Credit Restoration after Bankruptcy from MLO in Tampa Bay

Have you experienced bankruptcy? Is your credit at an all-time low? Time to move forward Tampa Bay, because buying a home AND qualifying for a loan is possible after bankruptcy! Let me help you restore your credit, and restore your dreams.
Feb. 8, 2013 - PRLog -- The devastation to baby boomers in the mortgage/housing crash had such a dramatic impact on our financial future.  Looking back over the past 5 years, there are so many folks who were successful business owners and professionals nearing retirement who were just smacked with the crush of the housing bust.  We encumbered job losses and had to re-create ourselves.  As we all had our best laid plan to maintain our dream home as our homestead,  we purchased rental properties, invested into our retirement plans, and made such beautiful improvements to our homes and our lives, only to be crushed by the mortgage and housing market crash.  The solution and timing is here.

It is time to Refresh and Restart.  We do have very forgiving mortgage programs of which will provide you home loan opportunities that will simply amaze you.  

Even if you have been through bankruptcy and short sale, and if you have re-established your credit, there is very good news.   Most of us had these things happen simultaneously.  The process of re-establishing credit, usually 3 trade lines and showing you pay your rent timely, you will fit right into an FHA loan.  Even with the higher mortgage insurance rates, you currently have the ability to deduct the mortgage insurance on your taxes.  That really helps when the kids are all moved out and you have little deductions to claim.

If you have re-established your credit, paid the rent on time and the credit scores are still a little low, we have a credit restoration company which will help remove the negative ratings and assist you with gaining the great credit scores you once had.

I am living proof that the times are changing and getting much better.

These are the steps to take:

1.        Gather your 3 months bank statements to show you have saved for the 3.5% down payment requirement.

2.       Gather your paystubs for most recent one month to show your ability to repay the loan.

3.       Gather your tax returns, all schedules, W2’s and 1099s.

4.       Write your letter of explanation for which explains your situation to bankruptcy, short sale or both.

5.       Provide documentation of your bankruptcy and/or short sale.

6.       Contact Kimberly August directly at 727-238-9079 & 813-489-6512 or via email at

I am Kimberly August and have been serving Tampa Bay with mortgage service for 25 years.  I am a Senior Mortgage Loan Originator with Bay to Bay Lending, LLC in Tampa, Florida. You will find my service is second to none and my will is to serve you in gaining back your dreams.

Contact Kimberly August via phone at (813) 489-6512 or reach out to her via email at

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Whether you are seeking to purchase a new home or refinancing ( your current Tampa Mortgage (, let us show you the way. Bay to Bay Lending is associated with the nation's unsurpassed pricing leaders. The Bay to Bay Lending team of Tampa Mortgage Brokers ( will make the mortgage process as simple as possible. We pride ourselves on offering a premier level of customer support and we look forward to getting you the best financing available.
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Tags:Credit Restoration Tampa, Bankruptcy Restore Credit, Kimberly August Tampa, Loan After Bankruptcy
Industry:Mortgage, Loans
Location:Tampa - Florida - United States
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