refinancing mortgage after chapter 13 discharge
A chapter 13 bankruptcy damages your credit score and stays on your report for up to 10 years after the discharge, according to MSN Money. Paying your bills on time helps improve the appearance of your credit history to lenders. The mortgage you want to refinance should always be paid on time,
Unable to refinance after Chapter 13 bankruptcy dismissal even with extenuating circumstances +1 vote My wife and I want to refinance our mortgage in Houston, Texas. Chapter 13: Two years from the discharge date, Refinance and get your get your mortgage payments reported on your credit. (To improve your credit.)
You should get a lawyer immediately after you're informed of the bankruptcy to. eligible for a mortgage or refinance: Two years after a Chapter 13 bankruptcy.
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In some cases (Chapter 13), an eligible recipient may in fact receive a loan even while in. *NOTE – in some extenuating circumstances the borrower may apply and be approved after the first year of discharge.. If the short payoff or short sale was not a defaulted mortgage and the. Refinance a home with a VA loan.
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My ch. 13 bankruptcy was discharged in March 2010. Prior to my BK, i had a FICO above 800. Since discharge, I have maintained good credit (665 FICO) and no late pays on car, mortgage, or one credit card (that was in husband’s name and not included in my personal BK).
Chapter 7 vs. Chapter 13. Here are the facts about refinancing your home mortgage after bankruptcy: If you filed for Chapter 7 bankruptcy, the courts wiped out almost all of your unsecured consumer debts, so when you qualify for a mortgage refinancing loan depends on the type of loan you want.
A conventional loan is any type of mortgage that is not secured by a. This option can save you money if you plan to move or refinance within 5-10 years.. following categories: Active-duty Veterans discharged during WWII or later,. Getting qualified for a VA loan after chapter 13 bankruptcy is similar to other loan types.
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