For veterans exploring a VA loan during Chapter 13 bankruptcy, the question is almost always the same: “is my benefit still usable while I’m in an active repayment plan?” For active-duty service members, veterans, and surviving spouses, the VA loan remains one of the most powerful mortgage tools available – no down payment, competitive interest […]

This article will talk about FHA and VA manual underwriting. Manual Underwriting is used when the applicable automated underwriting system won’t approve a transaction based on the data submitted. That doesn’t mean, however, that the loan is declined. In many cases, it just means that something in the credit profile needs to be reviewed more […]

Today we’re going to talk about getting an FHA loan while in active Chapter 13 bankruptcy. FHA loans overall are a great option for first time home buyers, home buyers with a limited budget for a down payment, homeowners who want to refinance with cash out, and homeowners with a current FHA loan that are […]

Can someone get a mortgage in Chapter 13 bankruptcy? In many situations, the answer is “yes.” This article will explore the ways to qualify while in active repayment and also some of the most common obstacles to qualifying for a home loan in this situation. Hi, I’m Eric Vander Werff and I specialize in helping […]