There are some standard guidelines, but there are also exceptions based on specific circumstances. Rather than air all your other details here, I'd suggest you contact a great local lender and provide them will a fuller picture of your circumstances and get a very specific answer.
One thing I would suggest, get some credit re-established. If you do have to wait, time alone won't re-qualify you. Lenders want you to have 2 or more credit lines in process with a perfect payment history since your BK. Best of luck!... more
I have come across many different situations over the last 30 years of helping people with their rteal estate needs-Your situation is one that would be best being answered by an good attorney and possible an tax accountant-. I have some numbers of some very good people/ attorneys as well as accountants-please contact me if I can be of further help. Al walsh remax 708-710-4275... more