It sounds like you need a rehab loan, not a construction loan. A construction loan would be used to build a brand new home, not add an addition to the existing home. A rehab loan can add an addition (extra rooms, an additional unit, etc.). It is possible to obtain one with a recent bankruptcy, for example the FHA 203(k) rehab loan just requires 2 years from a Ch 7 BK discharge and you can even still currently be in a Ch 13 BK. I'd be happy to discuss your options with you if you'd like.
Shane Milne | Lending in all 50 states | NMLS #81195
firstname.lastname@example.org | 949-322-3616 direct