Buying a House After Bankruptcy in San Antonio

This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation.

Mortgage Waiting Periods

Loan TypeAfter Ch. 7After Ch. 13
FHA2 years1 year on-time payments
VA2 years1 year on-time payments
USDA3 years1 year on-time payments
Conventional4 years2 years from discharge

San Antonio Advantages

  • Affordable market -- median home prices below national average
  • No state income tax -- better debt-to-income ratio
  • Military community -- VA loans at JBSA with no down payment
  • Unlimited homestead -- once purchased, equity fully protected
  • Strong job market -- military, healthcare, tech, tourism

Frequently Asked Questions

How long after bankruptcy can I buy a house?

FHA/VA: 2 years after Ch. 7, 1 year into Ch. 13. Conventional: 4 years after Ch. 7.

Can I get a VA loan?

Yes. San Antonio (JBSA) is a major military community. VA loans require 2-year wait after Ch. 7 or 1 year of on-time Ch. 13 payments.

Does the homestead exemption help?

Yes. Once you buy, Texas unlimited homestead protects all your equity.

Does no state income tax help?

Yes. More take-home pay improves your debt-to-income ratio for mortgage qualification.

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