Hi M.,
I am a licensed Mortgage Advisor for 13 years in the DFW area and my entire practice is centered around Financial Wellness and recovering from financial trauma. I practice a program with my clients called "Path 2 Buy" and have brought back many clients from Bankruptcy, Foreclosure, Short Sale, Divorce, Job Loss, Health and Medical financial destruction, or simply mismanagement of finances be able to get back on track and buy a home again. ...A home that they can afford and pay off with a reasonable payment and stay on track with their budget and life plan goals.
I also work with Doc Compton of Omega and he is a personal friend of mine. He runs an excellent business and can help you. However, you should start this process with a qualified Advisor who can evaluate your entire situation (credit is only 1 part of many things it takes to buy a home now).
People need to feel that they have a plan, and in my practice, we teach that it's OK to rent for another 5 months, or even 5 years, but it's not OK to cruise through life without a plan of action of how to move forward.
Feel free to contact me if you would like to discuss further.
C. Cannon
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