| Loan Type | Chapter 7 Waiting Period | Chapter 13 Waiting Period |
|---|---|---|
| Conventional | 4 years from discharge | 2 years from discharge (4 yrs from dismissal) |
| FHA | 2 years from discharge | 1 year from discharge with court approval |
| VA | 2 years from discharge | 1 year from discharge (or while in Ch13) |
| USDA | 3 years from discharge | 1 year from discharge |