Buying a Home With Bad Credit - Why a Recent Bankruptcy Will Not Stop You From Getting Approved

Buying a home with bad credit is possible with the help of a subprime lender even if you have a recent bankruptcy or foreclosure. These mortgage lenders specialize in financing home loans for people with poor credit.

Effect Of Bankruptcies And Foreclosures On Credit

A bankruptcy or foreclosure is not the death of your credit. Yes, your credit score will be hurt and you won't be able to borrow from a traditional mortgage lender right away, but you still have options.

A bankruptcy or foreclosure signals a crisis in finances. Lenders understand this, and if there are mitigating circumstances, such as a healthcare emergency or loss of a job, they will make exceptions.

Minimize Your Bankruptcy Or Foreclosure

To minimize the effect of your bankruptcy or foreclosure, include a one-page letter in your credit report stating the reasons for the financial crisis. Lenders want to know that this was a one-time event, not a sign of financial irresponsibility.

While including the letter in your credit report, review all your accounts and be sure they are accurate. After a bankruptcy, creditors may leave open accounts, even when they should be closed. These open accounts can have a negative impact on your credit score.

Appeal To Mortgage Lenders

To appeal to mortgage lenders with a bad credit history, increase your down payment and cash reserves. A large down payment ensures that the mortgage company will receive at least a partial return on their investment if they have to foreclose. A FICO score of 580 will require at least a 5% down payment, and lower scores will require a larger down payment.

Cash reserves ensure that the borrower has enough resources to weather a temporary financial emergency. Mortgage lenders like to see at least two months worth of payments in a savings account, but a higher amount will only help your application.

Online Mortgage Brokers

Online mortgage brokers also make it easier to find financing for people with adverse credit. Through their websites, you can compare multiple finance offers from different lenders, ensuring you get the best rates and terms to buy a home.

To view our list of recommended bad credit home loan companies online, visit this page: Recommended Bad Credit Mortgage Loan Companies Online.

Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.

In The News:
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.100mortgages.org/20081008/fixed-30-year-mortgage-rates-improve/cid=1255478429ei=wYLxSMbXIYyQ6wPznJn6BQusg=AFQjCNFeRpLtSZsYBW1HXi2hkX6MtB54Ywimg src=http://news.google.com/news?imgefp=G_VhJ4dGKeAJimgurl=www.100mortgages.org/wp-content/img/2008/10/american-flag44.jpg width=80 height=57 alt= border=1brfont size=-2100 Mortgages/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601103%26sid%3Da6D1zozXRcb0%26refer%3Dnewscid=1255478429ei=wYLxSMbXIYyQ6wPznJn6BQusg=AFQjCNH_Bo-aQZiEmqxwklb4MAkTDl_DiAUS MBA#39;s bMortgage/b Applications Index Rose 2.2% Last Week/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobrOct 8, 2008/nobr/fontbrfont size=-1The bMortgage/b Bankers Association#39;s index of applications to purchase a home or brefinance/b a loan increased 2.2 percent to 465.5 from 455.4 the prior week. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/mortgage-applications-rose-22-last/story.aspx%3Fguid%3D%257B30541BCE-841D-4BA6-8825-0BAD8D77174A%257D%26dist%3Dmsr_1cid=1255478429ei=wYLxSMbXIYyQ6wPznJn6BQusg=AFQjCNG6H4lzLYXIW0ns6CFXBx9juV7LggbMortgage/b applications up 2.2% last week/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.inman.com/news/2008/10/8/lower-rates-stoke-mortgage-appscid=1255478429ei=wYLxSMbXIYyQ6wPznJn6BQusg=AFQjCNGkubBKrJ9LimjcBTAMCsXyE9dvgwLower rates stoke bmortgage/b apps/a font size=-1 color=#6f6f6fnobrInman.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/realestate/news/blogs/renow/2008/10/rates_on_the_de.htmlcid=1255478429ei=wYLxSMbXIYyQ6wPznJn6BQusg=AFQjCNFJVKCS8K35sYyM7T4a-j0N2GzQogRates on the decline/a font size=-1 color=#6f6f6fnobrBoston Globe/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://originatortimes.com/content/templates/%3Fa%3D3618%26z%3D3cid=1255478429ei=wYLxSMbXIYyQ6wPznJn6BQusg=AFQjCNGqq6Ol_8PHtYoshkYcj9A-ReHXawnobrOriginator Times/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.housingwire.com/2008/10/08/mortgage-applications-rise-or-fall/cid=1255478429ei=wYLxSMbXIYyQ6wPznJn6BQusg=AFQjCNEk3k4OMNZbRbDqTmmdTpM5xo8bfgnobrHousing Wire/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255478429hl=ennobrall 16 news articles/nobr/a/font/div/font/td/tr/table
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