can you still get a hom elender while in chapter 13 - 100% pay back?

Possibly. Provided you have been in the Chapter 13 and have paid at least 12 of the required payments of the plan AND you have permission of the Trustee, then assuming you meet the other underwriting criteria, such as job time, residence time Debt-to-Income and Loan-to-Value ratios, it is possible to get a new FHA or VA loan. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com 888-889-9950

Yes, and No.. The guidelines state, as Bert suggested, 12 months on time payments, good credit scores, job time, income, etc.. Then you can get approved.. The problem is that most underwriters will look at your scenario with a magnifying glass and even though you meet the guidelines for FHA, they could still turn you down.. The key is to find the lender that will allow borrowers to purchases while in a BK13.. as most don't allow it, there are a few that do.. 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

Yes as long as you have 12 months timely payments on the chapter 13. Get into touch with me I should be able to help you. P: 888-320-7888 Ken@MortgagesforAmerica.org

Bankruptcy (Chapter 13)A distinction is made between Chapter 13 bankruptcies that were discharged and those thatwere dismissed. The waiting period required for Chapter 13 bankruptcy actions is measured asfollows:o two years from the discharge date, oro four years from the dismissal date.The shorter waiting period based on the discharge date recognizes that borrowers have alreadymet a portion of the waiting period within the time needed for the successful completion of aChapter 13 plan and subsequent dischargeGood LuckMG

I do agree with Bert Carpenter's comment and did give it a thumbs up. The only thing I will add is that underwriters will review your file with caution. Additionally, as long as you are still in the Chapter 13 what Bert says is correct. If by chance you completed the Chapter 13 and that is over an finished, I have seen underwriters apply other time limits AFTER THE BANKRUPTCY WAS COMPLETE. Talk with a local lender and make sure they know all the facts.

Conventional financing is not an option until after two years (if extenuating circumstances) or 4 years (for financial mismanagement). For FHA financing you can obtain financing after 12 months of on-time payments AND permission from your trustee. If you need a Licensed Originator in Ohio, please call 888-659-3848. It's my direct line. Best to you, Kimberly Lawson NMLS 5601, OH.LO.004495.000 First Priority Financial, Inc. MBMB.850147.001 NMLS 3257 748 N Court Street Ste 201 Medina, Ohio 44256

If you have permission from the trustee and 12 consecutive on time payments of the plan. Then you are eligible if you meet all the other criteria for the loan.

If you are in chapter 13 and have made at least 12 payments all on time then you should be able to find a lender that will look at your situation provided you can meet all the other requirements

If you are still in the chapter 13 bankrupty and have paid at least 12 payments with no lates and get permission from the trustee, then it is possible to get a mortgage but like Bert and others said ,several other conditions must be meet such as credit, credit scores, debt ratio and etc.

Yes as long as you have 12 months timely payments on the chapter 13

Maybe... First you need to have been in the Chapter 13 and have made at least 12 successful payment. Second, you need to speak to your Trustee to get permission. If you get past the first two, now you need to get a lender to say OK.