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Understanding Bankruptcy Mortgage
Bankruptcy is a significant financial event, but it does not have to define your future. With the right understanding of the mortgage qualification process after bankruptcy, you can start working towards your goal of homeownership. The key is to understand the waiting periods associated with different loan programs and to use this time to rebuild your credit and financial profile. FHA loans, for example, have a 2-year waiting period after a Chapter 7 discharge, while VA loans have a similar 2-year wait. Non-QM loans may offer shorter waiting periods with compensating factors.
You are not alone in this journey, and with the right guidance, you can overcome the challenges of bankruptcy and achieve homeownership.
How NMHL Helps
Proven solutions for bankruptcy mortgage
Personalized Consultation
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Flexible Loan Programs
Access programs designed for borrowers in your exact situation — FHA, VA, conventional, and more.
Guided Process
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Your Path to Homeownership
Free Consultation
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Explore Options
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Pre-Approval
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Close with Confidence
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Success Stories
“NMHL made our first home purchase incredibly smooth. The team guided us through every step and found us a rate we couldn't believe.”
“After being denied by two other lenders, NMHL found a solution for my self-employed income. Bank statement loan closed in 25 days.”
“The VA loan process was seamless. Zero down payment and the best rate I found anywhere. Thank you NMHL!”
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