Who peed in your Cherrios?
i was replying to the post by sgtm7, not the OP.
If you read my post carefully, you would notice that I DO acknowledge the OP was talking FHA, but sgtm7 had mentioned a VA Guarranty.
I was trying to make it clear to them that if they were talking VA vs FHA, it was apples & oranges.
Wife and I filed chapter 13 in August 2009. Made our final payment in October 2010. Should have our discharge papers in about 4 weeks. I've been online looking for mortgages and cant seem to find a lender. Would you mind telling me who you used? Anyone else know of a mortgage company that works with people just out of chapter 13?
Feel free to email me at [Edited]
I had to remove your email address because personal information is not allowed to be posted in the public forums per the Terms of Service. This is done for everyone's safety and security. You are free to exchange such information via PM (Private Message).
Thanks for your understanding.
-Marinevietvet, myFICO moderator
We did a refi with National City Mortgage six months after discharge of a CH 13. Our BK was a non-issue; our FICO mid scores were 720 and 730.
National City Mortgage is now a part of the PNC Bank. Two months after we completed our refi, National City Mortgage transitioned to PNC Mortgage.
Hope that's helpful.
Hi...I filed chapter 13 in 2008 and am about to be discharged. What bank did approve your loan? I have contacted about 10 mortgage brokers and all of them have a 1 to 2 year waiting period. We'd like to be able to get approved earlier than that if possible.