Yes — FHA often allows purchase after Chapter 7 in about 2 years, or sooner in Chapter 13 with a solid payment history. See timelines with The 2 Mortgage Guys.
Yes — FHA often allows purchase after Chapter 7 in about 2 years, or sooner in Chapter 13 with a solid payment history. See timelines with The 2 Mortgage Guys.
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Yes — a bankruptcy does not permanently block FHA financing. Chapter 7 commonly requires about two years from discharge. Chapter 13 can open earlier when you have a satisfactory payment history in the plan and meet documentation rules. Ryan and Steve map your exact dates so you know when you can shop.
Timing depends on the chapter, how the case resolved, and lender overlays.
Waiting out the clock is only half the story — underwriters want a clean rebound.
Having the full bankruptcy file ready speeds underwriting.
A focused plan turns “not yet” into a dated pre-approval target.
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Related guides to help you compare options and move toward pre-approval.
Run the numbers before you apply — then get a real pre-approval from Ryan or Steve.
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Ryan & Steve will confirm your Chapter 7 or 13 timeline, review re-established credit, and show whether FHA — or another program — gets you into a home sooner.
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Ryan Minick NMLS# 203249
Steve DeLon NMLS# 202876
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1221 Appletree Lane, Kokomo, IN 46902
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