Buying a home after a short sale

Page 1

Buying After a Short Sale

Tips to Help You Get Back in the Real Estate Market

LEARN HOW TO: ‡ ‡ ‡ ‡ ‡

'HWHUPLQH \RXU ³*5((1 /,*+7´ GDWH 8QGHUVWDQG WKH EDVLF DQDWRP\ RI \RXU FUHGLW VFRUH 2SWLPL]H \RXU FUHGLW UDWLQJ DQG FUHGLW KLVWRU\ 0DQDJH \RXU ELOOV DQG OLYLQJ H[SHQVHV HIIHFWLYHO\ (QVXUH WKDW LQFRPH DQG DVVHWV DUH HIIHFWLYHO\ GRFXPHQWHG

Table of Contents 1. 2. 3. 4. 5. 6. 7. 8.

/LIH $IWHU $ 6KRUW 6DOH ± 'H¿QLQJ <RXU *5((1 /,*+7 GDWH :KHQ &DQ , %X\ $ +RPH $IWHU $« ± &ODULI\LQJ \RXU *5((1 /,*+7 3RVW 6KRUW 6DOH 6WUDWHJLHV , ± &UHGLW WUDGH OLQH WLSV 3RVW 6KRUW 6DOH 6WUDWHJLHV ,, ± $OWHUQDWLYH FUHGLW KRXVLQJ H[SHQVH DQG LQFRPH DVVHW WLSV :DWFK <RXU &UHGLW &UHGLW ± +RZ 'RHV ,W :RUN ± /HDUQ DERXW WKH EDVLF DQDWRP\ RI \RXU FUHGLW VFRUH $ERXW 7KH +286( 7HDP ± $Q LQWURGXFWLRQ WR -HUHP\ +RXVH DQG KLV WHDP &UHGLW 0RQLWRULQJ (QUROOPHQW )RUP

Buying After A Short Sale

Life After A Short Sale ,I \RX DUH FRQVLGHULQJ RU KDYH UHFHQWO\ FRPSOHWHG D 6KRUW 6DOH \RX DUH PRVW OLNHO\ ZRQGHULQJ ³KRZ VRRQ FDQ , EX\ DJDLQ"´ 7KLV SDFNDJH LV 127 GHVLJQHG WR RIIHU \RX OHJDO DGYLFH DERXW WKH H[HFXWLRQ DQG FRPSOHWLRQ RI D VKRUW VDOH 2XU JRDO LV WR KHOS SUHSDUH \RX WR SXUFKDVH \RXU QH[W KRPH $IWHU D 6KRUW 6DOH \RX PD\ EH GHDOLQJ ZLWK GLIIHUHQW LVVXHV UHODWLYH WR \RXU FUHGLW \RXU LQFRPH DVVHWV DQG \RXU IXWXUH OLYLQJ DUUDQJHPHQWV 7KH IROORZLQJ GRFXPHQWV ZLOO DLGH \RX LQ FUHDWLQJ D URDG PDS WKDW ZLOO KHOS OHDG \RX EDFN WR KRPH RZQHUVKLS

Determine Your GREEN LIGHT Date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

Different Strokes for Different Folks (DFK ORDQ W\SH &RQYHQWLRQDO )+$ 9$ 86'$ DQG -XPER KDV GLIIHUHQW UXOHV DQG WLPHIUDPHV ZKHQ LW FRPHV WR EX\LQJ DIWHU D 6KRUW 6DOH <RXU *5((1 /,*+7 GDWH ZLOO EH GLIIHUHQW GHSHQGLQJ RQ \RXU FLUFXPVWDQFH DQG ZKDW W\SH RI ¿QDQFLQJ \RX LQWHQG WR XVH WR SXUFKDVH \RXU QH[W KRPH 7KH IROORZLQJ GRFXPHQW HQWLWOHG ³:KHQ &DQ , %X\ $IWHU $«"´ ZLOO KHOS \RX GHWHUPLQH \RXU *5((1 /,*+7 GDWH

Jeremy House, Loan Officer, CMPS

602.433.2149

MKRXVH#SULPHOHQGLQJ FRP _ ZZZ -HUHP\+RXVH FRP _ 10/6 6 5XUDO 5G 6XLWH $ ‡ 7HPSH $=

Buying After A Short Sale

WHEN CAN I BUY A HOME AFTER (Short Sale, Bankruptcy and Foreclosure) FHA

VA Loan

Conv. Loan

USDA Loan

Short Sale

0RQWKV LI %RUURZHU 0HHWV +8' *XLGHOLQHV

Foreclosure

<HDUV IURP 'DWH RI &RPSOHWLRQ

0RQWKV ± ,I 6KRUW 6DOH <HDUV IURP 'DWH ZDV QRW RQ D 9$ ORDQ RI &RPSOHWLRQ Z H[WHQXDWLRQ FLUFXPVWDQFHV <HDUV )URP 'DWH RI <HDUV IURP 'DWH RI &RPSOHWLRQ &RPSOHWLRQ

<HDUV IURP 'DWH RI &RPSOHWLRQ Z H[WHQXDWLRQ FLUFXPVWDQFHV <HDUV IURP 'DWH RI 'LVFKDUJH

Chapter 7 Bankruptcy

<HDUV IURP 'DWH RI 'LVFKDUJH

<HDUV IURP 'DWH RI 'LVFKDUJH

<HDUV IURP 'DWH RI 'LVFKDUJH

<HDUV IURP 'DWH RI 'LVFKDUJH

Chapter 13 Bankruptcy

<HDU RI 3D\RXW 3KDVH KDV SDVVHG

<HDU RI 3D\RXW 3KDVH KDV SDVVHG

<HDUV IURP 'DWH RI 'LVFKDUJH <HDUV IURP 'DWH RI 'LVPLVVDO

<HDUV IURP 'DWH RI 'LVFKDUJH

+8' JXLGHOLQHV LQFOXGH EXW DUH QRW OLPLWHG WR WKH IROORZLQJ D %X\HU PXVW QRW KDYH EHHQ ODWH RQ WKHLU PRUWJDJH RU DQ\ RWKHU GHEW WKDW UHSRUWV WR WKH FUHGLW EXUHDXV IRU D SHULRG RI WZHOYH PRQWKV SULRU WR WKHLU 6KRUW 6DOH &RPSOHWLRQ 'DWH E %X\HU PXVW SXUFKDVH D QHZ KRPH DW OHDVW PLOHV DZD\ IURP WKH KRPH WKDW ZDV VROG WKURXJK D 6KRUW Sale

3D\RXW KLVWRU\ GXULQJ &K 3D\RXW SKDVH PXVW EH VDWLVIDFWRU\

DOO 7KH JXLGHOLQHV FRQWDLQHG LQ WKLV GRFXPHQW DUH VXEMHFW WR FKDQJH ZLWKRXW QRWLFH ± 'RFXPHQW FUHDWHG

Jeremy House, Loan Officer, CMPS

602.433.2149

MKRXVH#SULPHOHQGLQJ FRP _ ZZZ -HUHP\+RXVH FRP _ 10/6 6 5XUDO 5G 6XLWH $ ‡ 7HPSH $=

Buying After A Short Sale

POST SHORT SALE - STRATEGIES (I) Tips to Help You Get Pre-Approved Again! CREDIT/TRADELINE REQUIREMENTS 0DNH VXUH WKDW \RX KDYH DW OHDVW RSHQ WUDGH OLQHV RU DFFRXQWV WKDW DUH FXUUHQWO\ DQG DFWLYHO\ UHSRUWLQJ RQ \RXU FUHGLW UHSRUW ‡ ‡ ‡ ‡

&UHGLW &DUGV 6WXGHQW /RDQV $XWR /RDQV 2WKHU ,QVWDOOPHQW /RDQV

7KHVH WUDGH OLQHV PXVW EH \RXU 2:1 DFFRXQWV DQG 127 DFFRXQWV ZKHUH \RX ZHUH DGGHG DV DQ ³DXWKRUL]HG XVHU ´ 0DNH VXUH WKDW WKHVH DFFRXQWV VKRZ RQ WLPH SD\PHQWV HDFK DQG HYHU\ PRQWK XQWLO \RX SXUFKDVH DJDLQ ,I \RX KDYH FUHGLW FDUGV WU\ WR NHHS WKH EDODQFHV DV ORZ DV SRVVLEOH ZKLOH PDNH SD\PHQWV RQ PRQWKO\ &ORVLQJ WKH $FFRXQWV PD\ ORZHU \RXU VFRUH

ALTERNATIVE CREDIT (if you won’t have 3 trade lines over the next few years) ,I \RX FDQQRW REWDLQ DW OHDVW WUDGH OLQHV DV PHQWLRQHG LQ WKH DERYH VHFWLRQ \RX ZLOO ZDQW WR PDNH VXUH WKDW \RX ZLOO EH LQ D SRVLWLRQ WR KDYH VXI¿FLHQW ³DOWHUQDWLYH FUHGLW ´ 7KH ¿UVW DOWHUQDWLYH WUDGH OLQH ZLOO QHHG WR EH \RXU 5HQW +LVWRU\ VHH QH[W SDJH <RXU DGGLWLRQDO DOWHUQDWLYH WUDGH OLQHV FDQ EH HVWDEOLVKHG IURP DQ\ DFFRXQW WKDW \RX PDNH PRQWKO\ SD\PHQWV RQ PRQWKO\ VXFK DV D XWLOLW\ ELOO FDU LQVXUDQFH FHOO SKRQH HWF« ,I \RX DUH QRW SUHVHQWO\ RQ HQRXJK RI WKHVH W\SHV RI DFFRXQWV WU\ WR DGG \RXUVHOI WR DW OHDVW WZR PRQWKV EHIRUH \RXU *5((1 /,*+7 GDWH Jeremy House, Loan Officer, CMPS

602.433.2149

MKRXVH#SULPHOHQGLQJ FRP _ ZZZ -HUHP\+RXVH FRP _ 10/6 6 5XUDO 5G 6XLWH $ ‡ 7HPSH $=

Buying After A Short Sale

POST SHORT SALE - STRATEGIES (II)

Tips to Help You Get Pre-Approved Again!

FUTURE HOUSING EXPENSE PAYMENTS 0DNH $// UHQW SD\PHQWV ZLWK D FKHFN WKDW LV OLQNHG WR D SHUVRQDO FKHFNLQJ DFFRXQW 7KH LQGLYLGXDO WKDW LV JRLQJ WR EH EX\LQJ D KRPH LQ WKH IXWXUH PXVW EH RQ WKH FKHFNLQJ DFFRXQW DQG WKH FKHFNV WKHPVHOYHV '2 127 SD\ \RXU UHQW ZLWK FDVK RU D PRQH\ RUGHU DQG '2 127 PDNH \RXU UHQW SD\PHQWV ODWH :KHQ \RX UH DSSO\ \RXU PRVW UHFHQW PRQWK¶V UHQW KLVWRU\ ZLOO EH FULWLFDO ,I \RX OLYH ³UHQW IUHH´ LW LV LPSHUDWLYH WKDW \RX HVWDEOLVK DFWXDO WUDGH OLQHV VHH SUHYLRXV SDJH DV DOWHUQDWLYH FUHGLW WUDGH OLQHV ZLOO QRW ZRUN ZLWKRXW D UHQW SD\PHQW KLVWRU\

INCOME/ASSETS AND EMPLOYMENT $Q\ JDSV LQ HPSOR\PHQW GXULQJ WKH \HDUV SUHFHGLQJ \RXU QHZ ORDQ DSSOLFDWLRQ ZLOO QHHG WR EH DFFRXQWHG IRU HVSHFLDOO\ JDSV JUHDWHU WKDQ PRQWKV $OO LQFRPH EHLQJ XVHG RQ WKH ¿OH IRU TXDOL¿FDWLRQ SXUSRVHV ZLOO QHHG WR EH IXOO\ GRFXPHQWHG ,I \RX GR QRW UHFHLYH D : DW WKH HQG RI WKH \HDU \RX PD\ ZDQW WR FRQWDFW XV WR GLVFXVV WKLV IXUWKHU *HQHUDOO\ VSHDNLQJ WKH PRUH PRQH\ \RX KDYH VDYHG LQ D ³OLTXLG´ DVVHW DFFRXQW WKH EHWWHU 'XULQJ WKH WLPH \RX DUH ZDLWLQJ WR EX\ DJDLQ WU\ WR HVWDEOLVK D SDWWHUQ RI URXWLQHO\ VDYLQJ PRQH\ WRZDUG \RXU QH[W KRPH SXUFKDVH LQ DFFRXQWV WKDW KDYH WKH IXWXUH EX\HU RQ WKHP

Jeremy House, Loan Officer, CMPS

602.433.2149

MKRXVH#SULPHOHQGLQJ FRP _ ZZZ -HUHP\+RXVH FRP _ 10/6 6 5XUDO 5G 6XLWH $ ‡ 7HPSH $=

Buying After A Short Sale

WATCH YOUR CREDIT LIKE A HAWK

7ZR RI WKH PRVW FULWLFDO IDFWRUV LQ JHWWLQJ DSSURYHG IRU D +RPH /RDQ DUH \RXU FUHGLW UDWLQJ DQG FUHGLW KLVWRU\ $IWHU D 6KRUW 6DOH LW LV HYHQ PRUH LPSRUWDQW WR PDLQWDLQ DQ RSWLPDO FUHGLW SUR¿OH :H DUH KHUH WR KHOS 7KHUH DUH WZR VWHSV WKDW \RX PXVW WDNH WR HQVXUH \RXU FUHGLW LV LQ WKH EHVW VKDSH SRVVLEOH ZKHQ LW¶V WLPH WR EX\ DJDLQ

Our FREE Credit Monitoring Program 1.

Educating you on the basic anatomy of your credit score ± 7KH IROORZLQJ VHFWLRQ HQWLWOHG ³&UHGLW ± +RZ 'RHV ,W :RUN"´ ZLOO KHOS \RX XQGHUVWDQG KRZ \RXU FUHGLW VFRUHV DUH GHWHUPLQHG

2.

FREE - Monitoring Your Credit ± %\ HQUROOLQJ LQ RXU FUHGLW PRQLWRULQJ SURJUDP \RX ZLOO UHFHLYH IUHH FUHGLW UHSRUWV WZLFH D \HDU XQWLO \RX UHDFK \RXU *5((1 /,*+7 GDWH 8SRQ HQUROOPHQW ZH ZLOO LVVXH \RXU ¿UVW UHSRUW (YHU\ PRQWKV DIWHU WKDW \RX ZLOO UHFHLYH DQ XSGDWHG WUL PHUJH FUHGLW UHSRUW IURP DOO WKUHH EXUHDXV (TXLID[ 7UDQV8QLRQ DQG ([SHULDQ VKRZLQJ DOO WKUHH VFRUHV DQG FRPSOHWH WUDGH OLQH GHWDLO KLVWRU\ 72 (152// &RQWDFW RXU WHDP DW DQG DVN DERXW WKH %X\LQJ $IWHU D 6KRUW 6DOH &UHGLW 0RQLWRULQJ 3URJUDP

Jeremy House, Loan Officer, CMPS

602.433.2149

MKRXVH#SULPHOHQGLQJ FRP _ ZZZ -HUHP\+RXVH FRP _ 10/6 6 5XUDO 5G 6XLWH $ ‡ 7HPSH $=

Buying After A Short Sale

How Your Credit Score Is Determined 35%

3D\PHQW +LVWRU\

30%

$PRXQWV 2ZHG

15%

/HQJWK RI &UHGLW +LVWRU\

10%

1HZ &UHGLW

10%

7\SHV RI &UHGLW 8VHG

Payment History – 35%

Amounts Owed – 30%

‡ 3D\PHQW LQIRUPDWLRQ RQ PDQ\ W\SHV RI DFFRXQWV ‡ 3XEOLF UHFRUGV DQG FROOHFWLRQ LWHPV ‡ 'HWDLOV RQ ODWH RU PLVVHG SD\PHQWV ‡ +RZ ODWH" ‡ +RZ PXFK ZDV RZHG" ‡ +RZ UHFHQW" ‡ +RZ PDQ\ WKHUH ZHUH"

‡ ‡ ‡ ‡

Length of Credit History – 15%

New Credit and Inquiries – 10%

‡ +RZ ORQJ FUHGLW DFFRXQWV KDYH EHHQ HVWDEOLVKHG ± LQ JHQHUDO ‡ +RZ ORQJ VSHFL¿F FUHGLW DFFRXQWV KDYH EHHQ HVWDEOLVKHG ‡ +RZ ORQJ LW KDV EHHQ VLQFH \RX XVHG FHUWDLQ DFFRXQWV

$PRXQW RZHG RQ DOO DFFRXQWV $PRXQW RZHG RQ GLIIHUHQW W\SHV RI DFFRXQWV %DODQFH RZHG RQ FHUWDLQ W\SHV RI DFFRXQWV +RZ PXFK RI DQ\ FUHGLW OLQH RU UHYROYLQJ DFFRXQW LV EHLQJ XVHG ‡ +RZ PXFK LV RZQHG RQ LQVWDOOPHQW DFFRXQWV

‡ :KDW W\SHV RI FUHGLW DFFRXQWV \RX KDYH DQG KRZ PDQ\ RI HDFK ‡ 7RWDO QXPEHU RI DFFRXQWV

Types of Credit – 10% ‡ +RZ PDQ\ QHZ DFFRXQWV \RX KDYH ‡ +RZ ORQJ LW KDV EHHQ VLQFH \RX RSHQHG D QHZ DFFRXQW ‡ +RZ PDQ\ UHFHQW UHTXHVWV \RX KDYH PDGH IRU FUHGLW FUHGLW LQTXLULHV

Jeremy House, Loan Officer, CMPS

602.433.2149

MKRXVH#SULPHOHQGLQJ FRP _ ZZZ -HUHP\+RXVH FRP _ 10/6 6 5XUDO 5G 6XLWH $ ‡ 7HPSH $=

Buying After A Short Sale

Jeremy House, Loan Officer, CMPS

-HUHP\ LV D &HUWL¿HG 0RUWJDJH 3ODQQLQJ 6SHFLDOLVW ZLWK 3ULPH/HQGLQJ $ 3ODLQV&DSLWDO &RPSDQ\ 2ULJLQDOO\ IURP 8SVWDWH 1HZ <RUN -HUHP\ PRYHG WR $UL]RQD WR ¿QLVK KLV HGXFDWLRQ DW $UL]RQD 6WDWH 8QLYHUVLW\ :LWK D GHHS FRPPLWPHQW WR H[FHHGLQJ KLV FOLHQW¶V H[SHFWDWLRQV LQ ERWK WKH DUHD RI NQRZOHGJH DQG VHUYLFH -HUHP\ KDV FRQWLQXHG KLV HGXFDWLRQ LQ WKH PRUWJDJH LQGXVWU\ E\ HDUQLQJ KLV &HUWL¿HG 0RUWJDJH 3ODQQLQJ 6SHFLDOLVW GHVLJQDWLRQ IURP WKH & 0 3 6 ,QVWLWXWH DQG E\ JUDGXDWLQJ IURP WKH ;,11,; 0RUWJDJH $FDGHP\ %RWK RI WKHVH RUJDQL]DWLRQV LQFOXGHG LQVWUXFWLRQ IURP WKH PRUWJDJH LQGXVWU\¶V WRS WUDLQHUV

Our Commitment to You

The Experience

:H DUH FRPPLWWHG WR PDWFKLQJ \RX DQG \RXU IDPLO\ ZLWK D PRUWJDJH ORDQ WKDW PHHWV \RXU XQLTXH QHHGV :H RIIHU VWUDWHJLFDOO\ GHVLJQHG PRUWJDJH VROXWLRQV IRU \RXU LQGLYLGXDO VLWXDWLRQ ZKHWKHU \RX DUH SXUFKDVLQJ D QHZ KRPH RU LI \RX DUH UH¿QDQFLQJ \RXU H[LVWLQJ KRPH ORDQ

2XU WHDP LV GHVLJQHG WR KHOS HGXFDWH \RX DERXW WKH PRUWJDJH LQGXVWU\ WKH PRUWJDJH OHQGLQJ SURFHVV DQG \RXU QHZ KRPH ORDQ 7KH PRUWJDJH H[SHULHQFH VKRXOG EH RQH \RX HQMR\ DQG UHPHPEHU DV D VPRRWK DQG VLPSOH SURFHVV DIWHU LW LV GRQH :LWK RXU GHGLFDWHG WHDP \RX FDQ UHVW HDV\ NQRZLQJ \RX DUH LQ JRRG KDQGV

Strength and Stability 3ULPH/HQGLQJ LV D GHGLFDWHG 0RUWJDJH %DQN ZLWK WKH DELOLW\ WR EURNHU RXW IRU VSHFLDO SULFLQJ DQG SURGXFWV :H DUH EDFNHG E\ 3ODLQV&DSLWDO &RUSRUDWLRQ ZKLFK FXUUHQWO\ KDV PRUH WKDQ ELOOLRQ LQ DVVHWV 2XU &RPSDQ\ LV XQLTXHO\ SRVLWLRQHG WR WKULYH LQ FXUUHQW DQG LQ IXWXUH PDUNHWV

A Mortgage Partner for Life $ ZHOO PDQDJHG 0RUWJDJH FDQ EH WKH FHQWHUSLHFH RI D VXFFHVVIXO DQG UHZDUGLQJ ¿QDQFLDO SODQ ,W LV ZLWK WKDW XQGHUVWDQGLQJ WKDW -HUHP\ DQG .LP EXLOW WKHLU WHDP $V \RXU OLIH FKDQJHV WKH\ ZLOO SURYLGH \RX ZLWK FRQWLQXHG JXLGDQFH WR HQVXUH \RXU 0RUWJDJH 3ODQ ¿WV \RX DQG \RXU IDPLO\

‹ 3ULPH/HQGLQJ $ 3ODLQV&DSLWDO &RPSDQ\ 7UDGH VHUYLFH PDUNV DUH WKH SURSHUW\ RI 3ODLQV&DSLWDO &RUSRUDWLRQ 3ODLQV&DSLWDO %DQN RU WKHLU UHVSHFWLYH DI¿OLDWHV DQG RU VXEVLGLDULHV 6RPH SURGXFWV PD\ QRW EH DYDLODEOH LQ DOO VWDWHV 7KLV LV QRW D FRPPLWPHQW WR OHQG 5HVWULFWLRQV DSSO\ $OO ULJKWV UHVHUYHG 3ULPH/HQGLQJ $ 3ODLQV&DSLWDO &RPSDQ\ 10/6 QR LV D ZKROO\ RZQHG VXEVLGLDU\ RI D VWDWH FKDUWHUHG EDQN DQG LV DQ H[HPSW OHQGHU LQ WKH IROORZLQJ VWDWHV $. $5 &2 '( )/ *$ +, ,' ,$ .6 .< /$ 01 06 02 07 1( 19 1< 1& 2+ 2. 25 3$ 6& 6' 71 7; 87 9$ :9 :, :< /LFHQVHG E\ $/ 6WDWH %DQNLQJ 'HSW FRQVXPHU FUHGLW OLF QR 0& $= 'HSW RI )LQDQFLDO ,QVWLWXWLRQV PRUWJDJH EDQNHU OLF QR %. /LFHQVHG E\ WKH 'HSDUWPHQW RI &RUSRUDWLRQV XQGHU WKH &DOLIRUQLD 5HVLGHQWLDO 0RUWJDJH /HQGLQJ $FW OHQGHU OLF QR &7 'HSW RI %DQNLQJ OHQGHU OLF QR 0/ ' & 'HSW RI ,QVXUDQFH 6HFXULWLHV DQG %DQNLQJ GXDO DXWKRULW\ OLF QR 0/2 ,/ 'HSW RI )LQDQFLDO DQG 3URIHVVLRQDO 5HJXODWLRQ OHQGHU OLF QR 0% ,1 'HSW RI )LQDQFLDO ,QVWLWXWLRQV VXE OLHQ OHQGHU OLF QR 0( 'HSW RI 3URIHVVLRQDO )LQDQFLDO 5HJXODWLRQ VXSHUYLVHG OHQGHU OLF QR 6/0 0' 'HSW RI /DERU /LFHQVLQJ 5HJXODWLRQ OHQGHU OLF QR 0DVVDFKXVHWWV 'LYLVLRQ RI %DQNLQJ±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

Jeremy House, Loan Officer, CMPS

602.433.2149

MKRXVH#SULPHOHQGLQJ FRP _ ZZZ -HUHP\+RXVH FRP _ 10/6 6 5XUDO 5G 6XLWH $ ‡ 7HPSH $=

Issuu converts static files into: digital portfolios, online yearbooks, online catalogs, digital photo albums and more. Sign up and create your flipbook.