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I would think you would need a DU approval before you can move forward.
DU = Desktop Underwriter
Its the tool the loan officers use to get your pre-approval.
They plug in all of your info hit the button and you get your approval.
MovingForward_2012, my plan is to go apply around that 3 month mark. My main concern is seeing something we like and missing out on it because of a few months.
I never found an FHA lender who would take an application before two years from BK7 discharge, even the one who goes to seminars on recovering from BK...
I understand it's from filing for BK13 but haven't been there so can't say for sure.