Depends a little on what loan program...
FHA/VA only requires one year of on-time payments to the trustee (and approval by the trustee). Which means little more than 1 year after filing, and 4 years before discharge. After the CH13 is discharged, there is no wait required by law. But many underwriters will have their own waiting period, so there is no guarantee.
USDA basically follows FHA guidelines, depending on who you ask.
Conventional loans are the most restrictive. They require a two year wait after discharge. Altho I personally wonder if a borrower would be held to that if their credit reports are cleared of the BK before the two years are done.
