Borrower situations

Recent credit event

Borrowers with a recent bankruptcy, foreclosure, short sale or deed in lieu.

Why it is hard

Waiting periods differ by program and event, and some non-QM lenders accept events just one day out.

What to ask a loan officer

What waiting period applies to my event for each program?
Do extenuating circumstances shorten the wait?
What non-QM options exist if I cannot wait?

Also called

bankruptcy, foreclosure, short sale, deed in lieu, chapter 7, chapter 13, credit event, recent bankruptcy

Find a loan officer

Ranked loan officers by state and city are coming soon. Agents can query now: /api/v1/loan-officers?specialty=recent-credit-event&state=FL or this specialty as JSON.