When filing for a specific bankruptcy chapter, you should know that the most common Chapter filed is Chapter 7. According to the Chapter 7 Bankruptcy Act, you must have a place of residence, and have not filed for bankruptcy in the past six years. It must also not be an abuse of Chapter 7 Bankruptcy, meaning that it must not be a large amount of debt which is owed. There are many reasons why people file for bankruptcy, they may have had a large unexpected expense, such as medical or divorce expense or unemployment may be cause to file for bankruptcy.

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Getting a loan is a very simple process with us. Whether you are refinancing or purchasing a new home all you need to do initially is send us two years of w2’s, one month of paystubs, and a copy of your homeowner’s insurance policy. We can then approve you for a loan. It is truly that simple. The mortgage broker will be impressed and have proven to him your ability and desire to pay the loan. For any further questions on what to send when you make contact with a loan officer, contact Maryland Mortgage Specialists.com.

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