What lenders will do a second if my bankruptcy was discharge August 2011. I have 700 credit and my loan to value is a 70%?

FHA allows loans once a bankruptcy is just two-years past the discharge date. Conventional is four years. There are possible extenuating circumstance rules for shorter periods, but they are super hard to get. Contact a local lender in your area, as it appears an FHA loan is OK today. www.JoeMetzler.com/fhaloans.htm

If you are looking for a 2nd Mortgage, then you may have some additional time to wait. I'd suggest you check with a local mortgage professional, Bank, and/or Credit Union to see what options they have for Equity Lines, assuming you are looking for a 2nd Mortgage with a 1st Mortgage already in place! Good Luck!

There is a helpful guide which I posted on Facebook page that outlines the waiting periods for each loan program. You can check it out at: www.facebook.com/JandJCoastal Call me with any questions at 949-478-FUND(3863) John A Soricelli Jr