Significant Derogatory Events

Bankruptcy (Chapters 7, 11, 13)

• Chapter 7 and 11: Waiting period of four years from the discharge or dismissal date
• Chapter 13: Waiting period of four years from the dismissal date or two years from the discharge date

Foreclosure

• Waiting period of seven years from the discharge date

Pre-Foreclosure/Deed-in-Lieu/Short Sale

• Waiting period of four years