Kentucky Mortgage Options Post-Bankruptcy Explained

How Long after a Bankruptcy Can I Qualify for a Kentucky Mortgage?

Some bankruptcy lenders can assist with your mortgage application. They can help even if it’s just one day after you exit chapter 7 or chapter 13 bankruptcy. You will likely need a larger down payment and show that you are taking financial steps to improve your credit.

We will show you some mortgage options after bankruptcy. Then, we will connect you with some of the best bankruptcy lenders. We understand that you are dealing with a lot and having a bankruptcy is not easy. Let us help guide you through this process.

Kentucky FHA, VA, USDA and Conventional Mortgage after bankruptcy waiting period chart

We will take you through some mortgage after bankruptcy options. Then, we will connect you with some of the best bankruptcy lenders. We understand that you area dealing with a lot and having a bankruptcy is not easy. Let us help guide you through this process.

Type of LoanChapter 7Chapter 13
Conventional4 years2 years
FHA2 years1 year
VA2 years1 year
USDA3 years1 year
Subprime1 day1 day

Mortgage after Bankruptcy Waiting Period

Every type of loan has different waiting period requirements. Here are some of the basics:

Depending upon your scenario, we can find a mortgage for you just ONE DAY after your bankruptcy has been discharged. The rules for applying for a mortgage is the same regardless as to whether you filed a chapter 7 bankruptcy or chapter 13 bankruptcy.

Mortgage Waiting Period After Bankruptcy Discharge