House While In Chapter 13 — Buying A

: You must obtain a "Motion to Incur Debt" from the bankruptcy court. This requires showing the court that the new mortgage is in your best interest and will not jeopardize your ability to complete your repayment plan.

While you are still making payments (pre-discharge), your options are primarily limited to government-backed loans. Buying A House While in Chapter 13 Bankruptcy | 2026 buying a house while in chapter 13

To qualify for a home loan during an active Chapter 13 case, you must generally meet the following federal and lender-specific criteria: : You must obtain a "Motion to Incur