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From that point, youâre typically looking at a four-year wait for conventional loans and a two-year wait for either FHA or VA financing. Chapter 13 bankruptcies can be a little different. You might be able to land a conventional loan two years after a Chapter 13 discharge. FHA and VA loans are even more lenient. Borrowers can be eligible for these government-backed loans just a year removed from filing a Chapter 13 bankruptcy.