Is the 36 months from the time the BK 13 is filed or from discharge

I believe it is 36 months from discharge!

Typically it will be from the discharge date. As a side note, many times lenders will focus strictly on the bankruptcy dates listed on your credit report. This information can sometimes be inaccurate so it is a good idea to double check this as well as all of the information located on your report on a regular basis.

36 M from the Discharge date with a good explanation why you had to file it and why you won't get to the same situation again.

For CH13 a FHA loan can be as little as 12 months from filing as long as you have made ontime payments, re-established good credit outside the BK and have permission from the court (if not discharged) along with (probably) an explanation for why the BK was filed. (As you see from the different explanations some lenders have more strict requirements than others...) For a conventional mortgage, normally it will be 3 years from discharge.

Discharge date is used.

Many lenders can do fha loans as little as 12 months from filling date. I have recently closed an fha loan for a customer still in bankruptcy. All that was required was trustee permission and a good payment history

Lenders count from the DISCHARGE DATE.

FHA allows only 12 months from discharge and 12 months payment plan, with court approval, and you can actually buy a house.