Credit
Can I get a mortgage one year after bankruptcy?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
In a Chapter 13, yes — you can buy after 12 months of on-time plan payments with trustee approval on FHA and VA loans. After a Chapter 7 discharge, the standard wait is two years for FHA and VA.
Some non-QM lenders offer financing one day out of bankruptcy with a larger down payment. We'll tell you whether to wait for the better-priced government loan or use a flexible program now.
Related Credit Questions
Have a follow-up question?
Talk to a licensed Florida mortgage broker — no cost, no obligation.