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What can I do to get more (or better) quotes for my loan request ZR-DSRQPQK

Retiree need inexpensive 3br 2ba house, can put $30,000 down, 15yr to pay. Had bankcruptcy yr 2011.  No more debts except student loan $31 a month.

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December 02 2011 - Fernley
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Talk to several loan officers and after comparing their qoutes and loan programs they have to offer you will be at a better state and be able to decide which loan officer will give you the best loan. Wish all goes well.
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December 03 2011
I have yet to run across an individual who has file a chapter 11 bankruptcy.

VA does not have a set time period from the date a bankruptcy was discharged.

FHA will allow after 12 months payments on a chapter 13 bankruptcy and with permission of the bankruptcy trustee.

FHA will allow after 1 years with strong documented mitigating factors, otherwise 2 years.
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December 04 2011
Here is a basic outline, everyone is different. Zillow has lenders here on these boards, I suggest you have a one on one conversation with them about your particulars.

VA guaranteed loan you have to wait 2 years
FHA insured two years with a chapter 7, 1 year with a chapter 11
You can go to a hard money lender, higher interest rates (and terms )
Conventional Fannie Mae 4 years
Start looking at your credit at least six months before you are ready to buy,sometimes things are left on your credit report that could delay your purchase.

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December 04 2011
 
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