Chapter and dates matter
The type of filing and the discharge date affect which programs can be considered.
loan programs
After Bankruptcy Lending
A past bankruptcy does not end the conversation about homeownership. What matters is where your file stands today.
Even after experiencing a bankruptcy, you deserve access to lending options that can empower you to move forward. Our specialized lending programs cater to individuals who have gone through bankruptcy, offering flexible terms and personalized solutions to suit your unique circumstances. Let us be your partner on the path to financial recovery.
Program description as published on bossmortgage.com/products (preserved verbatim).What this financing is
Programs treat bankruptcy differently depending on the chapter filed, whether it has been discharged and how credit has been handled since. Waiting periods and documentation requirements are set by program guidelines, which change over time.
Rather than guessing at where you stand, a loan originator can review your credit and outline the paths that are realistically open.
Who it may be a fit for
Borrowers with a discharged bankruptcy
Borrowers rebuilding credit after a financial setback
Borrowers who were told to wait without being told why
Homeowners considering a refinance after a filing
Buyers planning ahead for a future purchase
Not sure if After Bankruptcy Lending fits your situation?
A licensed Boss Mortgage loan originator can look at the details with you and explain what applies to you.
What to think about
Credit since then counts
How credit has been handled since the filing is a meaningful part of the review.
Plan, don't guess
If the answer today is not yet, a loan originator can tell you what to work on and when to check back.
Approval is never promised
Not all customers will qualify for financing. All products are subject to property and credit approval.
How the process works
1. Get approved
Connect with a BOSS Mortgage loan originator, review your financing options, and provide the information needed to understand your buying power before you start shopping.
Connect with a BOSS Mortgage loan originator, review your financing options, and provide the information needed to understand your buying power before you start shopping.
Shop with a clear budget in mind. When you find the right property, your loan originator can help you understand the financing details that apply to that home and your offer.
Once you are under contract, the BOSS Mortgage team helps keep the loan moving through documentation, underwriting, and closing so you can get the keys and move forward.
Frequently asked questions
Can I buy a home with less-than-perfect credit?
Yes. We offer loan programs that are designed to help buyers with lower credit scores. Our experts will review your situation and find the best path forward.
Can I get a mortgage after a bankruptcy?
Boss Mortgage offers specialized lending programs for individuals who have gone through bankruptcy. Waiting periods and documentation depend on the type of filing and the program.
A loan originator can review where you are today and outline realistic next steps.
What should I avoid while my loan is in process?
Large new debts, changing jobs without telling your loan originator, moving money between accounts without documentation and closing accounts can all complicate underwriting.
When in doubt, ask before you act — it is much easier than fixing it later.
Who is an FHA loan designed for?
FHA financing is insured by the Federal Housing Administration and is often considered by first-time buyers or borrowers who want more flexible credit review than conventional guidelines allow.
Boss Mortgage is not affiliated with, and its products have not been approved or endorsed by, any government agency.
Are there property requirements with an FHA loan?
FHA financing includes appraisal and property condition standards. A licensed loan originator can explain what is typically reviewed and how it may affect the home you are considering.
Should I compare FHA and conventional financing?
Yes. The two programs review credit, insurance and down payment differently, and the better fit depends on your file.
Boss Mortgage can price both so you can compare the monthly payment and the total cost side by side.
Other programs
FHA Loans
How FHA mortgage financing works, the scenarios it often suits and how to review it with a licensed Boss Mortgage loan originator.
Learn more →
Bank Statement Loans
Bank statement mortgage options for self-employed borrowers and others whose tax returns do not show the full financial picture.
Learn more →
Conventional Loans
Learn how conventional mortgage financing works, who it may suit and how to talk it through with a licensed Boss Mortgage loan originator.
Learn more →
Divorce Situations
Mortgage guidance during a divorce, including buyouts and refinancing, handled with discretion by Boss Mortgage.
Learn more →Ready to get started?
Every situation is different. We’ll help you understand your options and what may fit your goals.
This page is general information about mortgage financing and is not a commitment to lend, an offer of credit, or financial or legal advice. Program availability, guidelines and requirements are set by lenders and investors, can change, and depend on your individual circumstances and the property. Talk with a licensed Boss Mortgage loan originator about what applies to you.
Boss Mortgage LLC NMLS #2547821. See the Licensing page for state licensing information. Additional disclosures appear in the footer of every page.