Need more details and best not to give them here. I see you're in Oregon so the best and easiest for you is to call a local real estate agent to see which lenders s/he recommends for helping someone out after a bankruptcy. S/he'll also be able to tell you which ones will handle Homepath properties and also if there are other programs you might qualify for.... more
I'd recommend having a reputable company, like The Credit Guys, to do your repair. The cost will out weigh the headaches of trying to do yourself! Some companies are a scam, some individuals who claim they can do it are scammers. So, check out any company online.
Then, contact me. I'll help you work with a great lender and we may be able to get you into a good lease purchase. That way you don't have to wait out the time frame of getting the score up to par.... more