Buying A House While In Chapter 13 【360p 2026】

While you are still making payments (pre-discharge), your options are primarily limited to government-backed loans. Buying A House While in Chapter 13 Bankruptcy | 2026

Buying a home while in an active Chapter 13 bankruptcy is entirely possible and often happens sooner than many borrowers expect. Because Chapter 13 involves a court-structured repayment plan rather than a total liquidation, lenders often view these borrowers more favorably than those in Chapter 7. Core Requirements for Mortgage Approval buying a house while in chapter 13

: You must have completed at least 12 consecutive months of on-time payments into your court-ordered repayment plan. While you are still making payments (pre-discharge), your

: Most loans for borrowers in an active bankruptcy require manual underwriting , where a human underwriter deeply scrutinizes your financial stability, residual income, and credit recovery. Eligible Loan Types & Waiting Periods Core Requirements for Mortgage Approval : You must