Borrowers can often qualify for FHA or VA loans just 12 months into their court-ordered repayment plan, provided they have trustee approval and perfect payment history.
When you are ready to apply, you will need to provide "compensating factors" to reassure the underwriter. The "Letter of Explanation" buying a home after bankruptcy and foreclosure
2 years of tax returns and 30 days of pay stubs to prove . Borrowers can often qualify for FHA or VA