The answer is “it depends”.  It depends on what type of mortgage you are seeking, which chapter of bankruptcy, and perhaps most importantly, it depends on what the underwriting requirements are at the time you are actually seeking a mortgage.  For instance, the attached sheet (mortgage qualification guidelines), which was a handout at an informative continuing legal education class I just attended, may be reliable today, but mortgage companies, and FHA/FNMA/FDMC could change their underwriting guidelines next year.  But it seems that the worst of the tightening of belts on credit has taken place, so I would not anticipate guidelines getting much more difficult than they have in the last couple of years.