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mailman07

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using a va home loan after bankruptcy
I used a va loan to buy a home and filed bankruptcy. can I get another va loan

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You wouldn't want to.

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VA and FHA do have some interesting, "Back to work" programs that you may qualify for depending on the circumstances that lead up to the bankruptcy but I don't believe you would get another Entitlement for zero down.  May also be ineligable for governement finacing through FHA and Rural Development as well (depending on the loss the lender and VA took).  Conventional would be the best option.  Google: "Conventional Financing after a bankruptcy including a home loan" and you can research everything you need to know (you could try FHA and VA as well.  Also, you should know that since the home was included in the bankruptcy, your waiting period will be the same as if you had a, "Deed in Lieu."  Its important to know two things, the Discharge date AND the date the deed was transfered back to the bank.  That will be the start of your waiting period which is typically 24 mos. to 7 years depending on the reason and your downpayment re-established credit.  If you would like, you can email me and I  find you a Loan Officer in your area for you to talk to. 

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