two years after discharge from Bk and you have re-established credit are the guidelines for most programs. Minimum credit score for most lenders is 620 although FHA does allow lower credit scores. Unfortunately any late payments or derogatory credit will be really scrutinized after the BK. The banks are very unforgiving depending on the circumstance. BK is not the end of the world. It is like wiping the slate clean however you will be judged based on how you handle your credit afterwards. Good Luck
Yes you should give BB&T to an opportunity. BB&T has been around 139 years. since 1852. We offer loans for the 1st time buyer as well as folks looking to purchase their second home. We were ranked #1 by J.D. Powers in mortgage customer service for 2010.
Just like an open wound TIME is what heals credit. Every month that you pay your bills on time helps improve your score. The mistake that many people make when paying off accounts is that they close them also. You need to keep one or two major credit cards open. The credit agency need open accounts to rate your credit.
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