refinance, bankruptcy

my mother wants to refinance her home and add me to the deed so that i can eventually live in the house. she is now living in a retirement/assisted living facility and has rented her home. she has a good credit history. how can we qualify if i have a farely recent chapter 7? this was discharged about 14 months ago. my credit history prior to the bankruptcy was good and never fell below a 690 rating. my current rating is around 670. i filed due to several reasons but the final straw was that, at the time, there was a very good chance i would lose my job. however, this did not happen and i am still employed.