Vintage Home Loan is about finding loan solutions for borrowers with unique situations.  Call us today if you have been denied by another lender or have been told your situation does not fit another lenders' loan programs.

If I've Had a Bankruptcy in Recent Years, Can I Get a FHA Loan?

Yes, generally a bankruptcy won’t preclude a borrower from obtaining a FHA Loan. Ideally, a borrower should have re-established their credit with a minimum of two credit accounts such as a car loan, or credit card. Then wait two years since the discharge of a Chapter 7 bankruptcy, or have a minimum of one year of repayment for a Chapter 13 (the borrower must seek the permission of the courts). Also, the borrower should not have any credit issues like late payments, collections, or credit charge-offs since the bankruptcy. Special exceptions can be made if a borrower has suffered through extenuating circumstances like surviving a serious medical condition, and had to declare bankruptcy because the high medical bills couldn't be paid.

Pre-qualify for a loan in a few simple steps

Get Started

Fill out your Secure Application

Apply Now

See what our clients are saying:

Testimonials