Mortgage During and After Chapter 13 Bankruptcy

Am I potentially able to obtain a mortgage at this time while I am nearing the end of my Chapter 13 Bankruptcy repayment and will get discharged in six months? Or do I need to wait 2 years from the date of discharge of my Chapter 13?

Live in Missouri and if my bankruptcy is dismissed how long do I have to wait to get a cash out refinance?

I have a client who was approved for FHA with a different lender. She is in a Chapter 13 bankruptcy and has been paid on for 2.5 years. Approval must be obtained from the BK courts for the purchase. She has only W2s for 2019 and 2020 but doesn’t have tax returns. This lender is stating they need tax returns. Can you get this done without tax returns, w2s only? It’s not a self-employed situation.

Qualifying For FHA Loan After Chapter 13 Bankruptcy Discharge

How Can I Qualify For Home Loan With Late Payments After Chapter 13 Bankruptcy?

I have been in Chapter 13 for over two years with no missed payments. I would like to seek a voluntary discharge and pay off my remaining debt. Would a voluntary discharge prevent me from securing an FHA home loan?

I currently own a home and would like to move in the next 18 months. I am in Chapter 13 and am currently paying into a plan. I have never been late nor have I ever been late on my mortgage. How does this work with Chapter 13? Could I sell and buy another home? What roadblocks, if any, am I looking at?

I have been paying my Chapter 13 repayment plan for eight months now, along with my mortgage, and no late payments. March will be 1 year. My interest rate is 5.625%. My home is worth $333.100, and I owe $226.000. Is it worth trying to refinance to a FHA mortgage in March 2025 or should I stay where I am? My mortgage is owned by investors, and they are always wanting to take me to court to increase my payments. And this is after we went to court and agreed on a repayment plan.

I have been in Chapter 13 for 12 months with no late payments. I would like to obtain an FHA to buy a home. However, I am concerned that my Chapter 13 monthly payment and student loans (deferred for 4 more years) will keep me from qualifying because my DTI will be too high. I only make about 70,000 a year. My Chapter 13 payment is 471 every two weeks. My student loans are around 80,000 (1% is 800). Is it possible for me to be approved?

I am currently in chapter 13 in WA state, I have 12 months on time payments and my low credit score is 667. Can i refinance my home to pay the balance of my chapter 13?

My brother in law was in a Chapter 13 Bankruptcy and now what to refinance and pull out cash what banks in the Chicagoland area will allow? I work for a real estate developer and property management company and want to help my my brother in law and his wife with getting approved for a mortgage loan.

If I have been cancelled out of a chapter 13 bankruptcy, when can I qualify for an FHA loan? How long after Chapter 13 dismissed can I get an FHA mortgage? What happens if I cancel my Chapter 13? How long after bankruptcy can I qualify for an FHA loan? How soon can you get a mortgage after Chapter 13 discharge?

Is It Better To Apply For FHA Loan During Or After Chapter 13 Bankruptcy Discharge? How soon can you get a mortgage after Chapter 13 discharge? How long after Chapter 13 can I get a home equity loan? Can I get a loan after Chapter 13 discharge? What is the waiting period for a FHA loan after Chapter 11? What are the rules for an FHA loan after Chapter 13 discharge? How long after a Chapter 13 discharge can I get a mortgage? How long after Chapter 13 can I get a home equity loan? What is an FHA waiting period completion?

I am in a repayment plan on a Chapter 13 Bankruptcy for 2.5 years, 655 credit, w2s only no tax returns. Can I qualify for a mortgage and buy a house while I am still in a five year Chapter 13 Bankruptcy repayment plan.

Can we get a fha cash out refinance loan while in chapter 13 100% plan? We have 49 remaining monthly payments.

Can I get a mortgage for TWO single-family homes ONE year after chapter 13 discharge with 20% down and 733 credit score?

Can I get approved for a VA loan with two suspended payments approved by the Trustee, almost one year into Chap 13?

What happens if someone is advised to do a voluntary chapter 13 dismissal instead of obtaining courts approval for mortgage while in the underwriting process? Will that automatically disqualify them from getting the loan?

Please help me

Am I potentially able to obtain a mortgage at this time? Or do I need to wait 2 years from the date of discharge of my Chapter 13?

What type of loans can I qualify during and after Chapter 13 Bankruptcy? How long after a Chapter 13 bankruptcy can I get an FHA loan? How long after Chapter 13 can you get a VA loan? Bankruptcy Waiting Periods For VA Loans Vs. Other Mortgages. Bankruptcy Waiting Periods For FHA Loans Vs. Other Mortgages. How long after Chapter 13 can I get a home equity loan? Lenders generally require a waiting period of between one and five years from discharge or dismissal — and up to seven following foreclosure — before they’ll approve you for a home equity loan. This is because they want to be sure you’ve righted your finances and can manage new debt. What is manual underwriting and how does manual underwriting work?

• This discussion was modified 6 months, 3 weeks ago by  Ollie.