Zillow Advice: Home Selling - I RECENTLY FILED BANKRUPTCY, WHEN WILL I BE ABLE TO APPLY FOR A HOME LOAN http://www.zillow.com/advice-thread/I-RECENTLY-FILED-BANKRUPTCY-WHEN-WILL-I-BE-ABLE-TO-APPLY-FOR-A-HOME-LOAN/420726/ Zillow Advice | Zillow Real Estate Please contact a local lender ... http://www.zillow.com/advice-thread/I-RECENTLY-FILED-BANKRUPTCY-WHEN-WILL-I-BE-ABLE-TO-APPLY-FOR-A-HOME-LOAN/420726/ Please contact a local lender or mortgage broker that can help you find out what you need to do to start the process to repair /rebuild your credit; most lenders/investors will require at least a 3year history of clean credit after a discharge.&nbsp; You will need to work hard to repair the credit and get all in order so that you can take advantage of the lowest rate possible ;&nbsp; Dont fall victim to very high rates and rush into a risky loan situation;&nbsp; <br/>good luck; Thu, 27 Oct 2011 17:30:00 GMT http://www.zillow.com/advice-thread/I-RECENTLY-FILED-BANKRUPTCY-WHEN-WILL-I-BE-ABLE-TO-APPLY-FOR-A-HOME-LOAN/420726/ 2011-10-27T17:30:00Z Your best advice will come ... http://www.zillow.com/advice-thread/I-RECENTLY-FILED-BANKRUPTCY-WHEN-WILL-I-BE-ABLE-TO-APPLY-FOR-A-HOME-LOAN/420726/ Your best advice will come from your&nbsp;attorney.&nbsp; Second- a mortgage officer or a local credit advice person.&nbsp;&nbsp;There are publicly funded agencies that will assist in repairing or building good credit. Wed, 26 Oct 2011 22:00:00 GMT http://www.zillow.com/advice-thread/I-RECENTLY-FILED-BANKRUPTCY-WHEN-WILL-I-BE-ABLE-TO-APPLY-FOR-A-HOME-LOAN/420726/ 2011-10-26T22:00:00Z There are many factors that ... http://www.zillow.com/advice-thread/I-RECENTLY-FILED-BANKRUPTCY-WHEN-WILL-I-BE-ABLE-TO-APPLY-FOR-A-HOME-LOAN/420726/ There are many factors that go into determining the answer to your question.&nbsp; When you talk to lenders, these are some of the things they'll ask: &nbsp; When was the date of discharge? what type of bankruptcy?&nbsp; What was included in the bankruptcy (e.g. a home?)?&nbsp; How are your credit scores?&nbsp;&nbsp; How much down payment do you have? <br/><br/>The answer tends to be several years. <br/><br/> Wed, 26 Oct 2011 21:46:00 GMT http://www.zillow.com/advice-thread/I-RECENTLY-FILED-BANKRUPTCY-WHEN-WILL-I-BE-ABLE-TO-APPLY-FOR-A-HOME-LOAN/420726/ 2011-10-26T21:46:00Z I am only a real estate agent, ... http://www.zillow.com/advice-thread/I-RECENTLY-FILED-BANKRUPTCY-WHEN-WILL-I-BE-ABLE-TO-APPLY-FOR-A-HOME-LOAN/420726/ I am only a real estate agent, your best option is to talk to a mortgage company, so they can go over everything personally.<br/>I have talked to a few mortgage brokers and they have said it is best to wait 4 years. And rebuild you credit during that time. You will get a better interest rate the longer you wait. Good luck! Wed, 26 Oct 2011 20:32:00 GMT http://www.zillow.com/advice-thread/I-RECENTLY-FILED-BANKRUPTCY-WHEN-WILL-I-BE-ABLE-TO-APPLY-FOR-A-HOME-LOAN/420726/ 2011-10-26T20:32:00Z