can you get a new mortgage with past foreclosure/bnkrptcy/ & no money down if so where?
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"
315368
There are probably several legitimate websites that offer this. You just have to pay for it. There is also a number in the Thrifty Nickle-whatever it is called where you live-free paper, that has the number you can call to get a list of foreclosures in your area.
357794
I dont know but if your going into foreclosure i can help you stop or avoid it. contact me at wshusa@chrisblanks.com\nput wshusa foreclosure in the subject.
490334
how come you have no equity?\nyou bought it for 0% down? then get the new house with 0 down.\nyou refinanced and lost all the money gambling? you should still have some equity, no?\nif you don't have savings and don't qualify for the right loan, then stay at your current home, budget yourself so you can save and get a new home at a later point in your life.\ndon't live beyond your means, don't be 'house poor' (people who buy expensive house and  burn 90% of their income on the mortgage).
776448
Assuming you have a heartbeat, you will get a loan.\n\nFrom there, your credit, remaining assets, income, and debt ratios will all come into play as your interest rate is determined.\n\nBut you can pretty much have been foreclosed on yesterday and get a new mortgage today if you put 30-40% down payment.
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.
169718
Im not sure if you happen to live in the baystate (massachusetts or even New hampshire or RI) but baystatelending.com is awesome- put in your info regardless of whether or not your from the area and they will probably refer your information to another lender who could get you a loan
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)
1118630
Ask youself, do I want a mortgage if I do not have a job lined up?  I would assume the move is related to a new job.  If so, you will not have nay issues getting a loan.  I can get someone financed with no money in the bank, no job, if they have a 680 credit score.  No Doc loan are available if you have good credit and some money to put down.
748092
Check with your current mortgage company, or with the new mortgage company.  See if they offer the bridge loans.  You could also ask your realtor, if there is one involved in your transaction.  To find a lender, if you haven't already, try a yellow book listing, and call and interview a couple companies to find out the terms that are available for you.  Good luck!
969637
Go to a mortgage broker, they are easier than banks and have a number of lending programs. Anyone can get an FHA mortgage 18 months out of bankruptcy, so I'm sure you can get a mortgage having not had any of these past issues! There may be a few things you need to touch up but I'm sure you can get a mortgage. You just have to know where to look....and don't take no for an answer.
227390
no they dont do that over here.you could try repossed homes
825908
Contact a mortgage broker. they are very well educated as to what lenders are the best for each type of situation. I work for a sub-prime lender named New Century Mortgage. There are many out there such as Long Beach Mortgage, Countrywide has a sub-prime division, Ameriquest, First Franklin and MANY others! Most places do not do direct consumer lending and the only way you can get a loan is to go through a mortgage broker.
104864
You can not "give back" a house, manufactured or otherwise. you can pay it off early, however depending on the loan you might have a prepayment penalty. If the bank "takes back" a home it is considered a foreclosure, and then you can kiss your dreams od buying stick built good bye for awhile (12 -24 months to get an affordable rate, plus you will not be able to finance as much of the loan). Your best bet is to sell the home, then buy one that is stick built. The problem is that your manufactured home has to be post 1976 in order to fall into HUD guidlines. If it is older than that then you need to find private funding as it can not be sold on the secondary market and no lender will finance it (has to qualify fanny or freddy). If it is newer than '76 talk to a realtor and get the house sold. There is nothing wrong with looking for, and drawing up a REPC on a house you would like while your other house is listed. You can make the purchase of the new home contingent on the sale of the old home. Or of you have good credit and make decent money, you can purchase the new home before the old home is sold. The old home just becomes a second home, or investment property depending on the distance from the old home to the new home. There are lots of options for you .. but "giving back" the man. home is not one of them.
163285
http://www.foreclosurefreesearch.com/,its completely free
476390
take a loan on the equity of your property.  it will be like a new mortgage
751744
You could do it immediately as long as your current mortgagor allows it and you're willing to pay any fees, penalties, etc.  \n\nNow's the time to read the fine print on your mortgage if you haven't already, because that's where you'll find the correct answer, not here on Yahoo Answers.