Refinancing Your Home Mortgage after bankruptcy
Refinancing Your Home Mortgage after bankruptcy
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Home Page > Finance > Mortgage > Refinancing Your Home Mortgage after bankruptcy
Refinancing Your Home Mortgage after bankruptcy
Posted: Nov 07, 2010 |Comments: 0
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It may surprise you, but it is possible, bankruptcy refinance mortgage for a first or second mortgage. In fact, it could help rebuild your credit score FICO rule. Six months after the bankruptcy was dismissed or closed, you will find that lenders are actually willing to refinance your mortgage. Especially if you have a variable interest rate home mortgage refinancing or second mortgagecould be thousands of dollars because the mortgage interest rates increase rapidly, and now it’s time to refinance fixed rate mortgage at home.
Even if you have a variable interest rate, but the safest debt, the students were dismissed from your bankruptcy loan (like a car or money), it could save lots of money home with a consolidation loan debt. You will probably get a higher interest rate under a “pay bad credit loan with aSubprime lenders. But you could still save money by refinancing your mortgage first or second mortgage on your home loan. The following tips will help you get the best mortgage refinancing options.
Before Immediately after the bankruptcy discharge, is preparing to begin the story refinance mortgage loans on second or first through the creation of a good salary. Pay bills and mortgages under way (s) on time every month. This will charge your credit cardScore.
According Get your credit reports safe from all three credit bureaus – Experian, Equifax and Trans Union and ask that your accounts are accurately reported failure. Chances are every 30 days, 60 days, 90 days, collection and charge-off or derogatory information on credit reports for accounts that were discharged from your bankruptcy. So the first thing to do to ensure that these accounts will be updated to say “failure”. Under the Fair CreditReporting Act (FCRA), the agency reports and consumer information provider (creditor) are responsible for correcting inaccurate, incomplete or outdated in the report. Otherwise, your credit score will be reduced unnecessarily, and are probably more interest on the loan than you should.
Third Start mortgage lenders search. Remember to keep rates on interest rates, fees and points in the eye, and the cost of refinancing involved. Youcertainly more than a few percent to pay a conventional mortgage, and then try to negotiate the cost of a loan with a lower package.
A fourth cause of your bankruptcy, you are a target for predatory lending. Make sure you know that prices for bad credit loans by subprime lenders, pay attention to the conditions of a loan, including what type of mortgage, the presence of prepayment penalties, balloon payments, high or low Down payment mortgage insuranceRequirements, payment methods, lock-in-time and other characteristics of the loan, before signing the papers.
Fifth Know your rights. The Federal Reserve Board notes that under federal law, you have three business days after signing the loan documents to cancel the transaction for any reason without penalty. You must cancel in writing within the time window of three days of business, and have the creditor must return the money paid so far. This legal protection for all consumers, includingare bankrupt.
Sixth When you refinance your first or second home loan or debt consolidation loan, and you have maintained your payments on it, and all other bills, shop for a new loan of about two years. You should have a much better interest rate and loan package.
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Is there ANY help for homeowners with an FHA mortgage that are lucky enough to still have their jobs, not late on payments.. but are completely under water with their home values and just want to refi
I am 62 years old ,retired and a home owner with home owners insurane. Can I apply for a reverse mortgage loan or any other debt consolidation loan
My ex husband lives overseas and has a $13k debt owing..our home has his name on the title although I have paid the mortgage for 3 years.Can he be bankrupted and my home sold???
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Categories: Refinance Loans Tags: After, Bankruptcy, Home, mortgage, refinancing
Mortgage Driven Bankruptcy Filings against the Backdrop of an Amended Bankruptcy Code
Mortgage Driven Bankruptcy Filings against the Backdrop of an Amended Bankruptcy Code
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Home Page > Finance > Mortgage > Mortgage Driven Bankruptcy Filings against the Backdrop of an Amended Bankruptcy Code
Mortgage Driven Bankruptcy Filings against the Backdrop of an Amended Bankruptcy Code
Posted: Apr 14, 2009 |Comments: 0
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Bankruptcy used to be the stigma laden option for consumers who were simply too deep in debt to find a way out. In the past Chapter 7 filings could lighten the debt load for filers by simply doing away with credit card bills and other unsecured loans. In some cases, homeowners could even keep their homes and cars, depending on their ability to repay the loans and of course also the amount of equity contained within the asset.
When changes to the bankruptcy code were submitted – making it much more favorable for unsecured creditors like credit companies – and kept consumers repaying outstanding balances as part of their filing requirements, the fast paced return to a life without fiscal woes was greatly curtailed. As the housing boom bottomed out, and a waning economy sent more and more homeowners into bankruptcy, the amounts of seized parcels of real property skyrocketed and empty homes litter residential streets, driving down home prices.
Since there is hardly a waiting number of consumers for these foreclosed properties, a number of state attorneys general have now come out in favor of a further amendment to the bankruptcy code that would put the bankruptcy court in the position to order banks to proceed with mortgage loan modifications. Proponents believe that this step will protect large numbers of bankrupt homeowners from actually having their homes seized and added to staggeringly high inventory of already foreclosed homes.
Bankers and mortgage investors are not too keen on the idea, since it essentially places the risk of bad mortgages back on them, leaving them to figure out how to make a home affordable for a debtor who is essentially out of disposable income. Banks argue that such a move would greatly increase the cost of mortgages for all consumers, since banks would have to protect themselves against the potential for high impact costs this kind of program might have for them.
The current political climate in Washington, however, does not have a lot of sympathy for creditors and for banks that are crying foul and as such the Obama Administration is favored to see this measure through. What is more, since proponents crunched the numbers, they came to the realization that the actual increase would only be about 0.15 points to current mortgage rates, keeping them still rather competitively priced for those considering the purchase of a home or the refinance of an existing home.
With so much opposition, it is not surprising that banks might find themselves in the unenviable position of having to change their business practices. While thus far they have been extremely slow to let go of the bailout money they previously received for the funding of consumer loans, they might before long find themselves to be court ordered to do so. It is anyone’s guess what the long tern effect of this kind of financial climate will be. As it stands, beleaguered homeowners appreciate the opportunity to remain in their homes, even as their finances are in shambles.
In order to compare the lowest mortgage rates, you can visit our site www.lender411.com.
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Krista Scruggs is an article contributor to Lender411.com. Whether you are looking for fixed mortgage rates, variable adjustable mortgage rates (ARM), jumbo loans,interest only or even specialized mortgages such as bad credit mortgage or reverse mortgages, we will match you with up to 4 qualified lenders with 4 mortgage quotes. and any other unique situation you might be in), we will match you up with the right company.
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I am in the process of filing chapter 7 bankruptcy now. Does this mean that I will lose my refund when I file next year? (for 2010)
I filed bankruptcy in the past, can I file once more?
What are the repercussions of filing bankruptcy ?
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Categories: Mortgage Refinance Tags: against, Amended, Backdrop, Bankruptcy, Code, Driven, filings, mortgage
How to Refinance Your Mortgage Loan After Chapter 7 or Chapter 13 Bankruptcy
How to Refinance Your Mortgage Loan After Chapter 7 or Chapter 13 Bankruptcy
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Home Page > Finance > Mortgage > How to Refinance Your Mortgage Loan After Chapter 7 or Chapter 13 Bankruptcy
How to Refinance Your Mortgage Loan After Chapter 7 or Chapter 13 Bankruptcy
Posted: Sep 09, 2010 |Comments: 0
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Have you recently register for Chapter 7 or Chapter 13 bankruptcy and need a mortgage refinancing loan?
It is required no question that the filing for bankruptcy has a negative effect on your credit card. If you opt for a mortgage, credit card or even a small unsecured personal loans, your potential lender pulls your credit report. After a bankruptcy or chargeoff on your credit report is a red flag that the lender who tells you probably do not pay to get back your loan.
You can refinance yourMortgage after bankruptcy? The quick answer is “yes.” You can use a home equity loan, HELOC, or refinance get cash loans even after bankruptcy.
Getting A Mortgage Refinance Loan After Chapter 7 Bankruptcy
If you filed Chapter 7 bankruptcy, chances are, you could keep your home. Are you one of the lucky ones in a state like Florida, California, Nevada and a number of other states which have seen significant appreciations in the house property lifeValues – you can have anywhere between 5% and 50% equity in your home. You can pay off to take advantage of this equity to any outstanding debts that are left over after bankruptcy or to care for other financial needs.
The news about Chapter 7 bankruptcy is that it offers a fresh start and removes most of your debts with the exception of 19 cases in which the claims are not dismissed. These cases include child benefits, taxes, student loans, fines and restitution imposedCourts.
If you are still paying student loans or taxes – there is no better time to fight them than now. Give to start fresh.
You can refinance a mortgage loan, literally the day after the Chapter 7 bankruptcy is discharged. You do not have to wait for a certain period of time. You need to find sub-prime mortgage, refinance loan lenders who specialize in cash to refinance, home equity loans and HELOCs for a mortgage program that is suitable foryour credit score – it was 450, 480, 500, 550 or 600
Getting A Mortgage Loans loan after Chapter 13 Bankruptcy
Chapter 13 bankruptcy allows individuals to reorganize their finances. If a consumer files for Chapter 13, suggests the consumer a plan to repay its creditors over a 3 to 5 years. During this time, the creditor can not torture or attempt to collect on any of the previously incurred debts.
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How many times can you file a chapter 13 bankruptcy ?
I’m currently in a chapter 13 payback program. I strugglle to pay monthly bills as well as my mortgage payment each month. Would I be eligible for a bk buyout and mortgage refinance
I want to file for chapter 7 bankruptcy do I have to include my ssdi income on the means test and schedules. Also I am 9000 in debt and my car loan was sent to reposessions can I still keep it?
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Categories: Refinance Loans Tags: After, Bankruptcy, Chapter, Loan, mortgage, REFINANCE
Bankruptcy Alternative: Ways to Avoid Personal Bankruptcy
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Home Page > Finance > Personal Finance > Bankruptcy Alternative: Ways to Avoid Personal Bankruptcy
Bankruptcy Alternative: Ways to Avoid Personal Bankruptcy
Posted: Sep 12, 2009 |Comments: 0
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Each type of bankruptcy alternative should be investigated before filing for bankruptcy protection. Although bankruptcy can cease creditor harassment and halt foreclosure proceedings, debtors are required to repay a portion of their debts under Chapter 13 unless they are poverty-stricken.
Conduct research to determine the best type of bankruptcy alternative suited for your needs. Many options exist including debt consolidation, debt settlement, credit counseling and budgeting. Each offers advantages and disadvantages.
Budgeting is the most under-rated and under-utilized bankruptcy alternative. However, this simple technique is the most effective way to avoid bankruptcy and costs nothing to implement. Many Americans live paycheck to paycheck and pray no unexpected expenses or emergencies arise. Although some people simply do not earn sufficient income to meet monthly expenses, most people are in financial turmoil because they do not pay attention to where they spend their money.
A simple, efficient way to monitor spending habits is to carry a notepad and pen and record every penny spent. From the morning latte and fast food lunch to the tank of gas and cart of groceries; every expense should be accounted for. This simple procedure can swiftly reveal frivolous spending.
Budgeting requires self-discipline and the desire to stick to the plan. In order to succeed, you must thoroughly review finances and spending habits and create a get-out-of-debt plan. An abundance of information and budgeting tips can be found via the Internet and they don’t cost a dime.
Debt consolidation is a popular bankruptcy alternative. Debt consolidation loans are usually reserved for homeowners. However, some banks provide debt consolidation loans to consumers with good credit or those with a qualified co-signer.
Debt consolidation requires homeowners to refinance their home mortgage and transfer outstanding debts into a new loan. Borrowers can obtain cash from accrued equity and use it to pay off credit cards and outstanding debts.
Obtaining a home equity loan is not without risk. Careful consideration should be given to this type of bankruptcy alternative. Borrowers who become delinquent on mortgage loans place their home at risk for foreclosure.
Home equity loans are paid over a period of 10 to 15 years. Debtors end up paying additional interest over an extended period of time. It is crucial to calculate the actual cost of debt consolidation before placing your home at risk to repay creditors.
Debt settlement can be a good option for individuals who owe $10,000 or more in unsecured debt. This bankruptcy alternative involves negotiating with creditors to reduce interest rates or loan balances. Debtors can negotiate directly with their creditors or use the services of a professional debt settlement company.
Credit counseling is an easy and affordable bankruptcy alternative for people who do not have a good grasp on money management. Many people who struggle with finances have never been taught how to handle money or create a household budget. Credit counselors provide financial education and money-saving resources. Some credit counseling organizations also assist with creditor negotiations.
Bankruptcy has far-reaching effects that can haunt you for a decade. Take time to explore available options or consult with professionals. In today’s economy, your credit score is more important than ever. Do what you can to improve and protect it.
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Author and real estate investor, Simon Volkov, offers solutions to people facing financial hardships. His specialties include foreclosure, short sales, bankruptcy, and bankruptcy alternative. If you need to sell your house or valuable assets such as cash flow notes, promissory notes, or inheritance assets visit www.SimonVolkov.com today.
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I and my girlfriend had unprotected sex 10 days before, she says that her periods havent started yet which was expected to come days after our intercourse, pls suggest a way 2 avoid pregnancy
I have grey hair and i am using hair color inorder to cover the grey hair but i feel like my greys are becoming more and i am very much worried. i am 21 now can i get any alternative to avoid the grey
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Categories: Mortgage Refinance Tags: Alternative, Avoid, Bankruptcy, Personal, ways
Life after Bankruptcy – How to Restore Your Credit after a Bankruptcy
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Home Page > Finance > Life after Bankruptcy – How to Restore Your Credit after a Bankruptcy
Life after Bankruptcy – How to Restore Your Credit after a Bankruptcy
Posted: Sep 07, 2010 |Comments: 0
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It is unfortunate that many bankruptcy attorneys do not give their clients more direction with regard to restoring themselves after their bankruptcy. There are some simple steps that anyone who files a bankruptcy needs to take in order to restore themselves financially. Using these steps below, you can restore your credit and prepare yourself to become a home owner. 1. Get a copy of your credit report. Many times (most times) the credit accounts that are absolved with your bankruptcy are not removed from your credit report immediately. 2. Have derogatory credit items removed from your credit report. For the items charged off in your bankruptcy, you will need to send a copy (not the original) of your bankruptcy discharge papers to all 3 of the credit bureaus asking them to remove these inaccuracies. 3. Pay all of your bills on time. Bankruptcy is a means to financial recovery. It is intended to allow you to “start over” financially. After your bankruptcy, you need to make sure that all of your bills are paid on time. If you are having trouble with an upcoming bill, DO NOT IGNORE IT. This is where most people go wrong. Call your creditors before they call you and let them know what your challenges are. If you can’t get a reasonable rep on the line, ask for a supervisor, but again, do this as early as possible, not the day the bill is due or after it is late. If you are having trouble with your bills, you may need to solicit some help. 4. Have a strong documented rental history. This is pretty critical, as it is most likely the largest monthly expense that you have. Underwriters (the people that actually sign off on your loan’s approval) will look very hard at how you have paid your rent as they are going to replace it with a mortgage payment of equal or greater size. It is very important to be able to document your rent payment history very specifically. If you rent from an apartment community, then all the bank will have to do is request a Verification of Rent (a.k.a. VOR). If you have a private landlord, then the BEST way to document this is with cancelled checks for the last 12 months rent. Banks can do VOR’s for private landlords, but rarely do because they feel that a landlord may have a relationship with the borrower and say what the bank wants to hear to help them get a loan. If you pay with cash or money orders, please stop doing this immediately and start paying with checks. Simply put, this is hurting you because by filing a bankruptcy you have already shown some financial instability. Paying your rent with cash or money order shows further financial instability and will not give you the positive rent history that the underwriter is looking for to give them the confidence in approving your loan. 5. Apply for a secured credit card – A secured credit card allows you to make a deposit into an account to secure a credit card and then borrow against it to establish a new positive payment history. As time progresses, the bank may increase your credit line to an amount greater than your deposit, and then eventually return your deposit to you. (They will also often pay you interest on your deposit.) 6. Prepare “non traditional” trade references – These are accounts that you pay on such as cell phones, car insurance, and store accounts which can be used to document a positive payment history, but would not be traditionally reported to a credit bureau. Ideally, if you can provide 3 of these accounts with a 12-month payment history, this will help us in convincing the bank that you are a good credit risk. The best way to document this is with a letter from the company stating that you have had a positive payment history with them for the past 12 months. Alternatively, you can provide 12 months of cancelled checks showing 12 months of timely payments. 7. Resist the urge (or encouragement) to buy a car. Some may tell you that this is the best way to rebuild your credit. The problem is that your interest rate will be so high, that your payments will make your debt ratios higher than normal, making it harder to qualify for a mortgage. Do you remember the figure of 45-50% of your monthly income that the bank will allow you to use towards your debts? This will quickly be absorbed by a car payment. Only buy a car if a) you NEED (not want) a car, and b) you have the income to cover the car payment, any of your current debts, and your proposed new car payment. We have seen SEVERAL people that have cars rather than homes because they went out and bought a car that they could not sell and their debt ratios were too high to qualify for a mortgage. It would be a shame to have a nice car (that depreciates daily), as opposed to a more humble car along with a mortgage on a home that gives you a tax break, and increases in value over time. I hope this is helpful and helps get you on your way to finding the home of your dreams.
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I am Cdn marrying a US. Moving to US My credit score is 800 his is so low – foreclosure on home, prior bankruptcy. Ths was over 3 years ago. When we marry do I “inherit” his bad credit
Hi, I have 40k credit card. I am thinking on bankruptcy. my house value is close to what my total morgate is, I have 1 car pay on full(family value 10k) another car make paymt. do I loose all that?
I have credit card bills from 9 years ago, can i include them for bankruptcy? i believe most if not all have gone to collections or law firmd?
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Categories: Mortgage Refinance Tags: After, Bankruptcy, credit, life, Restore
How does bankruptcy affect an adjustable rate mortgage???
My friend cannot keep up on bills her mortgage just rose -She was advised to go bankrupt -how can she keep her home?? And will the rates continue to rise as contracted.??? She is planning a chapter 13. She has no equity built up. Her condo’s value has dropped and is not able to refinance. She cannot sell without a loss.
Categories: Mortgage Refinance Tags: Adjustable, Affect, Bankruptcy, mortgage, Rate
The Bankruptcy Option ? When It Makes Sense To File Bankruptcy
The Bankruptcy Option – When It Makes Sense To File Bankruptcy
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Home Page > Finance > The Bankruptcy Option – When It Makes Sense To File Bankruptcy
The Bankruptcy Option – When It Makes Sense To File Bankruptcy
Posted: Jul 07, 2010 |Comments: 0
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Bankruptcy in its legal sense is the inability of an individual or organization to meet their financial obligations to their creditors. The individual or organization is not able to pay for cash transactions and are also unable to pay owed money. Bankruptcy may be declared to relieve a debtor of most or all of his debt and begin on a clean slate or to allow a debtor repay his creditors in a manner as would be most convenient for both parties depending on the ability of the debtor.
No matter if you are a struggling business or you are suffering from piles of personal debt, there is a solution for debt relief through bankruptcy. Bankruptcy is not a split second decision for debt relief but instead it is the last resort choice for financial freedom. You have to keep in mind that as there is a good and bad to every area in life the same philosophy goes for bankruptcy.
Positive Effects Of Bankruptcy
· Unsecured debts are discharged
· Foreclosure is stopped
· Repossession is stopped
· End Garnishments
· Utility shut off can cease
Negative Effects Of Bankruptcy
· Difficulty acquiring credit
· Hassle when buying a home
· Concerns with life insurance availability
· Job hire discrimination
With bankruptcy comes a stigma that might last an entire lifetime and one after-effect and fear that plagues most people who may have been declared bankrupt at some point. This stigma is the difficulty in securing credit facilities during their period of bankruptcy or in the future although technically, after two years, such an individual is able to start afresh and build a new credit record.
Other Debt Concerns
You may or may not be aware that some debts are unable to be discharged. Such debts can include child support, alimony, fines, taxes and student loans. Asset exemptions vary between each state and between which bankruptcy chapter is filed. An example of this is when filing chapter 7, the majority of the debtor’s assets are sold in order to pay of debt to creditors. Chapter 13 however allows the debtor to maintain possession of certain assets such as a vehicle or home.
Credit Scars
There is also hope of a successful financial future after bankruptcy. Credit can be rebuilt over time as a previous debtor makes bill payments on time and does not spend outside of ones means. Taking the time to set up a bill payment system and a personal budget is one key to maintaining the path towards financial health. Performing such steps will help creditors to see that you are in the progress of rebuilding your credit though your credit report will continue to show proof of your bankruptcy. Chapter 7 appears for ten years and chapter 13 appears on your credit report for seven years.
However, all hope is not lost. Being bankrupt is actually not the end of the road like most people would imagine. Even if you have been declared bankrupt (involuntary bankruptcy) or if you have declared yourself bankrupt (voluntary bankruptcy) before, you can still live a normal life after your bankruptcy period.
Many people do not know that you can actually get a bankruptcy loan during or after your bankruptcy. This is a lot easier if you are in chapter 13 bankruptcy. To improve your financial security, get some relief with repayment of your debts or even to quickly restore your credit rating, you can get bankruptcy loan and there are experts who can help you in situations like this. So you know you are not alone. You can get bankruptcy loan to refinance your bankruptcy and pay your trustees. Getting a bankruptcy loan can help a genuinely bankrupt individual recover quicker than you expect.
The End Result
In the end of filing a bankruptcy claim you will receive a new beginning to make wiser financial decisions for a more sound credit history. We are provided with a second chance through bankruptcy to learn from our mistakes and to become more responsible spenders.
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I am in the process of filing chapter 7 bankruptcy now. Does this mean that I will lose my refund when I file next year? (for 2010)
I filed bankruptcy in the past, can I file once more?
What are the repercussions of filing bankruptcy ?
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Categories: Mortgage Refinance Tags: Bankruptcy, file.., Makes, Option, Sense
Guidelines for credit after bankruptcy
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Home Page > Finance > Credit > Guidelines for credit after bankruptcy
Guidelines for credit after bankruptcy
Posted: Nov 21, 2010 |Comments: 0
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If you filed Chapter 7 and Chapter 13, has gone bankrupt, should be affected deeply concerned about rebuilding credit after bankruptcy. The following tips are very useful in this area. Some people are so frustrated by the negative experience of losing all hope of a healthy financial life. However, this is not the case. You must be a positive thinker. Failure is not the end of life – like a new beginning will be made. Ifpursuing the right approach, the credit of reconstruction is quite possible, even after bankruptcy. To achieve your goals, you do not need to speak with your bankruptcy attorney. All you have to do is your personal finances in the best possible structure. What follows is a brief description of them.
It ‘a difficult task, but as little as possible
Although it is a bit ‘difficult, but still very possible to get credit after bankruptcy. For example, some research mayYou can easily find a financial institution that is more than willing to refinance your home to be. No need to be disappointed if the bank accepts the loan request was rejected. You can try to contact some of the mortgage broker in this case, you can help with the type of financial situation you are interested
Pay attention to your FICO score
You can improve your chances of getting credit after the bankruptcy of an accurate picture of the courseCredit score. Therefore, you are strongly advised to obtain a free copy of each of the three credit bureaus, including TransUnion, Equifax and Experian. Verify the information contained in the report in detail, the information will be collected is relevant and accurate to the best knowledge. If you find errors, please fix soon. For the correction could be asked to provide certain financial documents such as BankStatements, invoices, receipts for payment of debts and other details to support their claims. However, we must never forget to obtain proof of payment of invoices paid. You need these documents to security is needed at any time, in May to hold a later date.
Even if a particular lender loan application rejected after bankruptcy, you still need a few basic questions like why and what they would do if they had to fightSituation. Your answers will help you make an informed decision. Do not forget, you must hear all, but must act according to his mind.
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I am Cdn marrying a US. Moving to US My credit score is 800 his is so low – foreclosure on home, prior bankruptcy. Ths was over 3 years ago. When we marry do I “inherit” his bad credit
Hi, I have 40k credit card. I am thinking on bankruptcy. my house value is close to what my total morgate is, I have 1 car pay on full(family value 10k) another car make paymt. do I loose all that?
I have credit card bills from 9 years ago, can i include them for bankruptcy? i believe most if not all have gone to collections or law firmd?
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Categories: Mortgage Refinance Tags: After, Bankruptcy, credit, Guidelines
Home Mortgage Loans After Bankruptcy – Can You Get Approved For A Home Loan?
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Home Page > Finance > Home Mortgage Loans After Bankruptcy – Can You Get Approved For A Home Loan?
Home Mortgage Loans After Bankruptcy – Can You Get Approved For A Home Loan?
Posted: Jan 31, 2006 |Comments: 0
| Views: 793 |
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After a bankruptcy, you can get approved for a home loan. Just be prepared to pay several points above conventional rates. However, if you have a large down payment or wait two years, your mortgage rates will improve to near conventional rates.
Dealing With A Past Bankruptcy On Your Credit Report
A bankruptcy will stay on your credit report for seven to ten years. However, it stops affecting your credit significantly after two years. So if you have established other good credit habits, you can qualify for market rates in no time.
But before you shrug off your bankruptcy, check your credit report to be sure that all accounts that were part of your bankruptcy are discharged. It?s not uncommon for paperwork to not get processed, leaving a negative mark on your report.
Other Helpful Factors
A down payment of 20% is expected for conventional rates with a traditional loan. Anything less and you will have to either pay a point or more at closing or additional loan interest. The same is true with sub prime loans. However, larger down payments decrease your rates.
Significant cash reserves and a large income can also offset your credit risk. The amount you want to borrow is also a factor. The lower your debt to income ratio, the better score you will get.
It?s also important to remember that not all lenders will treat your application the same. So it?s important to shop around for the right mortgage with the right terms.
Shopping Mortgage Lenders
If it has been less than two years after your bankruptcy or you know you have poor credit, start shopping with a sub prime lender. They deal primarily with people who have adverse credit. They can also offer you a lot more options than a traditional lender.
For instance, sub prime lenders have easier terms to qualify for a zero down mortgage. You can also opt for a future refinance with your mortgage when your credit score improves.
Remember that you have many financing options for a mortgage, even with a bankruptcy in your past.
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Bankruptcy Or Foreclosure: Which One Is The Best Way Out If You Cannot Afford Your Mortgage?
Bankruptcy Or Foreclosure: Which One Is The Best Way Out If You Cannot Afford Your Mortgage?
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Home Page > Finance > Bankruptcy Or Foreclosure: Which One Is The Best Way Out If You Cannot Afford Your Mortgage?
Bankruptcy Or Foreclosure: Which One Is The Best Way Out If You Cannot Afford Your Mortgage?
Posted: May 18, 2008 |Comments: 0
| Views: 1,022 |
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There are no easy decisions when facing foreclosure. If you are trying to decide between bankruptcy and foreclosure there are several considerations that you should keep in mind. Both bankruptcy and foreclosure will significantly lower your credit score by 200 to 300 points. A foreclosure will stay on your credit report for 7 years, Chapter 7 bankruptcy will remain for 10 years, and Chapter 13 for 7 years if you follow the agreed upon repayment plan, 10 years if you do not. You cannot file a Chapter 7 bankruptcy for your home loan. Chapter 7 is reserved strictly for unsecured debt such as credit cards, personal loans, and store cards. You may use a Chapter 7 bankruptcy to free up money so that you may repay back payments on your home or establish a repayment plan with your mortgage company. If you allow your home to be foreclosed on, the lender may still come after you for a “deficiency balance”. This balance is what is owed to lender after your home is auctioned at the courthouse. But, following the auction, a Chapter 7 bankruptcy can be filed to clear you of this obligation. However, you will have both a foreclosure and bankruptcy on your credit history, which will make life very ugly for the first four years after filing.
Chapter 13 bankruptcy will stop foreclosure dead in its tracks. Under Chapter 13, you reorganized your debt and consent to a reasonable repayment plan mandated by the courts. You cannot file Chapter 13 unless your income is great enough to pay all priority and secured debts, and 25% of your unsecured debt over a 5 year period. Additionally, your mortgage may rise because you will have to continue to pay the lender in addition to any amount that you missed during the proceedings or leading up to the proceedings. If you fall behind on your mortgage payments after securing a Chapter 13, then the mortgage company will ask the court to lift the stay and proceed with a foreclosure and you may find your home on the auction block in a matter of weeks. A homeowner can file an individual bankruptcy in only their name and it will not affect their spouse’s credit so long as their spouse did not sign the mortgage.
Should you decide to proceed with a foreclosure, keep in mind that it will leave you with a deficiency balance that you must repay unless you have a non-recourse loan. Furthermore, the forgiven debt is considered taxable income by the IRS. If you have a FHA or VA loan, a foreclosure will prevent you from obtaining another government backed loan, even if it is just a refinance.
Before you make any decision you should seek the advice of an experience bankruptcy attorney and consult with a fee-based financial advisor. There are other options to foreclosure and bankruptcy such as a deed-in-lieu of foreclosure, short sale, lender workout, fractional sale of your home, entering into a subject-to with an investor, and renting.
To learn more about bankruptcy and foreclosure, watch my free video, “13 Ways To Avoid Foreclosure” at: www.foreclosure-help-book.com. This website has all the resources you’ll need to stop foreclosure on your own, without paying an agency thousands of dollars or getting scammed by con artists. The only way you can save your home is if you take action now, so don’t become another statistic by sticking you head in the sand. Get on the path to save your home.
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Dean Williams -
About the Author:
Dean Williams is the author of “The Foreclosure Solutions Manual” a step-by-step guide that outlines over 20 ways you can stop or avoid foreclosure and save your home. To find out more information please visit: http://www.foreclosure-help-book.com
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I am Cdn marrying a US. Moving to US My credit score is 800 his is so low – foreclosure on home, prior bankruptcy. Ths was over 3 years ago. When we marry do I “inherit” his bad credit
I’m in the process of a foreclosure, and I have a 1st & 2nd loan with the same bank. I know the 1st loan qualifies for the mortgage forgiveness act? What about the 2nd loan? I live in California
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Categories: Mortgage Refinance Tags: afford, Bankruptcy, best, cannot, Foreclosure, mortgage