Bankruptcy Debt-to-income ratio FHA loan 
Redfin
AUGUST 5, 2025
Key takeaways: It is possible to buy a house after bankruptcy and many individuals successfully achieve home ownership post-bankruptcy. Waiting periods for mortgage eligibility vary depending on the type of bankruptcy and loan program. Many individuals successfully purchase a home after navigating the bankruptcy process.
Rochester Real Estate
NOVEMBER 5, 2015
While this type of loan is a good option for many real estate consumers, I believe there are several quirks all buyers should know about and understand if they are considering an FHA loan. Did you know if you file a Chapter 13 bankruptcy, you can immediately apply for an FHA loan? Happy house hunting!
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Redfin
AUGUST 5, 2025
After such a stressful time, you may wonder, “Can I get an FHA loan after a foreclosure?” ” The answer is yes – borrowers can get an FHA loan after a foreclosure. However, you’ll face a waiting period, also known as the FHA foreclosure waiting period.
Realty Biz
APRIL 5, 2022
One of the frequently asked questions during today’s booming housing market is can I qualify for a mortgage during Chapter 13 Bankruptcy. Chapter 13 Bankruptcy is a court-approved debt repayment plan where their debts are restructured over a period of three to five years. Trustee approval is required.
Realty Biz
MARCH 16, 2023
If qualifying for a conventional loan is difficult, and you aren't eligible for VA or USDA loans, an FHA loan could be the answer. FHA loans allow you to pay 3.5% But there are also downsides to FHA-insured loans. So is this type of loan right for you? What are FHA Loans?
Rent, Buy & Sell
FEBRUARY 7, 2021
Great credit allows people to get the best interest rates on various types of loans. Bad credit is usually the result of late bill payments, bankruptcy, foreclosure and loan defaults. These loans are backed by the Federal Housing Administration and only require a minimum credit score of 500.
Marco Santarelli
SEPTEMBER 30, 2023
FHA mortgage rates are typically higher than conventional mortgage rates, but they can be a good option for borrowers with lower credit scores or smaller down payments. The minimum credit score for an FHA loan is 580 with a 3.5% However, many FHA lenders require credit scores of at least 620. can qualify for an FHA loan.
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