It will depend on how well you have strengthened your credit. Even though you had a bankruptcy, you need to then begin building credit again. As you do that, lenders will look at you at a better risk. They also look at why you had to do a chapter 13. Some look at medical as an emergency that you had no way of protecting yourself from. Otherwise, if it was just bills you couldnt pay - they may look at you as a high risk still. You will need to work on your credit scores, save money, then you can buy a home again!