you may be authorized for a main-stream Fannie/Freddie home loan in as low as 2 yrs following the release of a Chapter 13 bankruptcy, and something 12 months for the FHA or VA loan.
The typical minimum is 36 months after property property foreclosure, but also right here that may be paid down to just one 12 months when you can show extenuating circumstances, like a short-term task loss or crisis that is medical.