Buy Again After BK, Short Sale, Foreclosure

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Get a Home Loan one day after a Bankruptcy, Short Sale, Deed in Lieu, or Foreclosure.

(Primary Residence or Vacation Home. No rental properties on this program)

15% down. 660 score required. No Mortgage Insurance.

20% down. 620 score required. No Mortgage Insurance.

30% down. 580 score. No Mortgage Insurance.

Down payment can be a gift from a relative.

1-Year after Bankruptcy/Short Sale/Foreclosure loans are now available with 3.5% down.

  • a. Your credit issues were the result of a Loss of Employment or a loss of Household Income beyond your control. You must show that the household income was reduced by 20% or more for 6-months or longer.
  • b. The borrower has demonstrated full recovery from the event
  • c. The borrower has completed a one-hour housing counseling session. Ask for details.
  • d. 640 minimum credit score, 3.5% down payment.
  • e. A 12-month clean rental history

Talk or Text – 702-326-7469

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