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• Forum: Mortgage After Bankruptcy And Foreclosure
   Elena Dollna

  Mortgage After Bankruptcy

  Elena Dollna Posted on June 8, 2026 at 11:45 pm   |  State: Illinois  | Total Activities:  2

  Hello,

  I am seeking a refinance for my owner-occupied primary residence in Chicago. I recently received a Chapter 7 discharge in May 2026 and am looking to refinance out of a hard money loan.

  My approximate loan amount needed is $260,000-$265,000. My mortgage score is approximately 643, and I have stable W-2 employment with the City of Chicago.

  Can you please let me know:

  1. Do you have any Non-QM refinance programs available for a recent Chapter 7 discharge?

  2. What is the minimum waiting period after discharge?

  3. What is the maximum LTV available for an owner-occupied refinance?

  4. What minimum credit score is required?

  5. Would a co-borrower with stronger credit improve eligibility or LTV?

  6. Can closing costs be financed into the loan?

  Thank you for your time. I look forward to hearing from you.

  Was referred to you.

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  View Last Reply: Danny Vesokie | Affiliated Financial Partners replied 4 days, 12 hours ago  |  Participants:   4 Members |   3 Replies
• Forum: FHA Loans
   Aaron

  Qualify For Loans

  Aaron Posted on January 8, 2025 at 2:06 pm  | Total Activities:  2

  What would I need to qualify for FHA loan during bankruptcy (over 12 on time payments), no late payments on credit, etc

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  View Last Reply: Gustan Cho replied 1 year, 5 months ago  |  Participants:   4 Members |   3 Replies
• Forum: Bankruptcy
   Andy

  Chapter 7 Dismissed and Discharged

  Andy Posted on October 6, 2023 at 3:29 pm  | Total Activities:  8

  What’s the difference between chapter 7 Discharge and Dismissed when it comes to the waiting period to qualify for a mortgage?

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  View Last Reply: Brandon replied 1 year, 6 months ago  |  Participants:   4 Members |   8 Replies
• Forum: Mortgage After Bankruptcy And Foreclosure
   Allan Kim

  Mortgage After Bankruptcy

  Allan Kim Posted on November 19, 2024 at 6:43 pm   |  State: Illinois  | Total Activities:  11

  WHY CONSUMERS FILE BANKRUPTCY?

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  View Last Reply: Bentley replied 1 year, 6 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Foreclosure
   Gustan Cho

  Non-QM Loans After Bankruptcy With No Waiting Period

  Gustan Cho Posted on February 13, 2023 at 3:10 am   |  State: WI  | Total Activities:  687

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  This topic on non-QM loans after bankruptcy with no waiting period requirements is mainly addressed to Michelle McCue. Michelle, it has been a while since I kept up to date on non-QM guidelines on mortgages after bankruptcy and foreclosure. Do you know the credit score, down payment, credit requirements, and waiting period on non-QM loans after bankruptcy or bankruptcy?

  • This discussion was modified 3 years, 4 months ago by  Gustan Cho. Reason: Forgot to check NOTIFY ME BOX
  • This discussion was modified 3 years, 4 months ago by  Gustan Cho.
  • This discussion was modified 3 years, 4 months ago by  Gustan Cho.

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  View Last Reply: Tina replied 1 year, 7 months ago  |  Participants:   3 Members |   12 Replies