Trenton, South Carolina. Trenton is a town in Edgefield County, South Carolina, United States. The population was 196 at the 2010 census, down from 226 in 2000. It is part of the Augusta, Georgia metropolitan area.
Wait at Least Two Years. Hereâs where you will need patience: You should wait at least 24 months after your bankruptcy is discharged to apply for a mortgage. You may be able to get a mortgage sooner but the terms, like interest rates, wonât be as attractive as they would be if you waited two years.
The earliest you can get a new mortgage guaranteed by Fannie Mae or Freddie Mac following a bankruptcy is two years. According to Freddie Macâs guidelines, the waiting period for reestablishment of credit after a Chapter 13 bankruptcy is 48 months from the dismissal date, but this period is only in effect if the bankruptcy was caused by financial mismanagement.