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VA Guidelines

More info coming soon!

Chapter 7 Bankruptcy - 2 years from discharge/ dismissal date.

Chapter 13 Bankruptcy (may be in progress) - 1 year of one time payments must have been made, as well as permission from the court to finance a home.

Foreclosure, Deed in-Lieu of Foreclosure, Short Sale, Pre-foreclosure, or Modification - 3 years from event completed.

USDA (rural) Guidelines

More info coming soon!

Chapter 7 Bankruptcy - 3 years from discharge/ dismissal date.

Chapter 13 Bankruptcy (may be in progress) - 1 year of one time payments must have been made, as well as permission from the court to finance a home.

Foreclosure, Deed in-Lieu of Foreclosure, Short Sale, Pre-foreclosure, or Modification - 3 years from event completed.