VA loan post CH7 Question

[ddamage]

Hello fam. I have a quick question. I heard I can use my VA home loan 2 yrs after my CH 7 and was wondering if its 2 yrs from the filing date or discharge date? Thanks. 

[ShanetheMortgageMan]

It's the discharge date compared to the date of closing on your new VA loan, but if the bankruptcy was caused by extenuating circumstances (prolonged unemployment, medical, etc.) + you've re-established credit then it can be just a 1 year wait.  VA even allows less than 1 year in the rare circumstance that it was caused by the failure of a business you owned.

[ddamage]

Thank you so much. Mods feel free to delte this post.

[themachineguy]

This is the exact situation I'm in right now. I'm aiming to get a VA loan ASAP after BK7 discharge.

Thank ou