Ok, so we filed for Ch 13 in Oct 2012 after getting behind on our mortgage and approx 100k in unsecured debt (business and personal). We were able to stop a foreclosure on our home by filing Ch13 and later sold it for the balance owed. We voluntarily dismissed the BK before it was affirmed in May 2013. We managed to settle with creditors and began to rebuild our credit by first obtaining secured credit cards, paying down a car loan and a using and making timely payments to a couple of store credit cards. So here we are approaching the 4 year mark and trying to obtain a JUMBO home mortgage. We've been able to raise our credit scores from the low 500's in 2013 to middle scores of 716 & 720 today. We have 20% down and and have a steady income .The bank is requesting all bankruptcy paperwork as part of the process. As I said we paid/settled all of the accounts listed on the BK schedule except for one debt that was a business debt. The debt is not being reported on my cr fit report nor is their any judgment showing up. We are very worried this will be a problem at underwriting. Does anybody have a similar situation that can offer some insight on what to expect?
