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| *Ostroff, Fair and Company>>>Renting & Real Estate |
What Texas Mortgage Co. do I have the best shot of getting Approved with 2 years after bankruptcy/foreclosure? |
the bankruptcy was over 2 years ago, and was a chapter 7. our house was included in the bankruptcy. we are ready to buy again now but were turned down by ''Quicken Loans" for 2 reasons: both of our scores were under 600 and the bankruptcy has not been discharged long enough. (4 years) Any mortgage broker that does subprime lending (which most of them do) can help you. One option: call Top Flite Financial's corporate headquarters (517-655-2140) and ask them for contact info for their Texas office. Another option: call Delta Funding (800-225-5335) and ask to be put in touch with one of their brokers in Texas. Source(s): I'm a mortgage broker. I'm not sure I live in Michigan and it's like 2 years here I'm filing bankruptcy as well but keeping my home, um do not go with Rock Financial/Quicken loans, they are the WORST ever and will rip you off no matter what. Do you have a Flagstar Bank anywhere in Texas? they are good. Definately pays to shop around, talk to people and do your research. banktruptcy is really rough on your credit but don't lose hope. I feel for you! Try TexasLending.com - they worked with us to get us approved. However, with that history there may not be much that they can do (or if they can, the rates that will be charged will make your payments astronomically high). You might be better off saving for a couple of years and then applying when the bankruptcy is older. It will also give you a chance to improve your credit scores and qualify for a better rate. you will get approved if you go through www.restructureyourmortgage.co... they specialize in credit repair programs. Best of luck. |
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