Plain-English guides
The questions people are afraid to ask a lender
Four full answers, with the actual program rules rather than a summary of a summary. Written for the buyer who has already been told no somewhere else.
How long after bankruptcy or foreclosure can you buy?
Often sooner than people assume. Waiting periods by program, and the date the clock actually starts.
Read the guideDo you have to pay off collections to buy?
Usually less than people think — and paying the wrong one at the wrong time can hurt your approval.
Read the guideBuying a house with bad credit
The real minimum score by program, which score lenders actually pull, and what happens below the cutoff.
Read the guideHow long does it take to fix your credit?
What moves in 30 days, what takes a year, and the common repair moves that backfire in underwriting.
Read the guideThe conversation is always free.
No application required to start. Send me an address and I'll tell you the same day whether it's in an eligible area — and if it isn't, I'll tell you that too, and we'll look at what is.