I just got discharge from filing bankrupty. I want to purchase me home. Will I be able to? If so, how do I go about finding a lend

If you filed BK - 13, then you could apply now so long as your credit scores and income are sufficient.. If you filed CH 7, then you would have to wait 2 years.. if there was a home included in a CH 7, then you would need to wait 3 years from the date the property was taken out of your name, not BK discharge date, but the date the deed was transferred out of your name... 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

Unfortunately almost all lenders will require that you reestablish your credit after a bankruptcy and they take the date of discharge to calculate the 2 year waiting period. Finding lenders that will waive that is just about impossible any more. I'm afraid you are going to have to wait the two years and rebuild your credit so that it looks more favorable to the new lender.

Discharged from BK7 or BK13 ??

I would need to know if it was a chpt 7, 11 or 13. Most lenders will require a waiting period of 4 years from the discharge date. They will also see that you have rebuilt or established new credit and that you have used it wisely for a conventional loan. FHA may finance you after 2 yrs out of a chpt 7 with new credit established. VA is also 2 yrs after the chpt 7.If you have questions just give me a call at the office, Regards, George

Discharged from BK 7 or BK13?? A little more information.............

If it was a chapter 13 than yes it is possible. If it was a chapter 7 then you will need to wait a minimum of 2 years.Call us or email us at 201-962-3555 or Team@BestMortgageOption.com for ano cost no obligation analysis of your situation.Ask for Michelle or Benny We will find the Best Mortgage Option to suit your needs!You can check us out at www.BestMortgageOption.com