Duane Buziak Explains: The Bankruptcy Mortgage Waiting Period and When You Can Qualify Again
The bankruptcy mortgage waiting period is the minimum time you must wait after a discharge or dismissal before a new home loan can be approved, typically one to four years in 2026 depending on the chapter filed and the loan program. This guide from mortgage broker Duane Buziak breaks down each program’s clock, what lenders check once the wait ends, and how to compare options without a hard credit inquiry.