Was there a property included in the bankruptcy? That is a big determining factor. Please feel free to call me if you would like to discuss your particular situation. I have been in the mortgage industry for 21 years and if we can't get you qualified now, I can at least get you on the right track. After bankruptcy, there are some mistakes that you can make that can be very unforgiving when it comes to getting another home loan. I would be happy to walk you through those to keep you clean so you can buy again.
I have a local lender that can do mortgages with that low of a credit score, but you would need to discuss your options with him - Carrington Mortgage, Ed Buck - 239-470-9809. He works out of Port Charlotte, FL right down the road from North Port.
I would be happy to work with you and answer any other questions you may have. You can go to my web page and see a list of local lenders under Get Advice - http://www.tammyhayes.remaxagent.com/