 Gave deposit, didnt sign a contract, never moved in just changed my mind 1 day after can I get deposit back? |
| I gave the deposit for an apartament without signing contrat, next day i changed my mind, and dont want to move in and they wont give me the deposit back.... |
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 I am looking to buy a home. I just recently filed bankrp. I am a mother of three kids and my budget is small |
| What programs are out there to help a mother of 3. We are living in a small apt at the moment and we need something bigger. I hear about all these programs out there but, its all confusing to me. I... |
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 Buying an apartment or flat? Is it a good investment and will i find it difficult to sell? |
| I'm considering buying an apartment or flat but i've heard that they can be harder to sell than houses. Is this true? Does having other homes in the same apartment building as yours cause ... |
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 Is it true that you can get evicted if you mess with the smoke alarm in your apartment? |
| A couple of weeks ago, I was baking chicken, & the alarm went off. My next door neighbors came in & took it off. I asked, "Wouldn't I get evicted for this?" & they said, &... |
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 I would like to know every ones opinion on was going to take place with the real estate market over the next? |
| i would like to know every ones opinion on was going to take place with the real estate market over the next few years , im think of buying a 200,000 townhouse in brownard county plantation south ... |
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 I got a rental termination notice,After the Landlord was Fined by the code enforcement,What can I do? |
| The Place I live in had a city inspection. And was given a fix it ticket -35days this time has pasted,and was mailed a termination notice, with no reason at all, I have lived here for 15 yrs. I don�... |
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 Landlord problems, PLZ help!!!? |
| The basement has been flooded with sewage for weeks. the fridge has never worked. we have to eat out or take out for most meals. the furnace does not turn on. the roof has leaked since we moved in - ... |
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 Can I get housing benefit? I work f/t partner cannot work cause of illness. We have 2 children under 18? |
| My partner gets incapacity benefit and dla care (high) & dla mobility (low). We get wt credits £54 a week.... |
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 What are Northern Rock doing?!? |
| I have my mortgage with Northern rock. We've just switched onto their variable rate as our two year fixed deal ran out in January. We are paying a lot more in interest than we could get ... |
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 WHEN YOU ARE A RENTER AND GIVE YOUR NOTICE AND MOVE, WHEN YOU GET YOUR SECURITY DEPOSIT BACK...? |
ARE YOU ENTITLED TO INTEREST? I'VE HEARD THIS FROM MANY PEOPLE, I WAS AT MY OLD PLACE FOR A LITTLE OVER THREE YRS AND AM MEETING W/ THE LANDLORD SATURDAY TO GET MY DEPOSIT BACK. I LIVE IN PA.
... |
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 Can my landlord forcefully tell me that a plumber will be coming and nobody is home? dont i have my own ri? |
ghts of renting the damn place? I have valuable belongings and i dont want anyone in their when i am gone.
... |
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 Whats worse.. paying Countrywide for 30 years or foreclosing? |
| i bought my house for 350 K in 2006 and its only worth 250K and the mortgage will adjust next year and go up . im paying 2400 a month plus 500 a month thanks to the broward county property taxes. ... |
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 Is there a way to get a loan for 600k? |
| I want to purchase a home without a co-signer on me and my wife. But our scores are small in the 560-600 is there a way to get a 600,000.00 loan without getting pounded with a high rise interest rate.... |
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 I need a real estate agents help!!!!? |
hello
i want to start approching real estate agents about doing there loans with them. I have other things to offer but if your a real estate agent i need help. I know they get hasseled by A.E. ... |
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 Does a landlord have to supply working heat? |
| I live in calif the house I rent has no working heat it gets very cold her does the landlord have to supply working heat & can he raise my rent to fix it he says he cant afford it.... |
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 I am currently 19 years old, and when I am 27 I will buy my very own house. Could I afford it? Please read.? |
| Hi guys, my name is Sam, and I am currently 19 years old. I am currently working on my AOS in Information Systems Technology, which is a 1 year and 10 month long program. Once i complete that I am ... |
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Q&A Monster | How soon can you get a mortgage after getting a chapter 7 bankruptcy discharged? |
would it make a difference if i was just a co-signer as my income is bigger than my spouse, and would improve our debt to income ratio to qualify for a loan. |
 |
 
Jessica
 |
You can probably do it now. I can help you with this. I work with a big direct lender/mortgage broker doing business in 48 states, and because the huge volumn of business we do, we get better rate than smaller brokers. We have over 200 loan programs to meet the needs of different situations, from good FICO score and good income and down payment, to poor FICO score and NO income (called "stated income") and NO down payment, so I will be able to find the program which best fits your needs. Contact me at xjuy@yahoo.com or 408-476-0455 and I can help you. Jessica |
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rkaminski
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Well to answer your original question as to how soon after discharge would be as soon as you find a mortgage company that will accept you as a client. Just because your bankruptcy has been discharged does not mean a bank will give you a loan. Most banks now will not if you have a prior bankruptcy. if your spouse has never filed bankruptcy perhaps you would be better off letting your spouse apply for the loan instead all together. You will still have a long row to hoe to get your credit back after a discharge of bankruptcy. |
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Kristin G
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You can get a loan now. As long as everything you owe on now is up to date with no late payments. You will have to go sub-prime which will mean a higher rate. That's not the end of the world, you can build your credit back up, refinance and get a better rate. Contact your local Broker to see what they can do for you. |
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catch22
 |
I have lenders that will lend one day out of BK |
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Skip
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There are some mortgage lenders that will give you a loan one day after the close of your bankruptcy.
If you are interested in getting a mortgage to purchase a new home then you should contact a mortgage "Broker" that is a specialist in sub-prime and Alt-A mortgages.
This mortgage speciaist will qualify you for a 3/27 or a 2/28 loan. This loan is amortized for 30 years and is in fact a 30 year mortgage. The first number indicates how long the loan is fixed, after which the loan then turns into an adjustable mortgage. Which ever you select will give you sufficient time for your bankruptcy to mature of get older, and for you to get 24 or 36 months of good mortgage history behind you that is provable. This allows you to refinance the loan before it goes into an adjustable, without paying a penalty.
You will need the same items to qualify for a mortgage as anyone else, W-2 for the last 2 years of all that will be on the mortgage as well as a complete month of pay stubs for all that will be on the mortgage. Next you will need to provide this broker with 6 months bank statements of all savings and checking accounts you have to include stocks and bonds as well as your 401k program where you are employed.
Most states, especially in the states that are community property, states require that the spouse be on the mortgage and or deed. There are exceptions where you can sign a quit claim deed or a mortgage waiver.
The lower the debt to income ratio the better, so in answer to your question, it would be better to go on the mortgage with your spouse.
I hope this has been of some use to you, good luck.
"FIGHT ON" |
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L8 2 Day
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There are Mortgage lender's out there that say they will lend after 2 days out of BK Discharged. I personally have never financed one before. Most lender's if your spouse's credit is better and they can finance them with out your income this would be the best way to do it. Because as a co-signer on a mortgage, your credit and income are just as important as the borrower. Most lender's if you have the bigger income will have you as the primary borrower, so this will really defeats the purpose of what you are trying to do. So they have loans out there for you and they have not so good interest rate along with them. It is possible to do, however having your spouse do the loan in their name and maybe a stated program will get you a decent rate and term. This could give a couple of years to fix and re-establish your credit, and become a borrower in the future. Hope this will help. |
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Victor Q
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first and foremost.. 1 day. out.
second I can help you get qualified. using the higher fico with both incomes. to make you dti work. just make sure no liens eat up your equtiy. and have the discharge papers. I work with all banks. if you need helpwith your loan
email me victor@atlantisrei.com |
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hugh.G.rection
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Novastar mortgage is capable of using both your incomes and putting your husband as the primary borrower even if you have more income. Not 100% on thier bk guidlines but I would check with them on getting a loan qual. |
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johncondon2002@yahoo.com
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7 years |
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