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If you have unsecured debt of under $10,000 and live in the Province of Ontario filing bankruptcy may not be the best option for you. We suggest you contact the Office of the Superintendent of Bankruptcy at 416-973-6441 to discuss your options, or you can visit their website here.

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Financing for Mortgage Loan after filing Bankruptcy?

If my husband files for bankruptcy, would we still be able to get a mortgage for a home, using his income in conjunction with wife’s?

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One Response to “Financing for Mortgage Loan after filing Bankruptcy?”

Barton Goth, GCO Inc. Bankruptcy Trustees said...

This is a difficult question to answer as the approval of a mortgage is dependant on a number of factors, including your monthly income, monthly expenses, credit history, efforts made to rebuild credit after the filing of a bankruptcy, current debt load, value of assets owned, and the presence and size of the down payment. Normally we find that you can be considered for a mortgage after filing a bankruptcy after two years has elapsed since you had been discharged and they will want to see some evidence of attempts to rebuild credit during that 2 year period.