Antonio is correct in the fact that you can purchase using a hard money lender, which will allow up to around 65% loan to purchase price. But I think the answer to refinance may not be accurate. If you have not been making payments on your home now, even though included in the BK, it is still considered a foreclosure. You can not finance with for at least 3 years (FHA) or 7 years (conventional) from the date that the home is taken back by the bank. That would put you in a hard money loan for a long time!
Hope this helps but without actually asking you questions and having other answers, I can't give you a completely accurate answer.
Joshua Lerette - Sr. Loan Officer
Residential Finance Corp
If you are considering purchasing around the Disney/Kissimmee/Davenport area I would love to work with you.
La Rosa Realty