Need lender suggestions (other than FHA). Owner occupied, single family; BK discharged 01/01. 4 trades opened since BK; all 0×30, including mortgage. New mortgage as of 01/01; previous mortgage was paid by my client when parents became terminally ill. Last refi was to buyout co-heirs and home improvements. Need 85% LTV with escrows, rate/term refi. Credit scores are 608/616/601. Job and residence stability (5+ years). Current rate is 12.75%, fixed. client wants rate close to conforming.
