It depends on a couple of things like which chapter of bankruptcy you filed, whether or not you included a mortgage in the BK and why you filed BK.
Here's what your looking at:
If you filed chapter 7, the standard FHA waiting period is 2 yrs from the discharge UNLESS you included a mortgage, then it's going to be 3 yrs from when the bank takes back title to the home.
The wait time can be cut back to one year even if you included a mortgage if you qualify under the FHA Back To Work Program which makes an exception if your BK was the result of either a job loss or reduction of income by 20% or more for at least 6 months.
Check out my recommendations here on Trulia from some of my past clients by clicking the following link.
Please feel free to contact me for more information or help. You can also find info on my FHA Mortgage website by clicking the link below.
Senior Mortgage Banker
Peoples Bank & Trust