BK Ch 7 or 11 - FHA is 2 yrs or 1 w/ extenuating circumstance. Conventional is 4 years or 2 w/ extenuating circumstance. VA generally follows the same as FHA.
BK Ch 13 - 1 year w/ 12 month satisfactory payments to trustee. Must have court permission to incur new debt. If not fully discharged 2 years. Must be manually UW. Conventional is 2 years from discharge date, 4 years from dismissal date.
Extenuating Circumstances are generally medical event, not typically divorce.