Can I Refinance With a VA Loan if I Have Declared Bankruptcy?

One of the many benefits of having or using a VA loan is that the underwriting guidelines are not as strict on VA loans as they are on conventional or other non-VA loans. Simply put, YES you can get or have a VA loan even after declaring bankruptcy.

It is important to understand however, that not all situations are the same and there are no clear cut answers to when and how you can refinance after declaring bakruptcy. We strongly suggest you work with an approved VA lender at LowVARates for guidance. A general rule of thumb is this:

1 yr after a chaprter 13
2 years after a chapter 7
immediately or during a chapter 13 (if trying to do a VA streamline)

Get answers to your other VA loan questions here.

Purchase Refinance
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