In this video, I explain that the waiting period to buy a house after bankruptcy depends on the type you filed—Chapter 13 reorganization might allow you to purchase within a couple years, while Chapter 7 typically requires waiting about four years for a conventional mortgage. I note that you can eventually qualify for all standard mortgage types (FHA, conventional, VA), though conventional takes longest after bankruptcy. To repair your credit after bankruptcy, I recommend quickly establishing good payment history through secured credit cards (where you provide cash collateral), maintaining low credit utilization, and avoiding excessive credit applications.
