What if I have a recent bankruptcy?

At this time, we have a 2-year waiting period from dismissal/discharge for a Chapter 7 and/or 11 bankruptcy, a 2-year waiting period from dismissal for a Chapter 13 bankruptcy, and a 1-year waiting period for a Chapter 13 bankruptcy. If you have multiple bankruptcy filings within the past 7 years, the waiting period is 5 years. Once the waiting period is up, we will be happy to help you get started on your journey to unlock your home's equity.