So I have a question. I realize that there is a 2 year wait after discharge for a conventional mortgage post chapter 13. My 13 was 60 months plus 4 painful months after the last payment until I was discharged. Basically, I want to know for people that have had a 60 month 13 do you have to wait until 2 years from discharge or can you start the mortgage process when the 13 falls off your report? Basically with possible early exclusion my ch 13 should be gone from my reports between November 2016 to January 2017 and 2 years from discharge is 6/2017.
I really dont don't want to go FHA because the loan limit is lower than what I'd need spend. Houses are expensive in my town the FHA limits won't allow for the size house I need to accommodate 4-5 bedrooms.
Thank you you in advance for your input.
Discharged Ch.13 6/24/15
Scores on discharge EQ669 TU650 EX654
current scores EQ776 TU775 EX758
WF $2500 WF $3000 Discover $6000 Target $1200 Amazon $5000 Jcrew $5250 Lowes $8300 Tjmaxx $5000 Cap1 $14750 venture $25500 jetBlue $21000 pier1 $5000 Amex $10000x2 AMEX $21,000 BoA$8000 CitiDC$8000
