Sacramento Bankruptcy: My Home Loan Rates After a Bankruptcy?

Probably you already know that you will pay higher mortgage rates in Sacramento after a bankruptcy.  Following a bankruptcy, your credit rating may not have improved as much as you wanted yet, and so you may be charged higher rates.  Still, if you have done a good job to not miss payments and to not overspend after bankruptcy, then a reasonable interest rate should be attainable for your mortgage even after bankruptcy.

After you have bought a home, the only way to reduce your interest rate is by refinancing.  Refinancing can take lots of time and costs money in fees.  If the loans you are being offered all carry high interest rates that you cannot afford, the best option is probably to wait until your credit rating has improved rather than assume you can refinance later.  After your credit has improved, you can get approved for a loan that you can afford.  Until then, you can take advantage of the rental market.  If you have more questions, we encourage you to make an appointment with one of Sagaria Law’s Sacramento attorneys to get personal advice.
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