Bankruptcy FHA loan Loan Officer 
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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Housing Wire
SEPTEMBER 22, 2023
Kim: Bankruptcies and layoffs are still happening. Duncan: I was looking at the bankruptcy data. It’s just gotten back to the pace of bankruptcy we saw in 2019. It is true [consumer] bankruptcies have been rising but from extremely low levels. DPA programs were predominantly for FHA loans.
Realty Biz
SEPTEMBER 30, 2023
Government-backed programs: Government-backed mortgage programs, such as FHA loans, VA loans, and USDA loans, often have more relaxed credit score requirements. Seek professional advice: Working with a mortgage professional, such as a loan officer or mortgage broker, can provide valuable guidance.
HomeLight
SEPTEMBER 30, 2021
Another good bet is to speak to your friendly loan officer. Below is a rundown of some popular loan programs for first-time buyers. Department of Housing and Urban Development (HUD) — is a government-backed mortgage loan. This means that should you default on the loan, the FHA will protect the lender.
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