Mortgage after Bankruptcy - can the waiting period be decreased if you have a cosigner?
Carlo Sanchez (MortgageLendingPro)
#0 ranked lender in Utah - 1,163 contributions
No. For BK 7 it is a minimum 2 years, but for a Bk13 the waiting period can be as little at 1yr with certain programs and by re-establishing good credit.
Nancy J Releford (nancyreleford)
#4 ranked lender in Tennessee - 233 contributions
The short answer is no. The time period is based on the discharge date not when filed. When you have a co- signor just remember their credit is evaluated along with income & debts. What is your situation? More information please.
James Mazzola (Mazzola)
#109 ranked lender in New Jersey - 314 contributions
it is a minimum 2 years
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