• Chapter 7 - 2yrs discharged
• Chapter 7 - 1yr discharged with extenuating circumstances
• Chapter 13 - 1yr discharged
• Chapter 13 - Discharge through closing (considered Cashout)
• 0x30 on Bankruptcy and no other derogs since

• Tradeline requirements determined by DU Findings
• Disputed Accounts referred to DE Underwriter unless:

• account has zero balance;
• account is marked as "paid in full" or "resolved" OR;
• account has both balance < $500 and date of dispute > 24mos

• No seasoning required if last 12 months payments paid on time; AND
• Installment debt payments paid on time during same period

• Max 45% with non-occupant co-borrower
• Max 50% when gift funds are used
• Max 50% when payment shock exceeds 65% of current housing expense
• Max 50% for FTHB with no housing history & LTV > 80%
• Max 50% for High Balance
  

• Minimum FICO 620
• 2nd Appraisal ordered through and paid by Nations Direct
  
• Property Inspection paid through closing