I agree with the others, your best advice is to talk now with a good lender so that you can make some preparations for the next few months. It will be important for you to get good advice.
There are several factors that will affect what you can do, your employment, what you can qualify for financially and the loan program you can qualify for ... different loan programs have different requirements for length of time after an bankruptcy. I'll include a list of several loan professionals that you can contact and they will be happy to walk you through the process.
If you'd like, you are welcome to use the MLS search feature of our website at http://www.carsonvalleyland.com. Just click the tab on the left that says "All Northern Nevada" or "Listings by Email"
Here are the lenders ...
Wells Fargo Home Mortgage
Office: (775) 883-3905
Sierra Pacific Mortgage
Mary Lynn Atkins
Greater Nevada Mortgage Services
High Sierra Mortgage
Please consider us a resource for all your questions and concerns.
RE/MAX Realty Affiiates
Generally speaking I believe you will need to be employed full time for several months to qualify for a loan once you establish yourself in Nevada.
Currently there are several loan programs for borrowers with a limited down payment, which is great for individuals like yourself!
All of your questions need to be addressed by a loan officer. The loan officer can give you an outline of what you need to do between now and when you are ready to purchase so that you will be fully prepared.
I will be happy to provide you with the names and contact information of a couple of reputable loan officers here in our area if you would like.
Please see my contact information below. I look forward to hearing from you again soon.
Dee Dee Moreau