Here are the seasoning periods necessary after a borrower files for bankruptcy protection.
FHA Financing with 3.5% Down
Chapter 7 (Debt Liquidation) BK: 2 years from discharge
Chapter 13 (Debt Payoff Plan) BK: 0 years with court approval if borrower is still in the BK.
All Bankruptcies: 4 years from discharge
All Bankruptcies: 4 to 7 years from discharge, depending on investor.
All Bankruptcies: 0 years, but the down payment will need to be 20% or more
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