Regardless of which way you filed, there will be a waiting period to take out a loan for a house. Generally, it will take about 2 to 4 years for borrowers to be able to purchase a home. Those who filed through Chapter 7 usually have to wait longer than Chapter 13 filers. Lenders have different “seasoning” requirements, however, meaning different lenders will require different amounts of time to pass before they will even consider lending to you. Chapter 13 filers are viewed slightly more favorably due to the fact they are actively paying back their debts.