I'd say you're can definately get approved for a mortgage with those scores and even a 2 year old BK. If you've got good housing payment records for the past 12-24 months, be sure to let a lender know about, perhaps through cancelled checks or a letter/statement from your landlord.
You might not rate "A" paper from a mortgage company right now, but I'll bet that within 12 months of getting a mortgage and making your payments on time, along with keeping your other credit clean and debt utilization down, you will be pleased to have a 700 or higher score this time next year.
You should go ahead and start that loan process asap before rates and terms get crazier than they already are. Good luck and let us know how things work out! Oh, and MOST importantly, be sure to shop around and get at least THREE offers in writing.
