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Frequently Asked Questions
How soon am I eligible to refinance my home loan?
If you filed Chapter 7, the day after you are discharged you are eligible. If you filed a Chapter 13, you are eligible 6 months after the file date. There are many loan programs that will pay off the balance remaining on your Chapter 13.
How soon after bankruptcy can I purchase a home?
If you filed Chapter 7, the day after you are discharged you are eligible for a purchase loan. If you filed a Chapter 13, you are eligible the day after the bankruptcy is discharged.
What type of credit score do I need?
The minimum score needed is 500. We have programs that will loan up to 100% with a score of 575. With our Credit Builder program, we can update your score in just three days and fit you into a better program and rate.
What do I need to qualify?
You need to have equity in your home.
What if I have bad credit?
Having bad credit is expected. We may even be able to help you with a credit score under 500. We first review your credit to see if we can improve it before matching you up to a loan.
I am currently in foreclosure. Can you still help me?
Yes! Assuming you meet other criteria for our programs, foreclosures are not a problem! But make sure you contact us as soon as possible.
Is there any obligation after I complete this application?
No! We will give you a free consultation on your individual situation.
My credit report shows that I am still late on my mortgage payments even though I am not.
99% of credit reports contain errors. We will get a true mortgage payment history from your mortgage company. Our Credit Builder program will clean up all errors on your credit report free of charge in just three days.
Will you share my information with any third parties?
No! We do not share your information.
If you have more questions, please feel free to contact us @ 866-369-9040 or send is an e-mail.
