Can You Buy A House While In Chapter 13 May 2026

: You can apply after making at least 12 consecutive on-time payments to your bankruptcy trustee.

Yes, you can buy a house while in Chapter 13 bankruptcy , but it requires careful coordination between your attorney, the court, and a specialized lender. Unlike Chapter 7, which usually requires a total discharge before you can apply for a mortgage, Chapter 13 allows for home purchases during the repayment plan if certain conditions are met. Eligibility & Waiting Periods can you buy a house while in chapter 13

: Most lenders will not approve these while you are still in a plan; you must usually wait 2 years after discharge . Key Requirements for Approval : You can apply after making at least

Is It Possible to Buy a Home While in Chapter 13 Bankruptcy? | ABI Eligibility & Waiting Periods : Most lenders will

: Eligible veterans and service members can apply after 12 months of on-time payments .

While you are in an active Chapter 13 repayment plan, your mortgage options are primarily limited to government-backed loans. Conventional loans typically require you to wait until after discharge.

: These generally require 12 months of on-time payments and are limited to qualified rural areas.