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  2. Chapter 13, Title 11, United States Code - Wikipedia

    en.wikipedia.org/wiki/Chapter_13,_Title_11...

    The disadvantage of filing for personal bankruptcy is that, under the Fair Credit Reporting Act, a record of this stays on the individual's credit report for up to 7 years (up to 10 years for Chapter 7); [5] still, it is possible to obtain new debt or credit (cards, auto, or consumer loans) after only 12–24 months, and a new FHA mortgage loan just 25 months after discharge, and Fannie Mae ...

  3. Getting a mortgage after bankruptcy: What you need to know - AOL

    www.aol.com/finance/getting-mortgage-bankruptcy...

    Depending on whether you filed Chapter 7 or Chapter 13, it'll take two or four years to qualify for a conventional mortgage, one or two years for FHA or VA loans, and one or three years for USDA loan.

  4. Chapter 13 bankruptcy: What you need to know - AOL

    www.aol.com/finance/chapter-13-bankruptcy-know...

    Chapter 13 bankruptcy offers a way to reorganize and pay off debts over three to five years without losing essential assets like a home or car. It provides a structured repayment plan and an ...

  5. Mortgage seasoning: What is it and what are the requirements?

    www.aol.com/finance/mortgage-seasoning...

    2 years for Chapter 7 or Chapter 11; 1 year for Chapter 13; 1 year with exceptions. 3 years. VA loan. 2 years for Chapter 7 or Chapter 11; 1 year and court permission for Chapter 13. 2 years. USDA ...

  6. Streamline refinancing - Wikipedia

    en.wikipedia.org/wiki/Streamline_refinancing

    Streamline refinancing has become more popular because reuse of the original home's appraisal may be the only way someone underwater on the property can refinance it at all. [ 2 ] Streamline refinancing is an option for borrowers who want to take advantage of low interest rates, get out of an adjustable rate mortgage (ARM) or graduated payment ...

  7. When should you refinance your mortgage? - AOL

    www.aol.com/finance/when-to-refinance-mortgage...

    Home equity loans. With a home equity loan or line of credit (HELOC), you take on an additional loan or line of credit rather than replace your mortgage. If you have a stellar interest rate right ...

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