Chapter 7 bankruptcy. FHA will consider you for a mortgage two years after your Chapter 7 discharge. You will have to show a positive credit history during those two years, with no significant credit blemishes. But having no real credit history will not necessarily knock you out of the running. If you can show the FHA that the conditions leading to your bankruptcy were out of your control, like a spouse's death, natural catastrophe, or severe medical issues, FHA will reduce the waiting period to 12 months. You will have to provide documentation demonstrating that you’ll be able to make the payments on the new mortgage. Chapter 13 bankruptcy. FHA will guarantee a mortgage loan as soon as 12 months after you file your Chapter 13 case if you’ve made your Chapter 13 payments on time, and you can show that you can afford the mortgage payments. If you plan to purchase a home while you’re in a Chapter 13 case, you will also have to get permission from the bankruptcy court to take on new debt.
申请人是个Owner Operator卡车司机，收入相当不错。因为2018年刚破产，现在信用分数只有635，破产原因他自己说是年轻时不懂事。这人最近想买房子，申请了两个房贷都被拒了，只能继续租房。按常理说，他现在应该老老实实付房租，攒几年credit，以后可以申请房贷。
这个出租房在好区，我自己以前没跟700以下的租客打过交道，但是被不少信用不好的contractor害的焦头烂额，所以不敢以自己理解的常理来推测这个申请人会不会老实付房租，特地来跟老地主们请教一下。谢了！
Chapter 7 bankruptcy. FHA will consider you for a mortgage two years after your Chapter 7 discharge. You will have to show a positive credit history during those two years, with no significant credit blemishes. But having no real credit history will not necessarily knock you out of the running. If you can show the FHA that the conditions leading to your bankruptcy were out of your control, like a spouse's death, natural catastrophe, or severe medical issues, FHA will reduce the waiting period to 12 months. You will have to provide documentation demonstrating that you’ll be able to make the payments on the new mortgage. Chapter 13 bankruptcy. FHA will guarantee a mortgage loan as soon as 12 months after you file your Chapter 13 case if you’ve made your Chapter 13 payments on time, and you can show that you can afford the mortgage payments. If you plan to purchase a home while you’re in a Chapter 13 case, you will also have to get permission from the bankruptcy court to take on new debt.