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Purchase or Refinance Even After a Recent Bankruptcy

Yes, it’s possible to purchase a new home or refinance a home mortgage even after a recent bankruptcy. In fact, you can still get 100 percent financing on a purchase or mortgage refinance just one day out of bankruptcy court. So if you’ve recently filed for bankruptcy, don’t worry!

There are such things as bad credit mortgages and they’re approved for people who have bad credit. Known also as a subprime mortgage, the biggest problem with this type of mortgage is that it typically carries a high rate of interest. If you’re interested in pursuing this mortgage option, go online and find a Florida mortgage company that offers this type of product. Once you find a few, simply request from each an online mortgage quote and go from there.

If you’re not satisfied with the bad credit mortgage terms you’re offered, you have other options. Probably your best option is to start doing something about your bad credit. Believe it or not, after just a year or two of handling credit responsibly, you could qualify for mortgage rates that are reserved for those with the exceptional credit!

Start planning for that mortgage or refinance

After filing for bankruptcy, you might be tempted to adopt a “cash only” policy meaning that the only purchases you’ll make are those you can pay for with cash. That’s admirable, but it’ll do nothing to help rebuild your credit so you can get a more favorable mortgage or mortgage refinance rate.

What you need to do is apply for one or two credit cards, and then charge very small amounts each month for 12 – 24 months. You might have to apply for a secured credit card, but that’s okay. When the bills come in, make sure you pay them off in full each month and definitely make sure the payments are received before the due date. Such action shows a history of responsibly managing credit.

Next, pull copies of your credit reports from the three major credit reporting bureaus. Carefully review each and if discrepancies are noted, immediately find out the process for correcting all discrepancies. Doing so will improve your FICO score which is the score lenders use to help determine your creditworthiness and your mortgage rates.

While you’re working to improve your credit, you should also be working full-time. But this is not the time to job-hop! When you apply for a mortgage or a mortgage refinance, lenders will see that you’ve got a steady and reliable source of income. Combine your steady employment with proof that you can handle credit responsibly and a down payment and mortgage lenders will be clamoring for your business!

When you’re reviewing your mortgage and mortgage refinance options, be realistic about how much house you can afford. Remember that closing is one thing, but making the monthly payments and being able to cover the costs associated with home ownership are what matters most. You certainly don’t want to end up back in bankruptcy court!

About the Author: Melvin is the President of Affordable Home Equity Loans, Inc. in Tampa, FL.

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