I will be out of a chapter 13 in december I have a home never miss a payme

Yes, in fact, you can probably already get qualified if you are 2 years into your Ch 13, have a credit score above 640 and have reestablished your credit.  It is a good idea to go ahead and have a mortgage person look at your credit and run the numbers on your debt ratio, so that worst case, when December gets here, you will be good to go.  If you would like to call me to discuss, my ph # is 770-886-3140.