text:  An initial idea that it's here to help make this possible, to help expand access. And so it does allow veterans and service members to bounce back faster in the wake of one of those negative credit outcomes. So conventional loans and FHA loans, the guidelines look a bit different and they're a little more stringent. And with VA loans, the Chapter 13 bankruptcy, for example, you can be in position to close on a home just a year from the bankruptcy being filed.