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how to get a home loan if i have bankruptcy on my credit athens alabama

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October 05 2010 - Athens
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Answers (3)

I  can send you a list of finance companies in the athens area. This may not be an answer to your questions, but you may be able to get information from them about options you have locally. Send me an email address and I will send you the link

larrycoons@larrycoons.com
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November 18 2010
Different programs have different rules.  There are different rules for a chapter 13 vs a chapter 7.  Some general guidelines for a chapter 7 for an FHA loan:
Must be discharged a minimum of 2 years if there were extenuating circumstances that caused the bankruptcy (like loss of job). 

There has been no detrimental credit since the discharge

Your credit scores should be 640 or higher (as of this posting)

With some programs, they require that you have re-established credit. 

The best thing to do, is call a lender, be honest about all the facts and you will get good answers to your questions.

Hope this helps
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October 27 2010
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I do not believe that anyone is lending if you have a bankruptcy. You will be after to probably obtain one after the 7 years is up.  Good Luck!
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October 05 2010
 
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