Year Old Bankruptcy and Getting funding

[Joshua Seguine]

Hello all,

So I have the goal of getting my first property this year. Due to life happenings over the past couple years I had to file bankruptcy, (chapter 7) which is discharged. Its on the record as May 2019. So this year is my first year down, originally I was told that FHA is only a year long requirement but my recent research is showing that its a 2 year requirement on FHA or even VA. So I am at a little bit of a struggle now to figure out my options. Thankfully money is no longer my issue with a steady career and paycheck. Sadly tough times had happened and I took that hit. My credit score is averaging around a 650 right now.

Any advice, ideas? Thank you in advance!