If you want any hope to get a new house, then you are going to need your bankruptcy to be fully discharged. Without this, no mortgage lender will want anything to do with you. To get the best rates, you will want to build up your credit score following the discharge. This can be accomplished by paying off all your credit cards, staying at the same job for a decent amount of time and paying all your bills in a timely manner. You should wait two years before applying for a loan, and even then, you will need to satisfy certain pieces of criteria.