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After Bankruptcy Redesign

After bankruptcy

Buying a home after bankruptcy may still be possible

Understand the factors lenders review and why the right timing depends on your complete situation.

A past bankruptcy does not make every mortgage option unavailable. Eligibility depends on the bankruptcy type and dates, the selected loan program, your financial recovery, and the lender requirements that apply to the complete file.

Your complete history

What a lender may review

  • The bankruptcy chapter, discharge or dismissal status, and relevant dates
  • Payment history and credit established after the bankruptcy
  • Current income, debts, assets, and available down payment
  • The property, occupancy, and loan program being considered

Program requirements

Timing is not one-size-fits-all

  • Waiting requirements differ among mortgage programs and underwriting paths
  • Chapter 13 cases may involve payment-history and court-permission requirements
  • Individual lenders may apply additional standards
  • Final approval depends on the full application and underwriting review

A careful comparison

Review the available path without promises

Village Mortgage can help you compare programs, document your circumstances, and understand the lender requirements that may apply. Rates, costs, down payment, timing, and approval vary by borrower and program.

Source: HUD FHA Single Family Housing Policy Handbook 4000.1

This is general educational information and is not a commitment to lend or a guarantee of approval.

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