Zillow Advice: Mortgage - We Need Financing http://www.zillow.com/advice-thread/We-Need-Financing/494618/ Zillow Advice | Zillow Real Estate Borrowers must wait least ... http://www.zillow.com/advice-thread/We-Need-Financing/494618/ Borrowers must wait least two years after the discharge date of a Chapter 7 Bankruptcy. The discharge date should not be confused with the date bankruptcy was filed. Sat, 21 Sep 2013 09:41:00 GMT http://www.zillow.com/advice-thread/We-Need-Financing/494618/ 2013-09-21T09:41:00Z [Advertising removed by Zillow ... http://www.zillow.com/advice-thread/We-Need-Financing/494618/ [Advertising removed by Zillow moderator. Please see our Good Neighbor Policy.] Sun, 28 Jul 2013 10:45:00 GMT http://www.zillow.com/advice-thread/We-Need-Financing/494618/ 2013-07-28T10:45:00Z Dave is right. The VA requirement ... http://www.zillow.com/advice-thread/We-Need-Financing/494618/ Dave is right. The VA requirement is typically 2 years if the automated underwrite will allow. The reason for the bankruptcy must be documented and not likely to reoccur. You will have problems with a home in need of significant repairs however on a VA loan but an FHA 203k (not a streamline 203k as the max is 35K out for repirs) would be your best bet for that as long as the repairs are not structurally related.&nbsp;<br/><br/>Hope it helps! Thu, 30 May 2013 18:15:00 GMT http://www.zillow.com/advice-thread/We-Need-Financing/494618/ 2013-05-30T18:15:00Z Chapter 7 bankruptcy&nbsp; ... http://www.zillow.com/advice-thread/We-Need-Financing/494618/ Chapter 7 bankruptcy&nbsp; normally requires&nbsp;:<br/>&nbsp;<br/>*a 4 year waiting period for&nbsp; convetnional financing <br/>* 2 year&nbsp; waiting period for FHA financing (&nbsp; FHA cant be used for&nbsp; 2nd home loans )<br/><br/><br/>You mention you and parents were involved in same BK&nbsp; but&nbsp; then mention different&nbsp; discharge dates ?<br/><br/> Thu, 30 May 2013 17:31:00 GMT http://www.zillow.com/advice-thread/We-Need-Financing/494618/ 2013-05-30T17:31:00Z