Mortgage Refinancing South Carolina
(Prosperity, South Carolina USA)
Ask Kate about mortgage refinancing in South Carolina: Hello! My husband and I have filed Chapter 13 this past June and was advised by our lawyer that it is possible to obtain a home during this time.
We realize that it is going to be hard to find a lender. We own the land and are looking for a mobile home to put on it but need to finance the well and septic along with the home.
I am not sure what direction to go in. Can you please help? We are also first time home buyers. Thank you Nicole
Kate Answers: Mortgage Refinancing in South Carolina
Dear Nicole, Just because obtaining a home loan is legal during or after bankruptcy does not mean a mortgage company is obligated to loan money.
But keeping that in mind, there is no reason you couldn't pursue this. Assuming you have equity in the land, ask a lender if they might consider treating your transaction as a refinance. Then hopefully you could avoid a substantial down payment.FHA home loans
are excellent for first time home buyers and homeowners with less than perfect credit. But make sure as you shop for a lender that you tell them a mobile home is involved due to different requirements.
Here are six steps for comparing mortgage rates and loan professionals
online and locally. Check my lender directory for mortgage originators in South Carolina
When you choose a lender, would you tell them about my lender directory, List of Mortgage Companies
? It's free for them and other visitors to my website from South Carolina will appreciate it too!
Nicole, one more thing. I'd like to hear back from you. Let me know if this page was helpful to you. Comment here on Mortgage Refinancing in South Carolina
Or Ask Kate another question here
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