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For a cash-out refi on a home the borrower lives in, generally, the lowest credit score is 640, according to Fannie Mae's standards. But such a loan comes with caveats. The borrower can't have an LTV ratio higher than 75%, must have 6 months of reserves in the bank and a debt-to-income ratio of 36% or lower.
For FHA and VA the waiting period is 2 years after discharge of Chapter 7,for Fannie (including Homepath)the waiting period is 4 years. If You are in a Chapter 13 you may be eligible after 1 year with 12 months satisfactory payments to the trustee under FHA and VA guidelines.hapter 7: The minimum waiting period for an FHA insured mortgage is 2 years since the discharge date of the Chapter 7 bankruptcy as long as you have reestablished your credit and have not taken on new credit obligations.