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Step 1
Previously it has been known that people who file a bankruptcy can not buy a home for seven years. Anymore it takes 2-3. This is due to the high frequency of claims that are filed. If you have gained employment and kept current on bills for at least two years after the bankruptcy you can probably start talking with banks on a home loan. If banks are unable to assist you try working with a mortgage broker. Brokers charge more money but are usually able to get you in a home.
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Step 2
See if you can get a co-signer for you loan. Another way to secure a home loan is to have someone with better credit co-sign on your loan. Friends and family can be used. It is important to find someone with a good credit score to ensure you a lower rate.
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Step 3
It you have any valuable items you can use for collateral (cars, RV's, land) they can also be used to secure a home loan. By using it as collateral you are ensuring the bank a source of equity should you foreclose on the mortgage.
