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Bankruptcy and Mortgage Options
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Just found out that even after bankruptcy, refinancing your mortgage isn't totally off the table. Apparently, lenders have different waiting periods depending on the loan type—like FHA vs conventional. Kinda surprising, you know? Curious if anyone else has more details or personal experience with this.
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"Apparently, lenders have different waiting periods depending on the loan type—like FHA vs conventional."
Yeah, it's pretty interesting how that works. FHA loans typically have shorter waiting periods (around 2 years post-bankruptcy), while conventional loans can stretch to 4 years or more. Mortgage lenders are surprisingly forgiving... eventually. Patience pays off, literally.
