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They can take a look at all those numbers and get you pre-qualified to help determine how much you can borrow and at what interest rate, at least a ballpark figure. If the mortgage is for a purchase, you’ll also need to get pre-approved to show the home seller (and their real estate agent) that you’re a serious candidate (pre-qualification.
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When Can I Get a Mortgage After Bankruptcy? | Nolo – You can obtain an FHA loan before you complete your plan if you meet the following conditions: You’ve paid 12 months of plan payments. The court approves your request to purchase a house with an FHA loan. You can demonstrate that the reason you filed for bankruptcy is unlikely to occur again.
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