@mrmagic9799 wrote:
Ok, I'm confused... Does this mean if you filed a BK AND included a previous mortgage you have to wait the 2-4years or if you filed and had no mortgage the same waiting period applies?
Having or not having a mortgage is not what determins the wait time. Filing bankruptcy is what determines the wait time.
By the way, I used BTW program to finance my home purchase one year post bankruptcy. Most who apply won't qualify. Killer documentation requirements and hard to find a lender that can handle it.