BJ is right in that many things go into the decision as to whether you qualify for a mortgage right now. One thing you may want to consider is finding a property that the owners are willing to "lease with an option to buy". This would mean that part of your monthly rent payment would go towards the purchase price of the home and after a time period (usually 1 to 3 years) you and your husband would get a regular mortgage to finish buying the home. But it would be a way to start paying towards a new home right now and give you both time to improve your credit and job history a bit more before you try to qualify for a mortgage.
I don't know where you're located, but if you're looking for real estate in Lexington KY or in one of the surrounding communities, I'd be happy to help. You can contact me by visiting my website below.
Have a great day.
Keller Williams Bluegrass
I think the best thing to do at this point, and since it's only been a little over 1 year, is to call a lender or mortgage broker and give them all the details of your bankruptcy, what credit you have now, have you been steady with payments on remaining credit, how long have you been on your jobs, etc. Usually lenders want to see at least 2 years at the same job and/or at least a job that is in the same profession as you were at your last job. There's soooo much to review in order to obtain a viable answer to your question. Charlotte, I'm not sure where you're from in KY? I can certainly give you names of the brokers that I use with all my clients here in Northern Kentucky and will be happy to help you get the answers you need if you're fairly close by. Just let me know. Good Luck!