Lenders require a "seasoning period" to ensure you have stabilized your finances. This waiting period starts from your bankruptcy (when the court wipes the debt) or dismissal date (when the case is closed without a discharge).
Buying a House After Bankruptcy: Your Path to Homeownership While filing for bankruptcy can feel like a permanent roadblock to homeownership, it is actually a temporary setback. You can absolutely buy a home after bankruptcy, provided you complete the mandatory waiting periods and take active steps to rebuild your financial profile. 1. Mandatory Waiting Periods how to buy a house with bankruptcy