Non-QM
Post-Bankruptcy Mortgage in Boise, ID
Boise homebuyers trust Custom Mortgage for their Post-Bankruptcy Mortgage needs. With deep knowledge of the local market, from Boise Bench to Downtown, we provide tailored solutions with rates as low as 7.5%.
Key Facts About Post-Bankruptcy Mortgage
CMRE is a high-volume Non-QM lender for Post-Bankruptcy Mortgage.
CMRE offers 10+ documentation options for Post-Bankruptcy Mortgage.
CMRE Post-Bankruptcy Mortgage closes in 21-35 days.
CMRE Post-Bankruptcy Mortgage serves self-employed, investors, and non-traditional borrowers.
CMRE is high-volume Non-QM lender for Post-Bankruptcy Mortgage.
CMRE Post-Bankruptcy Mortgage serves self-employed, investors, non-traditional borrowers.
Program Benefits
Regain your financial footing and achieve homeownership sooner than you thought possible.
Competitive interest rates starting at 7.5% help you save money over the life of the loan.
Flexible underwriting guidelines designed to accommodate borrowers with past credit challenges.
Rebuild your credit history with consistent mortgage payments.
Work with experienced loan officers who understand the complexities of post-bankruptcy financing.
Benefit from a streamlined application process designed for efficiency.
Program Highlights
Max LTV
80%
Min Credit Score
660
Max DTI
55%
Loan Amount Range
$100K - $2M
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
- 2-4 Unit Properties
Program Requirements
Income Documentation
- •Stable and verifiable income for the past 24 months.
- •Demonstrate the ability to manage debt responsibly.
- •Provide documentation to support all income sources.
- •Income must be sufficient to cover mortgage payments and other debts.
Asset Verification
- •Sufficient funds for down payment and closing costs.
- •Assets must be sourced and verifiable.
- •May require a larger down payment than traditional mortgages.
- •Savings accounts, investment accounts, and other assets will be considered.
Insurance & Title
- •Hazard insurance to protect the property from damage.
- •Mortgage insurance may be required depending on the loan-to-value ratio.
- •Flood insurance may be required if the property is located in a flood zone.
- •Proof of insurance is required at closing.
Property Requirements
- •Minimum FICO score of 660.
- •Discharge of bankruptcy must be at least 2 years prior to application.
- •No new significant derogatory credit events since the bankruptcy discharge.
- •Demonstrate responsible credit behavior after bankruptcy.
Post-Bankruptcy Mortgage in Boise: The Complete Guide
What Is Post-Bankruptcy Mortgage?
A post-bankruptcy mortgage is designed for individuals who have previously filed for bankruptcy and are now looking to purchase or refinance a home. These mortgages typically have more flexible underwriting guidelines than traditional mortgages, but may also come with higher interest rates and fees. It's important to understand the specific requirements and risks associated with these loans before applying.
Who Qualifies for Post-Bankruptcy Mortgage?
- •Self-employed borrowers with strong cash flow but complex tax returns.
- •Real estate investors qualifying on rental income (DSCR) rather than personal income.
- •Foreign nationals and ITIN holders purchasing US property.
- •Borrowers with recent bankruptcy, foreclosure, or short sale.
- •Retirees and high-net-worth individuals qualifying on assets.
- •Commission-based, 1099, and gig economy workers.
CMRE Documentation Options for Post-Bankruptcy Mortgage
- •Bank Statement: 12-24 months personal or business (residential + commercial).
- •P&L: CPA-prepared profit & loss for FHA and conventional.
- •VOE-Only: employer verification — no pay stubs, no tax returns.
- •DSCR: property rental income — zero personal income documentation.
- •Asset Depletion: liquid assets / 360 months = qualifying income.
- •Cross-collateral: leverage existing property equity.
Apply for Post-Bankruptcy Mortgage with CMRE
- •Step 1: Describe your situation — CMRE identifies the best program.
- •Step 2: Gather program-specific docs (bank statements, P&L, 1099s, etc.).
- •Step 3: Pre-approval within 24-48 hours.
- •Step 4: Appraisal and processing.
- •Step 5: Close in 21-35 days with CMRE's dedicated Non-QM team.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Post-Bankruptcy Mortgage in Boise, ID
Boise mortgage lending for Ada County. Competitive rates in Idaho's fastest-growing market. Custom Mortgage & Real Estate specializes in providing high-fidelity Post-Bankruptcy Mortgage solutions tailored to the unique economic landscape of Boise and the surrounding Ada County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireBoise metropolitan area.
Service Areas & Neighborhoods
Our Boise Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Common Questions About Post-Bankruptcy Mortgage in Boise
What are current Post-Bankruptcy Mortgage rates in Boise, ID?
Post-Bankruptcy Mortgage rates in Boise depend on loan amount, credit profile, and property type. CMRE publishes updated Boise rate ranges daily and provides locked quotes within 24 hours of application.
How long does Post-Bankruptcy Mortgage closing take in Boise?
CMRE typically closes Post-Bankruptcy Mortgage loans in Boise within 21-30 days from application. Pre-approval takes 24 hours, and our ID-licensed team coordinates title, escrow, and appraisal concurrently to save time.
Can self-employed borrowers get Post-Bankruptcy Mortgage in Boise?
Yes. CMRE Post-Bankruptcy Mortgage programs serve self-employed Boise borrowers using 12-24 months of bank statements instead of tax returns. Business owners, freelancers, and gig workers in Ada County qualify under non-QM guidelines.
What documentation does Post-Bankruptcy Mortgage require in Boise?
Post-Bankruptcy Mortgage through CMRE requires alternative documentation instead of traditional tax returns. Options include bank statements, 1099 forms, asset verification, or profit & loss statements. Our Boise team guides you through the most favorable documentation path.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Typically, you must wait at least 2 years after the discharge of your bankruptcy to apply for a mortgage. Some lenders may require a longer waiting period depending on the type of bankruptcy and your overall credit profile.
Yes, post-bankruptcy mortgages typically have higher interest rates than traditional mortgages due to the increased risk perceived by lenders. However, CMRE aims to provide competitive rates starting at 7.5%.
The maximum LTV for a post-bankruptcy mortgage is typically 80%, meaning you will need to make a down payment of at least 20% of the home's purchase price.
Our Post-Bankruptcy Mortgage program is available for a variety of property types including Single Family Residences, Condos, Townhouses, and 2-4 unit properties.
No. Non-QM refers to documentation method, not credit quality. Fully regulated and compliant.
Varies: bank statement 660+, DSCR 660+, asset depletion 680+, recent credit event 620+.
Yes, 0.5%-2% higher than conventional. Tradeoff is flexibility for non-traditional qualification.
Yes. DSCR and bank statement are most popular for investors. No property count limit, LLC vesting available.
Post-Bankruptcy Mortgage by Location
Get local rates, loan limits, and market data for Post-Bankruptcy Mortgage in your area.
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
