So I guess no one knows anything???
You will have to let your bk age. I'm in the process right now and Quicken told me for fha my bk had to be 3 years. (Mine is currently 4 years)
I take it your CH13 BK is done? Also, do you know your middle score? Most want middle score to be 640 or better.
You only have to have 3.5% for an FHA loan, so you should be fine.($3710) Also, FHA requires a mininum of 2 years after discharge ussually(not counting any bank overlays), this can be circumvented if you can prove extenuating circumstances in some cases, either way no one will touch it until the BK is discharged,
What is your credit score like? most bank overlays will want you around 620-640 for your middle fico score..
Ive read that you have to wait 2 years aft discharge. You can buy a house while in ch 13 but the trustee has to approve and you cant increase your monthly housing payment.
+1 I agree 2years