Our after bankruptcy mortgage can fund as soon as 1 day after bankruptcy discharge or foreclosure completion. Lower your rate and start fresh.
Life happens. Non-QM credit event programs give you a second chance — without years of waiting. If you're self-employed, you may also qualify with a bank-statement loan or, for investors, a DSCR loan.
Traditional lenders require 2-7 year waiting periods after bankruptcy, foreclosure, or short sale. Non-QM credit event programs have no waiting period — qualify as soon as 1 day after discharge or completion.
Lower your current high-rate mortgage that you obtained after a credit event. As your credit rebuilds, better rates become available. Refinancing accelerates your financial recovery.
Even with recent credit events, cash-out refinance is available up to 65-70% LTV. Use equity for debt management, emergency reserves, or strategic investment.
Bankruptcy (Ch 7/13), foreclosure, short sale, deed-in-lieu, loan modification — all accepted. The event must be completed (discharged/settled), not pending.
Provide bankruptcy discharge papers, foreclosure completion, or short sale settlement letter. We verify the event is fully resolved.
We review your current credit profile and income documentation. Bank statement, P&L, or full doc income options available.
Home appraisal confirms property value. Underwriting evaluates your complete file with credit event context.
Sign your new loan. Lower payments begin immediately. Plan to refinance again as credit continues rebuilding.
Run the numbers before you commit. These tools answer the questions every refi shopper asks.
Find out when your refinance pays for itself and whether the closing costs are worth it.
Should you buy discount points to lower your rate? See break-even months and lifetime savings.
See how extra payments shave years off your loan and save tens of thousands in interest.
Questions about refinancing after bankruptcy, foreclosure, or short sale. Contact our team for a no-judgment review.
1-day minimum wait • All credit events • Stepping-stone strategy. Apply now.
Start my credit event refi