We were discharged from Chapter 7 bankruptcy, 12 months ago. And has been repairing our credit reports has been to build up our credit score, and saving a down payment, pay my husband's 96,000, a year, when can we buy a home and we can get an FHA loan with a low interest rate andput only a 5% to 10% down payment.

You will be able to qualify for an FHA loan 3 years from your BK discharge date and your score must be above 580th If you rent at the moment, so make sure you pay by check & also ensure that there is no late payments on your credit report when you BK. You will also try to re-establish your credit by getting a credit card or two, a car or other loans, so it is reported on your credit report.