Community Leader
Super Contributor
Posts: 6,870
Registered: ‎03-06-2010
Re: VA loan Journey!!!

It is probably just that lender. The underwriting criteria that I see most often for a VA loan after a BK is the following:  For a Ch 7 BK 2 years after discharge or 12 months to 23 months for extenuating circumstances.  For a Ch 13 BK you can get financed with a VA loan after you have made 12 months of your BK 13 payments on time and you have trustee permission.


For that lender to say the BK has to fall off your report - that is extremely harsh. Find another lender.