Can You Buy a House After Bankruptcy in Texas?
Many buyers assume bankruptcy permanently disqualifies them from owning a home. That simply isn’t true.
In Texas, buying a house after bankruptcy is possible—but it requires patience, preparation, and realistic expectations.
Here’s how buyers in Lubbock should think about the process.
Bankruptcy exists to give people a financial reset. Lenders understand that life happens—job loss, medical expenses, divorce, or unexpected hardship.
What matters most isn’t the bankruptcy itself—it’s what happened after.
Different loan programs have different waiting periods after bankruptcy. The key takeaway for buyers is this:
eligibility returns over time
rebuilding history matters more than the event
During this period, lenders look closely at how consistently you’ve managed finances since the bankruptcy was discharged.
Buyers often fixate on hitting a specific credit score, but lenders care just as much about:
on-time payments
low balances
stable income
responsible use of new credit
Consistency builds confidence.
Many post-bankruptcy buyers are more cautious—and that’s a good thing.
Focusing on:
manageable monthly payments
reasonable taxes
insurance costs
long-term comfort
often leads to stronger, more sustainable purchases.
In Lubbock, taxes vary widely by school district and city limits. Two similarly priced homes can have very different monthly payments.
Understanding this early helps avoid unnecessary stress.
Buying a house after bankruptcy in Texas is possible—but it works best when buyers move forward with clarity, preparation, and realistic expectations.
If you’re considering buying after bankruptcy, I help buyers in Lubbock understand how location, timing, and strategy affect affordability—so decisions are grounded and confident.
Home buying
In competitive markets, buyers feel pressure to waive inspections—but skipping them can create long-term surprises that aren’t always obvious at first glance.
Home buying
From first showing to closing day, here’s what the home-buying timeline in Lubbock actually looks like—and what can speed it up or slow it down.
Home buying
Can You Buy a House After Bankruptcy in Texas?
Home buying
Can You Buy a House After a Divorce in Texas?
Buyer Knowledge & Fear
The right questions can make or break your first home-buying experience. Here’s what first-time buyers in Lubbock should ask before choosing a Realtor.
Ins and Outs of homeownership
Buying your first home is overwhelming. Choosing the right Realtor shouldn’t be. Here’s what actually matters for first-time buyers in Lubbock—and what doesn’t.
Strategy for home selling
Speed depends on price, condition, and strategy. Here’s what days on market actually look like in Lubbock—and what sellers should understand before listing.
Ins and Outs of homeownership
If your payment changed and you didn’t refinance or move, you’re not alone. Here’s what usually causes increases—and what homeowners in Lubbock should know.
Ins and Outs of homeownership
Escrow accounts sound complicated—but they’re simply a budgeting tool. Here’s how escrow works in Texas and why it often causes surprises for homeowners.
Get assistance in determining current property value, crafting a competitive offer, writing and negotiating a contract, and much more. Contact me today.
TESS HERNANDEZ
6901 Quaker Ave Ste 100 Lubbock, TX 79413