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waiting-periods

CAIVRS Waiting Period After FHA Foreclosure

CAIVRS waiting period after an FHA foreclosure

The Question The CAIVRS waiting period is important if you had a FHA mortgage on a home that was lost to foreclosure, deed in lieu of foreclosure or short sale. That is the subject of a great question I received this week from Jennifer in Tennessee. Could you please tell me when the 3-year CAIVRS…

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Jumbo Mortgage Options After Financial Hardship

Jumbo Mortgage After Hardship

Longer Waiting Periods A jumbo mortgage is typically much less flexible than traditional financing like Conventional or FHA if you’ve had a financial hardship in the past 5-7 years. Homebuyers trying to buy in higher cost areas after a bankruptcy, foreclosure, or short sale, are often told that there are no options for at least…

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4 Refinance Options after Bankruptcy

4 Refinance Options after Bankruptcy

Refi Fast Lane Refinance options are available to many homeowners that were forced into bankruptcy during the recession that started in 2008. You shouldn’t have to be stuck with a high interest rate if you had to file bankruptcy recently. These refinance options may also be available if have lost a second or vacation home to foreclosure, short sale or…

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Bankruptcy and Foreclosure Success Story

Bankruptcy Foreclosure Success Story

Find the Right Lender We created this website to protect consumers from misinformation and inexperience. Our goal is to help guide you through the home buying process, and give you access to experienced mortgage professionals to help answer your questions and ensure that there are no surprises along the way. Over the past 9 years, this…

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Ask Me Anything About Buying After Bankruptcy

Ask Me Anything About Buying After Bankruptcy

Who Do You Trust? We fancy ourselves a sort of public service with all the questions we answer every day around here. We get readers from all over the Country that are either doing research in an attempt to get started, or doing research in an attempt to figure out what went wrong with their current…

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How to Refinance After Bankruptcy

Refinance after Bankruptcy

Getting the Facts There is a lot of confusion and misinformation around refinancing a mortgage that was included in a bankruptcy. If you are finding my website for the first time, I have been helping people buy after bankruptcy, foreclosure, short sale or deed in lieu of foreclosure since early 20011.  (Read More) Most of my…

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When Does My Waiting Period Start?

When does my waiting period start?

When Can I Buy Again? Trying to figure out the waiting period after Bankruptcy? Foreclosure? Short Sale? Deed in Lieu of Foreclosure? I have been helping homebuyers after financial hardship since February 2011, and as a result, I have become one of the foremost experts on the underwriting guidelines and waiting periods surrounding this topic. I’ve…

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FHA No Wait after BK, Foreclosure, Short Sale?

No waiting for FHA after BK Foreclosure short sale dil

Streamlined Qualifying If you’ve had a bankruptcy, or a foreclosure, short sale or deed in lieu of foreclosure on an investment property, you could still be eligible to refinance your primary residence if you currently have a FHA loan. Many people complain about FHA mortgages and having to pay mortgage insurance. While this isn’t necessarily…

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Use a Short Term Portfolio Loan to Buy Now, Save Later

Short Term Investment using Portfolio Loans to Buy a Home

Short Term Solutions It’s been a few years now since your bankruptcy, foreclosure, short sale or deed in lieu, and you desperately need the tax break, piece of mind, and the investment vehicle of owning another home. You’ve re-established your credit, your income is stable, and you’ve saved up a significant down payment, BUT…….you’re just outside the…

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Zombie “Second Mortgages” Haunt Unsuspecting Homeowners

Zombie Second Mortgage Huant Homeowners

Foreclosure Nightmares A second mortgage included in bankruptcy can foreclose years after it has been discharged, and can cost you a lot of money! As an expert in helping homeowners and homebuyers qualify for home loans after a bankruptcy, foreclosure, short sale or deed in lieu, I talk to folks all over the Country every…

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