PORTFOLIO- PRIVATE GEORGIA MORTGAGE LENDER APPROVALS!

Purchase 1 day after bankruptcy, foreclosure, short sale and deed in lieu of Georgia foreclosure up to 2.5 million. These are not subprime loans, but they do often have higher interest rates, and higher closing costs.
Georgia Portfolio mortgage lender offer private Georgia mortgage loan approvals are looking at other compensating factors to approve these loans. Examples include: 12 months timely rental history, high credit scores, lower loan to value (larger down payments), and reserves (future Georgia mortgage payments in the account at closing).

A minimum 500 credit score For Georgia Portfolio Mortgage Lenders Programs!!

BAD CREDIT FHA MORTGAGE LENDERS APPROVALS WITH MINIMAL DOWN PAYMENT AND CLOSING FEES:

Down payment only 3.5% of the purchase price.
Gifts from family or FHA Grants for down payment assistance and closing costs OK!
Sellers can credit the buyer’s up to 6% of sales price towards buyers costs and pre-paid.
No reserves or future payments in account required.
FHA regulated closing costs.
Read more about buying a home with an FHA mortgage Bad Credit –No Credit – Investment –Second Home –Multi Family –

Bad Credit GA Mortgage Lender Programs– Case By Case situational approvals!
FHA Bad Credit Georgia Mortgage Lenders– Min 580 middle 3.5% Down min 550 With 10% Down.
VA Bad Credit Georgia Mortgage Lenders – Min 550 middle credit score with 100% financing.
Georgia Mortgage After Foreclosure – Short Sale – Bankruptcy- Foreclosure– Private Portfolio GA Bad Credit lenders.
Bad Credit Georgia Portfolio Lenders- Private GA mortgage lenders that do not sell the loans.
Hard Money GA mortgage lenders- Hard money for case by case bad credit Georgia mortgage applications.
No Credit Score Georgia Mortgage– No Credit score Georgia with a bad credit past!
Modular Home Bad Credit Georgia Mortgage Lenders– Factory built bad credit modular home loans.
Georgia Bad Credit Jumbo Mortgage lenders– Bad Credit GA jumbo mortgage lenders down to a 500 fico!
Debt Consolidation Bad Refinance in Georgia – Refinance to lower your total monthly obligations to provide financial relief..
3.5% Georgia FHA Mortgage Lenders Min 580 FICO!!

BAD CREDIT FHA MORTGAGE LENDERS ALLOW HIGHER DEBT TO INCOME & EASIER JOB QUALIFYING

FHA allows higher debt ratio’s than any conventional mortgage loan programs.
Less than two years on the same job is OK!
Self-employed buyers can also qualify with FHA Mortgage Lenders.
Read More about Gifts For Down Payment – Documents Checklist – Debt To Income – Student Loans –

SAME DAY PRE APPROVALS!

FHA- FHA MORTGAGE AFTER GEORGIA BANKRUPTCY APPROVALS!

Chapter 13 Bankruptcy- You may apply for a FHA mortgage after your bankruptcy has been discharged for 12 Months or (1) year with a Chapter 13 Bankruptcy. You must have 0 x 30 day late payments, and permission from the chapter 13 trustee.
Chapter 7 Bankruptcy- You may apply for a FHA mortgage after your bankruptcy has been discharged for TWO (2) years with a Chapter 7 Bankruptcy. You may apply for a FHA insured loan after your bankruptcy has been discharged for ONE (1) year with a Chapter 13 Bankruptcy
Foreclosure – You may apply for a FHA insured loan THREE (3) years after the Georgia Foreclosure sale/deed transfer date. You may have to search county records office to locate the deed in order to count a full 3 years.
Short Sale / Deed in Lieu – You may apply for a FHA insured loan THREE (3) years after the sale date of your foreclosure. FHA treats a short sale the same as a Foreclosure for now.You may have to search county records office to locate the deed in order to count a full 3 years.
Credit must be re-established no late payments in past 12-24 months, depending on hardship
Application Date must be after the above waiting period to be eligible for FHA financing after hardship.You may have to search county records office to locate the deed transfer out of your name fin order to count a full 3 years.

Chapter 13 Bankruptcy – Once you have finished making all payments satisfactorily, the Georgia mortgage lender may conclude that you have reestablished satisfactory credit.

If you have made at least 12 months of timely payments and the Trustee or the Georgia Bankruptcy Judge approves of the new home purchase, the Georgia mortgage lender will approve financing after a chapter 13 bankruptcy.

Chapter 7 Bankruptcy – You may apply for a VA mortgage loan TWO (2) years after a Georgia chapter 7 Bankruptcy.
Foreclosure / Deed in Lieu – You may apply for a VA mortgage loan TWO (2) years after a Georgia foreclosure.
Short Sale – VA does not recognize a short sale as a derogatory event however most Georgia mortgage lenders do. Most lenders will require a full 2 years after the deed was transferred out of your name and you re establish credit.
Credit must be re-established with a minimum 550 credit score
Application Date must be after the above waiting period to be eligible for VA mortgage after hardship.

Georgia VA Mortgage Lenders Require A minimum 550 credit score.

Foreclosure – You may apply for a USDA rural loan THREE (3) years after a Georgia Foreclosure.
Bankruptcy – You may apply for a USDA rural loan THREE (3) years after the discharge of a Chapter 7 or 13 Georgia Bankruptcy.
Short Sale / Deed in Lieu of Foreclosure – Georgia mortgage lenders require 3 years after a Georgia foreclosure.

Georgia USDA Lenders Require A minimum 550 credit score.

Foreclosure – You may apply for a Georgia Conventional mortgage, Fannie Mae loan (7) SEVEN years after the sale date of your Georgia foreclosure.
Bankruptcy – You may apply for a Conventional, Fannie Mae loan after your Chapter 7 bankruptcy has been discharged for FOUR (4) years, TWO (2) years from the discharge of a Chapter 13
Short Sale / Deed in Lieu of Foreclosure –Waiting period for Georgia foreclosure that was included in Bankruptcy If mortgage is included in Bankruptcy, waiting period defaults to FOUR (4) from the discharge date. Georgia Short Sale or Deed in Lieu of Georgia Foreclosure not included in a Bankruptcy has a new Waiting Period of FOUR (4) years from date your name is removed from title. This replaces the ability to buy in 24 months with 20% down payment and minimum 680 credit score.

Georgia Conventional Lenders Require A minimum 620 credit score.