How to Obtain a Personal Loan After Bankruptcy Note: these timeframes start after the bankruptcy is discharged, not when it is filed. The discharge might take place months after the filing. To get a conventional mortgage loan after a Chapter 13 bankruptcy filing, you will probably have to wait at least two years after discharge — or four years after dismissal. Here’s the difference between.

After a Chapter 13 Bankruptcy, those individuals who qualify for a VA loan are eligible for a VA loan one year after filing their Chapter 13 Bankruptcy, one day after their chapter 13 discharge, and two years following a foreclosure. You may also be eligible for a VA loan two years after a Chapter 7 bankruptcy discharge.

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If you complete your Chapter 13 plan and receive a discharge, your mortgage should be current at that point. You will continue making regular mortgage payments for the term of the loan (or face foreclosure if you fall behind on payments) just as if you had never filed bankruptcy. However, if you do.

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Unlike other banks, we have a department dedicated to helping borrowers get a mortgage after bankruptcy. Our Chapter 13 Bankruptcy Division offers mortgages as soon as 1 day after a completed Chapter 13 Bankruptcy plan. We also offer mortgage loans during your Chapter 13 bankruptcy plan.

A complete guide to buying a home after a Chapter 7 or Chapter 13 bankruptcy.. others may require no waiting following the discharge date. Some of these mortgage lenders don’t generally.

The discharge in a Chapter 13 case is somewhat broader than in a chapter 7 case. debts dischargeable in a Chapter 13, but not in Chapter 7, include debts for willful and malicious injury to property (as opposed to a person), debts incurred to pay nondischargeable tax obligations, and debts arising from property settlements in divorce or.

CHAPTER 7 BANKRUPTCY WAITING PERIODS As mentioned above, all borrowers must wait least two years after the discharge date of a Chapter 7 Bankruptcy. The discharge date should not be confused with the date bankruptcy was filed. As with Chapter 13 bankruptcy, FHA regulations demand a full explanation to be submitted with the FHA home loan.

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