Can you still obtain a loan for a new home even after you had filed for chapter13?

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2026-03-07 16:20

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Yes, it is possible to obtain a loan for a new home after filing for Chapter 13 bankruptcy, but there are specific conditions. Generally, you need to have made at least 12 months of timely payments under your repayment plan, and you'll need to get permission from the court if you're still in the bankruptcy process. Additionally, lenders may require a higher credit score and a larger down payment than usual. It's advisable to consult with a mortgage lender familiar with post-bankruptcy situations for tailored guidance.

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