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What is the name of your state? TX
How long will it be before we could do a 90% loan. Both my spouse and I are re-establishing credit and want to buy a home 15 months after discharge, is that feasable?


Senior Member
2 years is the least amount you can expect .. and that from FHA and you MUST have squeaky clean credit for that 2 years.

Soooooooooooo... are you working to clear up your credit reports post-bankruptcy ? If not, you need to get cracking. Inaccuracies abound and you have to start disputing them and cleaning up those entries that do not say 'included in bankruptcy'. Accounts should be Zero Balances, no lates post-discharge, and nothing else either.

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