How long did it take you to get Mortgage after chapter 7 & Foreclosure?

[michaelrj9]

As the title states:

How long did it take you to get a Mortgage after a chapter 7 & Foreclosure.
I am trying to get some real world scenario's on how long it took you to get a Mortgage after a chapter 7 with a foreclosure.

How long did it take?
What kind of loan?
What bank?
Also please note what was your credit Pre & Post BK. I.E No late payments on credit report except only the last 3-4 months during the BK. A few late payments throughout the years. A lot of late payments throughout the years.

Etc.

Thanks

[Tom_Mi]

Can't vote, haven't moved out yet. But I have a small local bank that lends their own money. Their underwriter said he'll disregard the house and ch7 (discharged april09) as long as I'm 700 fico and (ouch) 25% down.

My wife starts her job Monday, and we're gonna save like madmen between now and summer.

[newimges]

We got a 15 year loan at 4.75% with 30% down 16 months after chapter 7 through the credit union. They lend their own money as well.

Our credit was great pre-bankruptcy - hubby and I both had scores in the 800's with no late payments until about 6 months before filing. Since the bankruptcy - no late payments or anything negative. Our credit scores are in the low 600's currently.