If you are in the market to finance a new home purchase, you could potentially secure a mortgage after two or three years from the date of your discharge, so long as you have taken the necessary steps to re-build your credit in the interim and remain debt-free. Some brokers even suggest that your ability to obtain home financing post-bankruptcy can depend on the chapter of bankruptcy that you filed. In the end, most lenders are going to be just as interested in your current debts and monthly budget as they are with your credit score. Often times, family or friends can offer to co-sign the loan to help improve your ability to obtain get approved. As always, no one can predict what mortgage lending guidelines will be, and this process is always subject to change.