Getting a Home Loan With Us After Bankruptcy

• BK seasoning requirements:

  • Chapter 7 - 12 months from discharge date

  • Chapter13: None if filed >24 months ago and paid as agreed

• Minimum credit score as low as 600

• Minimum down payment as low as 10%

• Up to 50% debt to income ratio

• Gift funds allowed

• Investment properties allowed

• Cashout refinance allowed

• Maximum loan amount up to $3,000,000

• Bank statements for income may be allowed (if self employed)

• Credit score determines the terms the borrower is allowed