. 678-571-7433. I am in Georgia as well.

Feb 4th 2015
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Sean Young (SeanYoung)
#2 ranked lender in Colorado - 1,106 contributions

Yes you can as long as you are current on your BK payments and have made the previous 12 payments on time, get permission from the BK trustee and of course you still need to go through the normal approval process and have a local loan officer review your income, credit, assets and loan application. Best wishes, Sean

Feb 5th 2015
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Tracey Mobley (tnmobley123)
#12 ranked lender in Georgia - 4 contributions

It depends on the trustee and the lender. You can all Tracey Mobley @ 872-239-4110 When you have qualified, to help you locate your Dream Home!

May 31st 2015
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