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Will i be able to buy a house even though i just had my bankrupcy almost 2yrs?

  • April 17 2013 - Quartz Hill
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Answers (6)

Good Morning,

The minimum waiting period for FHA is 2 years.  I'd be happy to do a free credit check to see what your scores are.  Feel free to reach out to me for more information.

Thanks!!!
  • April 18 2013
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Profile picture for JoshBarnettREIB
Click on the Mortgage tab above, type in the zip code you will be buying in, call a couple lenders that pop up and go over your situation with them.
  • April 18 2013
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Chapter 7 is a 7 year wait since day of discharge. Chapter 13 is 24 months from the time of discharge. You will need to check the type of bankrupt you have and the time it ends. 
  • April 18 2013
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Profile picture for Go Huskers
"If your BK was discharged 2 years ago and you have 3.5% down payment and a 640 FICO score there is a good chance you can qualify for a mortgage. I am in West Palmdale."
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What is your NMLS#?
  • April 18 2013
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If your BK was discharged 2 years ago and you have 3.5% down payment and a 640 FICO score there is a good chance you can qualify for a mortgage. I am in West Palmdale.
  • April 17 2013
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If you had a Chapter 7 bankruptcy, you can buy a home using an FHA loan 2 years from discharge date.  Of course, lenders will still consider your FICO score and your ability to pay.

  • April 17 2013
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