For an FHA, VA, USDA loan they all require 2 years since your discharge date on your bankruptcy. You must have a 620 credit score and good reestablished credit since the bankruptcy.

Checkout my blog at kentuckyloan.blogspot.com for a more complete answer to your question.

2 years if you are looking at using a government, you must also re-establish your credit since the BK's discharge date and to be quite honest the it's hard enough now for borrowers with good credit to obtain a home equity loan you will probably have a hard time doing so yourself unless your Loan To Value is very low right now. Good luck if you have any other questions please contact me at 801-682-5626 or casey@thelowpricelender.com

We require 2 years after your discharge date on your bankruptcy. Give us a call for a free mortgage analysis.