Can a person who has just done bankrupcy do a H4H loan adjustment thru fha?I see no credit requirements on the new Hope for Housing loan(effective oct 2008), other than you must be unable to afford your current mortgage, and it must be more than 31% of your income. Are there any credit requirements? We excluded the house from bankruptcy.January 31 2009 - Orangeville00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.