Bankruptcy  Chapter 13, Chapter 7 & Bad Credit Mortgage & Home Loan Specialists People We Have Helped Still have plenty of money to lend!! Call: 336-753-0844   How Did I Get Here???? Many times bad credit gets started at a young age simply from lack of knowledge of how the credit system works. However lack of knowledge will not be looked at any differently than if you knew full well what you were doing by lenders. OR Sometimes Bad Credit or Chapter 7 Bankruptcy & Chapter 13 Bankruptcy is brought on by catastrophic circumstances beyond the control of the borrower. Some of the circumstances viewed as "beyond the control of the borrower are: 1) Serious illness  2) Life changing or life threatening accident All such circumstances must be able to clearly document especially after a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy After a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy the lender is very critical of what they consider unavoidable circumstances. Loss of job, separation, divorce etc are NOT considered by lenders as beyond your control ( though we certainly understand ) These guidelines are being presented to help you understand how lenders think. Bad Credit Being late on a single payment can knock your score down over 100 points.  Payments must be made early enough to reach the lender AND POST by the due date or they will be considered late. Simply mailing in the payment early is not enough. Store cards are notorious for counting your payment as being 30 days late if received a day late as are a few major cards. Fixing The Damage To fix the damage of poor payment history, follow the advice given 1) After a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy Bring all accounts current 2) After a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy pay down any account with a balance to less than 30% of the High Credit 3) After a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy do NOT close any account no matter how bad your history has been ( 35% of your credit score is based on HOW LONG you have had credit. Closing an account makes you lose that history and thus make your score TANK 4) After a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy ask your credit card companies to raise the maximum credit limit so as to better your score ( keep your balance below 30% of max credit ) 5) After a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy re-establish credit. a) After a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy buy a car b) After a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy apply for a secured credit card of a $1000.00 or more ( under $1000.00 is not veiwed as countable 6) After a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy do NOT speak to collection agencies, as many times they will "re-up" your collection which hurts your score. Consult with us and IF we need to do anything with the collection agencies we will have you do it at the closing table so as NOT to hurt your chances at buying a home. Call:336-753-0844   For More Information Call: 336-753-0844    Searching for a great deal? Use our link for a free listing of HUD homes. These homes were foreclosed and listed to sell! We also have Spanish Speaking Loan Officers All programs listed have qualification requirements. Not all will qualify.     Did You Know? 12 months after filing a Chapter 13 Bankruptcy, if all payments have been made to the Trustee on time, you can get a great mortgage or refinance your current mortgage. The key is that there are absolutely NO LATES ON ANY ACCOUNT AFTER A BANKRUPTCY. We can help you recover from your Chapter 13 Bankruptcy with a great mortgage  Call:336-753-0844 and lets get started.     Get Qualified Today at: VanDyk Mortgage NC Home Loans Lease Purchase   Local NC Cities We Serve  Your VanDyk Mortgage is here to help you when you decide to Purchase a Home or Refinance a Mortgage. Whether in person or online, we close loans in 36 states all over the U.S. seamlessly and easily. We have a wide selection of REAL ESTATE MORTGAGE HOME LOAN PROGRAMS. You can trust us to find the REAL ESTATE MORTGAGE HOME LOAN PROGRAM that's best for you. We have assisted people in the following NC cities and states to reach their dreams: Find Local  Points Of Interest In The Following Cities & Communities In NC  Winston Salem, NC--Forsyth County, Kernersville, NC--Forsyth County, Mocksville, NC--Davie County, Greensboro, NC--Guilford County, Germanton, NC—Stokes/Forsyth County, Rural Hall, NC—Forsyth County, King, NC--Stokes/Forsyth County, Mt Airy, NC--Surry County, Raleigh, NC--Wake County, Burlington, NC--Alamance County, Statesville, NC--Iredell County, Wilkesboro, NC--Wilkes County, North Wilkesboro, NC--Wilkes County, Elkin, NC--Surry/Yadkin County, Advance, NC--Davie County, Clemmons, NC--Forsyth County, Lexington, NC--Davidson County, Cary, N.C.--Wake/Chatham County, Chapel Hill N.C.--Orange County, Huntersville, NC-- Mecklenburg County, Monroe, NC--Union County, Mooresville, NC--Iredell County, Charlotte, NC--Mecklenburg County, Matthews, NC--Mecklenburg County, Waxhaw, NC--Union County,   Lewisville, NC-- Forsyth County, Troutman, NC-- Iredell County, Oak Ridge, NC-- Guilford County, High Point, NC-- Guilford County, Summerfield, NC-- Guilford County, Colfax, NC-- Guilford County, Archdale, NC-- Randolph County, Trinity, NC-- Guilford County, Stokesdale, NC-- Guilford County, Pleasant Garden, NC-- Guilford County, Pfafftown, NC-- Forsyth County, Tobaccoville, NC-- Forsyth County, Bermuda Run, NC-- Davie County, Thomasville, NC-- Davidson County, Denton, NC-- Davidson County, High Rock Lake, NC-- Davidson County, East Bend, NC-- Yadkin County, Boonville, NC-- Yadkin County, Walnut Cove, NC-- Stokes County, Asheboro, NC-- Randolph County, Randleman,  NC-- Randolph County, Cooleemee, NC-- Davie County, Browns Summit, NC-- Guilford County, Sophia, NC-- Randolph County, Climax, NC-- Guilford County, Whitsett, NC-- Guilford County, Julian, NC-- Guilford County, McLeansville, NC-- Guilford County, Gibsonville, NC , Myrtle Beach, SC, Columbia, SC, Charleston, SC several cities in California and Florida to name a few. VanDyk Mortgage, Inc. has branches in most all states in the US, this allows us to lend almost anywhere in the U.S.  To Find Foreclosed Properties or possible preoperties to "Flip" Go To: http://www.mtgbuy.com/PropertyListings   Useful Local Community, Regional & National Resources and Links for Homebuyers Women’s Council of Realtors — A community of real estate professionals creating business opportunities, developing skills for the future and achieving our individual potential for success. National Weather Service Zone Forecast — Weather and other information for Toms River and surrounding communities. The National Association of Home Builders — A trade association that helps promote the policies that make housing a national priority. Since 1942, NAHB has been serving its members, the housing industry, and the public at large. Homes and Communities from U.S. Department of Housing and Urban Development (HUD) — HUD's Homes and Communities Page is a clearinghouse of information and services about homes and communities for citizens and for HUD's current and potential business partners.  Helpful Local Community & National Resources & Search Engines     Http://www.google.com - A great search engine!     Http://movies.yahoo.com - Just enter your zip code and get movie times, locations, reviews, and more!!!!     Http://www.mapquest.com - Helpful driving directions!     Http://www.amazon.com - A great place to buy books, music, and DVD's.           http://www.msn.com/   Local Community, Regional & National Mortgage & Real Estate Related Directories and Information New Buffalo, MI Real Estate - It is our goal as your full service real estate company specializing in the New Buffalo, Grand Beach, and Union Pier areas, to provide you with superior service at all times. Memphis, Tn Real Estate - Your one-stop source for real estate services covering the Memphis, Germantown, and Bartlett areas. GPS Realty - It is my goal as your full service real estate company specializing in the Harbor Country Area. That include the areas of New Buffalo , Union Pier , Michiana, Lakeside, Harbert and Sawyer, and all of the MIchigan and Indiana Lakefront areas. Orangeburg Homes for Sale and Real Estate Info Serving relocating buyers destined for Orangeburg or 35 mile radius: Total inventory of all homes in three county area available here without respect to which agent or agency is representing the seller(s), MLS access, and HOT LINKS for services and amenities. 200% more detail available on any and all listings by request: Sent out quickly in PDF format. La Quinta Homes for Sale and Real Estate Info  Your one-stop source for real estate services covering the La Quinta, Indian Wells, and Palm Desert areas. With a focus on exceptional service, you'll find everything you'll need from complete MLS listings, valuable home value calculation tools, and comprehensive area information!