Zillow Advice: Mortgage Types - Many mortgage hurdles to overcome, need advice or a dorection to go in http://www.zillow.com/advice-thread/Many-mortgage-hurdles-to-overcome-need-advice-or-a-dorection-to-go-in/468013/ Zillow Advice | Zillow Real Estate &nbsp;HI MARK,SOUNDS LIKE ... http://www.zillow.com/advice-thread/Many-mortgage-hurdles-to-overcome-need-advice-or-a-dorection-to-go-in/468013/ &nbsp;<p>HI MARK,<br/>SOUNDS LIKE YOU AS CONFUSED ABOUT THE MORTGAGE MARKET AS MOST OF US ARE.&nbsp; THAT BANKRUPCY IS GOING TO HOLD YOU UP FOR TWO TO THREE YEARS SO I WOULD ADVISE YYOU&nbsp;TO CONTACT A PRIVATE MONEY LENDER.&nbsp; I HAVE WORKED WITH[deleted by Zillow moderator, Please see our Good Neighbor Policy for posting guidelines] FOR SOME TIME AND&nbsp;THEY ARE VERY GOOD WITH CIRCUMSTANCES LIKE YOURS.(NO REASON TO WORRY ABOUT "LOAN SHARKS HERE !)&nbsp; GOOD LUCK.</p> Sun, 11 Nov 2012 21:33:00 GMT http://www.zillow.com/advice-thread/Many-mortgage-hurdles-to-overcome-need-advice-or-a-dorection-to-go-in/468013/ 2012-11-11T21:33:00Z Sounds to me like the biggest ... http://www.zillow.com/advice-thread/Many-mortgage-hurdles-to-overcome-need-advice-or-a-dorection-to-go-in/468013/ Sounds to me like the biggest issue may be the size of the loan. Many mortgage lenders are not much interested in a 30K loan. The BK may also be a problem but you may be able to step around it. I would try a good Mortgage Banker... they may have a correspondent that will take a loan of that size. But be ready to pay as the loan costs will be higher than for a (say) 150K loan. The BK MAY need&nbsp;another&nbsp;year to "season" and if so the only alternative may be a hard money loan.... on the other hand if you have a strong long term relationship with your current bank you may be able to get a loan from them for say five or six years...payment and rate similar to an auto loan... but you did not mention credit score and that could be your key. Sat, 10 Nov 2012 14:49:00 GMT http://www.zillow.com/advice-thread/Many-mortgage-hurdles-to-overcome-need-advice-or-a-dorection-to-go-in/468013/ 2012-11-10T14:49:00Z You may want to consider ... http://www.zillow.com/advice-thread/Many-mortgage-hurdles-to-overcome-need-advice-or-a-dorection-to-go-in/468013/ You may want to consider a "hard money-private money" lender until your bankruptcy seasons. This is typically a balloon type note that carries a higher interest rate than a mortgage. Some rates are reasonable, and some are like LOAN SHARKS so Beware! Best of Luck. Sat, 10 Nov 2012 12:56:00 GMT http://www.zillow.com/advice-thread/Many-mortgage-hurdles-to-overcome-need-advice-or-a-dorection-to-go-in/468013/ 2012-11-10T12:56:00Z