Exactly how long after filing for a CH13 bankruptcy can I qualify for a Convential mortgage loan. I filed July 2012 but decided I didn’t want to go through with the CH13 before a meeting with the creditors was ever initiated. Unfortunately, I am still penalized for the action. So the CH13 was dismissed the same month that I filed. Again, i was penalized for that action. Do I have to wait until July 2015 before I qualify for a Convential Loan? that is the exact 3year mark. I was told from several lenders that if the bankruptcy was discharged the wait period was 2years, but because it was dismissed, I had to wait 3years.