If you need any help understainding the ins and outs of seller financing there are a number of experts that teach how to do this. You can also send me an e mail and I can help you understand it.
As stated below, there are timeframes for being approved after a BK. You cannot have derogatory credit after the BK.
For special programs, you can check with the City of Cols. and http://www.ohiohome.org
Good luck with your search,
The best document that I know that outlines the underwriting requirements is FNMA underwriting guidelineshttps://www.efanniemae.com/sf/guides/ssg/annltrs/pdf/2008/0816.pdf
First Weber Group
Certified Distress Property Expert