It depends on a couple of things.
If you did a chapter 7 and did not include a mortgage, FHA & VA guidelines say you can be eligible 2 years after the discharge date.
If you included a mortgage, FHA states 3 years from when the bank takes back title to the home.
2 year minimum wait period plus you must re-establish good credit and have had no new derogatory information since the discharge of the bankruptcy
2 year minimum wait period but may be less than 2 years if acceptable cicumstance beyond borrower's control for the bankruptcy
2 year minimum wait period but may be 1 year if acceptable circumstance beyond the borrower's control for the bankruptcy
4 year minimum wait period
If you have questions feel free to call me at 302-703-0727
John R. Thomas
Primary Residential Mortgage