Merely "waiting out the clock" is rarely sufficient for mortgage approval. Lenders scrutinize your behavior during the seasoning period to ensure the financial crisis was an isolated event rather than a pattern.
The clock for homeownership typically starts on the date of your (when debts are legally cleared) or dismissal (when the case is closed without a discharge). how long after bankruptcy can you buy a house
Because this involves a 3-to-5-year repayment plan, lenders often view it more favorably. Merely "waiting out the clock" is rarely sufficient
How to Buy a House After Chapter 7 Bankruptcy - Hurst Law Firm how long after bankruptcy can you buy a house