Recent Credit Event Loans — Bankruptcy & Foreclosure OK
Qualify for a mortgage even after a recent bankruptcy, foreclosure, short sale, or deed-in-lieu. Waiting periods as short as 1 day after discharge in some programs.
Get Matched FreeProgram Highlights
- Bankruptcy OK (Ch. 7 and Ch. 13)
- Foreclosure OK
- Short sale OK
- Deed-in-lieu OK
- Waiting periods as short as 1 day
- 580+ credit score
- Primary residence eligible
- Available in 48 states
Mortgages After a Credit Event
A bankruptcy, foreclosure, or short sale does not have to mean years of waiting before you can buy a home again. Non-QM lenders offer programs specifically designed for borrowers who have experienced a recent credit event — with waiting periods far shorter than conventional or FHA guidelines.
Conventional loans typically require 2-7 years after a bankruptcy or foreclosure. Many Non-QM programs require as little as 1 day after a Chapter 7 discharge, 12 months after a Chapter 13 discharge, or 1-2 years after a foreclosure or short sale.
These programs typically require a larger down payment (20-30%) and carry higher interest rates than conventional loans — but they provide a path back to homeownership when other options are not available. As your credit rebuilds, you can refinance into better terms.
Our network includes lenders who specialize in credit recovery programs across 48 states. We will match you with the right specialist based on the type of event, how long ago it occurred, and your current credit profile.
Program Guidelines
Min. Credit Score
580+
After Ch. 7 BK
As little as 1 day
After Foreclosure
As little as 1 day
After Short Sale
As little as 1 day
Min. Down Payment
20-30%
Property Types
Primary, Investment
Frequently Asked Questions
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Tell us your scenario and we'll connect you with a licensed specialist who handles this exact loan type — at no cost to you.
Start Free Match- No credit pull
- No upfront fees
- 48 states covered
- Response within 24 hrs
Related Programs
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Need to boost your credit score before applying?
Many credit-event programs require 580+ and improving. The free Credit Fix Kit gives you the dispute letter templates and a 90-day plan to accelerate your score recovery — so you qualify sooner and on better terms.
Get the Free Credit Fix Kit