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I'm often asked, "can I still buy a home if I've had a recent

bankruptcy?". Absolutely! Now, for obvious

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

reasons, you can expect to

pay a higher rate on your mortgage than those who haven't had a

bankruptcy.

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

You actually have a couple of choices when it comes to

purchasing a home after a bankruptcy. You can get

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

your mortgage through

a non-prime lender, or seek out an FHA Loan. Whichever mortgage lender

type you

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

o with, be prepared to produce an explanation of the

circumstances of the BK, as well as the documentati

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

on and schedule of

debtors. You'll also need to have re-established some credit in most

cases, to show

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

he mortgage lender that you can now handle paying your

bills again. You needn't be a novelist to write y

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

ou BK explanation

letter, your mortgage broker can help with that. At our company, it's

no big deal to

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

elp 20-30 people each month at writing their

explanation letter for Bk's. We know what the mortgage lend

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

er is

looking for and what format they like, so relax when it comes to this

part of the loan. They real

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

y just want to know what the circumstances

surrounding your BK were, in layman's terms. There are basica

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

lly two

kinds of personal bankruptcies that mortgage lenders deal with; Chapter

13, where your debts ar

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

reorganized and paid out over time and Chapter

7, where your assets are liquidated. I'm not an attorney

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

, so speak to

your tax advisor about each of these bankruptcies if you'd like

in-depth information abou

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

what they mean. You can usually get a home

mortgage in 12 months with a chapter 13 bankruptcy. You can

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

expect to

wait at least 2 years for a chapter 7 bankruptcy. Either way, you can

expect to produce a tru

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

tee letter. It's dis-heartening, but I meet

couples and individuals all the time who have either just fi

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

led

bankruptcy, or they have one being discharged and I'm unable to help

until they get a trustee lette

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

, authorizing a home purchase. I hope

this helps you in your mortgage endeavor!

View this and other art

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

icles at The Mortgage Blog

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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