Before you rush out and try to purchase a home you might want to get back to the basics of budgeting. I know many people think that Budget is a the dirty B word. I personally think the dirty B work is Broke. Finances are such a sensitive wedge between married couples and the fact that both of you have bankruptcies proves that you have some room for improvement with regard to your finances.
First, you might want to consider rebuilding a new trade line for yourself, since your bk was discharged. If you do not have new credit lines established yet this would be a good step. Second, you might consider credit repair in order to see if your credit profile can be cleaned up through the credit repair process.
Should you need assistance with improving your credit profile, I will be happy to assist you with this. As far as getting into home ownership here are some ideas.
1. Seller Financing (where the seller is willing to carry financing for you)
2. Rent to own
4. Private Mortgage. Where you have a friend with money in a CD earning 1% and you go to them and offer to pay them more like 5% to give you a first mortgage on a home.
I certainly hope this answers your question and provides some value to you. Of course you can get through life with a poor credit rating, it just makes life harder. Good luck!
Hannah Fliegel, FICO Pro