VA waiting periods after Chapter 7 or 13 and how they compare with FHA. From The 2 Mortgage Guys at Luminate Bank, lending nationwide.
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Yes — VA loans are often possible after bankruptcy once waiting periods pass and credit is re-established. Chapter 7 is typically about two years from discharge; Chapter 13 may allow sooner with satisfactory plan payments and court approval. Ryan & Steve confirm your clock and residual income.
VA purchase after bankruptcy depends on chapter type, discharge or plan status, and re-established credit.
Waiting out the clock is only half the story — underwriters want a clean rebound and solid residual income.
Having the full bankruptcy file ready speeds underwriting.
Waiting periods differ — do not assume FHA or conventional rules apply to your VA file.
Related guides to help you compare options and move toward pre-approval.
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Ryan & Steve will verify your discharge or Chapter 13 dates, residual income, and lender overlays — then get you pre-approved when the clock clears.