How to Buy a House After Chapter 7 Bankruptcy - Hurst Law Firm
Require a 2-year wait from the discharge date or 4 years from a dismissal.
This chapter typically stays on your credit report for 10 years.
Merely "waiting out the clock" is rarely sufficient for mortgage approval. Lenders scrutinize your behavior during the seasoning period to ensure the financial crisis was an isolated event rather than a pattern.