Lenders are concerned about your willingness and ability to repay. They look at your credit score to determine your willingness, your debt-to-income to determine your ability. Lenders consider your discharged date as the end of your bankruptcy, so you have at least two years before you might qualify for an FHA loan. During the next couple of years you need to re-establish good credit. Keep in mind that no credit is not the same thing as good credit. FHA will want to see at least 3 lines of credit, paid on time, for at least a year AND a good credit score. FHA would consider rent and utility payments as credit references. If you don't already, make sure you make all payments by check so you can document these payments, no cash payments. Get a couple of small credit cards, pay them on time, use them once or twice a month, and keep small balances.