Our lenders
understand that sometimes life can take some unavoidable twists
and turns. Maybe an unforeseen medical emergency, a sudden
layoff at work, a divorce, or perhaps a bad investment or failed
business. Whatever the reason, just because you've been forced
to file a bankruptcy doesn't mean you won't qualify for a
mortgage. Even though you may not get the lowest rate you see
in the Sunday paper just yet, it'll probably be lower than you
think, and if you set yourself up right, our lenders will be
able to offer you the best loans available in the market as soon
as two years after the discharge of a bankruptcy.
Our bankruptcy lenders can counsel their clients on how to take
advantage of this loan after a bankruptcy. Our lenders want to
be your mortgage lender for life, they know if they show you how
to take advantage of this and other little known secrets of the
mortgage business you'll appreciate their efforts and continue
to allow them the opportunity to earn your business and save you
money.
Our lenders have unique loan programs available that allow us
to fund mortgages for individuals who are currently in a Chapter
13 bankruptcy up to 75% of the value of their home or "75%LTV".
This special mortgage program pays off the existing mortgages as
well as the Chapter 13 bankruptcy. By consolidating all debts
into one new mortgage we typically are saving our borrowers
several hundred to $1,000 per month. While the savings are
nice, equally important is the fact that our clients are getting
out from under the bankruptcy. By paying off the bankruptcy
they are enabling themselves to reestablish credit and move on
with their lives. Normally after 2-3 years they can qualify for
the best loan terms available.
Because of the confidential nature of a bankruptcy loan,
choosing the right mortgage lender is crucial to closing this
type of loan. We have specially qualified lenders that deal
with trustees and bankruptcy attorneys on a daily basis and can
assure a smooth closing of these unique loans.
Our lenders also have loan programs for people who have had a
bankruptcy in their past and would like to reestablish their
credit and move on with their lives. Perhaps you'd like to get
some extra cash to get a fresh start, or maybe you'd like to
take advantage of lower interest rates now that you've been able
to reestablish some credit. We'll tell you f your an A credit
borrower yet. If you're not, we'll let you know what it will
take to get you there.
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