Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

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Does anyone have experience with a non qualified mortgage after Chp 13?

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  • #16
    Quicke23 , would you mind sharing your source for the loan? I am in a similar situation and within the 2 year window. Thank you!


    • #17
      Originally posted by bsmart View Post
      Quicke23 , would you mind sharing your source for the loan? I am in a similar situation and within the 2 year window. Thank you!
      Hi, what state do you live in? I'd be happy to share my info with you. My new home will be ready in June and I am just about to go through the whole process. My loan officer is a family friend.


      • #18
        North Carolina. We are just starting the process. Thanks so much!


        • #19
          Originally posted by bsmart View Post
          North Carolina. We are just starting the process. Thanks so much!
          My loan officer only works in the state of California; but I have some ideas for you from my experience. I tried sending you a private message; but I think you need to enable/allow messages in order for me to send.


          • #20
            Thank you for trying to p.m. I think the issue is that my account is so new, I also tried to send a message to you but wasn't email is brad2119 at gmail if p.m's aren't working...also let me know if calling or text would be better. Thank you so much!


            • #21
              Just an update, we signed final loan documents today, wired our down payment and closing costs and we are set to close Escrow on Wednesday! It's been quite an experience and we watched our home every step of the way, from a patch of dirt to the finished product as it stands now. The market continues to rise in the area along with interest rates. I'm looking to refinance in 8-9 months when my 2 years of seasoning is complete. Sure it sounds like we should have just waited until the 2 years was up before purchasing; but we got the house we wanted and the neighborhood sold out fast. 8 months of a premium payment was well worth it to us and the interest rate is still lower than the last time I owned a home in the early 2000s.

              BK can be a fresh start, it was a wake up call for me. Since filing in 2014, I have worked hard, doubled my income and learned to save instead of borrow. Best of luck to you all. Regardless of what kind of shape you're in currently, life can get better if you put your mind to it. People will doubt you and tell you that you cannot do something. Just keep plugging away! 😊


              • #22
                Quicke23 - Thanks for the update and congratulations on your closing tomorrow!!!! It's wonderful to hear a very happy ending with added good advice and encouragement!
                I'm in WA state and our market is going crazy right now also; I don't blame you for not waiting for the two years to be done.
                Filed Chapter 13 - 07/20/12
                Discharged 8/2/16


                • #23
                  Originally posted by sophieanne View Post
                  Quicke23 - Thanks for the update and congratulations on your closing tomorrow!!!! It's wonderful to hear a very happy ending with added good advice and encouragement!
                  I'm in WA state and our market is going crazy right now also; I don't blame you for not waiting for the two years to be done.
                  Thank you! Closing went very smooth! I could see the sales personnel were very surprised our loan closed on time based on my circumstances (we could not get approved for financing through the builder and the cost of the house was higher than current FHA limits). I'll see how things go next February/March for a refi!


                  • #24
                    Thank you for the update Quicke23. Good call in buying sooner, rather than waiting after the 2 year 'seasoning' period. Probably 2 years from now, purchase price will be way higher. One could always refi in the event interest rates go down. I've read real estate in SoCal is red hot, buyers are over bidding because there is no inventory.

                    Congratulations and I'm happy for you.


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