The FHA guidelines basically state regarding a prior bankruptcy: "2 years removed if the loan receives an 'APPROVED' response or 3 years otherwise."
You see, obtaining an approval will actually have more to do with the rest of your credit and you hopefully having a decent overall credit profile.
If you are 2 years removed from the satisfaction date of the bankruptcy, then you might want to just go ahead and apply and see what happens. You have nothing to lose.
If you would like to take 30 minutes and call me to run the application, I would be glad to assist you. At least you'll know and get to stop worrying about it.
Let me know if I can help.
Bank of America Home Loans