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As a rule of thumb the discharge date must be two years plus before qualifying for a home loan. Now, this is the most commonly overlooked piece of important information: The existing credit at the 2 year mark should be free of any negitive information and show satisfactory reistabilished credit post bankruptcy. Usually negative info from the bankruptcy lingers until it is addressed and corrected on the repositories. This can take some time to get corrected. My advice is to speak and sit down with a credentialed Loan Originator to prepare for the future purchase whether it be this year or next.
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For Sale: $137,500
For Sale: $244,900
For Sale: $95,000