Hi Dawn, there are several factors that go into purchasing a home after bankruptcy. The first is the length of time since the bankruptcy occurred. The typical "loan officer" answer is that it will be approximately 3 years before they will look at you for a loan. The next factor is whether or not you've been paying your bills on time SINCE the bankruptcy. The third factor will be your work history and the amount of loan you can "afford" based on several formulas. Fifth will be the down payment you are able to provide. My best advice if you are looking to purchase a home in the near future is to get a copy of your credit report and meet with a mortgage lender. We have a lender right in our office at Coldwell Banker West Shell and I'm sure other Realtors do as well. By looking a lender with a broker's office, you can get their information as well as a general outlook on the market to see what you might be able to afford. Good luck with your search.