Note: In all formulas, n is the number being tested for primality. In all formulas, n is the number being tested for primality. In all formulas, n is the number being tested for primality. In all formulas, n is the number being tested for primality. 1. Trial division test. Divide n by each prime from 2 to ceiling(n{\displaystyle {\sqrt {n}}}). 2. Fermat's Little Theorem. Warning: false positives are possible, even for all values of a. Choose an integer value for a such that 2 â¤ a â¤ n - 1. If an (mod n) = a (mod n), then n is likely prime. If this is not true, n is not prime.
Wait at least two years. Hereâs where you will need patience: You should wait at least 24 months to apply for a mortgage after bankruptcy. You may be able to get a mortgage after bankruptcy sooner, but the terms, like interest rates, won't be as attractive as they would be if you waited two years. Since you might be paying that mortgage interest for up to 30 years, you will save money if you wait long enough after the discharge to get a good interest rate. Tips for when you're ready to apply for a mortgage. After the two-year period, make sure you are fully prepared to apply for a loan. Your lender will want you to meet certain criteria before agreeing to lend you money: A good debt-to-income ratio, stability and time on the job.
How long it will take to qualify for a mortgage depends, in large part, on the mortgage lender. You may qualify for an FHA-insured mortgage in as little as one year after a Chapter 13 and two years after a Chapter 7.ow long it will take to qualify for a mortgage depends, in large part, on the mortgage lender. You may qualify for an FHA-insured mortgage in as little as one year after a Chapter 13 and two years after a Chapter 7.