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.
What this actually means.
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.
Where this can move.
Recent late payments, thin credit history, disputed accounts, lender overlays, and automated underwriting findings can change the answer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.