Buying or Selling a Home After Bankruptcy

Learn waiting periods and steps needed to buy a home after a bankruptcy discharge.

Step-by-Step Guide

1
Aggressively Rebuild Your Credit Score
2
Adhere to Mandatory Waiting Periods (FHA vs Conventional)
3
Accumulate Your New Down Payment & Reserves
4
Obtain Mortgage Pre-Approval with Bankruptcy Disclosure
5
Begin Your Property Search with a Specialist

Process Timeline

Phase 1

Preparation

Planning, documentation, and initial consultation.

Phase 2

Active Market

Execution of the search or marketing strategy.

Phase 3

Success/Close

Finalizing legal and financial requirements.

Expert Advice

Waiting Periods: FHA is typically 2 years after Chapter 7; Conventional is 4 years. Please confirm with your specific lender. Visit our Life Transitions hub for seller info.
Download the Guide

Related Resources

Expert Consultation

Get personalized advice from Jonathan Fitzgerald, Broker Associate with 20 years of experience.

By submitting this form, you consent to be contacted by Jonathan Fitzgerald and Charles Rutenberg Real Estate by phone, text message, or email regarding your real estate inquiry, including through automated technology. Consent is not a condition of any purchase. Message and data rates may apply. Your information is kept confidential and is never sold or shared with third parties.

Click to Call

(407) 900-5020

Office Address

631 S Orlando Ave #200
Winter Park, FL 32789