good morning....fha requires two years from the date of discharge of a ch-7, with re-established credit...preferably a minimum of three tradelines....if you are renting, keep copies of your cancelled checks (front and back) or copies of your money orders to prove that your rent hasn't gone thirty days late or more..do not pay cash, evem to a relative..if you are renting from a management co. then a vor will work at the time you apply for financing.....best of luck to you .bob mcclure- success mortgage partners- plymouth, michigan.....

The general rule of thumb is 3 years after the discharge of the bk. If there were issues beyond your control, you may be able to get one after 12 months. The bnak will want to see some re-established credit with NO lates on anything. Score around 620+. They will also want a good explanation on why you filed, and what you have done to protect yourself (ie. savings accounts). Hope that helps alittle.

Danny Castagna