It will vary depending on the requirements of the lender and things like your income, credit score, debts, and other non-bankruptcy factors. While we cannot guarantee that anyone will qualify for a mortgage, in our experience, debtors may qualify for a mortgage 2-4 years after a Chapter 7 has been filed (again, depending on lender requirements, income, credit score, etc.). Debtors may qualify for a mortgage during or after a Chapter 13 bankruptcy (again, depending on lender requirements, income, credit score, etc.).