Hello :Brandy,
I realize times have gotten tougher in the Mortgage business. Use to be that with a bankrutcy due to medical you could still be considered for a loan. I would talk to a local lender and have them give you the honest answer. If you need some names please let me know and I'd be happy to help.
As far as HUD homes, you can search for them yourself but you do need a realtor to make an offer. You will need a pre approval letter from your lender and earnest money before you make an offer. Most homes are as is, some have money allowed for carpet and such. You just need to talk to a lender first.
Hope this helps. Give me a call anytime. 404-312-3357
Best regards,
Brenda Noll - Thu Oct 15 2009, 15:04