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The guidance gives loan officers a clean way to coach agent partners on bankruptcy buyers before a deal is at risk.
HousingWire published an article on August 4, 2026, advising real estate agents on buying a home after bankruptcy, specifically after Chapter 7 bankruptcy or Chapter 13 bankruptcy. The core guidance is practical: agents should get the buyer connected with a mortgage lender early, confirm the applicable timeline, and help the buyer avoid new debt before closing.
For loan officers, this is more than consumer education. Bankruptcy buyers can become strong, prepared borrowers, but only if the financing conversation happens before expectations are set, homes are shown, and offers are written.