Buying A: Home After Bankruptcy Discharge

Most lenders look for at least two years of consistent employment history.

You must provide your full bankruptcy petition, discharge papers, and often a Letter of Explanation detailing the cause of the bankruptcy and your subsequent recovery. Steps to Take Now buying a home after bankruptcy discharge

Meeting the waiting period is only the first step. Lenders from sites like Bankrate and Rocket Mortgage typically require: Most lenders look for at least two years

Contact specialized lenders early to understand exactly when you will be eligible for a mortgage pre-approval . buying a home after bankruptcy discharge

Use AnnualCreditReport.com to ensure all discharged debts are correctly marked as "included in bankruptcy" with a $0 balance.