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 500

  • 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