The most frequently asked question after a person has filed bankruptcy is if they could still qualify to purchase a home or refinance. The myth states that you may have to wait a period of a couple years in order to do so. However, the truth is day after the discharge date, anyone can qualify for a sub-prime home loan or refinance. Getting an "A" paper, conventional loan requires 4 years after the discharge date of a BK (Chap. 7).
Rates are not as bad as one may portray them to be as well. "A" paper loans compared to sub-prime loans are about 1-2% difference in 30 year fixed rates.