I had a bankruptcy (not a work out) discharged on 6/1/10 - One home was not removed by the bank until 9/11
You should have passed the 2 year threshold for bankruptcy limitations for most home loans if you reaffirmed your home loan is the bankruptcy. If your home loan was included in the bankruptcy and discharged then you most likely have to wait 3 years after bankruptcy. If you are over the age of 62 and you...

What are the employment requirements for USDA loans?
USDA loans, like other government loan programs, requires verification of the 2 years previous employment. Be aware that there are also income limitations based on your geographic location. Here in Louisiana, the maximum allowable income for a USDA loan is $75,000. Check with a broker in your area to...

Can I get a HARP refinance with poor credit?
The HARP program does have payment history requirements. The basic requirement is that you do not have any late payments over the last 12 month period. Beware that some lenders require that paymets were madce on time for the last 24 months and even some require that you have not made any mortgage...

Not receiving statments?
Some lenders are going through a busy part of the year. Call your Lender quickly and have them resolve the pronlem. Remember that not recieving does not relieve you from the obligation of making the payment on time. Good LuckDoug Caire - Oak Tree Mortgage Company - 504-684-8522