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“can I get a mortgage during chapter 13”
Yes, you can get a mortgage while still in a Chapter 13 repayment plan. FHA allows applications after 12 months of on-time plan payments with court trustee approval.
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- 1Currently in Chapter 13 repayment planSolution exists
- 2Want to buy before dischargeSolution exists
- 3Renting is more expensive than owningSolution exists
- 4Need stable housing for familySolution exists
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FHA During Chapter 13
After 12 months of on-time trustee payments, FHA allows mortgage applications with court approval.
Available nowCourt Approval Process
Your bankruptcy attorney petitions the court for permission to incur new debt. Most trustees approve if payments are manageable.
May take timeNon-QM Options
Some Non-QM lenders work with active Chapter 13 borrowers with sufficient down payment.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200In Chapter 13? You may qualify for a mortgage right now.
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Frequently Asked Questions
FHA requires 12 months of on-time trustee payments. You also need court permission and your trustee must approve the additional debt.
FHA minimum is 580 for 3.5% down. Many Chapter 13 borrowers rebuild to this level within their first year of the repayment plan.
The court will evaluate whether you can afford both the plan payments and the mortgage. If the mortgage replaces rent of a similar amount, approval is common.
In Chapter 13? You may qualify for a mortgage right now.
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