FHA provides mortgage options for people with lower credit scores or limited down payments. However, you must meet certain requirements to qualify for an FHA mortgage while in Chapter 13 bankruptcy. These include:

1. Making all required bankruptcy payments on time for at least one year.
2. Receiving permission from the bankruptcy court to enter into a mortgage agreement.
3. Having a good payment history on all other debts, including rent and utility bills, for at least one year.
4. Having a verifiable source of income that will allow you to make your mortgage payments.
5. Having a debt-to-income ratio (DTI) that is within the acceptable range for an FHA mortgage. For an FHA mortgage, your DTI should not exceed 43%.
6. Having a down payment of at least 3.5% of the purchase price of the home.
7. Having a credit score of at least 580, although a higher credit score may be required if you have a lower down payment.

You’ll also need to meet standard FHA mortgage requirements, including property standards, clear title to the property, and a maximum loan-to-value ratio of 96.5%. It’s important to note that your bankruptcy trustee and court must approve the mortgage, and you’ll need to provide them with all necessary documentation. It’s a good idea to work with a lender experienced in working with borrowers in bankruptcy to help you through the process and ensure you meet all requirements.