Can I Buy A House After Filing Chapter 13 -

: FHA, VA, and USDA loans typically allow applications after 12 months of successful, on-time payments within the repayment plan.

: While FHA and VA allow immediate application after discharge, many individual lenders (investor overlays) may still impose their own 1–2 year waiting periods. Key Requirements for Approval Can you buy a house after bankruptcy? | Rocket Mortgage can i buy a house after filing chapter 13

: Lenders require a perfect record of on-time payments to the trustee for at least the preceding 12 months. : FHA, VA, and USDA loans typically allow

If you wait until after your case is closed, the "seasoning period" (wait time) depends on the loan program and how the case ended. Wait After (Plan Completed) Wait After Dismissal (Plan Terminated) FHA Immediate / No waiting period VA Immediate / No waiting period USDA Immediate / No waiting period Conventional | Rocket Mortgage : Lenders require a perfect