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FHA Waiting Periods After Bankruptcy

Filing for bankruptcy does not permanently disqualify you from getting an FHA loan. HUD has established specific waiting periods, after which borrowers can once again qualify for FHA-insured financing. The waiting period depends on the type of bankruptcy:

Extenuating Circumstances Exception

HUD recognizes that some bankruptcies result from events beyond the borrower's control. If you can document extenuating circumstances, such as a serious illness, job loss due to company closure, or death of a wage earner, you may be able to qualify sooner. Under this provision, the waiting period for Chapter 7 may be reduced to one year. You must provide documentation of the event and show that your finances have recovered, as outlined in HUD Handbook 4000.1.

Rebuilding Credit After Bankruptcy

The waiting period is also an opportunity to rebuild your creditworthiness:

What About Foreclosure?

If your bankruptcy also included a foreclosure, the waiting period is generally three years from the date of the foreclosure sale, deed-in-lieu, or short sale. If both a bankruptcy and foreclosure occurred, the longer of the two waiting periods applies. For example, if you had a Chapter 7 discharge and a foreclosure that completed one year later, you would need to wait three years from the foreclosure date rather than two years from the bankruptcy discharge.

Next Steps

If you are approaching the end of your waiting period, start by pulling your credit reports, reviewing your score, and connecting with an FHA-approved lender who has experience working with post-bankruptcy borrowers. A HUD-approved housing counselor can also provide free guidance on preparing for homeownership after financial hardship. Find a counselor at HUD.gov.

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