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We filed a chapter 13 bankruptcy which we completed. Discharge date was 5/9/12. When can we start applying for a mortgage.

Our credit scores are in the upper 600s. by kbrond_776_251 from Pittsburgh, Pennsylvania. Jan 16th 2013 Reply


Frank Kelly (rory47)
#79 ranked lender in New York - 2 contributions

You are eligible now.

Jan 16th 2013
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Mark Principi (centrallending9080)
#0 ranked lender in Pennsylvania - 26 contributions

please call Mark from Central Lending! 877 601 2274

Jan 16th 2013
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Michelle Curtis Loan Originator NMLS 401173 (EmbassyFundingLLC)
#28 ranked lender in New York - 2,238 contributions

As long as you have re-established your credit and made all your payments on time you could apply for an FHA mortgage now. If you'd like to know exactly what you'd qualify for feel free to call us at 201-962-3555 or email us at Team@BestMortgageOption.com if you call just ask for Michelle or Benny

Jan 16th 2013
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Steven Ceceri (CreativeFinancingOptionsGroup)
#37 ranked lender in Massachusetts - 723 contributions

You are "Potentially Eligible", which will be based on your payment plan being confirmed to show no late payments for any accounts in the repayment plan. I'd be happy to review your situation directly with you. I work for a Federally Chartered Bank offering In House Lending and Underwriting and access to other Lending Partners as well to expand our product offerings.

Jan 16th 2013
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Mark Simon (mark.simon)
#9 ranked lender in Delaware - 83 contributions

I am based in Pennsylvania with an A+ rated lender and will be glad to help you move forward now. Mark 302-449-7373. Call me today for detailed answers

Jan 16th 2013
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Geoffrey Tirabassi (geoffrey.tirabassi)
#68 ranked lender in New Jersey - 34 contributions

According to our lending guidelines which are based solely on Fannie mae guidelines you would need to wait 2 years from the successful discharge date of a chapter 13 bankruptcy. IF you had any late payments on your pay plan or were dissmissed instead of discharged you would have to wait 4 years.

Jan 16th 2013
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Barb Lanis (BarbLanis)
#70 ranked lender in Illinois - 663 contributions

The shortest wait period available is with an FHA loan at 1 year after payout begins. You are already there now because it is discharged already. Your credit must be re-established and scores must meet minimum standards, but it seems like you could dip your toes in the water right now. Be careful not to let every person you speak with run your credit report because your scores could be fragile. Interview several local non-bank loan officers before allowing them to run your credit. Good luck!

Jan 16th 2013
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