Mortgage After Chapter 7 Bankruptcy

Sweetgrass Capital recognizes that purchasing a home, or refinancing an existing mortgage is a goal for many clients after they have completed their Chapter 7 Bankruptcy plan. Compared to other banks we have a department dedicated to helping borrowers obtain a mortgage after chapter 7 bankruptcy. We can offer you a home loan after Chapter 7 Bankruptcy as soon as 24 months after your discharge date. Other banks make you wait up to 4 years. Start your next chapter, and meet your mortgage goals today by connecting with us.

Speak with one of our Mortgage Consultants about getting a mortgage after Chapter 7 Bankruptcy.

Call us at (843) 277.9304 to have a FREE Consultation.

The Process for Getting a Mortgage After Chapter 7 Bankruptcy

To emphasize, here is a step-by-step rundown on how our home loan process works:

1) Consultation

First off, you will speak with one of our Mortgage Consultants about your financial goals. Subsequently they will identify what you are looking to accomplish. The consultation provides you with the foundation you need, in order to pursue the appropriate home loan product. We address the most common stumbling blocks that our Chapter 7 Bankruptcy borrowers face on the front end.

2) Application

At this point, you will complete the home loan application either online, on the phone, or in person. We are available to guide you through the application should any questions arise.

3) Credit review

Following the application, we run a 3-in-1 credit report, and after careful review, we consult with you about a range of topics. This consultation will help us to verify accounts, as well as update any credit inaccuracies. This step is necessary to help identify common oversights that we see with our Chapter 7 Bankruptcy clients.

4) Loan submission

Afterward with the help of our processing specialists, we gather all the necessary information required to submit your home loan request to underwriting. As a result you have a partner during the information gathering process.

5) Removing conditions

Additionally, our team will receive a list of conditions from the underwriter that request further clarification. In order to specifically address problems associated with your Chapter 7 case.

6) Clear to Close

From here, the final documentation is collected, and final insurance and escrows are arranged. Meanwhile a closing date is set, with your closing attorney or the appropriate escrow agent.

7) Closing

Lastly, you’ve done it! All final documents are reviewed, signed, witnessed, and notarized.

8) Staying in touch

In any case, Swwetgrass Capital keeps in touch with the borrower through a yearly mortgage review. With this purpose in mind we will be sending quarterly newsletters, and personalized updates about mortgage trends.

25 Cumberland Street, Suite 120
Charleston, SC 29401
33 East Schrock Road, Suite 9A
Westerville, OH 43081
Phone: 843.277.9304
Fax: 888.454.4429

  • I highly recommend them to anyone buying a house but especially first time home buyers!”

    β€” KELSEY HENSONΒ β€”

  • I have used Sweetgrass Capital Company personally, and they are GREAT!”

    β€” ANNE SPEAR WALSH β€”

  • Great group of licensed, professional mortgage lenders!”

    β€” JANE SMITH β€”

  • Mick Jewell is a fantastic mortgage broker and a great guy, through and through. He’s who you want on your side when you are financing a home to purchase. Highly recommended!”

    β€”Β JON MOORE β€”

  • In my opinion, Jarrett is the best Loan Officer ever. The guy knows his stuff backwards and forwards. Sweetgrass closed my loan in 18 days!!!”

    β€” ASHLEY SANSUNG β€”

  • Marty and his team were great. Got my refinance completed quickly. Thanks again!”

    β€” JASON VETTOREL β€”

  • We did our renovation loan with these guys. It was a great process and the staff was super helpful.”

    β€” RD Capital β€”

  • Jarrett – i truly appreciate all yall did for me in getting my loan closed – totally pain free process – appreciate it!.”

    β€” CHIP COBIANCHI β€”

  • Fantastic company – Rachel was great throughout the whole process, as was Jarrett.”

    β€” ROBERT OLIVER β€”

  • Mick’s the best loan officer in town!”

    β€” PAT HODGES β€”