Sad to hear that you had a bankruptcy and FICO of 650.
You are better of working with several fine Credit Improvement companies
out there earnestly.
The only one likely to lend is a Hard Money lender, or Private Money.
But to get money from Banks at Fair Market values are done, for 2-3 years.
All the best,
It depends on what chapter bankruptcy you filed and when it was discharged.
For a chapter 7 BK, FHA and VA require that it's been discharged for at least 2 years and the no money down USDA mortgage requires 3 years.
You also have to have re-established credit.
Did you include a mortgage in your bk?
Owner financing maybe while you rebuild your credit banking wise. If you have no down payment though, forget it.
Contact me if you end up in Fort Myers area.
Southern Premier Realty