The type of bankruptcy you filed (Chapter 7 or Chapter 13) and the mortgage program you choose determine your required wait time. Getting A Mortgage After Bankruptcy - Bankrate
Buying a home after filing for bankruptcy is achievable through a process known as "," where lenders require a specific waiting period to pass after your bankruptcy is discharged or dismissed. While a bankruptcy remains on your credit report for 7 to 10 years , its negative impact on your mortgage eligibility lessens significantly within the first two years of responsible financial behavior. Post-Bankruptcy Waiting Periods by Loan Type filing bankruptcy and buying a house