Can I Buy A House After Filing Chapter 13 May 2026

: You must obtain written approval from the bankruptcy court and your trustee to take on new debt.

You do not necessarily have to wait for a discharge (completion of the plan) to qualify for a mortgage. can i buy a house after filing chapter 13

If you wait until after your case is closed, the "seasoning period" (wait time) depends on the loan program and how the case ended. Wait After (Plan Completed) Wait After Dismissal (Plan Terminated) FHA Immediate / No waiting period VA Immediate / No waiting period USDA Immediate / No waiting period Conventional : You must obtain written approval from the

: Lenders require a perfect record of on-time payments to the trustee for at least the preceding 12 months. Wait After (Plan Completed) Wait After Dismissal (Plan

: While FHA and VA allow immediate application after discharge, many individual lenders (investor overlays) may still impose their own 1–2 year waiting periods. Key Requirements for Approval Can you buy a house after bankruptcy? | Rocket Mortgage