However, as a Waco Bankruptcy Attorney and a Killeen Bankruptcy Attorney, I find that most of my clients that file a chapter 7 bankruptcy case want to keep their home. Obviously, you must to be able to make the monthly mortgage payments on your home after you file your Chapter 7 bankruptcy case if you want to keep your home.
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After that period of time, an eligible borrower could get an FHA-insured mortgage loan to buy a house. There are different requirements for Chapter 7 and 13 as explained below. Getting an FHA Loan After Bankruptcy: It’s Doable. The FHA loan program can be a good option for borrowers who can’t qualify for conventional financing.
As with Chapter 13 bankruptcy, FHA regulations demand a full explanation to be submitted with the FHA home loan application. To get a new fha insured mortgage loan after Chapter 7, the borrower must qualify financially, establish a history of good credit in the wake of the filing of the Chapter 7, and meet other FHA requirements.
Chapter 13 Bankruptcy and Your Mortgage. Chapter 13 bankrupcy does not affect your home mortgage. You continue to make your mortgage payments during and after the bankruptcy. If you are behind in mortgage payments, you can pay off the arrears through your Chapter 13 repayment plan (which lasts three to five years).
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Also, the threat of bankruptcy might force creditors to be more flexible with payment or settlement options. But opponents say. so you will be unable to obtain a loan or mortgage for a number of.
However, if you qualify for the exceptional circumstances exception-for instance, by demonstrating that the bankruptcy was beyond your control and not a result of financial mismanagement-you might be able to qualify as soon as 12 months after the discharge. A Chapter 13 bankruptcy filer can apply after 12 months of successful plan payments.
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If you are behind on your mortgage or facing foreclosure, Chapter 13 (unlike Chapter 7) allows you to make up mortgage arrears through your chapter 13 plan. chapter 13 bankruptcy provides other tools to reduce your home mortgage debt. You can strip off junior liens (second or third mortgages or home equity lines of credito) in certain situations.