Bankruptcy severly damages your credit rating and it can take many years to build it back up to the point where you are considered "credit worthy". A discharged bankrupt getting a large loan, like a mortgage, after three years is virtually unheard of and I would be surprised if you managed to get one in such a short space of time from you being discharged. If you do get a mortgage in three years the interest rates you will be offered are going to be huge and your mortgage is going to be very, very expensive.

I am unaware of any finanical institution that can really help out. The only thing I can think of is getting a family member or a close friend to get the mortgage and then give it to you on the same terms. You obviously make the repayments until the mortgage has been fully paid off. The mortgage will be in the name of your family member or close friend willing to do this and if you default the mortgage company will go after the person.

I am not aware of any federal laws that would prohibit you from getting a mortgage because of the circumstances you describe, but it also doesn't sound like your mortgage broker is talking about a legal impediment. He's simply saying that no mortgage company is going to underwrite a loan for you with your credit history. No law requires that a mortgage company approve you for a loan, as long as they are applying the same standards to all applicants.