Can You Buy A House After Bankruptcy Apr 2026

Yes, you can absolutely buy a house after bankruptcy, but you will typically need to wait for a "seasoning period" to pass before qualifying for a mortgage. While the bankruptcy remains on your credit report for 7 to 10 years, most loan programs allow you to apply much sooner—sometimes in as little as one year.

The clock generally starts from your (when the court finalizes the case) or your dismissal date (if the case was closed without completion). Can you buy a house after bankruptcy? | Rocket Mortgage can you buy a house after bankruptcy