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Texas Mortgage 1 Day After Bankruptcy Or Foreclosure

Texas Mortgage Lenders After Bankruptcy – Foreclosure – Short Sale

PORTFOLIO- PRIVATE TEXAS MORTGAGE LENDER APPROVALS!

  • Purchase 1 day after bankruptcy, foreclosure, short sale and deed in lieu of Texas foreclosure up to 2.5 million.  These are not subprime loans, but they do often have higher interest rates, and higher closing costs.
  • Texas Portfolio mortgage lender offer private Texas mortgage loan approvals are looking at other compensating factors to approve these loans. Examples include: 12 months timely rental history, high credit scores, lower loan to value (larger down payments), and reserves (future Texas mortgage payments in the account at closing).

A minimum 500 credit score For Texas Portfolio Mortgage Lenders Programs!!

BAD CREDIT FHA MORTGAGE LENDERS APPROVALS WITH MINIMAL DOWN PAYMENT AND CLOSING FEES:

  • Down payment only 3.5% of the purchase price.
  • Gifts from family or FHA Grants for down payment assistance and closing costs OK!
  • Sellers can credit the buyer’s up to 6% of sales price towards buyers costs and pre-paid.
  • No reserves or future payments in account required.
  • FHA regulated closing costs.
  • Read more about buying a home with an FHA mortgage Bad Credit –No Credit – Investment –Second Home –Multi Family – 

BAD CREDIT FHA MORTGAGE LENDERS MAKE QUALIFYING EASIER BECAUSE YOU CAN PURCHASE:

  • 12 months after a chapter 13 Bankruptcy FHA mortgage Lender approvals!
  • 24 months after a chapter 7 Bankruptcy FHA mortgage Lender approvals!
  • 3 years after a Foreclosure FHA mortgage Lender approvals!
  • No Credit Score FHA mortgage Lender approvals!
  • 580 required for 96.5% financing or 3.5% down payment FHA mortgage Lender approvals.
  • 500 required for 90% financing or 10% down payment FHA mortgage Lender approvals.
  • Bad Credit with minimum 500 FICO credit score with 10% Down Payment FHA. For FHA mortgage applicants with credit scores between 500 and 579 must make down payments of at least 10% down!
  • Read more about FHA Qualifying Qualification Summary – Manual Underwrite – Collections-Judgement’s – Bankruptcy or Foreclosure – Compensating Factors –

BAD CREDIT FHA MORTGAGE LENDERS ALLOW HIGHER DEBT TO INCOME & EASIER JOB QUALIFYING

SAME DAY GEORGIA PRE-APPROVALS!

FHA- FHA MORTGAGE AFTER TEXAS BANKRUPTCY APPROVALS!

  • Chapter 13 Bankruptcy- You may apply for a FHA mortgage after your bankruptcy has been discharged for 12 Months or  (1) year with a Chapter 13 Bankruptcy. You must have 0 x 30 day late payments, and permission from the chapter 13 trustee.
  • Chapter 7 Bankruptcy- You may apply for a FHA mortgage after your bankruptcy has been discharged for TWO (2) years with a Chapter 7 Bankruptcy.  You may apply for a FHA insured loan after your bankruptcy has been discharged for ONE (1) year with a Chapter 13 Bankruptcy
  • Foreclosure – You may apply for a FHA insured loan THREE (3) years after the Texas Foreclosure sale/deed transfer date. You may have to search county records office to locate the deed in order to count a full 3 years. 
  • Short Sale / Deed in Lieu – You may apply for a FHA insured loan THREE (3) years after the sale date of your foreclosure. FHA treats a short sale the same as a Foreclosure for now.You may have to search county records office to locate the deed in order to count a full 3 years. 
  • Credit must be re-established no late payments in past 12-24 months, depending on hardship
  • Application Date must be after the above waiting period to be eligible for FHA financing after hardship.You may have to search county records office to locate the deed transfer out of your name fin order to count a full 3 years. 

Texas FHA Mortgage Lenders Require A minimum 580 credit score.

VA- TEXAS MORTGAGE LENDERS APPROVALS!

  • Chapter 13 Bankruptcy – Once you have finished making all payments satisfactorily, the Texas mortgage lender may conclude that you have reestablished satisfactory credit.
  • If you have made at least 12 months of timely  payments and the Trustee or the Texas Bankruptcy Judge approves of the new home purchase, the Texas mortgage lender will approve financing after a chapter 13 bankruptcy.
  • Chapter 7 Bankruptcy – You may apply for a VA mortgage loan TWO (2) years after a Texas chapter 7 Bankruptcy.
  • Foreclosure / Deed in Lieu – You may apply for a VA mortgage loan TWO (2) years after a Texas  foreclosure.
  • Short Sale – VA does not recognize a short sale as a derogatory event however most Texas mortgage lenders do. Most lenders will require a full 2 years after the deed was transferred out of your name and you re establish credit.
  • Credit must be re-established with a minimum 550 credit score
  • Application Date must be after the above waiting period to be eligible for VA mortgage after hardship.

Texas VA Mortgage Lenders Require A minimum 550 credit score.

USDA-  GEORGIA  MORTGAGE APPROVALS!

  • Foreclosure – You may apply for a USDA rural loan THREE (3) years after a Texas Foreclosure.
  • Bankruptcy – You may apply for a USDA rural loan THREE (3) years after the discharge of a Chapter 7 or 13 Texas Bankruptcy.
  • Short Sale / Deed in Lieu of Foreclosure – Texas  mortgage lenders require 3 years after a Georgia  foreclosure.

Georgia  USDA Lenders Require A minimum 550 credit score.

CONVENTIONAL– TEXAS MORTGAGE APPROVALS!

  • Foreclosure – You may apply for a Texas Conventional mortgage, Fannie Mae loan (7) SEVEN years after the sale date of your Texas foreclosure.
  • Bankruptcy – You may apply for a Conventional, Fannie Mae loan after your Chapter 7 bankruptcy has been discharged for FOUR (4) years, TWO (2) years from the discharge of a Chapter 13
  • Short Sale / Deed in Lieu of Foreclosure –Waiting period for Texas  foreclosure that was included in Bankruptcy If mortgage is included in Bankruptcy, waiting period defaults to FOUR (4) from the discharge date. Texas Short Sale or Deed in Lieu of Texas Foreclosure not included in a Bankruptcy has a new Waiting Period of FOUR (4) years from date your name is removed from title.  This replaces the ability to buy in 24 months with 20% down payment and minimum 680 credit score.

Texas Conventional Lenders Require A minimum 620 credit score.

ZipCode City Population Growth Age Income per household
79936 El Paso TX FHA VA  Mortgage Lenders
77084 Houston TX FHA VA  Mortgage Lenders
78521 Brownsville TX FHA VA  Mortgage Lenders
77449 Katy TX FHA VA  Mortgage Lenders
78572 Mission TX FHA VA  Mortgage Lenders
75052 Grand Prairie FHA VA  Mortgage Lenders
78577 Pharr TX FHA VA  Mortgage Lenders
75217 Dallas TX FHA VA  Mortgage Lenders
75070 Mckinney TX FHA VA  Mortgage Lenders
77036 Houston TX FHA VA  Mortgage Lenders
79912 El Paso TX FHA VA  Mortgage Lenders
77479 Sugar Land TX FHA VA  Mortgage Lenders
77429 Cypress TX FHA VA  Mortgage Lenders
77584 Pearland TX FHA VA  Mortgage Lenders
77573 League City TX FHA VA  Mortgage Lenders
75211 Dallas TX FHA VA  Mortgage Lenders
77083 Houston TX FHA VA  Mortgage Lenders

78745 Austin TX 59,179 6% 33.10 $43,458.00
78753 Austin TX 54,726 9% 29.20 $38,206.00
78741 Austin TX 50,174 10% 25.30 $25,369.00
78758 Austin TX 48,268 8% 29.60 $42,398.00
78744 Austin TX 46,343 7% 26.90 $38,256.00
78748 Austin TX 43,809 7% 32.50 $57,710.00
78704 Austin TX 43,145 2% 31.80 $35,733.00
78759 Austin TX 41,862 7% 37.40 $61,284.00
78749 Austin TX 34,647 0% 35.30 $68,244.00
78723 Austin TX 31,012 8% 31.70 $34,242.00
78729 Austin TX 28,242 4% 32.80 $59,497.00
78746 Austin TX 28,123 4% 41.10 $100,571.00
78750 Austin TX 26,766 0% 39.10 $78,428.00
78727 Austin TX 26,763 0% 33.60 $62,648.00
78731 Austin TX 26,312 6% 39.20 $62,404.00
78717 Austin TX 25,270 10% 33.50 $87,290.00
78724 Austin TX 22,586 3% 26.80 $36,641.00
78702 Austin TX 22,420 4% 32.00 $23,348.00
78703 Austin TX 21,686 9% 35.50 $54,591.00
78752 Austin TX 21,517 16% 28.90 $30,207.00
78757 Austin TX 21,407 0% 37.00 $45,090.00
78705 Austin TX 21,344 -46% 21.10 $14,740.00
78728 Austin TX 21,224 4% 31.10 $51,078.00
78734 Austin TX 19,606 9% 43.70 $74,052.00
78739 Austin TX 17,397 3% 37.00 $102,707.00
78754 Austin TX 16,909 11% 30.50 $51,810.00
78735 Austin TX 16,647 3% 37.20 $75,204.00
78732 Austin TX 16,286 13% 35.30 $103,951.00
78747 Austin TX 15,778 6% 31.40 $60,861.00
78751 Austin TX 14,946 3% 28.00 $29,779.00
78738 Austin TX 14,617 16% 39.90 $102,295.00
78726 Austin TX 13,631 3% 31.50 $89,891.00
78737 Austin TX 13,376 9% 41.20 $87,029.00
78721 Austin TX 12,208 6% 30.60 $26,646.00
78733 Austin TX 9,274 5% 39.70 $102,239.00
78730 Austin TX 8,553 6% 38.70 $128,524.00
78736 Austin TX 8,239 15% 42.20 $62,294.00
78756 Austin TX 7,656 6% 35.90 $36,978.00
78725 Austin TX 6,716 9% 29.50 $47,076.00
78701 Austin TX 6,621 -3% 34.80 $35,757.00
78722 Austin TX 6,014 1% 32.50 $35,794.00
78719 Austin TX 1,887 6% 31.70 $36,480.00
78742 Austin TX 871 5% 31.10 $28,281.00
78710 Austin TX 0% 0.00 $0.00
78712 Austin TX 0% 19.50 $0.00
78799 Austin TX 0% 0.00 $0.00
78245 San Antonio TX 62,514 9% 28.80 $45,410.00
78228 San Antonio TX 59,666 1% 32.80 $30,852.00
78250 San Antonio TX 55,924 1% 32.70 $55,558.00
78240 San Antonio TX 55,535 7% 31.50 $39,627.00
78223 San Antonio TX 53,229 4% 32.20 $30,145.00
78251 San Antonio TX 52,661 6% 30.30 $46,290.00
78249 San Antonio TX 51,224 2% 28.20 $58,101.00
78247 San Antonio TX 50,704 3% 35.40 $59,537.00
78207 San Antonio TX 49,654 -11% 30.10 $20,117.00
78227 San Antonio TX 49,128 6% 29.50 $30,222.00
78254 San Antonio TX 46,563 3% 30.90 $76,116.00
78258 San Antonio TX 46,376 12% 35.60 $91,509.00
78233 San Antonio TX 46,142 5% 34.60 $45,575.00
78201 San Antonio TX 44,428 -1% 35.60 $26,725.00
78213 San Antonio TX 43,667 7% 34.10 $36,250.00
78230 San Antonio TX 42,196 7% 36.40 $49,410.00
78216 San Antonio TX 42,189 4% 34.40 $35,324.00
78209 San Antonio TX 40,416 3% 41.30 $46,417.00
78210 San Antonio TX 37,846 2% 33.70 $26,522.00
78237 San Antonio TX 37,607 1% 31.30 $23,893.00
78221 San Antonio TX 36,986 2% 33.10 $29,330.00
78232 San Antonio TX 36,694 4% 41.10 $64,301.00
78253 San Antonio TX 36,004 19% 32.40 $60,524.00
78217 San Antonio TX 34,430 6% 34.60 $40,967.00
78218 San Antonio TX 33,183 3% 33.90 $32,952.00
78242 San Antonio TX 32,762 4% 27.00 $27,556.00
78211 San Antonio TX 31,973 0% 31.20 $25,391.00
78229 San Antonio TX 31,052 7% 29.60 $30,675.00
78244 San Antonio TX 30,762 0% 30.20 $46,067.00
78239 San Antonio TX 30,128 4% 38.00 $46,376.00
78260 San Antonio TX 27,823 10% 36.10 $71,250.00
78212 San Antonio TX 26,550 -7% 36.90 $30,299.00
78238 San Antonio TX 24,852 5% 32.30 $36,869.00
78214 San Antonio TX 23,939 2% 32.80 $24,761.00
78259 San Antonio TX 23,050 1% 36.30 $87,420.00
78222 San Antonio TX 19,937 2% 33.60 $35,237.00
78224 San Antonio TX 17,810 1% 29.70 $32,244.00
78220 San Antonio TX 17,463 8% 38.10 $26,920.00
78261 San Antonio TX 16,280 16% 32.60 $92,154.00
78219 San Antonio TX 15,901 4% 32.30 $33,103.00
78248 San Antonio TX 14,292 4% 43.20 $90,014.00
78225 San Antonio TX 13,331 2% 36.30 $25,508.00
78264 San Antonio TX 12,068 -2% 33.70 $32,296.00
78255 San Antonio TX 11,993 9% 37.00 $87,621.00
78202 San Antonio TX 11,918 1% 31.30 $18,304.00
78204 San Antonio TX 10,955 -1% 35.90 $24,153.00
78231 San Antonio TX 8,458 6% 43.20 $67,409.00
78256 San Antonio TX 7,715 11% 27.20 $49,659.00
78226 San Antonio TX 7,254 8% 32.70 $27,182.00
78203 San Antonio TX 6,828 10% 29.80 $20,357.00
78252 San Antonio TX 6,530 -12% 30.40 $30,137.00
78266 San Antonio TX 6,181 9% 47.00 $81,295.00
78257 San Antonio TX 5,479 27% 42.00 $88,852.00
78263 San Antonio TX 4,344 -7% 43.80 $51,496.00
78208 San Antonio TX 3,688 -1% 35.60 $18,137.00
78234 San Antonio TX 3,481 -104% 22.70 $45,185.00
78205 San Antonio TX 1,133 -28% 52.30 $14,578.00
78215 San Antonio TX 1,031 -11% 40.40 $25,161.00
78235 San Antonio TX 377 5% 22.50 $48,214.00
78206 San Antonio TX 3 100% 0.00 $0.00
78241 San Antonio TX 0% 0.00 $0.00
78243 San Antonio TX 0% 23.00 $0.00
78284 San Antonio TX 0% 0.00 $0.00
78285 San Antonio TX 0% 0.00 $0.00
Codes in Texas
73301 73344 78701 78702 78703
78704 78705 78708 78709 78710
78711 78712 78713 78714 78715
78716 78717 78718 78719 78720
78721 78722 78723 78724 78725
78726 78727 78728 78729 78730
78731 78732 78733 78734 78735
78736 78737 78738 78739 78741
78742 78744 78745 78746 78747
78748 78749 78750 78751 78752
78753 78754 78755 78756 78757
78758 78759 78760 78761 78762
78763 78764 78765 78766 78767
78768 78769 78772 78773 78774
78778 78779 78780 78781 78783
78785 78789 78799
Zip Codes in Numbers
All Zip Codes in Austin TX
Most Populated Zip Codes in Austin TX
Least Populated Zip Codes in Austin TX
Growing Zip Codes in Austin TX
Declining Zip Codes in Austin TX
Younger Crowd Zip Codes in Austin TX
Older Crowd Zip Codes in Austin TX
Highest Income Zip Codes in Austin TX
Lowest Income Zip Codes in Austin TX

About Us

We are US Mortgage Lenders. Major real estate brokerages regularly entrust their clients to our team due to our reputation for transparency, delivering on time, customer satisfaction and loyalty. With five-star customer reviews on Zillow.com and counting, you’re assured of having the backing of an experienced team.

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