If you have had to file for Bankruptcy, and you wish to purchase a home, we are the agents for you.  We have over 30 years combined experience in Bankruptcy and have partnered up with a number of local lenders that can assist in getting you into the home of your dreams.  

Some things to note:

  • Chapter 7 Bankruptcy requires that your case has been DISCHARGED for 2 years before the lender can issue a mortgage loan to you

  • In either a Chapter 11 or Chapter 13 Bankruptcy you may actually PURCHASE A HOME WHILE IN AN ACTIVE CASE. Purchasing a home during an active case will either require Court or Trustee approval (Bahia Williams Group can assist you with this process in conjunction with your attorney, the Trustee and the Court).  Be aware; however, that if you wish to purchase a home and you are in Chapter 11 or Chapter 13 Bankruptcy, purchasing while your case is active is your best option. If you wait until your case has completed and discharged, you will needs to wait at least 2 years as with Chapter 7.

  • Bahia Williams Group assists you with rebuilding your credit with simple, common sense approaches to credit and budgeting.  Further, we assist you in finding proper lending options, as well as coordinate with your attorney (if you have one) in order to gain any required approvals of the Court or Trustee.

Bottom line is that a Bankruptcy filing does not eliminate your ability to purchase a home.  You are able to, and encouraged, to get back into the world of credit, and to use such to your benefit, while maintaining control over your budget.

Please call or text us at 831.227.3186 or email us at RE@BahiaWilliams.com for further information.  Disclaimer: Bahia Williams Group, Aldina Real Estate, Inc. are not licensed attorneys. The information provided herein is based on work experience and publicly available information and documents. You should seek the advise of an attorney to verify all information before you make any decisions regarding the purchase or sale of any property while involved in a Bankruptcy proceeding.