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FINANCING YOUR NEW HOME

If you're unsure about your ability to qualify for a home loan, start your research here. You may be surprised at how quickly the right financial plan can get you into your dream home. Learn more about:

PAST DUE MORTGAGE PAYMENTS

Whether you filed Chapter 13 or Chapter 7, you may be able to qualify for a new home loan as soon as 12 to 24 months after the discharge date of your bankruptcy. We can help you sort through the details and create a plan to re-establish credit.

POOR CREDIT

Here are some tips to improve your credit score:

  • Pay your bills on time each month
  • Pay down your balance owed to 30-50% of the total credit amount extended. The lower the better.
  • NEVER max out your credit and NEVER go over your credit limit.
  • If you have numerous collections, tax liens or judgments, our partner, Premier Credit Consulting can help. Find out how.

BANKRUPTCY

Whether you filed Chapter 13 or Chapter 7, you may be able to qualify for a new home loan as soon as 12 to 24 months after the discharge date of your bankruptcy. We can help you sort through the details and create a plan to re-establish credit.

SHORT SALE

If the hardship that resulted in your short sale has been worked through and your payments were current at the time of your short sale, you may be eligible for a home loan today. If your payments were not current, you may qualify for a new home as soon as 36 months after the close date of your short sale. Together we can work through your personal situation.

VETERANS

You may be eligible for a VA loan 12-24 months from the record date of a short sale or 24 months from the record date of a foreclosure. Find out more about what you can do to restore your credit

FORECLOSURE

You may qualify for a new home as soon as 36 months after your foreclosure. Now is the time to plan for the future. Let us help.

NO CREDIT HISTORY

You may be able to establish credit using the bills you are currently paying such as car insurance, cell phone, child care, utilities and/or rental history. We can help you demonstrate the ability to make payments on time.

Schedule Credit Consultation


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