Q: Due to the economy many potential home buyers may have some credit issues…What if filed Chapter 13 bankruptcy? How long do I have to wait before I can get qualified for a home loan?

1. Conventional loan…48 months after discharge.
2. FHA loan…12 months after discharge.
3. VA loan…12 months after discharge.
4. RD loan…36 months after discharge.

Credit: Russ Ogden, Nola Lending Group LLC