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Chapter 13 bankruptcy makes things a little complicated when it comes to obtaining another mortgage. You can apply for a loan with as few as 12 timely payments on a Chapter 13 plan, with the court's consent. Essentially, it is on a case by case basis and it is best to consult a trusted mortgage professional in your area with your specific scenario to determine your eligibility.

I'm a loan officer, so I am very familiar with this topic.

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10y ago
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Q: Has anyone applied for a new mortgage after filing Bankruptcy Chap13 less than the 2 year recommended period?
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