There are so many variables to consider. Depending on your credit history prior to the BK and depending on your most recent credit history, some small banks may work with you. There is a brand new FHA program that may allow you to get a mortgage loan less than the previous 3 year time frame. But there are conditions of this loan and you must qualify in those loan guidlelines as well. I know of two lenders who are providing these new FHA Loans. Becuase of the economy and job market, I have found there is a need for other "options" in buying a home.. we have a system to help you. I do work with a credit coach if you desire that service. Please feel free to call or email.