The following is for a VA loan:
If it was a Chapter 13, then you need to have either completed the plan payments and re-established credit, OR at least 12 months of payment plan must have been made and the Trustee approval is needed.
If it was a Chapter 7, then it is 2-years since discharge and re-established credit. It is possible to obtain a VA loan after 1 year of discharge if the cause was from extenuating circumstances. (Extenuating circumstances are nonrecurring events that are beyond the applicantâ€™s control that result in a sudden, significant, and prolonged reduction in income or a catastrophic increase in financial obligations.)