Hi, Maywepopin. The first answer is pretty much spot on. If you filed and completed a Chapter 13, you''re now good to go. If it was a Chapter 7, then its a 2 year wait from the date the bankruptcy was officially discharged. Depending on if you included everything in it save your mortgage, you will also need to reestablish at least 2 more lines of credit as soon as possible to generate the credit score and history you will need once the waiting period is over.
Your lender will also want to know the reason(s) behind the BK, especially if it was chapter 7. Loss of job, loss or significant reduction in 2nd income from a spouse due to a medical disbaility, lay off, death or divorce, are the most readily acceptable.