For all conforming financing, there are minimum mandatory waiting periods. They range from 1 year to 7 years depending on the loan product and loan amount. That being said, there are hard money lenders out there that will finance you 1 day out of a BK.. however, the rates are very high, the fee's are high.. and you will need a minimum of 30% down payment.. Check with a local mortgage broker (not a bank or credit union).. and check with them.. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / LendUS, NMLS 1938/ AZMB0121893
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