11/20/2022 0 Comments Sudden strike mac os x![]() ![]() If only one year has passed but circumstances beyond the borrower’s control caused the bankruptcy, it may be possible to get a VA mortgage before the two-year mark. Like HUD, the Departments of Veterans Affairs (VA) requires borrowers to wait at least two years from the date of chapter 7 discharge before closing on a VA home loan. The waiting period can be as little as one year if you can document extenuating circumstances. Department of Housing and Urban Development (HUD) requires borrowers to wait two years from discharge of a chapter 7 bankruptcy before they can qualify for an Federal Housing Administration (FHA) mortgage. However, the waiting period goes down to two years if you can document extenuating circumstances that caused your bankruptcy.
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