Are you slowly getting back on your feet after your bankruptcy and planning to go for a mortgage after bankruptcy? Before you can apply for a mortgage after bankruptcy, you should know first how to qualify
You would probably be OK... However, if you have those assets at your disposal, you might want to do some really brief credit repair before you go in to buy. Its one thing to QUALIFY for the home loan, and it is another thing entirely to qualify at the best possible terms and rates, etc. We would want to at least make sure that we were analyzing any possible opportunity to improve your situation before we ran off and locked a higher interest rate loan...
I can tell you what to do, and if it makes sense to have me do it for you, great. If not, take the info to another lender and have them do the following:
Pull your credit (or review your credit that you have already pulled) and make some recommendations based on your CURRENT situation, as well as a situation where you have a roadmap to improve your score slightly. With 20% down it is best case to do a conventional loan, however, if you are stuck doing FHA because of a FICO score issue, you might want to adjust your cash down, because rates will not improve, and MI will not go away with FHA even with 20% down.
Bottom line, get your situation fully analyzed, and get someone who will advise you of your options, as well as options moving forward if they dont exist now. Dont use a "vending machine" lender who just throws loans out there. Use someone with the experience to advise you of not just where you are now, but the potential road you can take to improve your position.
I can help if you'd like, but I would most likely require you to come into my office in UTC so that we could meet and discuss in great detail. Let me know if that makes sense, and if not, I wish you the absolute best of luck!
WJ Bradley Mortgage Capital, LLC
I suggest you find a Realtor in your area and get a market analysis of your situation. The best advice will be from a local agent who can go over your property, its value and the pros and cons of the choices and figure what really is best for you. There are many issues to be considered.
Good luck.... more
FBS operates Rental Properties for Independent Owners in 69 zip codes throughout the region. We do so utilizing Industry Best Practices which has direct benefits to our renters. We have provided superior
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This Month in San Diego, California Real Estate -December 2013http://www.laurasandiego.com/sell/Updating your house will not only make it more appealing to buyers when you decide to put it on the market,
Yes, they still exist. Here are a couple of links to web sites on the subject and I suggest that you contact a few lenders to learn more first-hand what the criteria is as they are the experts.
Prudential Connecticut Realty... more
Pacificwide Lending has programs for Foreign Nationals. with 30 to 50% down we can fund your loan within 30 days. feel free to give me a call to discuss the details. Darren Carlin Pacificwide Lending Pleasanton California cell phone number 925-872-0695... more
Hello Antione Myers,
Please contact me, I can refer you to a great program for first time home buyers that will provide assistance with down payment, interest rates and closing cost.
Please email me what your intentions are......(Looking to rent or purchase). I will provide you with a list of homes within your search criteria and also that particular area. Thank you for your time and I look forward to hearing from you soon!
CA BRE# 01703306
Powered By Big Block Realty... more
North Park, Zip Code 92104 had 6 home sales in the past 7 days,AddressBed/BathSq. Ft.Sale Price4262 Wilson Ave #71/1540$145,0003957 30th St #3131/1801$265,0003617 Boundary St2/2720$452,0003440 Palm St2/11
There are other things to consider such as where you work (commute) and what kind of home you want to live in. Feel free to contact me directly and we can explore a couple of neighborhoods that I think would be a good fit for you!
McAllister Homes Real Estate
By: J.R. Thrasher of San Diego Real Estate Veterans Lic# 01888955 Find homes for sale near Jerabek Elementary School in Scripps Ranch. Our For Sale property information is a direct feed from the San
By: J.R. Thrasher of San Diego Real Estate Veterans Lic# 01888955 Find homes for sale near Miramar Ranch Elementary School in Scripps Ranch. Our For Sale property information is a direct feed from