Buy a Home While in Chapter 13 Bankruptcy
Most people don’t realize this—but you can buy a home while you’re still in a Chapter 13 bankruptcy. If you’ve filed Chapter 13, you only need to wait 1 year from the filing date and have 12 on‑time payments to the trustee to qualify.
⭐ Rebuild Your Credit the Right Way
To prepare for approval, it’s important to rebuild your credit immediately after filing:
• Open 3 secured credit cards
• Maintain 3 active tradelines
• One tradeline will be your trustee payments
• The other two can be any accounts not included in the bankruptcy
• We can also use rent, utilities, insurance, or other monthly payments with a 12‑month history
💳 Credit Requirements
Your credit must be reasonably clean since filing:
• No late payments on housing or installment loans
• Minimum credit score: 580 for 3.5% down
• Scores as low as 500 may qualify with a larger down payment
🏠 Yes—These Loans Are Available Now
Barclay Butler Financial Inc. is actively offering these loans and helping buyers get approved even while in Chapter 13.
Why Choose Us?
Barclay Butler Financial specializes in helping renters become homeowners. We’ll guide you step-by-step to make the process simple and stress-free.
Call/Text: 224-420-9990
Email: bbutler@barclaybutlerfinancial.com
Website: www.barclaybutlerfinancial.com
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