起码两年以上，还要看是什么样的破产，网上有讨论这个，在帖里。

• Chapter 7 bankruptcy. FHA will consider you for a mortgage two years after your Chapter 7 discharge. You will have to show a positive credit history during those two years, with no significant credit blemishes. But having no real credit history will not necessarily knock you out of the running. If you can show the FHA that the conditions leading to your bankruptcy were out of your control, like a spouse's death, natural catastrophe, or severe medical issues, FHA will reduce the waiting period to 12 months. You will have to provide documentation demonstrating that you’ll be able to make the payments on the new mortgage.
• Chapter 13 bankruptcy. FHA will guarantee a mortgage loan as soon as 12 months after you file your Chapter 13 case if you’ve made your Chapter 13 payments on time, and you can show that you can afford the mortgage payments. If you plan to purchase a home while you’re in a Chapter 13 case, you will also have to get permission from the bankruptcy court to take on new debt.