Home purchase after bankruptcy..What is the what is the waiting period to qualify for a mortgage in California after a bankruptcy. We walked away from our home in 2011 to relocate to due to mother getting cancer. Our home was upside down by 200k and had too much income to qualify for DIL/ or short sale. As of this date (6/2014) they have yet to foreclose. Does the waiting period start after the bankruptcy or the foreclosure? Also I was not on the mortgage I was just listed as right of survivorship. My credit score is above 800 and my husbands is around 680. I do not work and my husbands salary is 140k a year.June 12 2014 - Placerville00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.