Kentucky VA Loan Requirements after a bankruptcy, foreclosure, short sale below:

- Foreclosure: 2 years from foreclosure completion date and date transferred back to the lender
- Deed in Lieu: 1-2 years with re-established credit and acceptable extenuating circumstances; 3 years without
- Short Sale: 2 years from previous sale closed date and new owner transfer date
- Bankruptcy Chapter 7: 2 years
- Bankruptcy Chapter 13: 1 year with bankruptcy court approval for mortgage process; 2 years from discharge
Senior Loan Officer
phone: (502) 905-3708


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