This depends on whether or not the bankruptcy was a Chapter 7 or Chapter 13. A Chapter 13 bankruptcy is typically 12 months with court approval for the purposes of getting a mortgage with at least a 620 credit score or better.

Lets assume for our purposes it was a Chapter 7 bankruptcy, the full liquidation. This is oftentimes the most common bankruptcy consumers go for, so for our purposes will look at the guidelines surrounding the full discharge.

On an FHA loan or VA loan, it’s three yea or rather 24 from the date last reported on the credit report of when the bankruptcy was discharged. It’s a 48 month window on conventional loans.