Welcome to my blog where you can get answers to your real estate and mortgage questions. Over the last 15 years I have had the opportunity to help over 1,000 families to buy, sell, or finance real estate. In doing so, I have seen and provided solutions to almost every mortgage situation you can think of. How can I help you today?

Wednesday, January 30, 2008

Bankruptcy Doesn't Need To Be a 7 Year Sentence!!

There are all different reasons that cause people to file for bankruptcy. Unfortunately, many people have been told that they have to wait SEVEN YEARS before refinancing or buying a home. This just simply isn't true! I specialize in helping people GET OUT of Chapter 13 Bankruptcy and paying off all their debts. What most people don't realize is that I have programs that will allow you to cancel your bankruptcy and pay off all of your debts in as little as 12 months after filing!! That's right, in most cases, there is no reason you need to continue to make your mortgage payment PLUS your trustee payment for several years. This can amount to thousands of dollars in savings and get you on the road to better credit, sooner!!
I also have programs that will allow you to purchase a home after discharging a Chapter 7 Bankruptcy, and again, you don't need to wait 5- 7 years. The key to these solutions is having on time trustee payments and/or starting to re-establish your credit history. For those of you who may not be "mortgage ready" I can recommend a course of action you can take that would allow you to remedy your situation, increase your credit score, and become "mortgage ready" in the coming months.... I never turn anyone away!
Because everyones situation is unique, it always starts with a FREE- No Obligation mortgage consultation where we can evaluate your current situation and find out how much we can save you. The call and the information are free, the advice and the service can be priceless!