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The length of the waiting period will depend on the chapter filed previously. 1  If you filed for Chapter 7 bankruptcy. Youâll be eligible for another discharge eight years after the first Chapter 7 filing. 2  If you filed for Chapter 13 bankruptcy. Youâll have to wait four years before youâll be able to receive another Chapter 7 discharge.
If you want to qualify for a conventional mortgage loan after a Chapter 7 bankruptcy filing, you will probably have to wait at least four years. That is, if the loan conforms to the guidelines set by Freddie Mac and Fannie Mae.f you want to qualify for a conventional mortgage loan after a Chapter 7 bankruptcy filing, you will probably have to wait at least four years. That is, if the loan conforms to the guidelines set by Freddie Mac and Fannie Mae.