I filed bankruptcy 3 1/2 years ago is there any kind of loans available to me?

Possibly, it will depend on many other factors such as discharge date, your credit score and established credit since, income, assets, etc. You should contact a loan officer in your state and apply.

The biggest question is did you have chapter 7 or chapter 13? Also was there property involved with the bankruptcy? If there is then you may have to deal with the seasoning of when the house was actually foreclosed on. The best way to find out if you are eligible for financing is to have a loan officer check your credit and run your financials to see if you would qualify for a loan. I would more than happy to help you if you need any further assistance.

There are loans available to people who have a BK more than 3 years past. You would need to have re-established credit and verifiable income sufficient to cover the mortgage and all your debts. Contact a lender in your area to get a pre-approval. You will need stable employment for 2 years, at least a 620 fico for conventional loans and a 640 for FHA loans. Good Luck!

hi there:I just received your email..The information above is correct in my experience. FHA is possible depending on the whole picture. I have a possible to consider your case.. How much of a downpayment could you obtain if I may ask?

As long as your bankruptcy has been discharged for 2 years, there are government programs out there to help you buy a home. If you had a home go back into the bankruptcy, this will be considered a foreclosure, and then you have to wait 3 years from the sold date of home. Remember the 2 years starts once the bankruptcy has been discharged. Thanks

If you have any re-established credit and your score is 620 or higher, we can most likely secure your mortgage loan. There are a few other factors involved but those would be the most important regarding your BK. Feel free to call me at 866-766-1918 to discuss.