Is the 2 year waiting period mandatory after a chapter 13 bankruptcy is discharged?
If you've included your house in your bankruptcy it's 3 years from the date of the discharge, if you didn't include your house in the bankruptcy it's 2 years from the date of the discharge. So unfortunately it's mandatory; getting your trustee to sign off on buying a house...

My mom has good credit but mine is poor. But we need both of our income. what can we do?
Having poor credit is not a deal killer, but there are definitely some easy things you can do to improve it. Find a lender who can help you with it; and remember the simple things: Pay your bills/rent on time, pay off outstanding debts and collections, Don't sign up for more credit cards and...