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So: try to buy a home which have bad credit it is possible to? Having a section seven bankruptcy proceeding (if your bills are completely wiped), the fresh new soonest you can see home financing was a couple of years immediately after your personal bankruptcy is actually released - when this occurs, you happen to be able to be eligible for a great Virtual assistant otherwise FHA financing. If you're able to reveal that the factors causing your own bankruptcy proceeding was basically from your control (including medical expenses), this waiting several months is drop so you're able to 1 year. To own a traditional mortgage, be prepared to hold off a minimum of couple of years when your activities was basically extenuating, and you can four years once they…