Is It Possible To Get A Mortgage After Chapter 7?

[Frank S.]

A friend would like to buy the townhome she has lived in for 10 years because the owners want to sell it immediately. Due to a divorce, she filed chapter 7 bankruptcy with a discharge date on March 14, 2017. Her credit score is roughly 630, she has worked in the same place for the last 5 years, and last year was approved for a 12K car loan which is halfway paid off.

Do you think she would be able to be approved for a mortgage to buy a townhouse at 125K?

If not, what unconventional options do you think she should look into?

She has already spoken with a hard money lender who wants to charge 9% for a 24-month note... That's why she came to me so that I could loan her the money for a lesser interest rate.