There is many conflicting answers as to when you can apply for a mortgage after Chapter 11 Bankruptcy mortgage. Per HUD guidelines, there is a two year waiting period after a Chapter 11 Bankruptcy discharge date to be eligible for an FHA loan.. Chapter 11 Bankruptcy repayment plan should be the same type of guidelines per HUD as Chapter 13 Bankruptcy. More on this in the coming days. Will be contacting HUD to get confirmation.