24months with re-established credit for chapter 7
If you have very good reasons...(usually medical) then the U/W may over look the months.
Although, whether or not you ever declared bankruptcy is not the only factor in getting a loan. Usually lenders look at your current history as well. Your past six to twelve months of cleared checks to your landlord, utility bills, etc.
Terrence Charest, e-Pro
Century 21 Associates
905 Easton Road
Willow Grove, PA 19090