Most conventional lenders ( Fannie Mae /Freddie Mac) will not approve you until the bankruptcy is fully discharged or dismissed . Chapter 7: The Waiting Game
You can often apply for a government-backed mortgage (FHA, VA, or USDA) after just 12 months of on-time bankruptcy payments. can you buy a house while in bankruptcy
Because Chapter 13 involves a court-ordered repayment plan, lenders and the court often view it more favorably. Most conventional lenders ( Fannie Mae /Freddie Mac)