Regular Contributor
Posts: 135
Registered: ‎01-04-2012
Re: VA loan Journey!!!

StartingOver10 wrote:

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.

totally agree!

FICO EQ: 633 8/15/12
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012

May your limits be high and your balances low!