Husband & I just filed chapter 7 bankruptsy brought on by medical, failed back surgery. How long to wait to use VA home loan?

Asked by Linda M., Carson City, NV Thu Apr 7, 2011

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Lisa Wetzel and Jim Valentine’s answer
Lisa Wetzel…, Agent, Gardnerville, NV
Tue Jul 17, 2012

With all things considered, I think they can apply in two years if the rest of their credit is intact. I'm working with a couple just now and that is the standard they were given by their lender. They are getting ready to buy in September.

Lisa Wetzel
RE/MAX Realty Affiliates
1320 Hwy 395
Gardnerville, NV 89410
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Claudia L To…, Agent, Reno, NV
Fri Dec 13, 2013
It is a waiting period of 4 years. I was a Lender for 27 years, so I have the VA Guidelines. If it is medical and you can prove it, then it is only a waiting period of 4 years. Call if you have anymore questions. There are particular items you want to keep so you can pre-qual easily.
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Shirley Lark…, Agent, Reno, NV
Fri Aug 12, 2011
I believe you will have to wait the full 7 year period however this is a great question for a lender. I recommend calling Shayla Gifford at Guild Mortgage 775-200-0155. She is a knowledge powerhouse and will definitely be able to give you the answers you need.
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