THE EASY PLACE TO FIND OUT HOW LONG YOU NEED TO WAIT AFTER A NEGITIVE LIFE EVENT.

Conventional - 7 years.
FHA - 3 years from Transfer of title date.
USDA - 3 years from Transfer of title date.
VA - 2 years from Transfer of title date.

Conventional - 2 years from discharge or 4 years from dismissal.
FHA - 12 months histoory of current payments and a letter from bankruptcy Judge authorizing a home purchase.
USDA - 3 years with established credit.
VA - 2 years with established credit.

Conventional - 4 years.
FHA - 2 years with established credit.
USDA - 3 years with established credit.
VA - 2 years with established credit.

Conventional - 4 years (min 5% down).
FHA - 3 years from transfer of title date.
USDA - NO SEASONING REQUIRED, but must recieve a GUS approval.
VA - 2 years or no wait if no lates in 12 months.