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I filed a chap13 bankruptcy and had a short sale on my home how long after the chap13 is over to I have to wait for a VA loand

by nenvisionz673 from , Nevada. Apr 6th 2014 Reply


VA has a waiting time of 2 years after derogatory credit event.

Apr 6th 2014
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Franco Manueli (Franco)
#32 ranked lender in Nevada - 5 contributions

VA requires (2) years from the transfer date (sale date on public record) of the home that was involved in the short sale. Fell free to contact me at 702-420-2250 to get you started.

Apr 6th 2014
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Pete Bass (PeteBass)
#31 ranked lender in Connecticut - 476 contributions

2 years for VA loan - make sure that all of your payments are on time in the Chapter 13 and after-

Apr 7th 2014
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Robert Hanson (rhanson)
#38 ranked lender in Maryland - 646 contributions

2 years for VA as mentioned. However, if you really needed financing before that, I am participating in an FHA program that allows only 12 months after bankruptcy and/or short sale if the causes for them was a reduction in income that was out of your control. VA does have better terms so that's the best option if you can wait the 2 years. Please make sure that you speak with an experienced lender who will lay out various options and intelligently discuss the pros and cons of each with you. I'm happy to help with the financing or just give you advice. If you need more information, or a competing rate quote call, email or use my live support button to discuss or get in touch with me. Web Address for live chat or quote is: http://www.loansfromrob.com/quote/ Email is robertlh66@verizon.net and direct phone is 240-752-7549. Good Luck -- Rob Hanson

Apr 7th 2014
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Phil Dumouchel (PhilDu)
#32 ranked lender in South Carolina - 2,237 contributions

At least 1 year after the CH13 is filed, if you are done with it and more than 1 year since filed it may be possible if you have reestablished credit. Be prepared for the underwriter to expect very strong documentation that the reasons for the bankruptcy and shortsale are not likely to recur... I can help: pdumouchel@primelending.com or http://pdumouchel.primelending.com or 843-619-6025 **PrimeLending was the #4 purchase mortgage lender in the US in 2012 and 2013 as determined by MarketTrac(c) for Jan-Dec 2012 & 2013

Apr 7th 2014
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Jason Vondrak (jvondrak)
#221 ranked lender in California - 1,741 contributions

There is a 2 year waiting period required for a VA loan.

Apr 7th 2014
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Jericho Cherry (Jerichocherry)
#57 ranked lender in Virginia - 1,107 contributions

2 years.

Apr 7th 2014
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