bankruptcy down payment

You Have a few options. One is to get an FHA mortgage(BK waiting period is 2 years), get a conventional loan(many lender waiting periods set for 3 years) or go to a portfolio or hard money lender with 35%-45% down payment. Email me at info@omegaloans.net for more info.

NO... the amount of your down payment will not affect your waiting period.

well, not really, we have a few lenders who will do a 3 year wait, and FHA will allow after a 2 year wait.....down payment really will not matter...feel free to email direct if wish to discuss further, but you probably can do something if it has been 3 years....skarp@emeryfs.com

noBK Chapter 7 or 11 = 4 years from discharge date (conventional) 2 year from discharge date (VA) 2 years from discharge date (FHA)BK Chapeter 13 = 2 years from discharge date 4 years from dismissal date (Conventional) 1 day from discharge date (VA) 1 Year from dishcarge date (FHA)Happy Hunting

Down payment and waiting period have no bearing. The waiting period is product/investor specific. No expections. Once you have satisfied the waiting period the large down payment will be an underwriting compensating factor. John Schlobohm Mortgage Planning Specialist 914-433-4646 jschlobohm@luxuurymortgage.com