Chapter 13 | Can I Buy A House After Filing

Buying a home after filing for is entirely possible and often happens much sooner than with other types of bankruptcy. Depending on the loan type, you may even be able to purchase a house while still in your active repayment plan . Buying During an Active Chapter 13 Plan

: Lenders require a perfect record of on-time payments to the trustee for at least the preceding 12 months. can i buy a house after filing chapter 13

If you wait until after your case is closed, the "seasoning period" (wait time) depends on the loan program and how the case ended. Wait After (Plan Completed) Wait After Dismissal (Plan Terminated) FHA Immediate / No waiting period VA Immediate / No waiting period USDA Immediate / No waiting period Conventional Buying a home after filing for is entirely