Significant Derogatory Events

Bankruptcy (Chapters 7 or 11)

• Waiting period of four years from the discharge or dismissal date

Bankruptcy (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