am 2 years from bankruptcy credit around 595

Yes, there are options out there for you. FHA only requires a 2 year wait period from a chapter 7 discharge date and we accept FICO scores as low as 500. 500-579 requires a 10% down payment and 580+ allows for the minimum 3.5%. Feel free to reach out if you have any additional questions or would like to discuss your scenario further.

Possibly, but we would need much more info to advise you.. First, there's FHA.. with FHA's back to work program, you have to be at least 12 months out of your BK, have established credit and meet some very strict guidelines. Please note that very few people who apply for this program actually get approved.. and with a credit score of 595, i wouldn't get your hopes up. Then after this.. FHA will do a loan once you are 2 years out, assuming there was no foreclosure involved in your BK.. If there was, then you need to wait 3 years. Also, not every lender has programs which lend to 595 borrowers.. the lower the credit score, the more difficult it is to obtain financing, regardless of what others say.. I'll caution you on another point.. if you have bad credit after the BK, then a lot of lenders will frown on that as well.. and might deny you. Outside of FHA, Conventional will make you wait 4 years after a BK.. Then there's Hard Money lenders.. These lenders will lend to you 1 day out of BK or Foreclosure.. but you would need a huge down payment..and you will pay a much higher rate. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893