My husband and I have filed chapter 13. Is there anyone who will give us a loan for a house with no or low dow
478265
IF you have been in debt and didn't pay your bills and had to flake out on chap 13 maybe you don't need a loan rent like the rest of us poor people
648054
Assuming you have more than $125K equity in your house, you can talk alsmot any bank about an equity line or equity loan.  I like Washington Mutual myself...\n\nIf you DON'T have this much equity...well, you are out of luck.  \n\nBTW, my experience has been that deals which have short time limits are usually best left to pass.  If the time limit is due to an auction, for example, then you should have prepared much sooner.  If someone is giving you a "limited time offer" then you should probably laugh in their face.
989879
simply put, no, and because of recent law changes it's more difficult to file chapter 13. You need an attorney.
13801
Hi.My real name is Waj.May I know ur location? Actually I work in a Mortgage Company. We provide Home Loans with no down payments and with low interest rates.I am ready to help u out and I live in Houston. If you are in U.S I will surely help u in getting house without down payment. Plz feel free to contact me by email at mailshamsboy@yahoo.com. \n\nThanks.
344636
There are financing options out there for you and your husband, but because of the bankruptcy you are going to have to pay a higher interest rate and most likely you won't be able to buy your dream house anytime soon.....it will take some time to build your credit back up and in time things will be back to normal for you both, check with top lenders, stay away from mortgage brokers, try Countrywide, Ditech and national lenders....mortgage brokers make profits based on several factors including interest rates, so someone who has credit issues are easy prey, national lenders typically have programs for people in the situation you are in and although you will have to pay higher interest, it won't be outrageous. Any other questions just send an email, happy to help.
1044080
this is tough question normally there is a wait time of 2 years\nhowever sounds like your husband did not file\nclick on my pic there is a bad credit link there which has the following text\n"We have over 80 Little-known Banks & Companies that offer Bad Credit Loans, Bad Credit Home Loans, Bad Credit Auto Loans, and Bad Credit Personal loans to people with Bad Credit or even a Bankruptcy. Many require absolutely NO COLLATERAL & NO CO-SIGNERS. Home ownership is not required."\ncheck it out for yourself
1017189
First of all, it depends on whether you plain to file Chapter 7 or Chapter 13.  A Chapter 7 is a reorganization of your debt, usually without interest and, frequently, paying less than you actually owe.  Chapter 13 is a complete discharge of your debts.\n\nIf your retirement funds are in savings, stocks, bonds, etc., that money can and will be used.  However, any pension and/or social security you may receive are safe.  Under ERISA, these monies cannot be taken.\n\nNote to SHOSHIDAD -- bankruptcy is filed in federal court -- why would state rules apply?
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!
484349
If your husband has a steady job and your previous credit is fairly good, then you might want to try one of the credit companies like Capitol One for instance or HBC.  The interest rates are huge but they can usually find a way to put all the different debts together and spread it out over 25 more years to keep the payments low.  This was an option I took a a number of years ago during a renovation that went bad. Hopefully you can sell the house when completed if the amount you sell the house for is more than the debt and start fresh, getting rid of the high interest debt. It sucks to sell what you have worked so hard for but it is just a house.  The credit companies will sometimes let you pay the total debt without penalty if you sell the home and then you haven't paid much high interest anyways.  I understand the devastation and hopelessness of being in what seems to feel like an out of control situation.  You have to believe that life can get better just as quick as it went wrong.  If your only option is bankruptcy, so be it,  do what you have to do to make a stable home for your kids.  Just take control of the situation, get a few opinions and start sleeping again.  Banks run like sissies when you need help yet they are the first in line to bankrupt you in the first place.  There are reputable companies around to help people like yourselves in this tight spot.
611948
Any purpose loan with low APR! Called Any for short
579723
try contacting www.naca.com\n\nthey are a housing advocacy group, non-profit, and they do their own lending.  they will work with you on your credit if necessary.  Good luck!
868386
Go to your bank, find out about home equity loans, you will have to know if there is equity in your house though, also refinancing, you can go to yahoo and find out also google, but your local bank should have something that you can do. or either the mortgage company you are with. give them a call, they should also be able to help you with that.
588329
There are many lendors who will give you a home loan one day out of bankruptcy, look in your yellow pages, they usually state this in their ad.  As long as you have a good job, and been there a long time, they will give you a loan.  And dont sign a lease for a year, do a temporary thing, so you can get a house asap!
353503
YOU CAN GO ON DUN AND BRADSTREET'S WEB SITE AND THEIR RATE ALL BUSINESSES.  BUT, BEFORE YOU BUY RIGHT OUT, IF YOU QUALIFY FOR A MORTAGE FROM THEM, THEN YOU CAN QUALIFY ANYWHERE.  CHECK WITH YOUR CITY OFFICE AND SEE IF THEY HAVE PROGRAMS.  IN COLUMBUS, OHIO THEY HAVE A PROGRAM WHERE THEY PAY THE DOWNPAYMENT AND ALREADY HAVE LENDERS THEY WORK WITH.  ALSO CHECK FOR FORECLOSURES, HUD, AND AUCTIONS.  YOU MAY GET A BETTER DEAL.  ALSO GO ONLINE AND SEE WHAT OFFERS YOU GET.  IF YOU FEEL WORRIED ENOUGH TO ASK ABOUT THEM, MAYBE YOU SHOULD LOOK FOR ANOTHER LENDER.\n\nJJ
796405
try borrowing from prosper.com. It is a people to people lending site that's getting very good reviews. Good luck..
496256
Unfortunately, he can file bankruptcy, which just makes it harder for you to collect. You did mention for "us" to qualify  for a loan on our new house... I'm assuming this means you both own this house together (BOTH of your names are on the title)? If this is the case, you can go to court, and sue him for your half of the equity in the house (and the original downpayment plus attorney's fees) - this may require him to sell the house (which he can't legally do without your signature if your name is also on the title also). While the money you used to pay off your ex's vehicle and travel trailer might be gone (but not necessarily), at least you might be able to recover your loss suffered in the mortgage loan. Good luck!
321762
Ours has been discharged now for about a year and a half and we are in the process of purchasing a 4 bdr, 2bth home. So far we have the home but are now looking for a piece of land to put it on. All we had to do was show proof of discharge and what all was paid off in it. Since you have no money to put down I would check around and find out what ya had to have down. If you had to have a down payment I would try to get a co-signer, or look into FHA, HUD or Section 8 or any Government loan programs to see if I could get help from any of them. Good luck and wish ya the best..... :0)