You do not get disqualified for VA home loan in cases where you or your spouse have been judged for bankruptcy. Below are the rules which apply to such cases: – The bankruptcy is not considered if it was discharged more than 2 years back – In cases where bankruptcy was discharged in the last 1 or 2 years, it would not be possible to determine whether you or your spouse are at satisfactory credit risk until both of the requirements are fulfilled. – Until you and your spouse have re-established the credit according to the standard requirements. – The reason and circumstances of you or your spouses bankruptcy was beyond your control, like medical bills, unemployment, etc. – In cases where the bankruptcy was discharged within the last 12 months, it will not be possible for you and your spouse to determine the standard credit risks.