Your credit score and your loan to value will determine if you will go conventional or FHA. Most often after a bankruptcy FHA is the chosen lender. You will not be penalized rate wise for the bankruptcy but if the credit scores are under a 640 there may be a slight add on to the rate. We need to have all of the facts to be able to give you the most accurate advise. If you would like additional information or a no obligation appointment, please feel free to contact me.
Sr. Mortgage Originator
GMI Home Loans, LLC 732-539-9300