Ok I filed chapter 7 in 2007 and it Was discharged in October 2012. I got my credit back to almost an A credit. I have been talking to a mortgage broker and was told I had to wait till October when it has been discharged for 2yrs. Now my ex wife went to the same company and spoke to a different person and they said that was not true and they could get her financed now or even months ago. Ok now is there a law where it has to be discharged for 2 years?