I am going to say that I see files like your a lot and assuming all factors are relatively normal, you should do very well to get approved for a loan. You meet pretty mich every criteria to qualify and your BK discharge is old enough. The main thing that an underwriter will look for is late payments AFTER the bankruptcy. That is usually a red flag and something you should be fully ready to explain via a detailed letter.
So that being said, expect an approval for a mortgage payment around 30-35% of your gross monthly income and total debts around 40-45%, possibly 50%.
If you have any questions about the qualifying process, please let me know. I'd be more than happy to assist you obtain your financing.
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