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Loan after discharged BK 7

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gsa795 Joined: 09 Nov 2009 Posts: 1 1.25 Dollars($)	Posted: Mon Nov 09, 2009 2:31 pm    Post subject: Loan after discharged BK 7 Like 0 Dislike 0 Hi Need a lender for a home in TX FILED chapter 7 15 months ago its been discharged for 13 months now. stong income and 100k with 80000 in 401k .. can use some for down.
jenkin7 Joined: 04 Jun 2007 Posts: 4537 Location: Hawaii 728.43 Dollars($)	Posted: Mon Nov 09, 2009 10:12 pm    Post subject: Like 0 Dislike 0 Hi gsa, You will have to wait for at least 2 years after discharge from chapter 7 bankruptcy in order to get a home loan. After 2 years, you can apply for an FHA loan, given you have improved your credit since the discharge. If you want a conventional loan, you need to wait for 3-4 years.

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