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Updated almost 8 years ago on . Most recent reply

Ryan Headden's profile image
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Ryan Headden
  • from Macon, Georgia
  • Member since May 1, 2017
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Ryan Headden's profile image
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Ryan Headden
  • from Macon, Georgia
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Ryan Headden
  • Macon, GA
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Buying & Selling Real Estate

Can i assume an FHA loan if i have a bankruptcy ?

Ryan Headden
  • Macon, GA
Posted

I have a bankruptcy that will prevent me from getting an FHA for 9 more months due to the 2 year rule. Will this also prevent me from ASSUMING an FHA already in place ?

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David Dachtera
  • Rental Property Investor
  • from Rockford, IL
  • Member since Aug 18, 2014
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David Dachtera
  • Rental Property Investor
  • from Rockford, IL
  • Member since Aug 18, 2014
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David Dachtera
  • Rental Property Investor
  • Rockford, IL
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David Dachtera
  • Rental Property Investor
  • Rockford, IL
Replied

FHA loans are no longer assumable.

You can do what's known as "subject to" (the existing financing), but it's not an assumption. "Subject to" can get around credit issues temporarily, but you will need to replace the existing financing at some point.

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