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How Long Do I Have to Wait After Bankruptcy?
Bankruptcies happen. I had one myself back in the market crash of 2008.
You can still get a home loan if you’ve had one. There is a waiting period that you will need to go through before you’re eligible again.
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Government Programs – FHA, VA, USDA
For chapter 7 bankruptcies, the wait time is two years before you are eligible to purchase a home.
For chapter 13 bankruptcies, one year of on time payments will need to be made before you are eligible to purchase a home.
Conventional
For chapter 7 bankruptcies, the wait time is two years before you are eligible to purchase a home.
For chapter 13 bankruptcies, one year of on time payments will need to be made before you are eligible to purchase a home.
What can I do in the meantime?
Some alternative programs are available to those with a recent bankruptcy. If you would like more information reach out to us (916)358-9130 or email lindsay@applywithcare.com