As far as the bankruptcy, it depends on what chapter you filed and the exact date it was discharged or dismissed. Depending on the loan program, you may be subject to a minimum of a 2 year wait (which you're close to) for an FHA loan before you're eligible for a mortgage and it can come along with other restrictions. Again, the waiting period can vary dependinig on what chapter was filed.
Bankruptcy aside, your need of a co-borrower is determined by how much you qualify on your own and maybe the need of additional income so that you can qualify for a higher amount. This can be for a co-borrower who will occupy the property with you or what's called a non-occupying co-borrower, who may only be a relative.
You should consider meeting face-to-face with a Loan Officer and allow him/her to pre-approve you. When we are able to review your credit and all other necessary documentation, we learn exactly where you stand and these questions are then much more clear. We'll know exactly when you will be eligible for a mortgage, if you will or will not need anyone to co-sign you, etc,
Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797