Hello :Brandy,

I realize times have gotten tougher in the Mortgage business. Use to be that with a bankrutcy due to medical you could still be considered for a loan. I would talk to a local lender and have them give you the honest answer. If you need some names please let me know and I'd be happy to help.

As far as HUD homes, you can search for them yourself but you do need a realtor to make an offer. You will need a pre approval letter from your lender and earnest money before you make an offer. Most homes are as is, some have money allowed for carpet and such. You just need to talk to a lender first.

Hope this helps. Give me a call anytime. 404-312-3357

Best regards,
Brenda Noll

The agents below are on target, the lending requirements have changed significantly - as they should since it was much to easy to qualify for a loan and that's the main reason we're in this market. Contact a reputable lender, it has to start there.

Hank

Brandy, the requirements have changed significantly over the past 12 to 18 months. Years past you could have had a Chapter 7 discharge yesterday and get a loan to buy a home today but not anymore. You really need to take the advise of the experts here and get with a good loan advisor such as a loan officer from Wells Fargo which has many programs right now. There are others also. Hearing the truth about what you can and cannot do right now will put you in a position to move forward with a purchase, a lease purchase, or a lease.

HUD foreclosures are homes that had FHA financing which were foreclosed. You still have to obtain financing in order to purchase a HUD home. I believe you are looking a 2 to 3 years from your discharge to obtain a loan these days.

Hi Brandy - You need to get in touch with a mortgage professional who specializes in credit restoration. Dependant upon your current credit and area in which you are looking to purchse, you may be pleasantly suprised at the opportunities that are available to you. I have a website with information that will help you review the credit restiration process and would be happy to assist you. Please visit my site and contact me via email at gwennt@centurytel.net with any questions.

Glad to help

Contact a mortgage broker who can review your financial records, employment history 2 years, credit scores, debt ratio. If your are not approved request for loan officer provide you guidance for future home purchase.

You need to contact a good lender.
thanks