i need a home equity a second chance loan after chap. 7 bankrupty how long do i have to wait

Most lenders will not consider a new loan until two years has passed since the Chapter 7 bankruptcy was discharged. You might look to a local credit union to see what their conditions are. I hate to refer you to a finance company. They will probably do it but it will cost you an arm and a leg (very high fees and rates).

Waiting period for Chapter 7 is 2 years from the discharge date. You might want to consider your financial position before applying... Having to file for Bankruptcy is a serious decision, trying to borrow money immediately after is even more problematic.. there are credit counselors that work for non profit companies where they can help you stabilize your financial situation, and show you how to take control. WilliamAcres.com

In the State of Texas home equity lending is very regulated. Texas is the only state where you are not legally allowed to have an equity loan in excess of 80% of your homes appraised value. FHA and VA home loans are not allowed for home equity and conventional loans will require a 4 year waiting period after your bankruptcy discharge. I have never heard of finance companies doing home equity lending in Texas but it might be possible. I wish I had better news for you.

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