Sacramento Bankruptcy: What are the First Steps When Buying a Home After Bankruptcy?

Many of our Sacramento clients fear that a bankruptcy filing will mean they can never buy a home or other secured assets using debt.  This is a common misconception.  Actually, mortgage lenders wait an average of just 2 years before eligibility is restored.  If you stay on top of your payments and don’t take on excessive debt, you will eventually quality for a mortgage even after bankruptcy.  Though it can take time, you can shorten this time by using our proven strategies to repair your credit rating.

Repairing your credit should be your first step.  Effective budgeting means accounting for all your incomes and expenses.  Expenses should not exceed income.  Month-to-month, this is the first step to financial sustainability.  Make sure to check your credit reports for accuracy.  The big three credit firms will provide a one copy of your credit report for free annually and will also provide additional copies of your credit report for a fee.  There are also several vendors which offer a “Post Discharge Dispute of Consumer Liability Report.”  This tool can help you analyze your credit report for inaccuracies following bankruptcy.  Sagaria Law’s Sacramento attorneys can help you take the right first steps to repair your credit and prepare you for life after bankruptcy.

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