I just got my Chapter 13 Bankruptcy discharged on May 18, 2018 after a 60 months of on time payments and flying colors. My credit scores are in the upper 600's with no late payments throughout my entire Chapter 13 Repayment process. I have $30,000 to put down on a home purchase in Los Angeles County California. Prices on homes I want to purchase are around $550,000 to $650,000. I am a W2 income wage earner. I have been a fan of Gustan Cho Associates for over 2 years and read the almost every single blog Mr. Gustan Cho has written about FHA loans and Chapter 13 Bankruptcy so Gustan Cho Associates has educated my wife and I so you can call us experts on qualifying for FHA LOANS and Bankruptcy Guidelines. Mr. Cho's website has answered more questions than any bankruptcy attorneys as well as other loan officers. My question to the experts at Gustan Cho Associates is can I qualify for FHA loan with a manual Underwrite on W2 income only mortgage FHA loan? Since I don't have a 2 year seasoning after my Chapter 13 Bankruptcy my file needs to be a manual Underwrite. I cannot find any blogs in qualifying for FHA W2 INCOME ONLY MORTGAGE on a manual Underwrite. I am planning on applying for a FHA W2 INCOME ONLY mortgage with Gustan Cho Associates in the coming weeks. I also want to thank the staff of Gustan Cho Associates for having such an informative informational thorough website. AMAZING website with tons of valuable information, data, news, and resources.