Roseville Bankruptcy: Buying a House After Bankruptcy Step 5

As you can imagine, bankruptcy makes your credit rating take a short-term hit which can mean higher interest rates on your mortgage.  If you have paid bills on time and taken on minimal debt after your bankruptcy then eventually you will be able to get a good interest rate on your mortgage, particularly beginning two years after the bankruptcy.

Buying a house locks in your interest rate which can only be changed by refinancing.  Refinancing is expensive and time consuming.  For this reason, Sagaria recommends you wait until you are able to borrow at a reasonable interest rate rather than assuming you can refinance into a better interest rate later.  Instead wait until you get offers with good interest rates and in the meantime continue renting.  Sagaria Law in Roseville advises you to call today so that we can help you understand what options apply to your unique situation.

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