It takes a minimum of 3 years for most traditional lending programs to approve you for a mortgage after bankruptcy. And then you would need a minimum of 3-1/2% down for an FHA program. I think you should start looking for a rental home.
Kathy Persha, Associate Broker
Keller WIlliams Realty
Your best bet is to talk to a good loan officer and I can recommend a couple really good lenders if you are interested. Please feel free to contact me for their contact info and any other questions I can help you with. I can help you find a rental if you would like to move but getting a loan will be a 3 year waiting period.
It is a minimum of a 3 year waiting period after a bankruptcy discharge before you'll be able to get a FHA mortgage. As Kathy said I would recommend you start looking for a new rental or plan on staying where you're at.
Karen Paytas, GRI, CMS
Real Living Kee Realty