I have a doublewide on full basement with 4 and a half acres, that are paid off,chapter 7 discharged in sepember 2014,need loan

Hi Chuck, what caused you to file BK? Do you know the current credit score? Are you still working or retired?

Conventional you will need to wait for 4 years and for FHA 2 years. You might be able to find some non QM loan options since you have some equity. You should also call around to some local banks to see if they have any options. Best wishes, Sean

For any type of conforming financing, you will need to wait a minimum of 2 years unless one of the borrowers is 62 years or older.. then you would have an option to do a reverse mortgage. If your not 62+, then the only loan option would be private money.. typically these loans have much higher interest rates and much higher fees than your typical conforming loan. You would start by contacting a local mortgage broker. Once they see your complete loan profile / scenario, he can advise you properly. 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com