Hello,No you do not have to use the referred Agent, the lender wants to be sure that the Agent you pick will represent you well and take care of you.It is not a good idea to use the listing agent since the listing agent represent the seller, you need an agent to represent you and look up for your best interest. You would like to work with an agent from the area where you are looking into purchasing a home. You want an agent that is familiar to the area.
Hello,If a Mortgage is not part of your bankruptcy, you can purchase a property after 2 years of the discharge, lenders want to see some credit built up after the discharge also. If there is a Mortgage in the BK then there are different waiting time periods.