What are the initial documents I need to send to a lender or loan originator to start the process of an application?

What’s the difference between chapter 7 Discharge and Dismissed when it comes to the waiting period to qualify for a mortgage?

Hi, I know that 740 FICO is the minimum requirement for Up to $120K credit card based on the lending network website.
Should I increase my credit first or is there a different program for me?

Thank you