The time period it will take before you can get a mortgage loan will depend on which type of bankruptcy you filed.  Chapter 13 bankruptcies may allow you to purchase a home once you have successfully made twelve payments on time inside your bankruptcy.  Your trustee will need to approve this and you will also need to meet all of the other loan guidelines.   You will need to be able to provide a satisfactory reason for why your bankruptcy occurred.

It will take longer for you to get a mortgage if you filed for Chapter 7.  The good news is that a Chapter 7 will erase debt, so you are better in position to own a home.  The current underwriting guidelines stipulate that you must wait at least two years from when your bankruptcy was discharged.  The date of discharge is the date that you bankruptcy case was closed and you were released of any obligation to your creditors.  It is usually several months after the date that you filed.  Other requirements will include having at least three accounts that have been reestablished and having a good stable income.

You will need to make an effort to clean up your credit if you know that a mortgage loan application is in your future.    Chances are more than one creditor of yours has failed to report you account as having been discharged.  The accounts are probably reporting as currently delinquent.  Disputing these accounts with the three credit bureaus is important.

Showing that you can make payments on time will also be important.    You can start reestablishing your credit with a secured credit card.  Once you have established yourself here, you can seek other types of credit. Home loans with bad credit do exist! Achieving your goals is possible!