Bankruptcy Seasoning Requirements - 0 to 7 YearsHere 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.

Conventional Financing

All Bankruptcies: 4 years from discharge

Jumbo Financing

All Bankruptcies: 4 to 7 years from discharge, depending on investor.

Non-QM Financing

All Bankruptcies: 0 years, but the down payment will need to be 20% or more

Here are some additional tips for buying a home after bankruptcy.

Jay Voorhees
Founder/Broker | JVM Lending
(855) 855-4491 | DRE# 1197176, NMLS# 310167

    Get your instant rate quote.
    • No commitment
    • No impact on your credit score
    • No documents required
    You are less than 60 seconds away from your quote.

    Resume from where you left off. No obligations.