How To Buy A House After Chapter 7 Bankruptcy

You can buy a home afetr a Chapter 7, once you have 24 monthes or 2 years from the Discharge date. It is very important to get that exact discharge date, since that is the date you calculate from, not the file date.

People who have completed a chapter 7 bankruptcy discharge may qualify to buy a house after bankruptcy with an FHA home loan within two years from the discharge. For those who have opted for a Chapter 13 bankruptcy, the waiting period will be one year after the final payment of the plan has been made.

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Each loan has a different time you must wait before you can buy a home after a Chapter 7 BK. Typically, you can expect to have to wait two years after the discharge of your bankruptcy, but the USDA loan does require a three-year waiting period.

Even if you have a Chapter 7 or Chapter 13 bankruptcy on your credit report, you can still buy a home after a certain period of time. The exact length depends on several factors, including the type of bankruptcy and the type of home loan you’d like to get.

For FHA and VA mortgage loans: You will need to wait one year after a Chapter 13 bankruptcy, and two years following a Chapter 7 bankruptcy. For USDA mortgage loans : You will need to wait one year after a Chapter 13 bankruptcy, and three years following a Chapter 7 discharge.

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Buying a house after bankruptcy is not impossible-although it sure may seem that way at first. While time is the only true medicine for recovering from a bankruptcy, there are steps you can take now to help kick start the healing process.

Please NOTE: I am not a Financial Adviser I am merely giving steps that worked for me! 1.day 1 after Bankruptcy has been discharged get a secure line of credit 2. also same day et a secure loan 3.

Buying a house after bankruptcy: Ways to woo a lender. To start the mortgage process, lenders require a detailed letter explaining why you needed to file for bankruptcy in the first place. Ideally, the bankruptcy would have been caused by an extenuating circumstance beyond your control-such as the death of an income-contributing spouse,

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