How Soon Can You Buy A House: After Chapter 7

Lenders use a "seasoning period" to ensure you have re-established financial stability after your bankruptcy discharge. : 2 years from the discharge date. VA Loans : 2 years from the discharge date. USDA Loans : 3 years from the discharge date.

: 4 years from the discharge or dismissal date. Exceptions for Extenuating Circumstances how soon can you buy a house after chapter 7

In specific cases, you may qualify for a mortgage sooner—sometimes in as little as for FHA loans or 2 years for conventional loans. To qualify, you must prove the bankruptcy was caused by a non-recurring event beyond your control, such as: How Soon Can I Qualify for a Mortgage After Bankruptcy? Lenders use a "seasoning period" to ensure you