Typically requires 3% to 5% for first-time buyers.

No waiting period (with 12 months of on-time payments and court approval) Conventional (Fannie/Freddie) 2 Years from discharge; 4 years from dismissal 🛠️ Essential Steps During the Wait

A single late payment after bankruptcy can reset your progress with lenders. 💰 Save for a Down Payment FHA: Requires as little as 3.5% down.

To ensure you qualify as soon as the clock runs out, focus on these three areas: 📈 Rebuild Your Credit