Daniel, perhaps you should leave the lending answers to the licensed loan officers as your answer was way off. I see that you corrected it after the correct answer was posted. I think it'd have been better to just delete your post as it looks worse to correct it after the right answer is posted without acknowledging you misquoted guidelines.
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.