<prompt> Human: Good Morning. I completed my Chapter 7 bankruptcy, due to a divorce, in April of 2018. Is it a given that I need to wait 2 years to be able to get a mortgage?  <response>: Bankruptcy attorney here: x200B;In most cases, it will take 2-3 years before a bank is willing to talk to you about a mortgage. In the mean time, get a secured credit card and start rebuilding that credit. If you somehow manage to save up a 20 downpayment a year out from filing bankruptcy and have no other debt a bank might be willing to work with you. 