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Obtaining A Home Loan After Bankruptcy

One question people often ask me when considering a bankruptcy concerns their ability to one day own a home again. Basically, they ask, “Will I ever be able to qualify for a home loan again?”

The simple answer is, “Yes!” There is hope because underwriting guidelines have changed in recent years to help people qualify under certain conditions. One important consideration is the waiting period for purchasing a home after bankruptcy.

Please take a look at the chart below for basic guidelines, and download a PDF of the chart here for handy reference. Above all, call me if you have any questions at all!