Potentially immediate or after 1 year, though these often require higher down payments and interest rates. ⚡ How to Fast-Track Your Approval

The "clock" starts the day your bankruptcy is officially by the court, which usually happens 4–6 months after your initial filing. FHA & VA Loans: 2 years. USDA Loans: 3 years. Conventional Loans: 4 years.

While you wait, your focus should be on proving you are a low-risk borrower. How to Buy a House After Chapter 7 Bankruptcy