Here’s a quick list of seven ways to mortgage a home after you’ve been discharged from bankruptcy.
1. private mortgages- find a private individual with money to lend that likes you. You’ll pay higher interest, but you’ll be a homeowner.
2. sub prime lenders- you’ll pay even more interest than with a private mortgage,
3. land contracts– buy a home directly from the owner and they may be willing to sell to you on land contract, which means basically that they act as the bank. It’s similar to #1, except the lender is the homeowner you’re buying from.
4. first time homebuyer programs- many of these will accept you out of bankruptcy
5. 20% plus down payment- you can always make up for poor credit by taking on more risk. The more money you can put down on the property, the easier it will be for you to find a loan.
6. get a co-signer with good credit- yep, it’s time to again consider going back to mom and dad to ask for help. It makes them feel needed 
7. Don’t. Yes, that’s right… one way to mortgage a home after bankruptcy is don’t do it. Wait 24 months and it will be a much easier time for you.
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