Twice Baked Potatoes

Twice Baked Potatoes are one of my family’s favorite side dishes. A baked potato shell is stuffed with light fluffy mashed potatoes, cheese, and of course – bacon!

Twice Delicious, Twice Baked Potatoes
I love Baked Potatoes topped with all the toppings, sour cream, bacon and cheese… so naturally I love these stuffed baked potatoes too!

Twice Baked Potatoes are as easy to make as they are yummy! Potatoes are the ultimate comfort food whether they’re baked, fried or made into delicious mashed potato cakes. They’re the perfect addition to a delicious Slow Cooker Corn Chowder and the star of the dish in Au Gratin Potatoes!

sources:spendwithpennies.com

Our goal is to guide you in making the right decision for your current financial situation. Chapter 13 Guru wants to be able to connect you with the best bankruptcy mortgage lenders in the Country. Chapter 13 & Chapter 7 bankruptcy plans provide two different avenues for debt relief, and we want to connect you with the right bankruptcy mortgage lenders who understand the common hurdles that come along with getting a mortgage after bankruptcy.

Purchasing a home or refinancing an existing mortgage after Chapter 13 bankruptcy is a goal for the majority of our clients, and we want to be the best online resource that can help achieve your goals of home ownership.

bankruptcy mortgage lenders

Why Are We The Best?
Our Company Mission
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Mortgage Companies That Deal with Bankruptcies
Below are a few of the best companies that deal with bankruptcies, who offer opportunities to get a new mortgage or refinance an existing mortgage as soon as 12 months into a bankruptcy plan with trustee approval. Some bankruptcy mortgage providers can even offer a home loan as soon as 1 day after your bankruptcy discharge date. These bankruptcy mortgage lenders offer options for both new home purchases, and refinance programs.

Citadel Servicing

Angel Oak Mortgage Solutions

Prime Equity Mortgage

ACC Mortgage

First National Bank of America

Green Box Loans

Waiting Periods for Traditional Mortgage Loans
Here are some of the rules and their corresponding waiting periods for traditional mortgages. You can see examples such as conventional loans, FHA loans, and USDA loans. The majority of bankruptcy mortgage lenders will be able to offer these loans, but it is important to see what the different waiting or “seasoning” periods are before you can get a mortgage after your Chapter 13 discharge.

Conventional Loan After Bankruptcy
Fannie Mae previously required that a borrower wait at least 4 years after their bankruptcy discharge, before they would be eligible to apply for a conventional loan. Some great news, is in 2018, this waiting period has been reduced to only 2 years. You will likely need to rebuild your credit, but fortunately you may be able to get a conventional loan only just 24 months after your bankruptcy is discharged.

FHA Loan After Bankruptcy
FHA rules state that you must wait at least 2 years after filing a Chapter 7 bankruptcy. Some banks may require a longer time to pass, but many FHA lenders will approve an application only after 2 years. For a chapter 13, you only need to wait until you have successfully made 12 months of payments. Additionally, you will need to provide the court trustee’s written approval. Also, keep in mind that the clock doesn’t start upon filing, but rather once the bankruptcy has been discharged.

USDA Loan After Bankruptcy
The USDA rules are similar to the FHA. You will need to wait at least 2 years after filing a chapter 7 bankruptcy. For a chapter 13 bankruptcy, you may be eligible after making 1 years worth of payments on time.

As you can see, there are different rules related to waiting periods for various types of mortgage programs. If you have had a recent bankruptcy, we recommend contacting us and letting us know a little bit about your situation, and we will do our best to connect you with a lender that may be able to help you.

What to Look for When Comparing Bankruptcy Mortgage Lenders
What does their loan process look like?
It is important to determine if a bankruptcy mortgage lender will provide a free initial consultation before beginning the loan process. It is important that you are able to share your positive steps about getting towards financial health with your mortgage lender. This upfront consultation should also give you an idea about the level of customer service that the company will have to offer. A detailed consultation also can limit the possibility for issues during the loan process.

Are they being upfront with what they can offer?
Some bankruptcy mortgage lenders will try and attract customers with an extremely low interest rate. While this number looks good on paper sometimes a lender will not be able to deliver on their upfront advertised interest rate. Some home loan companies lure you in with a low interest rate only to add more fees or request a higher down payment amount. It is important that you understand that a lender who provides you with the lowest interest rate, may not be the top company for you to partner with.

What do their previous clients have to say about them?
It is important to understand that no bankruptcy mortgage lender will have a perfect online rating from their clients, however online reviews can offer an in depth preview as to what a company’s loan process looks like. When looking at online reviews of a bankruptcy mortgage lender, make sure you take note about customers who mention aspects like customer service, and availability of their loan officer. A great bankruptcy mortgage lender will provide meticulous customer service during your loan process in order to ensure the process goes smoothly for you. Some companies that advertise a low interest rate can fall short in areas such as customer service.

Author: Julianne M. Carter

Cyclist, nature enthusiast, guitarist, vintage furniture lover and TDC honorary member. Operating at the intersection of design and sustainability to develop visual solutions that inform and persuade. Concept is the foundation of everything else.

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