Depending on the reasons for the bankruptcy will determine if you can get a mortgage yet or if you have to wait 24 or more months before you can apply. If you haven't spoken with a lender yet I would advise you to do so. They can tell you when you'll be able to apply for a mortgage. If you need the recommendation of a lender I would be happy to give you a couple of names and numbers.
Karen Paytas, GRI, CMS
Real Living Kee Realty
Yes I work with a great loan officer who is an FHA cert. Trainer and can answer all your questions. Please contact me for his information and together we can help get you into the home you want and qualify for.