Hello Brett my question is this, I was discharged in August of this
year and my wife was NOT included in the BK. I was wondering if it
were possible to get a home loan earlier that 2 years if we were to
use her credit and mine to get the loan, or if we could just use her
credit to get the loan. If you had any other suggestions that I may be
able to use I would appreciate it.

There is no bar to seeking a mortgage sooner than 2 years; that
is just the rule of thumb before most people will be able to
requalify (assuming their post-BR credit is good). If your wife
alone applies, your credit would be irrelevant.

--
Brett

************************************************** ***************
* Personal Injury/Malpractice Bankruptcy *
* *
* BRETT WEISS, P.C. *
* Attorneys at Law *
* Maryland, D.C. and Federal Bars *
* lawyer@erols.com *
* http://www.erols.com/lawyer *
* *
* Small Business Estates & Estate Planning *
************************************************** ***************

The Small Print: This response is for discussion purposes only.
It isn't meant to be legal advice and you shouldn't treat it as
such. If you want legal advice, speak with a local lawyer
familiar with your state's laws who can review *all* of the facts
and the law applicable to your situation.
************************************************** ***************


"Ian Martin" <imartin26@hotmail.com> wrote in message
news:dfb1c13f.0309081250.9b781b2@posting.google.co m... Hello Brett my question is this, I was discharged in August of
this year and my wife was NOT included in the BK. I was wondering if
it were possible to get a home loan earlier that 2 years if we
were to use her credit and mine to get the loan, or if we could just
use her credit to get the loan. If you had any other suggestions that I
may be able to use I would appreciate it.

Ian Martin wrote:
Hello Brett my question is this, I was discharged in August of this year and my wife was NOT included in the BK. I was wondering if it were possible to get a home loan earlier that 2 years if we were to use her credit and mine to get the loan, or if we could just use her credit to get the loan. If you had any other suggestions that I may be able to use I would appreciate it.

Ian,

Generally, you do not have to wait two years. Only have to wait when
applying for a conventional loan, then it might be up to three or four
pending on the lender. Pending on the Chapter of BK. filed you may be able
to refinance immediately as long as you are current on the mortgage and
any credit item showing late is included in the BK.

If your wife can qualify credit wise and financially for a loan on her
own, then there will be no barrier.

Please feel free to post back with any questions you might have.

Good luck.

SS

--
Samuel Stovall
Mortgage Banker
Home America Mortgage, Inc.
Lawrenceville, Ga. 30045
770.817.9801
678.623.0219 (Fax)


... making mortgages simple ...

just remember she would have to qualify for the mortgage based on her income
alone. Unless you live in a community property state

"Samuel S" <3ss@atlcon.net> wrote in message
news:3F5D2117.14D4935C@atlcon.net... Ian Martin wrote: Hello Brett my question is this, I was discharged in August of this year and my wife was NOT included in the BK. I was wondering if it were possible to get a home loan earlier that 2 years if we were to use her credit and mine to get the loan, or if we could just use her credit to get the loan. If you had any other suggestions that I may be able to use I would appreciate it. Ian, Generally, you do not have to wait two years. Only have to wait when applying for a conventional loan, then it might be up to three or four pending on the lender. Pending on the Chapter of BK. filed you may be able to refinance immediately as long as you are current on the mortgage and any credit item showing late is included in the BK. If your wife can qualify credit wise and financially for a loan on her own, then there will be no barrier. Please feel free to post back with any questions you might have. Good luck. SS -- Samuel Stovall Mortgage Banker Home America Mortgage, Inc. Lawrenceville, Ga. 30045 770.817.9801 678.623.0219 (Fax) ... making mortgages simple ...

Thanks for the replys everyone, I will keep these things in mind.


"Albert Andrascik" <albert.andrascik@verizon.net> wrote in message news:<ulb7b.3794$ej1.117@nwrdny01.gnilink.net>... just remember she would have to qualify for the mortgage based on her income alone. Unless you live in a community property state "Samuel S" <3ss@atlcon.net> wrote in message news:3F5D2117.14D4935C@atlcon.net... Ian Martin wrote: Hello Brett my question is this, I was discharged in August of this year and my wife was NOT included in the BK. I was wondering if it were possible to get a home loan earlier that 2 years if we were to use her credit and mine to get the loan, or if we could just use her credit to get the loan. If you had any other suggestions that I may be able to use I would appreciate it. Ian, Generally, you do not have to wait two years. Only have to wait when applying for a conventional loan, then it might be up to three or four pending on the lender. Pending on the Chapter of BK. filed you may be able to refinance immediately as long as you are current on the mortgage and any credit item showing late is included in the BK. If your wife can qualify credit wise and financially for a loan on her own, then there will be no barrier. Please feel free to post back with any questions you might have. Good luck. SS -- Samuel Stovall Mortgage Banker Home America Mortgage, Inc. Lawrenceville, Ga. 30045 770.817.9801 678.623.0219 (Fax) ... making mortgages simple ...