can I get a loan even though I filed banckruptcy three months ago?

If you filed chapter 7, then you would have to wait 2 years from the discharge date, and if there was a home involved that went back to the bank, then it's 3 years from the date the property is/was transferred out of your name.. if you filed CH-13, then you have to make 12 on time payments before consideration.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. 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

If it was a Chapter 13 then you need 12 months good payment history before you can qualify for a new mortgage. If it was a Chapter 7 then you need to wait at least two years from the discharge date. I hope that helps.

Not through any traditional mortgage options. Guidelines for conventional loans require a 4 year waiting period for Chapter 7 or 11 after discharge (2 years with extenuating circumstances). Chapter 13 is 2 years from discharge date and 4 years from dismissal date. To obtain an FHA loan or a VA loan after a Chapter 7 bankruptcy, you must wait two years from the date your Chapter 7 is discharged (one year with extenuating circumstances). You can obtain an FHA loan during a Chapter 13 bankruptcy as long as you have made 12 months of satisfactory Chapter 13 plan payments, but you must have bankruptcy court approval to get the loan. In the case of either an FHA loan or a VA loan, you must provide an explanation of the bankruptcy.The other factor is your credit score. I assume you took a big hit to your credit rating so over the next year(s) you should work to get your credit score back up. It can be done but you need to work at it. If you have a substantial down payment you might look at owner financing options. Good luck.

Dependign on your discharge date, you will need 12-24 months out of bankruptcy.

Hi Mike...For right now you need to rebuild your credit and stay on top of it moving forward. There is a waiting period from the date of discharge. That gives you time to rebuild your credit and start saving toward future goal.I hope this helps. I am a lender in New Jersey, but the guidelines are standard regarding bk's..

Yes , you can! Andrew Alfonso

Look for a lease option or rent to own. That way you can establish a housing payment history, as you wait for the BK to season. I have sold several houses this way in the Portland, OR area. Also, seek to establish your credit with a secured credit card from a local bank.

Yes I agree with the answer the other fine Loan officers write. They are both right on. Call me in Florida if need help 954 558 4430

While many people will talk about the possibilities of earlier, it never really happens. Expect the standard two-year wait period.