Fresh start loans
A bankruptcy is a chapter. It isn't the book.
Programs that work with 0-2 years of seasoning after a bankruptcy, foreclosure, or short sale, every waiting period mapped to your dates, and pricing that improves every year you rebuild.
Program snapshot
Fresh start at a glance
- Events covered
- BK, foreclosure, short sale
- Seasoning
- from 0-2 yrs on select programs
- Income docs
- full doc or bank statements
- Standard programs
- reopen at 2-4 yrs
- Scenario review
- free
Program menus from specialty wholesale lenders. Seasoning tiers, leverage, and pricing vary by event type, recency, and program, and change without notice. Not an offer or approval.
The event was one date. Your life kept going.
We broker the specialty lenders whose guidelines price the recovery, not just the record.
0-2 yrs
after the event, on select programs
You don't have to wait seven years
Conventional guidelines can bench you for four to seven years after a bankruptcy or foreclosure. Specialty fresh-start programs work with as little as zero to two years of seasoning, priced honestly for where you are in the recovery.
- Bankruptcy, foreclosure, short sale, deed-in-lieu
- Full doc or bank statement qualifying
- Purchase or refinance
2-4 yrs
is when the standard doors reopen
We keep the calendar so you don't have to
FHA, VA, and conventional each run their own waiting-period clock from discharge or completion, and documented extenuating circumstances can shorten them. We map your exact dates so every option gets counted, today's and tomorrow's.
- Every program's clock mapped to your dates
- Extenuating circumstances reviewed honestly
- No guessing about what you're eligible for
every yr
of seasoning improves the deal
The rebuild ladder, priced in the open
Leverage and pricing step up at each seasoning milestone. We show you what buying now costs versus waiting a year, with real numbers on both, and you make the call with the whole board visible.
- Now-versus-later quoted side by side
- Down payment tiers ease with time
- An honest 'wait' when waiting wins
Told the wait was seven years?
The setback and the comeback are both part of the file.
Self-employed through the rough patch
A credit event and lean tax returns often arrive together. Bank statement qualifying stacks with fresh-start seasoning tiers, so the business's real cash flow carries the file even when the returns tell the harder story.
Investors getting back in the game
DSCR programs qualify on the property's rent, not your history, and several menus take recent credit events in stride. A setback on your personal file doesn't have to freeze the portfolio.
When life caused the event
Divorce, medical bills, a business closure, a job loss. Documented extenuating circumstances can shorten agency waiting periods, and underwriters who read files as stories, not scores, make the difference. We know which lenders those are.
Rebuilding the credit alongside
Which balances to pay down first, which accounts to leave alone, what actually moves a score in ninety days. We'll lay out the rebuild plan next to the loan options, so progress on one improves the other.
A plan beats a waiting room.
- 1
Send the timeline
What happened, when it discharged or completed, and where the credit sits today. No judgment; this is a math conversation.
- 2
We map every open door
What you qualify for right now, what unlocks at your next seasoning milestone, and what each path costs.
- 3
You choose with the whole board visible
Buy now, or wait with a date circled on the calendar. Either way it's a plan, not a hope.
The quick eligibility check.
- Bankruptcy, foreclosure, short sale, deed-in-lieu
- Seasoning from 0-2 years
- Full doc or bank statements
- Purchase or refinance
- Extenuating circumstances reviewed
- Free scenario review
Self-employed on top of it? Bank statement qualifying stacks with fresh-start seasoning, and investors can lean on DSCR programs where the property's rent does the qualifying.
Straight answers
Can I really get a mortgage after a bankruptcy?
Yes. Specialty programs work with as little as zero to two years since discharge, and the standard programs reopen on their own schedules after that. The honest part: recent events cost more in rate and down payment, and every year of clean history since the event improves the terms. We'll show you the exact trade-off for your dates.
How long do FHA, VA, and conventional make me wait?
Each runs its own clock, generally two to four years depending on the program and the event, with conventional the longest after a foreclosure and documented extenuating circumstances sometimes shortening the wait. The dates are measured from discharge or completion, so the first step is pinning down your exact timeline; we do that with you for free.
Does a Chapter 13 work differently than a Chapter 7?
Yes, and sometimes in your favor. Some programs will consider borrowers still inside a Chapter 13 repayment plan with a record of on-time plan payments and court approval, rather than waiting for the full discharge. It's a specialized file, and it's one we know how to run.
What will a recent credit event cost me?
Recent seasoning means a larger down payment and a higher rate than a clean file would get; that's the honest price of the second chance. What matters is seeing it next to the alternative: we quote today's option against what a year of waiting would earn, and let you decide with real numbers.
Will starting with a fresh-start loan lock me into it?
No. It's a loan, not a sentence. As your seasoning builds and the standard programs reopen, your options broaden on their own schedule. We map those dates for you up front so you always know where you stand.
What should I be doing while I rebuild?
On-time payments on everything, balances kept low, no new dings, and no closing old accounts without a reason. When we review your scenario we'll point out the two or three moves that would help your file most. The rebuild and the loan search work best as one plan.
The comeback starts with one conversation.
Two minutes to send your timeline. No cost, no judgment, and an honest map of what's open now versus what next year unlocks.
Guthix Lending • NMLS# 2672037 · Credit-event programs are alternative-documentation loans whose leverage, pricing, and seasoning requirements vary by event type, recency, program, and tier, and change without notice; recent events generally carry higher rates and larger down payment requirements. Agency waiting periods are set by their respective programs and depend on individual circumstances. Nothing here is legal or credit-repair advice. Not all borrowers will qualify. This is not a commitment to lend or an offer of specific terms.