Chapter 13 Mortgage Guidelines
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Chapter 13 Mortgage Guidelines For FHA and VA Loans

ByGustan Cho
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Apply Now In this article, we will cover Chapter 13 Mortgage Guidelines for FHA and VA loans. Both FHA and VA loans Chapter 13 Mortgage Guidelines are exactly the same. The only two traditional mortgage loan program that allow for manual underwriting are FHA and VA loans. The manual underwriting guidelines for FHA and VA…

Getting a Mortgage After Bankruptcy and Foreclosure
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Can I Get a Mortgage After Bankruptcy and Foreclosure

ByGustan Cho
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This article covers buying a house and qualifying for a mortgage after bankruptcy and foreclosure. The mortgage industry underwent a major overhaul after the 2008 real estate and mortgage meltdown. The NMLS was created after implementing the SAFE Act and the New Banking Regulations. The Dodd-Frank Act was passed, and the mortgage industry would never…

Home Loan With Late Payments After Bankruptcy
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Home Loan With Late Payments After Bankruptcy

ByAlec Finn
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This article will discuss the steps of getting approved for a home loan with late payments after bankruptcy. Qualifying for a Home Loan With Late Payments After Bankruptcy will be difficult for many lenders. Gustan Cho Associates has helped countless folks with late payments after bankruptcy qualify for mortgage loans. The impact of the 2008…

HUD Chapter 13 Guidelines With Late Payments
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HUD Chapter 13 Guidelines With Late Payments on FHA Loans

ByMichael Gracz
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This guide will cover the HUD Chapter 13 Guidelines with late payments on FHA loans. We will discuss qualifying for FHA loans during Chapter 13 Bankruptcy and whether you will be eligible for late payments.  Gustan Cho Associates are mortgage experts when it comes to guidelines surrounding bankruptcies. We offer all Conventional, FHA, and VA…

Non-QM Loans One Day Out of Foreclosure
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Non-QM Loans One Day Out of Foreclosure and Bankruptcy

ByAlec Finn
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In this article, we will cover qualifying for non-QM loans one day out of foreclosure and bankruptcy. We will discuss how you can now qualify for a home mortgage after a foreclosure, deed in lieu of foreclosure, and short sale with no waiting period requirements. However, the down payment requirements is higher than the traditional…

Qualifying For Home Loan After Bankruptcy
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Qualifying For Home Loan After Bankruptcy And Housing Event

ByGustan Cho
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In this article, we will discuss and cover Qualifying For Home Loan After Bankruptcy And Housing Event. The journey to homeownership can be challenging, especially after experiencing a financial setback like bankruptcy or a significant housing event such as foreclosure or a short sale. However, it is important to know that all is not lost….

Debts From Ex-Spouse On Credit Report And How It Affects Borrower
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Waiting Period After Foreclosure To Qualify For Mortgage

ByGustan Cho
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This Article Is About The Waiting Period After Foreclosure To Qualify For Mortgage For those who are planning on buying a new home and qualifying for a new residential mortgage loan but have prior foreclosure, deed in lieu of foreclosure, short sale, and/or bankruptcy, there is a mandatory Waiting Period After Foreclosure To Qualify For…

Mortgage Included In Bankruptcy
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Fannie Mae Guidelines on Mortgage Included in Bankruptcy

ByGustan Cho
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In this article, we will cover Fannie Mae guidelines on mortgage included in Bankruptcy. We will discuss what having a prior mortgage included in bankruptcy means for the waiting period requirements to qualify for a conventional loan. What is the waiting period start date? Is it the date of the housing event or the discharge…

Mortgage After Filing Chapter 13 Bankruptcy

Mortgage After Filing Chapter 13 Bankruptcy

ByGustan Cho
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One of the frequently asked questions is can I qualify for a mortgage after filing Chapter 13 Bankruptcy without being discharged? A Chapter 13 Bankruptcy is normally a five-year debt restructuring plan under the direction of the U.S. Bankruptcy Courts. This is a long period of time to wait to purchase a house during a…

FHA Loans After Chapter 13 Bankruptcy

FHA Loans After Chapter 13 Bankruptcy Guidelines

ByGustan Cho
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Emerging from Chapter 13 bankruptcy can be a challenging but transformative journey. Federal Housing Administration (FHA) loans provide a viable path forward for individuals eager to embark on homeownership. This comprehensive guide will delve into the FHA guidelines for obtaining a home loan after Chapter 13 bankruptcy, exploring the eligibility criteria, waiting periods, and steps…

Qualifying For FHA Loan After Foreclosure And Deed In Lieu Of Foreclosure
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FHA Loan After Foreclosure Waiting Period Requirements

ByMargarett Jurilla
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In this article, we will be covering qualifying for an FHA loan after foreclosure waiting period requirements. HUD, the parent of FHA, has mandatory waiting period requirements after a housing event. A housing event is a foreclosure, a deed in lieu of foreclosure, or a short sale. We will also cover other mortgage loan options…

Cash-Out Refinance In Chapter 13 Bankruptcy
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Can I Do a Cash-Out Refinance In Chapter 13 Bankruptcy?

ByGustan Cho
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Homeowners with equity in their homes can do a cash-out refinance in Chapter 13 Bankruptcy repayment plan to buy out Chapter 13. Home prices have skyrocketed in the past four years. Home prices have gone up 43% nationwide. The coronavirus outbreak in 2020 did not make a dent in the housing market. While the housing…