Buying A House While In Chapter 13 ✭

: You must have completed at least 12 consecutive months of on-time payments into your court-ordered repayment plan.

: You must obtain a "Motion to Incur Debt" from the bankruptcy court. This requires showing the court that the new mortgage is in your best interest and will not jeopardize your ability to complete your repayment plan. buying a house while in chapter 13

: Most loans for borrowers in an active bankruptcy require manual underwriting , where a human underwriter deeply scrutinizes your financial stability, residual income, and credit recovery. Eligible Loan Types & Waiting Periods : You must have completed at least 12

While you are still making payments (pre-discharge), your options are primarily limited to government-backed loans. Buying A House While in Chapter 13 Bankruptcy | 2026 : Most loans for borrowers in an active

Buying a home while in an active Chapter 13 bankruptcy is entirely possible and often happens sooner than many borrowers expect. Because Chapter 13 involves a court-structured repayment plan rather than a total liquidation, lenders often view these borrowers more favorably than those in Chapter 7. Core Requirements for Mortgage Approval

To qualify for a home loan during an active Chapter 13 case, you must generally meet the following federal and lender-specific criteria: