Buying A House During Chapter 13 Apr 2026

Buying a home during a Chapter 13 bankruptcy is entirely possible and often happens faster than people expect. While Chapter 7 filers typically must wait years after a discharge, Chapter 13 filers can sometimes qualify for a mortgage while still in their multi-year repayment plan. Timing and Loan Options

: These government-backed programs are the most common paths. You can typically apply after making 12 months of on-time payments in your court-ordered plan. buying a house during chapter 13

Even if you meet the 12-month mark, you must clear several high hurdles: Can I Get a Mortgage While in Chapter 13 Bankruptcy? Buying a home during a Chapter 13 bankruptcy

: Most conventional lenders (backed by Fannie Mae or Freddie Mac) will not approve a mortgage until your Chapter 13 is fully discharged or dismissed. This usually requires a 2-year waiting period after discharge. Essential Requirements You can typically apply after making 12 months

The type of mortgage you choose largely determines how long you must wait.