Post-Bankruptcy Guidelines. Chapter 13 bankruptcy. You’ll need to wait 24 months after receiving your discharge, or 48 months after a dismissal (cases often get dismissed for failing to complete a plan). If you’ve filed more than one bankruptcy within the preceding seven years, you’ll have to wait five years.

But if you discharge the mortgage debt in your bankruptcy, you do NOT have to wait three years after the actual foreclosure. This means hundred of people I know, and tens of thousands nationally, can buy a house again a year or two sooner.

What types of home loan can you get after bankruptcy? The process for buying a home after Chapter 7 bankruptcy, or even Chapter 13 bankruptcy, depends on what type of loan you apply for. Each one has a different "seasoning" period, which determines how long you have to wait until you qualify again.

If you’re set on buying, work hard to boost your credit profile and get a good handle on your mortgage options long before you begin shopping for a home. Buying After Bankruptcy

You could qualify for a mortgage as quickly as one year after your bankruptcy is discharged. It depends on what type of bankruptcy you filed, what kind of loan you are pursuing, and how long a "waiting period" is involved, but if you get your financial house in order – specifically repair the damage to your credit score – you could walk into a new home not long after you walk out of bankruptcy court.

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How long after bankruptcy can you get a mortgage? You’ll usually need to wait until after your bankruptcy has been discharged to apply for a mortgage. The amount of time you have to wait is known as the waiting period. The length of your waiting period will depend on the type of bankruptcy you filed and the type of loan you’re seeking.

A chapter 13 bankruptcy is when you restructure your debt and get on a payment plan, and it does not disqualify you from obtaining an FHA mortgage. You can get an FHA loan in as little as one year after filling a chapter 13 bankruptcy.

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