http://www.naca.com, I'll help you find a home when you get your pre-approval letter.
You are correct, for Chapter 13 it is a year. Which is fine; however, you indicated a desire to get approved in a shorter amount of time than it would take to increase your credit score by 10 months. You also indicated your efforts to get an FHA loan. Realizing that they require a year wait, unless you get a conventional loan, the FHA guideline is going to be your barrier to getting financed sooner.
Regarding your credit score. If you have your credit pulled more than once in the same 30 day period for the same purpose (to secure a mortgage for a home), it only counts on your credit once, not each time your credit is pulled. I wouldn't recommend having a lot of lenders review your credit though. When I say a lot, I mean more than 4 in a 30 day period.
All the best to you!
Lynn911 Dallas Realtor & Consultant, Loan Officer, Credit Repair Advisor
The Michael Group - Dallas Business Journal Top Ranked Realtors
FHA requires that you be two years out of your bankruptcy.
There are lenders who'll
accept a lower score with 10%
down; however, you may
have to explore conventional
loan options which may require a larger downpayment.
I know that you'll get that
house. Be sure to visit my
website. I'm happy to
There are many lenders that will work with scores that low. FHA is a product that is regulated by the government. However if you would like to speak to some different lenders I would be happy to refer you to them. Which lender have you contacted already?
Call me at 615-414-9626 if I can be of assistance.