how long after bankrupcy can you apply for a loan have already repair my credit by renting and buying a new carand got some new credit cards?

Asked by negraa727, Clearwater, FL Thu Mar 28, 2013

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Jordan Bette…, Mortgage Broker Or Lender, Turlock, CA
Fri Mar 29, 2013
BK Ch 7 or 11 - FHA is 2 yrs or 1 w/ extenuating circumstance. Conventional is 4 years or 2 w/ extenuating circumstance. VA generally follows the same as FHA.

BK Ch 13 - 1 year w/ 12 month satisfactory payments to trustee. Must have court permission to incur new debt. If not fully discharged 2 years. Must be manually UW. Conventional is 2 years from discharge date, 4 years from dismissal date.

Extenuating Circumstances are generally medical event, not typically divorce.
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