You can refinance your home after having a bankruptcy as long as it has been discharged for more than 2 years. As explained in the previous answer, most lenders will require that it is not only your primary residence but also that if your debt ratio is high you have a significant amount of reserves when refinancing your home to ensure that you do not deafult on the loan. With that being the case, your IRA could be used as a source of reserves as well as any savings account or anything that can be liquidated, even a life insurance policy. My wife is a loan officer with Apex lending in FL and may be able to answer any additional questions that you may have. Her website is http://www.jshambley.apexlending.com and her name is Jacinta. She can be reached at 877-662-7066.
Luxury Home Specialist
Office: 305-931-8920 ext 245
"Given the degree of exposure I can provide, if I can't sell your home...no one can!"