How Soon After Filing Bankruptcy Can You Buy A House -

The "seasoning period" or waiting time officially starts from the date of your bankruptcy (when your debt is legally cleared) or dismissal (when the case is closed without clearing debt). Chapter 7 (Liquidation) Chapter 13 (Reorganization) Conventional 2 years after discharge; 4 years after dismissal FHA 1 year (or immediately after discharge) VA 1 year (or immediately after discharge) USDA 1 year (or immediately after discharge) Can you buy a house after bankruptcy? | Rocket Mortgage

You can buy a house as soon as after your bankruptcy is discharged or dismissed, depending on the type of bankruptcy and the loan program you choose. If you pay in cash , there is typically no waiting period . Mortgage Waiting Periods how soon after filing bankruptcy can you buy a house