late payment after bk

[shangrila]

Hi all... my ch7 was discharged in June of '09, and after realizing that my sallie mae was no longer deferred, i had one 30 late payment after the discharge (family deaths, unemployment, college, all had me near a mental breakdown).

My husband and I are now on track to buy a home (we're looking at around november??). He is a Veteran, and I was wondering if the late from '09 will hinder us in any way?

his credit scores are in the 700's and mine are around 640, for reference

[T5257Z]

Does anyone have an answer to this question?

My husband and I have the same issue - post bk late on a student loan. How long will that keep us from getting the loan?

[scorpion35]

My husband and I have the same issue - post bk late on a student loan. How long will that keep us from getting the loan?

another 2 years for FHA ,3 or more for a regular mortgage

[dspii]

Post filing date, they cannot report any payments if you included your mortgage in BK...I'm sure you did. If you stay clean, you should be ok....but then again most brokers and underwriters don't know how to handle a BK and a prior mortgage.