You donâ€™t need to work around the system, the guidelines actually protect you more than they do the lender. FHA will allow a mortgage to be approved two years after a BK as long as credit has been re-established. In my shop you would need at least one open account paid as agreed for the last 12 months, no late payments or derog credit for 12 months.
Have your Realtor introduce you to the loan officer they trust the most. Gather all of the support documents that will be needed to apply for a loan and meet with the LO face-to-face, have them walk you through the process and options available, good luck, home this helps,