Getting a Mortgage While in Chapter 13 Bankruptcy: What You Need to Know

This roadmap is a quick visual guide for borrowers in an active Chapter 13 repayment plan. Most approvals require at least 12 on-time plan payments and written court or trustee permission, plus full underwriting review.

Download the Chapter 13 Mortgage Roadmap (PDF) Full Chapter 13 Mortgage Guide Start Free Pre-Qualification

Quick reminders:

• Chapter 13 eligibility is commonly considered after 12 on-time plan payments (no late trustee payments).
• Written permission from the bankruptcy court or trustee is typically required before closing.
• FHA, VA, and USDA may be options during Chapter 13; conventional loans generally require discharge.
• Final approval depends on income, debts, credit re-establishment, and full underwriting review.