Credit
How long after Chapter 7 bankruptcy can I buy a home?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
After a Chapter 7 discharge, the standard waits are two years for FHA and VA and four years for conventional. Documented extenuating circumstances can shorten the conventional wait to two years.
The clock starts at the discharge date, not the filing date. Some non-QM lenders lend sooner with more down. We'll pin your exact eligibility date for each program.
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