I recommend instead speaking with a Local Mortgage Banker. You'll find Mortgage Bankers provide a much higher level of service and expertise than a Loan Officer at a regular bank. Mortgage Bankers have traditionally been the "go-to" sources for mortgage financing.
We are a local bank and we handle all types of mortgages including owner occupied. With regards to your BK, here are the basic guidelines:
Chapter 7: With a credit qualifying score, you can apply for a mortgage 2 years from the discharge date.
Chapter 13: After making 12 months of on time payments, and a credit qualifying score you can apply for a mortgage with the permission of your trustee.
I'd love to answer any other questions that you may have. Please feel free to reach out to me.
Cecelia Marlow - Vice President
The Federal Savings Bank