A) There is no such thing as a "FHA LENDER" as most good lenders are able to do FHA, VA, Conventional, etc.
B) There are very specific guidelines related to BK, and you DONT need a "portfolio" lender to do these.
C) Your bankruptcy waiting period is going to depend on the type of bankruptcy that you filed.
Was it a Chapter 7 or 13? Chapter 7 washes everything clean, and Chapter 13 puts you on a payment plan and you are not "discharged" until you finish with your payment plan.
With conventional lending, you need 4 years from a Chapter 7 discharge date, and 2 years from a Chapter 13 discharge date (after payments are complete).
However, with your FICO score, you probably wouldn't want to go with conventional in any case. So, both FHA and VA loans are as follows:
2 years from the discharge of a Chapter 7 BK, and 1 year from the discharge of a Chapter 13.
If you have any further questions at all, I am here to help in any way that I can (regardless of whether we ultimately make a commission)