If you have had credit issues in the past, or are currently delinquent due to an adjustable loan, an FHA loan may be the answer.

FHA understands that things can happen. If you have had credit problems, but have been on time on your bills for the past 12 months, an FHA loan may be the answer. You can even have had a bankruptcy in the past. Chapter 7 bankruptcies must have been discharged at least 2 years ago (1 year with extenuating circumstances), and Chapter 13 bankruptcies require at least 12 months of on time plan payments and trustee approval.

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