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15 Sep 2015

When Am I Eligible for a Mortgage after I file a Chapter 7? Featured

Experiencing a damaging credit event like a foreclosure, short sale or bankruptcy doesn’t mean you will never be eligible for a mortgage again.  As you prepare to buy your next home, take a look at this useful chart to see typical waiting periods before you can be approved for a mortgage.  If you experienced extenuating circumstances*, your wait time may be shorter than you think. 






*Extenuating circumstances are temporary events that are beyond a borrower’s control, such as the loss of a job, medical bills or death of a wage earner. Divorce and the the inability to sell the house after a job relocation do not qualify.  These events must be documented, and they are subject to review by the underwriting team.
Stephen H. Swift

Managing Attorney
Law Office of Stephen H. Swift, P.C.

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Baca County - Springfield, Campo, Pritchett, Two Buttes, Walsh

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