Margaret, the answer is indeed two years as of when we write these responses for both VA and FHA lending.
If you have specific questions, you can post here or email John or I.
Best of luck to you.
ï‚§ the bankruptcy was caused by circumstances beyond the control of the applicant or spouse such as unemployment, prolonged strikes, medical bills not covered by insurance, and so on, and the circumstances are verified (extenuating circumstances). I have funded many loans where my clients were less than three years out of BK. Visit my website and apply at http://lo.primelending.com/gspaulding .