A second bankruptcy — funded with a private bridge and a longer runway to A

A second bankruptcy reports on the bureau far longer than a first (commonly ~14 years), and most A-lenders want it well aged or clearly past the two-year mark with strong rebuilding — so the timeline back to prime is genuinely longer.

The client didn't want to wait years to buy, but needed an honest plan rather than false hope about an A-lender.

Because the down payment was strong, we used a private lender underwriting the equity rather than the credit history, to fund the purchase now. We were transparent that the road back to A pricing would be longer than for a first bankruptcy.

We mapped a realistic, staged plan: private now, refinance to a B-lender as re-established credit seasons, and A-lender pricing only once the file genuinely supports it — with the trigger dates set to the client's actual circumstances, not an optimistic guess.

The strong down payment made a private purchase possible now, despite the longer reporting period of a second bankruptcy. The plan is honest about the longer runway back to prime — staged through a B-lender first — rather than promising an A-lender rate the timeline doesn't support.