Apply for a Home Loan

Ready to apply for a new home loan or refinance an existing mortgage? Apply directly through the Network Financial Group website.
You may choose to complete short application to get started, or the full application to submit documentation and have your loan processed.

Full Application
(I have all my documents ready.)
Short Application
(I just want to start the process.)

Chapter 13 Mortgage Lenders

At Network Financial Group, we understand that a new home purchase or home refinance is a prime objective for many families and individuals thinking of life after Chapter 13. To quickly answer “the big question,” yes; you can secure a mortgage during and after bankruptcy. And, you don’t even have to wait until you’ve made your final Chapter 13 payment to start. Bob Schuman is here to help you through the entire process.

Network Financial Group works on the principle that everyone — whether you have perfect credit or poor credit — should have a shot at financing a home. As bankruptcy mortgage specialists, we can help you straighten out your credit crisis so you can start thinking about refinancing or taking out a mortgage even in the middle of a Chapter 13.

Network Financial

A Whole Network on Your Side

No one lender has the best for everyone. When you work with Network Financial Group, you have the benefit of working with our team. We work with over 50 financial lenders and investors, and based on your circumstances, choose the lender that will give you the best rate and term.

We have the tools, services, and expertise to help make your financing dream a reality. To get started, contact Network Financial Group today.

Get started ❯

From Chapter 13... to Getting a Mortgage

At Network Financial Group, we have programs available for those undergoing and exiting Chapter 13. We break the entire process into easily achievable steps. And, anyone whose gone through the bankruptcy process will tell you that each milestone is worth celebrating. Taking clients from Chapter 13 to getting a mortgage and completing the chapter 13 all starts with a consultation.

Step 1

Schedule a consultation.

During your initial consultation, you will speak directly with our owner and managing broker Robert, with over 30 years of experience, he is an expert in credit and finance, and helping homeowners in difficult situations, he will listen to your situation, work with you and help clarify your ultimate goals and set the plan in motion.

We will provide you with some helpful insight and advice on how we see the process unfolding. This information you receive during the first consultation will include the basic steps you will need to take to go from bankruptcy to home financing and back to excellent credit down the road.

Purchasing or refinancing a home after bankruptcy isn’t the easiest thing to do, but just remember, our staff will be with you each step of the way.

Step 2

Review your credit.

Credit check

If you’re ready, Bob can run your credit report from the three major credit bureaus, Experian, Transunion and Equifax, then review it with you in detail, looking for any erroneous information that is hurting your score and advising you on what you might do to increase your score. Your credit score plays a huge role in the terms of the loan you qualify for. In some instances, a one point difference, say between 619 and 620 can be the difference in thousands of dollars in closing costs, and even be the difference in whether you are approved or denied a new loan. So needless to say, your credit score is really important.

Step 3

Apply for a home loan.

It’s time to get this done for you. Bob will complete the application with you, and give you a list of documents the underwriter will require, and we are on our way. Know that we will be with you every step of the way.

Step 4

Client for life.

After we have completed your new loan, we will continue to track the market with you in mind. The time will come when a better loan is available to you and we will be there to make that happen.

Ready to Start?

If you are currently going the Chapter 13 process and setting your sights on buying a home or refinancing, we’d love to discuss your options. Getting a home loan after Chapter 13 isn’t easy, but you’ll find the process to be much easier with Network Financial Group.