How soon after a bankruptcy and a foreclosure can I get a mortgage?
Answers | 4
Generally speaking, 4 years. If there were extenuating circumstances, then possibly only 2 years.
1 day really if you have enough of a down payment. Higher rates of course and more fees if you cant get qualified with FHA or Fannie/Freddie.
One year with perfect pay after the event, buy then hold for the conventional refinance with 15 - 20% down
It depends on the lender, or in my case, our investors. I've done it as soon as 2 years. We really like to see how you bounce back from it, not the actual bankruptcy itself, although it does play a part. Just focus on building as much good credit as you can and don't be late on anything after your bankruptcy, that's what will really mess with you.