Buying A House During Chapter 13 〈2025〉

: Most conventional lenders (backed by Fannie Mae or Freddie Mac) will not approve a mortgage until your Chapter 13 is fully discharged or dismissed. This usually requires a 2-year waiting period after discharge. Essential Requirements

Buying a home during a Chapter 13 bankruptcy is entirely possible and often happens faster than people expect. While Chapter 7 filers typically must wait years after a discharge, Chapter 13 filers can sometimes qualify for a mortgage while still in their multi-year repayment plan. Timing and Loan Options buying a house during chapter 13

The type of mortgage you choose largely determines how long you must wait. : Most conventional lenders (backed by Fannie Mae