My suggestion is to go to ficoforums.myfico.com, set up an account and head over to the Mortgage Loans forum. There are several loan officers who reply to member questions that have been through bankruptcy and need to understand how to qualify for a home mortgage as well as bad credit situations looking to refinance or a cash out refi type of loan. Several members have been in your exact situation. It's a very friendly community. I am sure they will be able to help you.