best of luck, I dont work the Elgin area but find a good local agent you can trust.
if you like my answer, thumbs up and best answer me, thanks!
Contact me if you'd like a referral to a few local lenders.
Quality Mortgage Lending
If you are currently in BK, any new loans would need to be approved by the court as well as the lender. Generally you must wait 2 years or more post discharge plus have re-established credit.
I say generally because the only one who can approve or deny your application is a Lender who has reviewed your situation more completely than you can supply here.