square Top bankruptcy attorney | Expert
Select Page

Purchasing A House After Bankruptcy

You worked hard. Rebuilt your credit. It can be yours!
Call Now!

You can buy a house quickly after bankruptcy. Merna Law can help.

Stop Foreclosure - Virginia Beach, Norfolk, Chesapeake, Portsmouth, Suffolk, Newport News, Hampton, Yorktown, Richmond, Chesterfield, Henrico

How soon can I buy a house after bankruptcy?

Most mistakenly think that bankruptcy ruins your credit permanently.  They couldn’t be more wrong.  You can rebuild you credit to the point of qualifying for a home purchase within three years after your bankruptcy.  Three things factor into your ability to purchase a house after bankruptcy. First, your credit score.  You can rebuild your credit score quickly after a bankruptcy.  You have to actively work at it.  Check out our recovery program for help. Second, you have to be able to afford the mortgage payment. Third, you have to meet the qualifying amount of time since your bankruptcy which is generally three years.

Hundreds of Virginians purchase houses after bankruptcy each years. You can too.


Recover Your Credit Quickly

Many don’t understand that it is not the filing of a bankruptcy that hurts their credit.  It is generally the poor payment history or financial difficulty that made them consider bankruptcy..

Affording The Mortgage

No matter how good your credit score becomes or how little you owe in debt, you will never be able to purchase a home unless you can show you can afford the mortgage payment.

Loan Modification

These agreements change the terms of the old mortgage. Frequently, the interest rate can be modified and the delinquent amount of the loan added to the outstanding amount.

More about buying a home after bankruptcy.

  • Take out small, control debt to build your score.

  • Get a security credit card to help credit reporting.

  • Commit to your plan to purchase a house in 3 years.

Merna Top Awards
Merna Top Awards
Merna Top Awards
Merna Top Awards


 The Merna Law Group, Attorneys At Law, P.C. Didn’t have to worry about anything!5 Stars! “Just keep providing the type of service you do. You business values are based off reliability and service. Today’s Law Offices just don’t offer that kind of experience. Didn’t have to worry about anything!!! Just being able to go on with my normal life and know that all my issues are well taken care of is a relief in itself.” Reviewed by A.P. of Virginia Beach on Mar 4 . 
 The Merna Law Group, Attorneys At Law, P.C. …very helpful and friendly!5 Stars! “Everyone at the office was very helpful and friendly. The attorney answered all of our questions and helped us through the entire process. He was also very helpful answering concerns that we had after the process was completed/over. Highly recommended!” Reviewed by M.E. of Virginia Beach on Mar 11 . 
 The Merna Law Group, Attorneys At Law, P.C. …debt free!5 Stars! “A friendly staff and outstanding attorney who helped me through a difficult time in my life. Thanks to everyone at the Merna Law Group who helped me move on to and new chapter in my life debt free!” Reviewed by M.F. of Norfolk on Mar 8 . 
 The Merna Law Group, Attorneys At Law, P.C. …kind and friendly from the start!5 Stars! “Everyone there was kind and friendly from the start and helped us with everything in a timely manner. They were never rude no matter how much we called or asked questions.” Reviewed by B.P. of Virginia Beach on Feb 20 . 
 The Merna Law Group, Attorneys At Law, P.C. …overall experience was outstanding!5 Stars! “My husband and I were very happy with The Merna Law Firm. They are well organized, time manageable, and friendly. I was even able to bring my children with me if I needed to. In court, they stayed right there beside us and answered all questions we had. Our overall experience was outstanding and I am glad we were represented by the Merna Law Group.” Reviewed by A.M. of Suffolk on Mar 5 .