Can I get a Home Loan After a Loan Modification ?

The short answer is yes! You can get a new home loan after a loan mod.

You can’t have any late payments within the last 12 months. Most of the time loan mods involve missing a few payments or making a few partial payments in order to get the bank to consider a loan mod, however sometimes they do not.

You can’t refinance however until 12 months after the loan modification. This applies to both FHA and Conventional loans.

If you’re waiting to buy again whether it’s a downsize, up-size, transfer, or any-size let us know.

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