My home was included in bankruptcy because the bank said they do not reaffirm mortgages. It has been 3 years since the discharge d

Need more info and a question. Did you give back the home, or are you still in it making payments. What is the status of the loan? Current, past due, foreclosed? If foreclosed, when? If was delinquent, when did you bring it current? What are you trying to do? ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com 888-889-9950

I'm guessing that if you filed BK and included your home in the BK, then the 3 year waiting period starts when the home transferred out of your name, not from the discharge date of your BK.. In most situations, if you walk away from your home, BK or otherwise, the lender will sometimes take 1 to 3 years to foreclose.. Since you have zero control of when the mortgage lender decides to foreclose, you also have no control of the property coming out of your name. The clock starts when the home is foreclosed and is no longer in your name.. You can search your county recorder's office for a copy of the Trustee's Deed.. That's the date the lender will use for your 3 year waiting period.. 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

Will need more info regarding your home. Foreclosure? when?

Hi Jenpen, it sounds like you are ready to purchase again. As long as you have re-established credit since the bankruptcy, have had no bad credit and it has been 3 years since the discharge, you can do FHA financing if your credit score meets the lender requirements. I will be happy to pre-qualify you. Call me @ 386-569-3761 or email me @ lisa@gulf-western.com. I am from the Orlando area myself!Lisa OglesbyGulf & Western Mortgage

Need more info. If you are wanting to purchase again you will have to wait 3 years from the time your home was transferred out of your name. We cover FL if you would like to discuss further. We can send you info and guidelines you need to know to be ready to purchase again. Team@BestMortgageOption.com 754-444-9705

Good Morning,To answer your question, the guidelines for FHA are once your bankruptcy has been discharged for 2 years and you have adequate credit score and re-established credit you are eligible for a mortgage with 3.5% down. As for a foreclosure, it must have been discharged 3 years. If you would like to talk to me more in depth about this please call me at 727-460-9418 (c) or 727-530-9404 (office) or email me at lindab1stchoice@hotmail.com and I will be glad to see what I can do to get you pre-qualified for a mortgage. Best regards,Linda BurekSr. Loan OfficerFirst Choice Mortgage