You should wait 2 years after the discharge date.
Every lender has their own lending criteria.
Credit score should be at least 640 or higher.
If you need anything else, please feel free to contact me.
Pablo Torres, MBA
AF Realty, LLC
USDA mortgage may have different criteria so if you're willing to live out in Timbuktu (Pasco County) they may have more lenient guidelines.
Contact a credit union if you've already been denied by Wells Fargo. Try GTE Financial first.
Any questions or assistance contact me at
Marco Torres, Miami Premier Realty
GTE gave one of my tenants a mortgage just a few months after closing on a short sale and going through bankruptcy.
Also there is the NACA program but that may take a year for you to attend the classes and jump through the hoops.
All the best,