Require a 4-year wait from the discharge or dismissal date. FHA & VA Loans: Generally require a 2-year wait. USDA Loans: Usually require a 3-year wait.
Merely "waiting out the clock" is rarely sufficient for mortgage approval. Lenders scrutinize your behavior during the seasoning period to ensure the financial crisis was an isolated event rather than a pattern. how long after bankruptcy can you buy a house
How to Buy a House After Chapter 7 Bankruptcy - Hurst Law Firm Require a 4-year wait from the discharge or dismissal date