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Hard to say. With perfect post bk credit, you can qualify for FHA loans at conventional rate 2 years after your discharge. But, I believe the current limit of an FHA loan is $131k. That number will rise over time. To be sure of getting conventional financing, you need to have a downpayment in the 20% range. I'd suggest saving evry bit of money you can and a year or so before you are ready to build, start trying to arrrange the financing. At least, get ideas from lenders about their requirements for conventional financing.
Post bk financing is like many things in life. If you can put enough of your money in the deal and have good income, the lender is apt to feel more comfortable and will price the mortgage accordingly. Good Luck!
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