If you filed for a medical bankruptcy, you can get a mortgage within 1 year from the discharge, but only by getting an FHA mortgage. A bankruptcy that was due to extenuating circumstances which must be documented, is still a big deal with a conventional mortgage which requires 4-year period after the date of discharge. Even with an FHA financing you may find it difficult to get a new mortgage in current lending environment. Still, if you reestablish credit history and have no new negative records within 12 months after the bankruptcy discharge, you will get a mortgage. It may take longer than before to find a lender, but it beats by far the 4 years that conventional lenders require. The key is to properly document medical expenses and circumstances that forced you to file. Also keep in mind that the term medical bankruptcy is not legally correct. Simply, it is a bankruptcy declared due to the medical bills and subsequent debt, that you can not repay.
no comment untill now