VA home loans after bankruptcy    

To obtain an FHA loan or a VA home loan after  bankruptcy, you must wait two years from the date your Chapter 7 is discharged. You can obtain an FHA loan during a Chapter 13 bankruptcy as long as you have made 12 months of satisfactory Chapter 13 plan payments, but you must have bankruptcy court approval to get the loan.In order to qualify for VA home loan after bankruptcy, you need to provide an explanation for your filing.


Can you get a mortgage loan a year after a chapter 7 discharge?

the VA handbook says that the waiting period is one year from the discharge date for a chapter 7, and 2 years from a foreclosure, which is one year earlier for both circumstances, than the typical 2 and 3 for FHA loans.

VA home loan rule also states that you might be eligible if you have the following requirements

  • Were discharged with an honorable discharge
  • Were placed on the retired list
  • Were transferred to the Standby Reserve
  • Continue to serve in the Selected Reserves

To qualify for a VA home loan, there are certain VA home loan rules and regulations to be followed.The VA home loan rule that governs the eligibility of a serviceman is as follows

California Veterans with active duty service during World War II (who were not dishonorably discharged) and later periods are eligible for VA loan benefits.

According to the VA home loan rules, here are three specific pieces of documentation a lender will need to determine your eligibility

  • A DD214 for discharged veterans.
  • A statement of service foractive military personnel.
  • A certificate of eligibility to determine you have VA entitlement.

Another most asked question is what FICO score is required to apply for VA loan? Or what is the minimum FICO score required? The answer to this solely depends on the lenders, few of the lenders may accept FICO score as low as 620 while others require a minimum of 640

You have more than 6 years of service in the National Guard or reserves.


  • You're the spouse of a service member who died in action or from a service-related disability.


Can I get a VA loan?

To qualify for a VA loan, you must have approved credit, earn enough income and get a Certificate of Eligibility.

You served 90 days straight during wartime.

You served 181 days straight during peacetime.

VA Loan Tips for Disabled Veterans


The VA Loan Funding Fee Is Waived

If you currently receive disability benefits and have not yet closed on your VA loan, your funding fee is waived and you do not have to pay it

Additional Articles

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Disabled Vets Additional Benefits
Disabled veterans receive all the benefits VA home loans have to offer with a few advantages.
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Irvine CA
Irvine, California 92612


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