You would have to wait for 3 years after the bankruptcy is discharged before you would be able to purchase a house as a first time home buyer with an FHA program.

The best bet for you to get solid details to your specific area would be to talk with your lender and discuss the best way to use these upcoming years to rebuild your credit and get you the highest score possible for when the time comes that it is going to be needed. Your lender could also discuss with you how much money to start to set aside to be sure you have an adequate down payment if you need one.

Typically, it is two years from that date. Talk to your loan officer for better details.

Cory