I own a house in DC, but looking to move to Manhattan, NY. I filed for chapter 7 and got a discharge in November 2014.
I reaffirmed my mortgage debt and have been paying it. I also kept open an Amex with no debt on it, which I have been using and paying regularly.
Currently, my score should be 707, I have no debt. I want to sell my house and then buy a home in NY, I will have my 20% down payment from the first home.
I have tried some online mortgage rate estimator but, probably due to my bankruptcy, get no result. I do not want to go to a bank yet and have a credit check so not to hurt my score.
Is there any way I can get an estimate of what I can get and what interest rate without a credit check?
If I wait until after November 2016, to make it at least two years from the bankruptcy release, will it make a big difference?
I am looking for about a $400,000 place, $80,000 down, I have a good salary. P.S. It was actually a chapter 13 filed in 2012 converted to chapter 7 in 2014 and finally discharged in November 2014, if that makes any difference.