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The FHA is generally more flexible than conventional lenders in its qualifying guidelines. In fact, the FHA allows you to re-establish credit if:

  • two years have passed since a bankruptcy has been discharged
  • all judgments have been paid
  • any outstanding tax liens have been satisfied or appropriate arrangements have been made to establish a repayment plan with the IRS or state Department of Revenue
  • three years have passed since a foreclosure or a deed-in-lieu has been resolved
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