Can I refinance after Bankruptcy?

Is it a Ch7 or Ch13? What month/year was it discharged or dismissed?

It is not a mistake. When you file bankruptcy, your home loan stops reporting to the credit bureau. Contact a local non-bank LICENSED Loan Officer. Let them review your situation and qualifications. Your credit score and how recent the bankruptcy was is going to make things difficult if not impossible for the short-term.

I was just in your area over the weekend, well I was in Richmond. I am from there and was visiting my Aunt in the hospital. Anyway, it sounds like you might be able to qualify. You need to find a mortgage broker that can go down to a 540 credit score. I can but not in KY. All the best! Michelle Dema 201-962-3555

Hi, not going to be easy but possible, you will need to find a mortgage broker that can go down to a 540 credit score, and do loans in KY. Good luck

Hey Berea.. you have a complicated situation, and information is missing to properly answer your question.. If you have an FHA loan, there are lenders out there that will go as low as 500 credit scores. The guidelines are very stringent, however there is a loan product for you... if you have a conventional loan, you will have to wait till your scores improve... Best advice I can give you is to contact a local mortgage broker, not a bank and apply with them... they can look at your complete profile and all your paperwork and guide you to the right lender for your particular scenario.. WilliamAcres.com

With a fairly new credit card and a new auto loan, your score should be building for you. You must first get past the two year mark for you to be FHA eligible. Have you looked at your credit report lately? Many times the reasons scores stay low after a BK is too many items are still being reported incorrectly. Contact a local mortgage Banker/broker. They will help you determine what you need to do quickly to get your scores where they need to be to qualify. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com

looks like your on the road to real life, you are building credit already, your situation is simuliar to my own, mine is so much more complicated tho, i cant find help at all, or any answers tho, i am now called a widow, paying on a loan in my dead husbands name, go figure, he is dead and i build his credit, while mine is in the toilet. deed is in my name, loan in his, cant find a mortgage company to help, and the current company keeps blowing me off, i cant even find an attorney to help, everybody runs when i try to explain in detail the situation, i have a home worth atleast 160-180, 103 owed, apr at the roof 7.85% just finished my chapter 13, my score 640, but i had great credit before i filed the bankruptcy, of which was only filed because my husband died and time between situations and payments got messed up and nobody would help me, so much to complete my story, anyway if you do find help maybe they could help me also.