How long after bankruptcy to qualify for convential home loan

4 years for Chapter 7 or 11; 2 years with extenuating circumstances. 2 Years from discharge with Chapter 13; 4 years from Dismissal. FHA is 2 years.

1 year with a Chapter 13. 2 years with a Chapter 7. Need a 620 credit score. We are direct lenders. Shoot me an email for an approval. Thanks.

Fannie Mae announcement SEL-2010-08 Dated June 23, 2010. https://www.efanniemae.com/sf/guides/ssg/annltrs/pdf/2010/sel1008.pdf Question was "Conventional" loan.

4 years if it's your only bankruptcy in the last 7 years, maybe less with extenuating circumstances; good luck finding a lender who considers extenuating circumstances, anymore, though. Be careful with this one, too, because unless your credit score has rebounded significantly since the bankruptcy, the conventional pricing adjustments for credit scores will get expensive on a conventional loan. Don't rule out FHA financing after a bankruptcy; the pricing and guidelines are both more understanding.

2 years from discharge on Chapter 7 and 2 years after file date for Chapter 13