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Apr 13

Buying a House After

Buying a House After

If you or someone you know is one of the many Yumans who lost their home as a result of a foreclosure, short sale or bankruptcy, there is hope! Not only is homeownership possible again, but it may be easier than you think. In most cases there is a waiting period before you are eligible to qualify for a home loan. But buying a house again doesn’t have to be complicated once you know the waiting period that applies to your personal situation and take the necessary steps to

Apr 5

Nova Home Again Program

Nova Home Again Program

  If you have been through a significant credit event, like a foreclosure, short sale or bankruptcy, you may be wondering what your options are for becoming a homeowner again.  Conventional, FHA, USDA and VA loans all have waiting periods, typically 2-7 years.  For full details, read our article How Long Do I Have to Wait to Buy Again?   We can also work together with our Credit Services team to help you raise your credit score. If you don’t want to wait 2-7 years to buy a house, the

Sep 17

FHA Back to Work – Buy a House Sooner!

FHA Back to Work – Buy a House Sooner!

FHA recently came out with an exception to their guidelines that will allow borrowers to get an FHA loan only 1 year after a bankruptcy, foreclosure, short sale or deed-in-lieu.

Aug 5

How Long Do I Have to Wait to Buy Again?

How Long Do I Have to Wait to Buy Again?

There is life after a short sale. There is life after Bankruptcy. There is even life after foreclosure. Anyone can fall on tough times. With the proper planning, you can become a homeowner again before you know it.

Jul 2

Thinking of Walking Away From Your Home?

Thinking of Walking Away From Your Home?

If you’re considering the “strategic foreclosure” option (walking away from your home and “letting it go back” to the bank), here’s another piece of the puzzle. Fannie Mae recently announced that they are modifying the amount of time required for someone to qualify for a new mortgage after they’ve had a foreclosure.  The waiting period used to be 2 years for most loans.  The new rule makes it so you won’t be able to buy another home for 7 years after a foreclosure.  Now, if you can fully document