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I just came out of BK, how do I buy a house?

Student loan debt is the only debt I have, I make $180k, pension, 401k and have been with the same employer for 23 years by rodriguez77360 from Ventura, California. Nov 7th 2017 Reply


KIYOSHI INUI (Kiyoshi)
#536 ranked lender in California - 108 contributions

Give me a call to go over some options. (619) 822-2407- Kiyoshi

Nov 7th 2017
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William J Acres (William_Acres)
#1 ranked lender in Arizona - 8,486 contributions

More info needed, but there are options.. Was the BK a 7 or 13? Conforming loan's are out of the questions for at least a year... but we have lots of portfolio products that would work.. My contact info is below,, I'd be happy to analyze your scenario and advise you.. 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

Nov 7th 2017
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Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 3,811 contributions

Contact a local mortgage broker in your area to discuss your personal situation. But if it was a Chapter 7, realistically, you have A MINIMUM waiting period of two-years from the discharge date to qualify for traditions loans with the great rates. On the other hand, with a big down payment, you may be able to qualify for a non-conforming sub-prime loan at a much higher interest rate today. Then once enough time has gone by, you can refinance into a tradition loan.

Nov 8th 2017
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