Mortgage for a Family with Challanged Credit

okay from what i have been told mortgage companies only go back 2 years when looking at your credit. Have you started to rebuild your credit at this point? If you have and have been on time with everything there should be no problem, however you will more then likely get stuck with a higher interest rate at first but you can always refinance after two years. Good luck.

My husband Nate, can help you. He is a broker with OCM Mortgage in Overland Park. Give him a call anytime (even on weekends) here are his numbers...###-###-#### hm, ###-###-#### cell, ###-###-#### wk, ____@____.com if you would rather him call you, send me a message with your number and I'll pass it on to him.

B.

Well, I think it may depend what area you want to buy in. Most importantly, you should avoid predatory lenders who will give you a low initial interest rate and an adjustable rate mortgage (ARM). Your payments will be low at first but then skyrocket. Many people who took such loans are now entering forclosure; it's been all over the news. Neighborhood Housing Services, ###-###-#### is a not-for-profit, honest lending service that definitely has a program that you can qualify for if you have been out of bankruptcy for at least two years (we are taking advantage of it this September). However, it may only apply to certain areas of town, probably only on the Missouri side, but I'm not sure about that, so you should definitely check them out.

Hi A., I work for Plaza Morgage. Alot of my clients are "credit challanged" borrowers! If you are two years out from your Bankruptcy than you could do a FHA loan. Contact me at my office. ###-###-####

I look forward to speaking with you!
D.