As John correctly points out the two year window is a must for getting a loan approved post bankruptcy. But remember, just because you have waited two years does not mean you will automatically qualify for a home loan. Your credit must be 620 or better and you need to have the income and the down payment to qualify for the property you are interest in. One more thing, it is very important that you have paid your bills on time since the bankruptcy discharge. Any late payments showing up on your credit after the bankruptcy will further restrict your ability to buy.
Email me if you need further clarification.
Timothy Brown | Senior Loan Officer
Academy Residential Mortgage, Inc.| firstname.lastname@example.org
11380 Southbridge Pkwy, Suite 200 | Alpharetta, GA 30022
678.468.5626 x110 | fax 678.935.1156 | cell 678.467.9959