I would speak to a Realtor first...here's why. A Realtor is going to have lenders that they work with frequently and trust. Myself, the lender I recommend is one that I use personally and I trust. He is great, never has made myself or my clients feel that any question was silly or unimportant. Also, you can speak to him over the phone, which is very convenient and quick when just getting started. If you find that due to credit scores and/or a bankruptcy you are not ready to buy right now, the lender will be able to assist you in quick ways to improve your scores and give you a timeframe as to when you would be ready.
I definitely recommend you speak with a lender and find out where you stand and what your options are. Let me know if you're interested and I'll email you my preferred lenders name.
Best of luck,
Randall & Kubisiak Realty Group
Keller Williams Elite
804 Omni Way Suite 200
Newport News, VA 23606