San Jose Bankruptcy: Buying a House After BK

A popular myth that many of our San Jose clients have is that after bankruptcy, a debtor will never be able to buy or home or any other secured assets.  This is simply not true.  The average waiting period from mortgage lenders after bankruptcy is 2 years. As long as you stay on top of all your payments and do not over extend yourself, you will eventually be able to get a mortgage approved after bankruptcy. It can take some time, but there are strategies you can use to accelerate your credit repair and get a mortgage approved sooner.

The first thing to do is to repair your credit. Start by making your own concise budget, making sure you account for every expense. This will ensure that your expenses are not greater than your income. This is the first step towards a good repayment track. Secondly, you will have to go over your credit report and check it for accuracy. Some companies offer a “Post Discharge Dispute of Consumer Liability Report”. This is a very good tool to help you check your credit report for accuracy after bankruptcy.  For more information about getting started with your bankruptcy, call a knowledgeable San Jose attorney at Sagaria Law.

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