You will have to wait until it is discharged. The time for this varies on a case by case basis.

The last answer was wrong. You can own property through the bankruptcy (the home you live in is generally protected) You can not apply for credit nor a home loan until the bk is discharged (usually 6 months). After the discharge you can get a federal based home loan as long as your credit score is at an acceptable level,and it has been 2 years since your Bk was discharged.& years is the time a charge off or other bad credit is allowed to stay on your credit report. (Except a bk) which stays on for 10 years,but after a few months you will start to be able to get credit again. It does not create the stigma it once did. If your totally upside down,can’t catch up and you have no way to repay the debt,then a bk may be a good choice. Speak to a credit counselor and see where you land. I hope this helps.

a good 7 years