How Long Before You Can Get a Mortgage Loan Again?

As a Bankruptcy and Foreclosure Attorney, I am frequently asked how long after Bankruptcy, Foreclosure, or Short Sale a mortgage loan can be obtained. While everyone’s situation is different, the following table is a good overview. It elaborates on the relationship between mortgage loan, and bankruptcy, foreclosure, or short sale.

Chapter 7 Bankruptcy or Chapter 11 Bankruptcy4 Years
Chapter 13 Bankruptcy2 Years from discharge4 Years from dismissal date
Multiple Bankruptcy Filings5 Years if more than 1 filing within the past 7 years
Foreclosure3 – 7 years depending on extenuating circumstances which would require additional documentation
Deed-in-Lieu of foreclosure-Foreclosure Sale


Short Sale

2 years- 80% max LTV ratios4 years- 90% max LTV ratios


3 years from completion date

Greater LTVs can require up to 7 years

If you have questions about foreclosure, loan modification, bankruptcy, or other alternatives, please feel free to call my office at 888-886-0020, send an e-mail to, or complete the contact form below.