Good morning src,
I'm sorry to report that you must wait a minimum of TWO years from the DISCHARGE date of the Bankruptcy before you can begin to qualify for mortgage financing.
The TWO year requirement is for FHA Insured Mortgage Financing. For Conventional (FannieMae or FreddieMac) loans you must wait 4 years out of the Bankruptcy.
Further, you must re-establish credit after the Bankruptcy and you must maintain an absolutley perfect credit profile. Late payments, collection accounts, charge-offs or judgments POST bankruptcy will NOT be acceptable and you will not qualify.
I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website http://www.consumer-action.org/.
The best way to buy a home is to have a decent credit history combined with sufficient Income and Assets for a home purchase.
The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.