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Mortgage Research Center, LLC Not affiliated with or endorsed by the Dept. of Veterans Affairs or any govt. agency. NMLS #1907. Not available in NV or NY. Legal

Frequently Asked Questions

What happens if I file bankruptcy and wish to buy another home at some point?

Veterans who file for bankruptcy are still allowed to use a VA home loan if they are eligible. Unfortunately the process does require a waiting period. You are allowed to purchase another home two years after the "discharge date" of your bankruptcy. Keep in mind that the filing date does not factor in-you must wait the two years after bankruptcy has been discharged. Once you are eligible to buy another home, the usual credit and income requirements apply.

MORE: Learn about the credit requirements for VA loans.

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Compare Top VA Purchase Lenders

Take the guesswork out of finding a VA Loan provider. Veterans United Home Loans created this site to educate and empower military homebuyers. Regardless of what lender you pick, it's always a good idea to compare and know your options.

  • NMLS #1907
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    • Veterans United ranks No. 1 in Customer Ratings for VA purchase lenders, according to ratings and reviews collected by TrustPilot.
    • In 2020, Veterans United closed 60,462 VA Purchase Loans, which was 9% of all VA Purchase Loans closed nationwide last year.
  • NMLS #401058
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    • USAA ranks No. 5 in Customer Ratings for VA purchase lenders, according to ratings and reviews collected by TrustPilot.
    • In 2020, USAA closed 21,878 VA Purchase Loans, which was 8% of all VA Purchase Loans closed nationwide last year.
  • NMLS #399807
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    • Navy Federal ranks No. 3 in Customer Ratings for VA purchase lenders, according to ratings and reviews collected by TrustPilot.
    • In 2020, Navy Federal closed 19,586 VA Purchase Loans, which was 6% of all VA Purchase Loans closed nationwide last year.
  • Customer Ratings: Customer Ratings based on ratings and reviews provided by TrustPilot. VALoans.com is not affiliated with TrustPilot and has no control or influence on how users rate each lender.
  • 2020 VA Loans: Total VA loan volume for fiscal year 2020 as reported by the Department of Veterans Affairs (FY 2020 Lender Loan Volume).