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Can I get a mortgage after I file bankruptcy?

Posted by Ellen Brown | Oct 20, 2023

Absolutely!  Most of our clients have successfully qualified for a mortgage within three years of filing.

To increase your chances of getting approved for a mortgage after bankruptcy, it is important to do the following:

  • Work on rebuilding your credit: This may involve getting a secured credit card, paying your new debts on time, and keeping any car loans current.

  • Save up for a down payment: A larger down payment can help to offset the risk that a lender takes on when lending to you, which can increase your chances of getting approved for a mortgage.

  • Get pre-approved for a mortgage: Working with a lender to get pre-approved for a mortgage can help you understand what you can afford and what you need to do to increase your chances of getting approved.

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