Repair Credit Score

Question: where can i get a home loan 18 months post Chapter 7 Bankruptcy with perfect credit since?

my annual household income is $65,000 - $70,000. my Credit Score is 620-650. i have 3 revolving accounts open and 1 installment. i havent had any late payments on nothing including rent. i have been at my current job for 6 years. do i have any hope?

Answer: You need to find a sub prime lending company or a alternative lender. I know RBC has a alternative lending program. And Accredited is a sub prime company (bad credit, high debit, self employed people). If you have a home I'd say contact Maple Trust or First National, they have good sub prime lenders to do some refinancing through CMHC. I hope this helps. Good Luck.
P.S both programs may insist that you get a special insurance policy to insure the lender

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