Barclay Butler Financial Inc.

March 6, 2024

Did you know you can buy a home while you are in a Chapter 13 bankruptcy.

If you declared chapter 13 bankruptcy you only need to wait 1 year from the date of filing to buy a home. You need to have made 12 payments to the trustee. It is very important to rebuild your credit with 3 secured credit cards right after your bankruptcy has been filed. You will need 3 tradelines of credit to […]

203- K mortgage 0 49 sec read

March 14, 2023

What is the fastest way to rebuild your credit or increase your credit score.

The fastest way to rebuild your credit score or increase it after a BK, foreclosure, deed in lieu of or a short sale is to get a credit card most likely it will have to be a secured credit card.If you happen to be a person without any credit this will work also. A credit card is considered revolving debt […]

Bad Credit 0 54 sec read

March 14, 2023

1 day out of a foreclosure and you could buy a home!

Yes it is true you can buy a home 1 day after your foreclosure. Your home has to have been already foreclosed, it cannot be in the process of being foreclosed. If you have a 550 credit score and 40% down you can buy a new home. You can get either a Fixed Rate or ARM and or Interest Only. […]

All states 0 30 sec read

March 14, 2023

You can buy a home 2 yrs. after your Ch. 7 bankruptcy is discharged.

If you declared chapter 7 bankruptcy you only need to wait 2 years from the date of discharge to buy a home. It is very important to rebuild your credit with 3 secured credit cards right after your bankruptcy has been filed. When your 2 years seasoning on the bankruptcy is up you will have great credit again. Then you […]

203- K mortgage 0 37 sec read

March 14, 2023

VA home loans down to a 500 credit score.

A VA home loan is either for a veteran, a soldier currently enlisted or a spouse of a deceased veteran. These loans allow for no down payment & no monthly mortgage insurance. These are fantastic loans if you are a veteran. A lot of veterans qualify for a VA loan and do not realize it. Most mortgage companies state you […]

All states 0 52 sec read

September 18, 2018

FHA Loans down to a 500 credit score with 10% down.

Almost all lenders require a 620 credit score to get an FHA mortgage. Most lenders use an automated system to get the customers loan approval (Total Score Card) which runs through DU (Desktop Underwriter) or LP (Loan Prospector). We can get you a mortgage with a 500 credit score if you have 10% to put down. If you have a […]

3 percent down payment 0 42 sec read

October 6, 2014

What is the fastest way to rebuild your credit or increase your credit score.

The fastest way to rebuild your credit score or increase it after a BK, foreclosure, deed in lieu of or a short sale is to get a credit card most likely it will have to be a secured credit card. If you happen to be a person without any credit this will work also. A credit card is considered revolving […]

Bad Credit 0 1 min read

Did you know you can buy a home while you are in a Chapter 13 bankruptcy.

What is the fastest way to rebuild your credit or increase your credit score.

1 day out of a foreclosure and you could buy a home!

You can buy a home 2 yrs. after your Ch. 7 bankruptcy is discharged.

VA home loans down to a 500 credit score.

FHA Loans down to a 500 credit score with 10% down.

What is the fastest way to rebuild your credit or increase your credit score.

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