A Few Facts about Bankruptcy
Bankruptcy is not a life sentence. Although a BK can stay on your credit report for up to 10 years, it need not affect your ability to obtain quality financing. Even after you have a bankruptcy, you can achieve high credit scores and qualify for the lowest interest rates available.
You should not just “wait for it to drop off after ten years” before applying for a new mortgage. You can obtain a mortgage while you are in bankruptcy if you know where to apply (and how to apply). Call me today to discuss.
You can rebuild your credit while you are in bankruptcy. In fact it is essential that you work on rebuilding your credit immediately. I can show you how to qualify for a new mortgage, credit cards, or an auto loan even while you are in bankruptcy.
Life After Bankruptcy - A Plan of Action.
Here’s what we (you and I) will do to improve your financial picture and get you on the path to “A” credit:
- I will obtain a triple-merge credit report with information from the three major credit bureaus. Review, consult, and
- I will provide advice on negotiating with creditors and/or stopping harassing calls from creditors.
- I will help you obtain a new mortgage if possible and appropriate.
- If you are making payments on a Chapter 13 bankruptcy, we will work with your attorney to retire Your bankruptcy.
- I will work to obtain a mortgage to pay off the balance on your BK so that you can start rebuilding your credit. Although, most auto loan and credit card lenders will not lend to applicants who are currently in bankruptcy, I have programs that will pay off an existing bankruptcy.
- I will give you advice on reestablishing consumer credit legally and ethically.
- I will give you advice on cleaning up your credit legally and ethically. Many people believe that paying off a bankruptcy is all that it takes to improve credit. Not true. Even two or three years after a bankruptcy, some lenders will continue to report erroneous derogatory information unless you do something about it. Lenders included in bankruptcy have no incentive to help you improve your credit.
- I will help you obtain an “A-paper” mortgage loan to reduce your mortgage payments so that you can live happily ever after.
Find out how you can obtain 100% mortgage financing even if you've had a previous bankruptcy, foreclosure, charge-offs, judgments, collections, low FICO credit scores or late mortgage payments. It isn’t easy but it can be done.
I Specialize in
Specialty Lending for Special Circumstances
I specialize in personalized nonprime and Alt-A mortgage financing solutions. I work primarily with people who have bad credit (subprime credit), income documentation concerns (limited income documentation), etc.
Tough Loans Welcome: Bad Credit and/or Income Issues are OK
If you have credit problems or cannot document income (or prefer not to), you should work with an experienced broker who specializes in subprime and Alt-A mortgage lending (Broker Ben).
Let’s talk
Call me at 888-337-9944 for a free, friendly, no-obligation consultation. I do not work banker’s hours so you can reach me morning, afternoon, or evening. Even weekends!
Take a Look Around…
Explore my site then call me at (888) 337-9944 or send an email to hello@brokerben.com if you have any questions. I look forward to assisting you in meeting your mortgage loan needs.
Applying is Very Easy
You may apply online or by telephone or by fax to get the process started.
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