Does anyone know of a mortage company or companies who are willing to work with people filing for bankruptcy?
490162
no you are risk to them don't mean to be rude but have been there
812214
Please contact the local bar association for a referral to a bankruptcy attorney.  Consult with that attorney for accurate answers to your questions.
357290
Go to Lendingtree.com\n\nI got a Mortgage after my wife declared bankruptcy.
881806
I filed for bankruptcy 4 years ago. I made payments to my lawyer. I couldn't really afford one payment. Some of them will offer a payment plan.check into it
42594
It depends on when you filed bankruptcy and whether or not it has been discharged.  Some lenders help clients get into homes 1 day out of bankruptcy.  You will have to put some money down most likely, but the rates aren't outrageous if you're working with the right people and hopefully the bankruptcy has improved your situation as well as credit scores.  You can probably get 100% financing if you have a 540 credit score.  I'm from the MD area and know that housing there isn't cheap.  Good luck with your search!
192403
My ex-husband's car was repossesed. Then when he didn't pay off the balance due, they tried to come after me because my name was on the original loan. What a mess. No bankruptcy for me, but I know people in both Florida and California that have worked after filing bankruptcy.
619596
First of all, what kind of Bankruptcy? If it's a Chapter 7, yes you can get a loan for a house. Contact me and I can help you!
608970
I would love to tell you that everything will be alright. But you are in a very tuff situation. It sounds like the pinnacle of either some hard times or poor choices are catching up to you. The first thing is look to a mortgage loan BROKER, not a bank.. A broker is going to work with a greater number of banks and lenders that will be able to offer you a mortgage if there is one available to you. There are loans out there up to 125% of your homes value that can be utilized in a refinance. However loans that high are often offered only to good credit high FICO score borrowers. IF you have not had a lot of lates since the Bankruptcy you might be in luck, however if you have had lates since.. you are really not in a good position to refinance. Antoher option is somehting called a "Short Sale" this is an option that you may know about from all the mailers you are getting from real estate agents and or investors that saw your home listed in forclosure... It is where you find a seller to your home, and the offer is presented to the lender (your real estate agent can do this) and the lender agrees to "forgive" the loan to whatever amount and sell the home for less than you currently owe.\n\nLet me tell you as someone in finance and mortgages this is one of the best options to you. Whatever the situation and however you got there, you want to walk away in the best situation you can. You bought a home once, and can again but don't let it go all the way to forclosure waiting for something magical to happen because it usually does not.. Sel it using a short sale and walk away from it without a forclosure.. It does not sound like you have any equity to lose and if you walk away without a forclosure on your credit and without the debt of mortgage balance on a home you longer own you will be in a better spot.\nOnce that is done you and your husband can focus on getting back on your feet. Best of luck to you!
270865
Normally I recommend that you do not mess with credit repair services if you can help it. Many are a scam.  They charge you hundred of dollars to do stuff that you can do yourself.\n\nYour case appears to be a little more complex.  You need instant relief (which I seriously doubt you will get).  Not only do you need to work with your current creditors, you would want to work with the mortgage company.  They seem to be very unreasonable about their demands to clean up your credit report.\n\nYou may need the help of a trained negotiator.  I don't know your current income situation so I can't be of much more help here.\n\nRead the links below and decide what you would like to do.\nGood luck.
515787
I've done bankruptcy for years for clients; the website is slick, but I've never heard of these people, and I'm in Texas.  Check them with the Better Business Bureau and the State Bar of Texas -
874092
Never heard of them, but i have used a debt settlement company that did a good job. \n\nhttp://www.expert-credit-advice.com/ \n\nYou may want to research whatever companies you are considering by checking out the bbb http://bbb.com/ \n\nAlso the state attorney general.
273390
yes try Creative Mortgage out of Denver. Colorado. 1-866-488-0929 ask for Anthony in HR. they can do just about any type loan any where.
813523
If you're looking into purchasing bank owned foreclosures in SanDiego, just shoot me an e-mail as to what you're looking for and I will locate them for you and negotiate with the bank on your behalf. I can also find homes that are going into foreclosure and provide you with financing pre and post foreclosure.\n\nRegards
160631
CONTACT YOUR MORTGAGE COMPANY...THEY OFFER HARDSHIP ASSISTANCE TO PEOPLE THAT QUALIFY. USUALLY THEY PREFER TO WORK WITH PEOPLE THEN TO GO INTO FORECLOSURE IT'S CHEAPER FOR THEM. YOU COULD ALSO CONTACT THE EQUAL HOUSING THEY MAY BE ABLE TO ASSIST YOU.
189037
It never hurts to ask, but, they are in the business of making money, and as stated above, unless they think you are in serious contention to completely default and/or file for bankruptcy, they are not willing to make these types of deals.\n\nThey may make this deal if you go through a credit counseling agency, but they will do that through them, who act as a middle man...accept, you will basically have to tell them that you are broke...which you are not...\n\nif you seriously are in need of credit counseling, you may be able to wipe out  20-40% of the balance....however, with the bankruptcy laws changing last year, credit counseling is required prior to full dismissal in bankruptcy court...\n\n\nhttp://www.nfcc.org/
492384
The answer to your question is yes you can get a mortgage with a past foreclosure or bankruptcy, there are even some companies that will give you a mortgage with you being one day out of bankruptcy.\n\nYou should find you a good mortgage "Broker" in your local area. This person should be knowledgable about loans that are in the sub-prime area as well as loans that are A-.\n\nOne thing you should know about getting a loan since you  have had a bankruptcy and/or foreclosure your interest rate will not be what you read in the newspaper. One thing to keep in mind is that no matter what the rate  is it is tax deductable on your federal income tax, so you will eventually get it back, your payments will be higher. This will depend on how long you have been out of bankruptcy and foreclosure. The longer the better.\n\nOnce you have successfully paid your mortgage for a year you may refinance the loan for a better loan and this time, if you have paid your mortgage on time you could possibly get a rate that you read about in the newspaper. Remember that in addition to paying your mortgge on time it is equally important to pay your other debts, such as car notes, and credit card debts on time also. This will give you the best possible interest rate available.\n\nIf after a year and you have made your mortgage payments on time, but have had a little difficulty with the other consumer debt get a good mortgage "Broker" they have access to lenders that will give you a mortgage only loan.  This is a mortgage based solely on how you have paid your mortgage. \n\nI hope this has been of some use to you, good luck.\n\n"FIGHT ON"
1151958
Try the company that has your home owners insurance or renters insurance