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There's that magic number again -- two years. This is usually the employment requirement for a conforming mortgage loan. You must have continuous employment for at least two years. Granted, there are exceptions to every rule. And we will talk about those exceptions in just a moment.
1. Youâll Have to go Through a Waiting Period. Before you can even apply for a mortgage after bankruptcy, you have to be sure the waiting period has passed. How long this takes depends on what type of mortgage youâre trying to get. With a conventional Fannie Mae loan, for example, the waiting period is set at two years if youâve dealt with extenuating circumstances and the clock starts ticking once you receive a bankruptcy discharge.