Can I get FHA after bankruptcy?
Yes. Chapter 7: typically 2 years from discharge. Chapter 13: may be possible after 12 months of on-time plan payments with court approval.
Plain-English explanation
Documented extenuating circumstances (medical, job loss outside borrower's control) can shorten the wait under FHA Handbook 4000.1. Re-established credit after the bankruptcy is the bigger underwriting question, not just the calendar.
What can change the answer?
Recent late payments, thin credit history, disputed accounts, lender overlays, and automated underwriting findings can change the answer.
Related
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Credit
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.