Can you get financed for a FHA loan after two bankruptcies ch 7 in 2001 and ch. 13 in 2006?

Can you get financed for a FHA loan after two bankruptcies ch 7 in 2001 and ch. 13 in 2006?
Like so many mortgage questions, the answer is "it depends". The basic guideline answer is that FHA financing is allowable after a minimum of 2 from the time a Chapter 7 bankruptcy is discharged and for Chapter 13, at least one year of the payment plan arranged under the filing have been made and all payments have been made on time and the Trustee says it okay in writing, then FHA financing may work.
Thereal question that an Underwriter is going to ask is "What led to the bankruptcies?" Typically, they are looking for one time events (severe illness, major job loss etc) that can be considered one time occurrences and that bankruptcy filing is not a pattern. That may be the tough part but the only way to find out is to ask. Best advise if you decide to move forward is find a mortgage lender who has FHA underwriters on staff and not a broker who has to pass the file on to another company to make a loan decision. Brokers are great but your circumstance probably requires a direct lender with a good deal of FHA experience. Ask around (real estate agents, etc) and you'll find a direct lender I'm sure. Best of luck!