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FHA is a little more forgiving when it comes to a person's credit history. If you're gone through a Chapter 7 bankruptcy (either you or your spouse/partner), the discharge date of the bankruptcy need to have been at least 2 years ago. This 2 year period is marked from the DISCHARGE date and not from the FILING date of bankruptcy. And if you've satisfied that part, you also must have good solid credit that you've re-established, as well as a steady stable job.
FHA will also give consideration to borrowers who have filed a Chapter 13 Bankruptcy and are still paying down the debt on that. The payments have to have been made on time for at least a year, with verification of that as well. You'll have to fully explain the bankruptcy with your application, and you'll also need to obtain the court trustee's written approval for your FHA mortgage loan. And as would make sense, you must have a good steady work record and good credit that you've re-established, as well as qualifying based on your income.
Late payments on your credit history won't necessarily rule you out for FHA mortgages as they may on other mortgages. Your overall credit history will be reviewed during the underwriting process, and if you have a late payment or two, as long as your overall payment pattern shows those to be isolated incidents, you may be approved for your loan, as long as all over conditions are satisfactory for their mortgage guidelines.
If you've been foreclosed on, or turned in your keys on a deed-in-lieu of foreclosure situation, during the last 3 years, FHA mortgages likely won't be feasible for you. FHA does make periodic exceptions if your primary residence was foreclosed on due to extenuating circumstances. These would be reviewed on a case-by-case basis.
To read in more detail how FHA mortgages work and more detailed information, be sure to check out the FHA Facts. You'll see that these mortgages can be a terrific option for you, and now with these increased limits, basically every town around Portsmouth is opened up to those looking to use FHA mortgages.
If you're looking to buy a home or condo or multi-family in the Portsmouth NH area, and have not connected with a lender or a loan officer yet, I'd be happy to provide you with some highly qualified lenders here in this area that will work hard to help you find the right mortgage program for you.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.