It will depend on how much you have rebuilt your credit since you filing chapter 13. If you have a decent credit score and the bankruptcy was over 4 years ago, a lender may look at you as being a possible customer. It will depend on the lender as well.
If your husband has decent credit and makes enough money to qualify for a small home, then that may be a better possibility for you both. He might be able to obtain a loan without your income and credit and also get the first time home buyer credit. With an FHA loan you would only need 3.5% for a down payment too.
Feel free to call me and I will be happy to get one of my lenders to contact you to discuss your different options. If it will all work out, I would be happy to work with you and help you find a great home. Hope to hear from you.
Len McGuirk, Realtor
Prudential Americana Group
Direct: (702) 203-6688