Bankruptcy, foreclosure, or credit issues don't have to stop your homeownership dreams. Get expert guidance, use our calculators, and discover your path to mortgage approval.
Use our calculators to understand your current situation and plan your path to mortgage approval
Estimate how credit events affect your score
Enter your approximate current credit score (300-850)
Calculate your mortgage eligibility timeline
Enter the date your bankruptcy was discharged
Specialized guidance for every credit situation
Chapter 7 and Chapter 13 bankruptcy guidance with clear timelines for mortgage eligibility.
Read GuideRecover from foreclosure with our step-by-step credit rebuilding and mortgage qualification roadmap.
Understand how late payments affect your mortgage options and learn recovery strategies.
Navigate collection accounts and learn how to minimize their impact on mortgage approval.
Discover mortgage programs available for credit scores below 620 and rebuilding strategies.
Understand short sale impact on credit and your timeline to mortgage eligibility.
Use our calculators to understand your credit impact and mortgage eligibility timeline. Review your credit reports from all three bureaus.
Set realistic goals based on your target loan type and waiting periods. Establish a budget that prioritizes credit rebuilding.
Make all payments on time for at least 12-24 months. Consider secured credit cards and credit-builder loans to establish positive history.
Build your savings to meet down payment requirements. FHA loans require as little as 3.5% down, making homeownership more accessible.
Once you've met waiting periods and rebuilt credit, get pre-approved to understand your buying power and show sellers you're serious.
Work with a real estate agent familiar with credit-challenged buyers. Focus on homes within your approved price range.
Years of experience helping credit-challenged borrowers navigate complex mortgage requirements and achieve homeownership.
Access to FHA, VA, USDA, and conventional loans with lender relationships that understand credit recovery situations.
Personalized strategies to rebuild credit, improve scores, and position yourself for the best possible loan terms.
Clear roadmaps showing exactly when you'll be eligible for different loan programs and what steps to take now.
Schedule a free consultation to discuss your specific situation and create a personalized plan for mortgage approval.