How soon can I buy a house or get a mortgage after going through a personal bankruptcy in the US?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How soon can I buy a house or get a mortgage after going through a personal bankruptcy in the US?
3 real searches · 1 real-search pass
2026 mortgage waiting periods after Chapter 7 and Chapter 13 bankruptcy FHA VA conventional Fannie Mae official guidelinesGoogle ↗
OBSERVEDReason
site:hud.gov FHA Single Family Housing Policy Handbook bankruptcy Chapter 7 two years Chapter 13 one yearGoogle ↗
OBSERVEDOther / navigational
site:guide.freddiemac.com bankruptcy waiting period Chapter 7 Chapter 13 mortgageGoogle ↗
OBSERVEDOther / navigational
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 mortgage waiting periods after Chapter 7 and Chapter 13 bankruptcy FHA VA conventional Fannie Mae official guidelines Google ↗
site:hud.gov FHA Single Family Housing Policy Handbook bankruptcy Chapter 7 two years Chapter 13 one year Google ↗
site:guide.freddiemac.com bankruptcy waiting period Chapter 7 Chapter 13 mortgage Google ↗
- FHA Single Family Housing Policy Handbook · hud.gov
- Significant Derogatory Credit Events — Waiting Periods and Re-establishing Credit · guide-selling.fanniemae.com
- Can You Buy a House After Bankruptcy? Waiting Periods and Requirements by Loan Type (2026) · opendoor.com
- Mortgage After Bankruptcy: Waiting Periods & Tips · nolo.com
- Getting a Mortgage After Bankruptcy: What to Know · experian.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 mortgage waiting periods after Chapter 7 and Chapter 13 bankruptcy FHA VA conventional Fannie Mae official guidelines OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
site:hud.gov FHA Single Family Housing Policy Handbook bankruptcy Chapter 7 two years Chapter 13 one year OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
site:guide.freddiemac.com bankruptcy waiting period Chapter 7 Chapter 13 mortgage OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |