I’ve have been recently discharged from chapter 13 and have a co-signer with good credit. My credit rating is 668. The loan is now with underwriting. What is the likely hood of getting the loan?
FHA allows BK 13 loan approvals after 12 months of payments DURING the BK, with the Judge’s approval, or once it is discharged, assuming 580+ credit scores and meeting all other normal requirements.
FHA allows a co-borrower who will occupy the home with you, or a non-occupant co-borrower if you both can qualify with your debt and new house payment plus their debt and current housing expense.
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Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.” If you have already started in our Qualification Coaching Program, call us, so we can check your progress!
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J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
firstname.lastname@example.org | www.goldfinancial.com | Pre-Qualify Now
885 E Collins Blvd Ste 110
Richardson, TX 75081
My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana
Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender
J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.