YAY! Checked PACER this morning and my discharge was posted yesterday.
This morning it is already reported as Discharged by Experian. I have not checked the other 2 CRA's yet.
This afternoon I pre-qualified for a Rural Development mortgage from USDA, and my prequal was accepted literally within minutes. No more renting! I am FINALLY buying a HOUSE (which was my long term goal when I filed).
And yes USDA DOES allow a mortgage immediately after a successfully completed Chapter 13, but Chapter 7 (apparently) has to wait a year after discharge. Actually their new guidelines MAY allow you to qualify after 36 months of successful payments, but I was too scared to take on the obligation in the middle of bankruptcy. I didn't want anything to jeopardize my ability to make my payments or obtain my discharge.
When that discharge order comes in the mail I am going to frame it and hang it on the wall of MY NEW HOME.
PS: NONE of my discharged debts were from credit cards or mortgage.
Super huge hugs and thanks to all who helped me through this!
This morning it is already reported as Discharged by Experian. I have not checked the other 2 CRA's yet.
This afternoon I pre-qualified for a Rural Development mortgage from USDA, and my prequal was accepted literally within minutes. No more renting! I am FINALLY buying a HOUSE (which was my long term goal when I filed).
And yes USDA DOES allow a mortgage immediately after a successfully completed Chapter 13, but Chapter 7 (apparently) has to wait a year after discharge. Actually their new guidelines MAY allow you to qualify after 36 months of successful payments, but I was too scared to take on the obligation in the middle of bankruptcy. I didn't want anything to jeopardize my ability to make my payments or obtain my discharge.
When that discharge order comes in the mail I am going to frame it and hang it on the wall of MY NEW HOME.
PS: NONE of my discharged debts were from credit cards or mortgage.
Super huge hugs and thanks to all who helped me through this!
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