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Understanding Bankruptcy Mortgage
Bankruptcy can feel like the end of your homeownership dreams, but it is actually a fresh start with a clear path forward. FHA loans allow qualification 2 years after Chapter 7 and 1 year into Chapter 13. VA loans require a 2-year wait. Conventional loans require a 4-year wait after Chapter 7. Non-QM options may be available even sooner. Understanding these timelines and preparing during the waiting period is the key to success.
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Frequently Asked Questions
The waiting period depends on the bankruptcy type and loan program. FHA: 2 years after Chapter 7, 1 year into Chapter 13. VA: 2 years after Chapter 7, 1 year into Chapter 13. Conventional: 4 years after Chapter 7, 2 years after Chapter 13 discharge. Non-QM: potentially sooner with compensating factors.
Yes. FHA loans may be available 1 year into your Chapter 13 repayment plan if you have been making all payments on time and receive court approval. This allows you to buy a home while still in your repayment plan, making the transition to homeownership faster.
Start with a secured credit card, make all payments on time, keep credit utilization below 30%, and gradually add different types of credit. Avoid applying for too many accounts at once. Within 12-24 months of disciplined credit management, many borrowers see significant score improvements.
FHA loans still require just 3.5% down after the waiting period, which is the same as any other borrower. Non-QM loans may require 10-20% or more. VA loans still offer zero down for eligible veterans. The key is meeting the waiting period and rebuilding your credit during that time.
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