If you can prove that your bankruptcy was caused by an beyond your control (like the death of a primary wage earner), some lenders may shorten the waiting period for Conventional or USDA loans.

The "seasoning period" (waiting time) begins from the date your bankruptcy was or dismissed . Chapter 7 Bankruptcy Liquidation of assets to discharge most debts. Waiting Period FHA Loans VA Loans USDA Loans Conventional (Fannie/Freddie) Chapter 13 Bankruptcy A court-ordered repayment plan over 3 to 5 years. Waiting Period FHA Loans

How long you must wait to buy a home after bankruptcy depends primarily on the you filed and the type of loan you want to use.