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14 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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    "Everyone I talked with or met with was knowledgeable, professional and helpful. I rate this law firm a 10 on every count. This was my second bankruptcy, and I used your office the first time. Everything was very professional and everyone was very helpful and pleasant to interact with.

    Matthew Hansen was nice, knowledgeable and professional. Alicia was very pleasant, friendly. Cris was very nice and helpful."

    -Karin, Colorado Springs, CO



     

    • Colorado Springs
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    "From the first time that I entered the office, I was treated with the utmost respect. It was like I had been knowing all of the employees for years!! Every person that I came in contact with was extremely courteous!!!

    I rate my overall experience a 12!! And I wouldn't change a thing on the website.

    Cris is absolutely wonderul!! While Alicia was extremely courteous and humorous!!!

    Stephen (Swift) was extremely professional and courteous. One of the nicest gentlemen that I have Had the pleasure of working with. I can't thank him enough."

        

    – Pete, Colorado Springs, CO  

    • Alamosa
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    "I was referred by a client. I rate Swift Law a 10 on the quality of legal expertise I received, on my phone calls being returned promptly, on the staff being friendly and helpful, and my overall experience. Cris was very helpful and informative, and Alicia was very thorough.

    Matthew Hansen was wonderful." - JoAnn, Colorado Springs, CO



     

    • Colorado Springs
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    "Everyone was professional, friendly and caring of the situation I was in.

    Cris is the best. Very friendly, caring and informative to my questions. Made me feel at ease.

    Alicia was friendly. Only talked with her one time on phone when Ward was not available.

    Ward was very friendly and made me feel very comfortable. Very good at his job.

    Mr. Swift was very efficient, professional and friendly. Right off he makes you feel like he is on your side in a difficult situation. Gets the job done.

    Thank you to ALL - for your professionalism, caring and integrity during the process of my bankruptcy. "

     - Anonymous, Colorado Springs, CO




     

    • Colorado Springs
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    "I rate this plance a 10. Very friendly & professional.

    Just want to thank all the staff for making this process so easy & fast for me. You guys are the "BEST".

    Both Cris and Alicia were very friendly & helpful. And Stephen was very professional & knowledgeable."

    -Jocelyn, Colorado Springs, CO



     

    • Colorado Springs
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    "My attorney (Matthew Hansen) is a very kind person.  I felt very confident in his skills. He is very knowledgeable and efficient.  He didn't make me feel embarrassed to be filing for bankruptcy.  Thank you Matthew!  Laura was very friendly, and everyone I interacted with was very nice and helpful as well.  " 
      –  Sherry M., Colorado Springs, CO



     

    • Colorado Springs
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