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Hello for those that was able to get a mortgage after bk 7 discharge... which company did you go with?
I used a well established mortgage brokerage company. I was five years out so they didn't even care about the BK at that point. Didn't even have to write a letter of explanation for the BK.
Depending on what part ofthe country you are, there would be many options. You can use a broker or go with an individual bank. Just be sure to do your homework like Scupra said. My loan officer was really impressed by how much I knew about the mortgage process (she even commented that some of the loan officers in her office did not understand some concepts I knew). I felt really prepared and the process was really easy. I owe everything to all the fantastic information I got from these forums!
Thanks
You can get an FHA loan 2 years after discharge, however you'll need the 3.5% as a down payment. I'm not sure if USDA would also give you a loan since it's another government program, but there are options for people out there, even with low credit scores.