Hi...I was discharged from a Chapter 13. I'm not sure how it works for a 7, but the way around getting a mortgage right out of BK is taking out an FHA loan. Yes you pay an extra amount monthly but the amount goes down each year. Also FHA allows people to take out higher loans (if needed) than traditional and actually have better rates. The best suggestion I can make is to talk to a mortgage broker. I hope you can make things work out.