Has anyone had any success with getting a USDA Guaranteed Rural Development loan in less than three years after BK? My mortgage broker is insisting that it only needs to be two years, but from everything I’m reading online and by calling the local USDA office (although they don’t always know everything), it’s three years. Has anyone had any success in under three or have any info for me? My BK was discharged in 4/2013; it was filed in 12/2012. The USDA office said they never consider divorce an extenuating circumstance for BK even though in my case I would attribute it more to loss of income because my ex-husband was the sole financial provider and I was therefore left with no income and eventually needed to file for BK. Thanks in advance for any help.