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B1C8T2

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Should I wait one year for a mortgage (chapter 13 falls off in 12 months)
I am ready to buy a home, but have not yet spoke to a bank about a loan. My chapter 13 will only be on my CR for one more year (it has been 6 years since filing). My question is, am I going to get a much better APR by waiting? I have read derogatory remarks impact less and less as they age.

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Does anyone have any input or advice?  It would be greatly appreciated...

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