Kentucky FHA Loans and requirements for a loan approval after a bankruptcy, foreclosure, short sale

Kentucky FHA loans guidelines for after a bankruptcy, foreclosure, short-sale below:

• Foreclosures: 3 years from the foreclosure completion date and transferred back to the lender to the credit report date
• Short Sale: 3 years from the title transfer date
• Bankruptcy Chapter 7: 2 years from the discharge date. If a property is surrendered in chapter 7 bankruptcy, it is considered to be possible foreclosure which could increase waiting time
• Bankruptcy Chapter 13: 1 year wait with a scheduled payment plan on liabilities factored into debt-to-income ratio and bankruptcy court approval for mortgage process or 2 years from discharge date