AboutStacy Expertise I can provide answers for Conventional, FHA and VA Mortgages. I can provide information about brokers and bankers. Answers to fees and what is considered excessive. Respa and Compliance. I am currently a Government underwriter and a loan officer. I believe Knowledge is KEY to any homebuyer or homeowner. I have recently found that some lenders dont understand borrowers in chapter 13 bankruptcy. I have the knowledge to help borrowers in need
Experience I have been in the mortgage field for 17 years. I have worked for title companies, Mortgage lenders and Banks. I have assisted organizations and lenders traning for Government loans. I am a current Direct Endorsement Underwriter for FHA
Education/Credentials No College Degree, However in the Mortgage Industry you learn by doing. I have a to be able to look myself in the mirror and know what I have been doing is right for the consumer.
Awards and Honors President Award for Corporations
Question can i get a mortgage after chaper 7 one year later
Answer Stephen
The general rule is 2 years from discharge. However if you filed BK due to medical or death of spouse then the wait period can be waived. It used to be that you would have to also established new credit, however you can choose not to incur any debt. If you dont meet the requirement then you will have to wait 2 years from discharge.
