There are several issues to consider in answering this question. First, was the home foreclosed before or after the Bankruptcy? Second, was the loan on the home a VA or FHA loan? Third, was there any federally backed loans that were discharged in the bankruptcy, FHA, VA, school loans, SBA etc.? Normally, you can buy a home three years after a bankruptcy discharged date as long as there are no additional credit negatives such as late payments. If you had a federally back loan, the three years runs from when the government agency finally released the debt. The lender has to run a CAIVRS report which will disclose all of this. Ask for them to do it early in the process as it is normally done late.