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You will be able to obtain a mortgage after bankruptcy but you will have to wait a while. The usual time period for a reasonably priced mortgage is two years from discharge. Occasionally, an aggressive lender may offer a product that allows for a shorter time period from discharge, although the terms will probably not be among the best. Also, in times of rising interest rates or “tight money” periods, there will be no such choices. Another option, if you can find it, is seller financing. The seller of a home, in order to facilitate its sale or who does not have a better source of investment for the sale proceeds, may be agreeable to financing the property him/herself. They will receive earnings (through the interest rate) while still having excellent security (their former property.)