You can actually have a life after bankruptcy and a normal mortgage within 2 years after filing bankruptcy or three years after a foreclosure by simply paying your debts on time after you filing.  HUD, FHA, Kentucky Housing Corporation and other Federal housing agencies have non discrimination guidelines that allow you to have a life and a mortgage after bankruptcy at prime interest rates.   They will ignore your pre bankruptcy credit record and only use your post bankruptcy payment history to decide on your loan.  

You can also qualify for a mortgage one year after filing a Chapter 13 and have a life after bankruptcy in a Chapter 13 under the same rules.  Of course you will still have to qualify based on other factors.  Mortgages are only granted if you make enough income and haven't gone deeply into debt for other items.  

To get a life after filing bankruptcy: 

1. Remove negative information using our letters in our download section after filing bankruptcy and increase your FICO score or use Lexington Law to do it for you.
2. Wait a sufficient amount of time before applying normally a year for a car and 2 years for a home mortgage, 3 years after a foreclosure.
3. Pay bills on time religiously after filing.   
4. But remember 90% of credit reports have incorrect information.   Over 45% are serious enough to deny you credit so you may want to correct your file after filing.