Open an existing borrower file or create a new one to begin.
or open recent file ▾| Event | Conv (FNMA) | FHA | VA | USDA |
|---|---|---|---|---|
| BK Chapter 7 | 4 yr from discharge | 2 yr from discharge | 2 yr from discharge | 3 yr from discharge |
| BK Chapter 13 | 2 yr from discharge / 4 yr from dismissal | 1 yr on-time plan payments (trustee approval req.) | 1 yr on-time + trustee approval | 1 yr from discharge |
| Multiple BKs | 5 yr from most recent discharge | 3 yr from most recent | 3 yr | 3 yr |
| Foreclosure | 7 yr from completion | 3 yr from completion | 2 yr from completion | 3 yr from completion |
| Deed-in-Lieu / Short Sale | 4 yr from completion | 3 yr from completion | 2 yr | 3 yr |
| Collections / Judgments | Must be paid or on payment plan | Must be paid at/before closing | Case-by-case | Must be paid |