Just faced Bankruptcy?
Well that probably wasn’t any fun. I am sorry you had to go through that. I’ve known people who have, and it was no joy ride. But, if you are ready to look at the bright side now, great, there is one! You are debt free now, as far as your creditors are concerned, so you can start over! (That is good news!)
Now the question is, why would you listen to a mortgage broker’s advice about recovering from bankruptcy? Because I want you to have Freedom, Power, and Control back. I don’t want you to be at the mercy of anyone, and I want to give you the potential to save hundreds of thousands of dollars over your lifetime. I know I sound like a car commercial….but this is for your benefit, not mine.
I hope you have read my “reviews” page at least…. And if you have, you see that the one thing I love doing more than anything else is making people more powerful than they were before I met them.
As it sits, your credit most likely took a huge hit. You may have lost 200 points, maybe just over a hundred. You tell me. Whatever happened, it happened, it is in the past, and you do not have to remain stuck with it forever! TODAY is the day to start climbing out of that hole. With just a few simple changes, you can gain back everything you lost in a very short time. Yes, it won’t be tomorrow. Yes, it may cost you a little money, but you just got rid of all your debts, so, that’s good.
I do not have a set fee or price or anything. We can work it out. What’s it worth to you? What I do have is advice, and a long-term recovery picture to offer. You need to start this now, today… not next month or next year. Because if you wait and do nothing……
It will soon be four years from now and your life will seem so much better. Your finances will have recovered, you will have money in the bank; you will want to start doing things, and financing things, and maybe buy a car, or even think about buying a house. Then……………………oh crap, that’s right, your credit score is still a 534. Shoot! You still will not qualify for purchasing a house; you might be able to get a car, but you will most likely pay the dealership a rather high interest rate. Wish you had started working on this four years ago, right? That credit score could have been at least a 700 by now. Bummer.
I am really putting the hard sell on you, aren’t I? Sorry. You don’t need that right now. You just got out of BK! (Sorry, industry lingo there, BK stands for Bankruptcy in mortgage-world) I am just trying to impress upon you that all that stuff you went through needs to stay in the past. Get beyond it. Don’t carry it with you for the next 5 or 10 years. Fix it! It can be done. And then, sooner rather than later, you will call me up, (even though we’ve been talking the entire time) and say, hey Kevin I am ready to buy a house, can you pull my credit again? “Why, yes I can, hold on…..oh, look it’s a 719, Hooray!!! Let’s get you a mortgage!”
**This information was updated on 9-9-15….who knows, maybe you can get an extremely low interest rate with a 544 credit score, I am not a car dealer, so I can make no claims whatsoever about your ability to do anything…but if I were you, I would start fixing that credit so you can be perfect again**