Conventional guidelines - the waiting period is 2 years after your discharge or 4 years after dismissal
FHA guidelines- the waiting period is 2 years after your discharge
Some niche lenders offer financing 1 day out of bankruptcy, but the rates are silly and they require large down payments (20% or more). Most people I know who just got out of bankruptcy don't have huge sums of money sitting around for a down payment- otherwise they wouldn't have had to file bankruptcy!... more
Trulia does not verify information on rentals. Check local property tax records to get the name of the owner, never, ever, wire money, ever! If it sounds too good to be true, it probably is a scam. Do not provide your personal information, especially your SSI #, or financial/bank account information, through email. I always arrange a lease signing meeting where tenants exchange certified or bank checks for keys and a signed lease. More and more tenants are working with licensed real estate professionals in order to avoid these scams.
Finally, if you do suspect fraud please go into the rental listing and scroll down to the MORE drop down menu that is just below the photo in blue. Click on FLAG you will get a dialogue box called listing error. Click on the down arrow called ERROR TYPE and choose suspected fraud. In the dialogue box, tell Trulia why you suspect this is a scam. The listing will be pulled down and if it is confirmed to be fraud it will NOT be put back up. And thank you in advance for making the world a better safer place.... more