Mortgages During Chapter 13 Bankruptcy



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✨ Mortgages During Chapter 13 Bankruptcy ✨

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1. FHA and VA Mortgage During Chapter 13

* VA and FHA mortgages have the same guidelines for qualifying during the Chapter 13 Bankruptcy repayment period. You need to have made 12 months of timely payments to the trustee, and you need the permission of the bankruptcy trustee.

* Most will not have any issues in getting bankruptcy trustee Approval as long as they are able to afford their proposed housing payment. It needs to be manual underwriting. Borrowers with higher debt to income ratios need to be otherwise highly qualified.

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