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Getting a Mortgage after a Bankruptcy

Traditional mortgage financing guidelines allow a mortgage four to seven years after a bancruptcy. Alt A and subprime loan programs are an option if less than 4 years since the bankruptcy discharged date.

When choosing among different bankruptcy mortgages, applicants should keep in mind that they are likely to refinance within a few years after they rebuild the credit profiles through better credit management. Therefore, bankruptcy mortgage loan applicants should consider bankruptcy loan programs with lower starting interest rates.

Also you will find lenders that will loan even if you are in the middle of a chapter 13. FHA guidelines are 1 year from the file date. You have conventional lenders that will refinance your home if you have equity and are paying your chapter 13 payments on time. This is called a chapter 13 buyout. What's nice is you completely rid yourself of the debt in the chapter 13 using the equity in your home.