Due to the impact of the coronavirus, Jovia’s branch and service hours have changed. We have temporarily closed select branches and all in-branch member service needs will be by appointment only. For more information, please click here.
How will a past bankruptcy or foreclosure affect my ability to obtain a new mortgage?
Past credit problems, such as bankruptcy or foreclosure, can have an affect on your loan approval. The type of 'event" (Bankruptcy or foreclosure etc.), and the time since this took place, will all be a factor. Generally the time period it will affect can range from 2 to 7 years. We recommend you contact a loan officer to review your specific situation at: 516-714- 2850 or email us at to learn more.