Can I buy a home after bankruptcy or foreclosure?

Yes. Waiting periods: Chapter 7 — 2 years FHA/VA, 4 years Conventional. Chapter 13 — 1 year of on-time payments FHA/VA with trustee approval. Foreclosure — 3 years FHA, 2 years VA, 7 years Conventional. Non-QM programs can finance as soon as 1 day out of the seasoning window with a larger down payment.